Total CFPB complaints
149
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 149 complaints
YSA ARM LLC DBA Oxygen XL — Debt Collector Complaint Profile
CFPB complaint profile across 22 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about YSA ARM LLC DBA Oxygen XL
- Attempts to collect debt not owed
Attempts to collect debt not owed
77 complaints
- False statements or representation 22
False statements or representation
22 complaints
- Written notification about debt 17
Written notification about debt
17 complaints
- Took or threatened to take negative or legal action 14
Took or threatened to take negative or legal action
14 complaints
- Cont'd attempts collect debt not owed 4
Cont'd attempts collect debt not owed
4 complaints
- Communication tactics 4
Communication tactics
4 complaints
F
Grade F · 49.5/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about YSA ARM LLC DBA Oxygen XL?
YSA ARM LLC DBA Oxygen XL has accumulated 149 total CFPB complaints across 22 states, with 57 filed in the most recent 12 months against 92 historical complaints before that window. The trailing-12-month volume represents 38.3% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 83% timely-response rate against a 38% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 22 states, led by Florida with 39 and New York with 25, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 49.5/100 places YSA ARM LLC DBA Oxygen XL in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
57
38.3% of total history
Rising ↑
States active
22
Distinct state filings
Timely response rate
83%
Within CFPB SLA window
Consumer disputes
38%
After company response
Reputation grade
F
49.5/100 composite
Response-quality profile
How YSA ARM LLC DBA Oxygen XL performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 83.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 75.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 39.3%
Share of US states + territories with at least one filed complaint against this collector.
How does YSA ARM LLC DBA Oxygen XL compare to its peers?
YSA ARM LLC DBA Oxygen… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-03 2026-03
Top Consumer Issues
Attempts to collect debt not owed77 (%)
False statements or representation22 (%)
Written notification about debt17 (%)
Took or threatened to take negative or legal action14 (%)
Cont'd attempts collect debt not owed4 (%)
Communication tactics4 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 52 |
| False statements or representation | Attempted to collect wrong amount | 18 |
| Written notification about debt | Didn't receive enough information to verify debt | 14 |
| Attempts to collect debt not owed | Debt was result of identity theft | 14 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 14 |
| Attempts to collect debt not owed | Debt was paid | 11 |
| Cont'd attempts collect debt not owed | Debt is not mine | 4 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 4 |
| False statements or representation | Indicated you were committing crime by not paying debt | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
Where do complaints against YSA ARM LLC DBA Oxygen XL come from?
The states where consumers have filed the most CFPB complaints against YSA ARM LLC DBA Oxygen XL. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against YSA ARM LLC DBA Oxygen XL
Across 22 states with at least one filing
- Florida
Florida
39 complaints
- New York
New York
25 complaints
- Georgia 14
Georgia
14 complaints
- Texas 14
Texas
14 complaints
- New Jersey 11
New Jersey
11 complaints
- Pennsylvania 6
Pennsylvania
6 complaints
- Indiana 5
Indiana
5 complaints
- California 5
California
5 complaints
Frequently Asked Questions
What is the most common complaint against YSA ARM LLC DBA Oxygen XL? ▼
The most common issue consumers report about YSA ARM LLC DBA Oxygen XL is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 149 complaints filed with the CFPB.
Are complaints against YSA ARM LLC DBA Oxygen XL increasing or decreasing? ▼
Complaints against YSA ARM LLC DBA Oxygen XL are rising. The company received 57 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is YSA ARM LLC DBA Oxygen XL's reputation grade? ▼
YSA ARM LLC DBA Oxygen XL has a reputation grade of F (score: 49.5/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does YSA ARM LLC DBA Oxygen XL respond to consumer complaints? ▼
YSA ARM LLC DBA Oxygen XL has a 83% timely response rate to CFPB complaints. Consumers disputed the company's response in 38% of cases.
In how many states does YSA ARM LLC DBA Oxygen XL operate? ▼
YSA ARM LLC DBA Oxygen XL has received CFPB complaints from consumers in 22 states, with the most complaints from Florida (39 complaints).
What can I do if YSA ARM LLC DBA Oxygen XL is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If YSA ARM LLC DBA Oxygen XL violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |