This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade F 157 complaints

YSA ARM LLC DBA Oxygen XL - Debt Collector Complaint Profile

CFPB complaint profile across 23 states, reputation grade F.

Complaints by issue type

What consumers report about YSA ARM LLC DBA Oxygen XL

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 49.5/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: YSA ARM LLC DBA Oxygen XL ranks ahead of 14% of the 5,283 collectors PlainCollector grades - 86% keep a cleaner CFPB record, on 157 all-time complaints and a 83% timely-response rate.

14th pct
reputation rank of 5,283 graded collectors
157
CFPB complaints, all-time
83%
answered inside the CFPB window
58
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about YSA ARM LLC DBA Oxygen XL?

YSA ARM LLC DBA Oxygen XL has accumulated 157 total CFPB complaints across 23 states, with 58 filed in the most recent 12 months against 99 historical complaints before that window. The trailing-12-month volume represents 36.9% 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". The company posts a 83% timely-response rate against a 38% consumer-dispute-after-response rate.

Complaints have been recorded across 23 states, led by Florida with 40 and New York with 27. 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.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

157

mid-volume (CCDB)

Last 12 months

58

36.9% of all-time complaints

Rising ↑

States active

23

multi-region footprint

Timely response rate

83%

acceptable band

Consumer disputes

38%

high (vertical avg ~19%)

Reputation grade

F

49.5/100 composite

How does YSA ARM LLC DBA Oxygen XL's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

50 Bottom 14% higher than 14% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

YSA ARM LLC DBA Oxygen XL versus the debt-collection vertical average.

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) 37.5%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 41.1%

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?

How does YSA ARM LLC DBA Oxygen XL compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
YSA ARM LLC DBA Oxygen… National average
Complaints (last 12 mo)lower is better
58
44
268
Timely-response ratehigher is better
83%
99%
91%
Consumer-dispute ratelower is better
38%
26%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2020-08 2023-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 82
False statements or representation - 22
Written notification about debt - 17
Took or threatened to take negative or legal action - 17
Communication tactics - 8
Cont'd attempts collect debt not owed - 7
Threatened to contact someone or share information improperly - 2
Disclosure verification of debt - 1
Electronic communications - 1

Where do complaints against YSA ARM LLC DBA Oxygen XL come from?

YSA ARM LLC DBA Oxygen XL's own per-state count, not a national baseline.

Top states by complaints against YSA ARM LLC DBA Oxygen XL

Across 23 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if YSA ARM LLC DBA Oxygen XL contacts you

A grade of F signals how YSA ARM LLC DBA Oxygen XL's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really YSA ARM LLC DBA Oxygen XL and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how YSA ARM LLC DBA Oxygen XL ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 157 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 58 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 23 states, with the most complaints from Florida (40 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.