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Data / Consumer complaints / YSA ARM LLC DBA Oxygen XL

YSA ARM LLC DBA Oxygen XL: 142 CFPB consumer complaints in the last 3 years

YSA ARM LLC DBA Oxygen XL drew 142 consumer complaints in the CFPB database in the three years to November 6, 2026, and 206 since 2014. The largest group, 118, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 63. The company responded on time to 95.8% of the complaints, and 40.8% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every debt collection companyGet debt collection in Florida
  • 142Complaints, last 3 years
  • 206Complaints, all years
  • 95.8%Responded on time
  • 40.8%Closed with relief
  • 2Products
  • Oct 28, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 654
202549
202435
202324
20224
202112
20204
20196
20185
20175
20161
20153
20144

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Debt collection11883.1%
Credit reporting or other personal consumer reports2416.9%

Issues

IssueComplaintsShare
Attempts to collect debt not owed6344.4%
False statements or representation1812.7%
Incorrect information on your report1812.7%
Written notification about debt1510.6%
Took or threatened to take negative or legal action139.2%
Communication tactics64.2%
Improper use of your report42.8%
Problem with a company's investigation into an existing problem21.4%
Threatened to contact someone or share information improperly21.4%
Electronic communications10.7%

How the company responded

Company responseComplaintsShare
Closed with explanation8056.3%
Closed with non-monetary relief5840.8%
In progress21.4%
Untimely response21.4%

States

StateComplaintsShare
Florida3726.1%
New York2014.1%
Texas1712%
Georgia149.9%
New Jersey107%
California53.5%
North Carolina53.5%
Pennsylvania53.5%
Michigan42.8%
Illinois32.1%
Virginia32.1%
Colorado21.4%
Kansas21.4%
Mississippi21.4%
South Carolina21.4%
Tennessee21.4%
Alabama10.7%
Arizona10.7%
Iowa10.7%
Indiana10.7%
Louisiana10.7%
Nevada10.7%
Ohio10.7%
Oklahoma10.7%
Utah10.7%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 28, 2026Debt collectionFalse statements or representationIn progressconsumerfinance.gov
October 22, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
October 15, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 8, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 1, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 30, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 16, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 13, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 12, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 11, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 7, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
September 5, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
August 20, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
August 18, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 14, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 11, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 22, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 8, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 6, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
June 30, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 29, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
June 27, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 19, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
June 16, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 27, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
May 3, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 27, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
April 24, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
April 12, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 10, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
April 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 19, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 15, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
March 11, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
March 11, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
March 4, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
February 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 24, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
February 24, 2026Debt collectionCommunication tacticsClosed with non-monetary reliefconsumerfinance.gov
February 23, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
February 23, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
February 12, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
February 3, 2026Debt collectionTook or threatened to take negative or legal actionClosed with non-monetary reliefconsumerfinance.gov
January 26, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
January 23, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 20, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
January 14, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 13, 2026Debt collectionFalse statements or representationClosed with non-monetary reliefconsumerfinance.gov
January 13, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
January 12, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.