Debt collector · complaint record
Oxygen XL complaints
Filed under YSA ARM LLC DBA Oxygen XL
Consumers have filed 206 complaints about Oxygen XL since 2014, 66 of them in the last 12 months (+61% on the year before). It answered 95.5% on time and closed 25% with relief for the customer - about the same as a typical debt collector. The most common problem is attempts to collect debt not owed.
Average response record. How it works
- Complaints on record
- 206
- Last 12 months
- 66
- Answered on time
- 95.5%
- Closed with relief
- 25%
- Last 30 days
- 3
- Rank
- #267 of 1,963
Since April 2014
+61% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 28, 2026
Most complained-about debt collectors
Oxygen XL complaints by month
The busiest month was December 2025 (11 complaints). Complaints in the last 12 months are up 61% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Oxygen XL answered last 12 months
- Closed with non-monetary relief1624.2%
- Closed with explanation4771.2%
- In progress34.5%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time25/4595.5% on time
- Relief for customers21/4025.4% closed with relief
- Complaint trend4/15+61% vs last year
What Oxygen XL complaints are about
Top Oxygen XL problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 63
- Debt was result of identity theft 15
- Debt was paid 11
- Debt was already discharged in bankruptcy and is no longer owed 1
Where Oxygen XL complaints come from
Most complaints: Florida (49), New York (38), Georgia (20), Texas (19), New Jersey (16).
Oxygen XL compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Alliant Capital ManagementDebt collection | 54 | 68 | C |
| 2 | ECon CreditDebt collection | 10 | 66 | F |
| 3 | Oxygen XLDebt collection | 50 | 66 | C |
| 4 | Midwest Fidelity ServicesDebt collection | 55 | 65 | C |
| 5 | Collection ProfessionalsDebt collection | 15 | 65 | F |
| 6 | Harvard CollectionsDebt collection | 53 | 65 | C |
| 7 | RockLoansDebt collection | 0 | 64 | F |
| 8 | FMA AllianceDebt collection | 97 | 64 | A |
Compare side by side: Oxygen XL vs Alliant Capital Management · Oxygen XL vs ECon Credit · Oxygen XL vs Midwest Fidelity Services · Oxygen XL vs Collection Professionals
What people say about Oxygen XL
All experiencesNo experiences with Oxygen XL yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Oxygen XL complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 28, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | In progress |
| Oct 23, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | In progress |
| Oct 22, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 15, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 8, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 1, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Sep 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 16, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 13, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Sep 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 11, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Sep 5, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
Questions about Oxygen XL
How many complaints does Oxygen XL have?
Oxygen XL has 206 complaints on record since April 2014, including 66 in the last 12 months and 3 in the last 30 days. That makes it number 592 of every company by complaints this year.
Does Oxygen XL respond to complaints?
Yes. Oxygen XL answered 95.5% of its complaints on time (within 15 days) and closed 25% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 50/100 (grade C).
What do people complain about most with Oxygen XL?
The most common problems are attempts to collect debt not owed (90), incorrect information on your report (21), took or threatened to take negative or legal action (19).
Is Oxygen XL legit?
Oxygen XL is a real company with a public complaint record: consumers have complained about it 206 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Oxygen XL legit? for the signals, red flags and how to protect yourself.
Are complaints about Oxygen XL going up or down?
Up. There were 66 complaints in the last 12 months against 41 in the 12 before (+61%). See every month.
How do I file a complaint against Oxygen XL?
Complain to Oxygen XL in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Oxygen XL complaints come from?
Most come from Florida (49), New York (38), Georgia (20). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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