Debt collection
Oxygen XL debt collection complaints
Consumers have filed 173 complaints about Oxygen XL's debt collection, 53 in the last 12 months (+43%). Oxygen XL answered 94.3% on time and closed 30% with relief. See the whole Oxygen XL record.
Oxygen XL against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Oxygen XL | 53 | 94.3% | 30% |
Latest Oxygen XL debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Feb 24, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Feb 24, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Fixed |
| Feb 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Feb 23, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Fixed |
| Feb 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Feb 3, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Jan 26, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jan 23, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jan 14, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jan 13, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Jan 13, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jan 12, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Fixed |
| Jan 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Jan 7, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Dec 29, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Dec 23, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 23, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Dec 22, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 18, 2025 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Fixed |
| Dec 17, 2025 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Dec 8, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Fixed |
| Dec 6, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Nov 19, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Nov 12, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Nov 6, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Nov 5, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 25, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 22, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 15, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Oct 14, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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