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Harvard Collections vs Oxygen XL

On the complaint record, Harvard Collections scores higher (53/100 against 50): it answered 98.5% on time and gave relief in 0% of closed complaints, against 95.5% and 25% for Oxygen XL.

Harvard Collections
Oxygen XL
Harvard CollectionsOxygen XL
Response Score53/10050/100
Complaints, last 12 months6566
Change on the year before-29%+61%
Answered on time98.5%95.5%
Closed with relief0%25%
Closed with money back0%0%
Complaints, all time770206
Top problemAttempts to collect debt not owedAttempts to collect debt not owed
Visitors' rating--

Highlighted: the better figure. Bigger companies get more complaints, so compare the shares and the trend rather than the totals.

Harvard Collections by month

Oxygen XL by month

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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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