Oxygen XL is an accounts receivable and collection company, founded in 2011, that collects for property managers, parking companies, utilities, schools and other businesses. A notice from it often concerns unpaid rent, a parking charge or a service bill.
- Type
- Collection agency
- Also known as
- YSA ARM LLC; YSA ARM LLC DBA Oxygen XL
- Collects
- rental arrears, parking charges, utility bills, education accounts, automotive accounts, professional services
- Phone numbers it lists
- (845) 579-2950
- Website
- oxygenxl.com
119 debt collection complaints were sent to the Consumer Financial Protection Bureau about YSA ARM LLC DBA Oxygen XL from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Oxygen XL?
Oxygen XL says it has served consumer and commercial clients since 2011 and describes itself as an outsourced accounts receivable partner that recovers defaulted receivables. Its "Who We Are" page identifies Jonathan (Yona) Abenson as the founder. The company lists an office at 1620 Route 22, Suite 205-D, in Union, New Jersey, and a mailing address in Beaverton, Oregon. The CFPB complaint database lists the company as YSA ARM LLC doing business as Oxygen XL.
Its published phone number is (845) 579-2950, and its contact email is [email protected]. The site notes integrations with Rent Manager property-management software and QuickBooks, which suggests many of its clients send accounts directly from their billing systems.
Why Oxygen XL May Be Contacting You
Oxygen XL's services page names property management, parking, professional services, marketing, education, automotive and utilities, and it specifically mentions rental arrears. The site also shows a Rent Stabilization Association logo. The most likely reasons for a notice are:
- rent, fees or damage charges a landlord says you owed when you moved out;
- a parking charge or parking-facility balance;
- a utility or water-service bill; or
- an unpaid bill from a school, auto business or professional service provider.
How to Check a Debt Oxygen XL Says You Owe
Move-out and parking charges are frequently disputed, and the documents that settle them are usually in your hands or your landlord's.
- Read the validation notice carefully. It must name the creditor and itemize the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period if the charges are wrong. Oxygen XL must stop collecting until it verifies the debt.
- For rental balances, ask for the lease, the move-out inspection, photos, repair invoices and the security-deposit accounting. In Texas, once you move out and give a forwarding address, the landlord generally must refund the deposit or send a written list of deductions (Tex. Prop. Code §§ 92.103–.104).
- For parking charges, ask for the notice, posted terms or contract that created the charge, and how any "violation" fee on top of the parking rate was calculated.
- Ask who owns the account today, and compare the balance with your own records.
- Check the timeline. Texas's general limit to sue on a debt is four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states may use different limits.
What Oxygen XL Can and Can't Do
When it collects consumer accounts owed to its clients, Oxygen XL is a "debt collector" under 15 U.S.C. § 1692a(6).
- It may not add collection fees beyond what your lease or contract allows (15 U.S.C. § 1692f(1)).
- It may not report or threaten to report a disputed debt without noting the dispute (15 U.S.C. § 1692e(8)).
- Its texts and emails must offer a way to opt out (12 C.F.R. § 1006.6(e)).
- More than seven calls in seven days about one debt is presumed to be harassment (12 C.F.R. § 1006.14(b)(2)).
We did not find a CFPB enforcement action against Oxygen XL. For how federal courts treat parking-fine collection, see our note on the Fifth Circuit's Frankfort decision, or contact our FDCPA attorneys.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Oxygen XL or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Oxygen XL: home page
- Oxygen XL: Who We Are
- Oxygen XL: Services
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: YSA ARM LLC DBA Oxygen XL, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Oxygen XL has violated any law. Company details change; tell us if something here is out of date.