This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 441 complaints

Kinum, Inc., Indianapolis, IN Branch - Debt Collector Complaint Profile

CFPB complaint profile across 40 states, reputation grade D.

Complaints by issue type

What consumers report about Kinum, Inc., Indianapolis, IN Branch

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 56.4/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Kinum, Inc., Indianapolis, IN Branch ranks ahead of 30% of the 5,283 collectors PlainCollector grades - 70% keep a cleaner CFPB record, on 441 all-time complaints and a 100% timely-response rate.

30th pct
reputation rank of 5,283 graded collectors
441
CFPB complaints, all-time
100%
answered inside the CFPB window
151
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Kinum, Inc., Indianapolis, IN Branch?

Kinum, Inc., Indianapolis, IN Branch has accumulated 441 total CFPB complaints across 40 states, with 151 filed in the most recent 12 months against 290 historical complaints before that window. The trailing-12-month volume represents 34.2% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 100% timely-response rate against a 24% consumer-dispute-after-response rate.

Complaints have been recorded across 40 states, led by Texas with 63 and Michigan with 44. Normalized against the full CFPB collector database, the reputation score of 56.4/100 places Kinum, Inc., Indianapolis, IN Branch in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

441

mid-volume (CCDB)

Last 12 months

151

34.2% of all-time complaints

Rising ↑

States active

40

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

24%

elevated (vertical avg ~19%)

Reputation grade

D

56.4/100 composite

How does Kinum, Inc., Indianapolis, IN Branch's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

56 30th percentile higher than 30% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Kinum, Inc., Indianapolis, IN Branch versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 23.8%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 71.4%

Share of US states + territories with at least one filed complaint against this collector.

How does Kinum, Inc., Indianapolis, IN Branch compare to its peers?

How does Kinum, Inc., Indianapolis, IN Branch compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Kinum, Inc., Indianapo… National average
Complaints (last 12 mo)lower is better
151
353
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
24%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-03 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 182
Written notification about debt - 75
Took or threatened to take negative or legal action - 68
False statements or representation - 50
Communication tactics - 46
Threatened to contact someone or share information improperly - 9
Cont'd attempts collect debt not owed - 4
Improper contact or sharing of info - 4
Disclosure verification of debt - 1
Electronic communications - 1

Where do complaints against Kinum, Inc., Indianapolis, IN Branch come from?

Kinum, Inc., Indianapolis, IN Branch's own per-state count, not a national baseline.

Top states by complaints against Kinum, Inc., Indianapolis, IN Branch

Across 40 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Kinum, Inc., Indianapolis, IN Branch contacts you

A grade of D signals how Kinum, Inc., Indianapolis, IN Branch's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Kinum, Inc., Indianapolis, IN Branch and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Kinum, Inc., Indianapolis, IN Branch ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Kinum, Inc., Indianapolis, IN Branch? ▼

The most common issue consumers report about Kinum, Inc., Indianapolis, IN Branch is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 441 complaints filed with the CFPB.

Are complaints against Kinum, Inc., Indianapolis, IN Branch increasing or decreasing? ▼

Complaints against Kinum, Inc., Indianapolis, IN Branch are rising. The company received 151 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Kinum, Inc., Indianapolis, IN Branch's reputation grade? ▼

Kinum, Inc., Indianapolis, IN Branch has a reputation grade of D (score: 56.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Kinum, Inc., Indianapolis, IN Branch respond to consumer complaints? ▼

Kinum, Inc., Indianapolis, IN Branch has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 24% of cases.

In how many states does Kinum, Inc., Indianapolis, IN Branch operate? ▼

Kinum, Inc., Indianapolis, IN Branch has received CFPB complaints from consumers in 40 states, with the most complaints from Texas (63 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.