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

CFPB complaint data Grade F 268 complaints

KLS Financial Services, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 23 states, reputation grade F.

Complaints by issue type

What consumers report about KLS Financial Services, Inc

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record kls-financial-services-inc KLS Financial Services, Inc

Grade F · 268 CFPB filings · 36% timely · lead issue: Attempts to collect debt not owed · vol #427 · compose #534

  • VOL 268
  • GRADE F
  • 12MO 68
  • STATES 23
  • TIMELY 36%
  • ISSUE Attempts to collect debt n…
  • RANK #427
  • COMPOSE #534

Volume peers

Nearest volume peer: American Accounts & Advisers, Inc. (268 complaints)

Elevate Recoveries, LLCElevate Recoveries, LLC267American Accounts & Advisers, Inc.American Accounts & Advisers…268Receivable Management Group, Inc. (GA)Receivable Management Group,…268KLS Financial Services, Inc (this)KLS Financial Services, Inc …268Mountain Run Solutions, LLCMountain Run Solutions, LLC269
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

KLS Financial Services, Inc's 268 CFPB complaints sit next to American Accounts & Advisers, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 268 complaints break down

Every complaint issue type on record for KLS Financial Services, Inc, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
25.0/100
KLS Financial Services, Inc

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
268
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response D
36%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

48.1% of KLS Financial Services, Inc's CFPB filings land in North Carolina

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
North Carolina 48.1%
129 of 268 filings · 23 states touched
Seasonal peak
2025-12 10.8%
8–15% band · 118 filings
Corpus ranks
#427 volume
#534 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does KLS Financial Services, Inc compare to its peers?

How does KLS Financial Services, Inc compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
KLS Financial Services, Inc National average
Complaints (last 12 mo)lower is better
68
15
268
Timely-response ratehigher is better
36%
99%
91%
Consumer-dispute ratelower is better
0%
34%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy KLS Financial Services, Inc a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%50%100%150% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) KLS Financial Services, Inc vs. 8 similar-volume peers, by response speed and dispute rate American Accounts & Advisers, Inc.Receivable Management Group, Inc. (GA)Key 2 Recovery, Inc.Windham Professionals, Inc.Account Resolution CorporationMaury Cobb, Attorney at Law, LLCMobiloans, LLCSuttell, Hammer & White, P.S
Source: CFPB Consumer Complaint Database

KLS Financial Services, Inc's complaint volume in context

KLS Financial Services, Inc vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

268 Top 8% higher than 92% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. KLS Financial Services, Inc 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
126
Written notification about debt
69
False statements or representation
37
Took or threatened to take negative or legal action
25
Communication tactics
8
Threatened to contact someone or share information improperly
3

Where do complaints against KLS Financial Services, Inc come from?

KLS Financial Services, Inc's own per-state count, not a national baseline.

Top states by complaints against KLS Financial Services, Inc

Across 23 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for KLS Financial Services, Inc: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 268.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 35.98326359832636%.

4 peers

Know your rights before responding to KLS Financial Services, Inc: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.