What is the most common complaint against KLS Financial Services, Inc?

The most common issue consumers report about KLS Financial Services, Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 268 complaints filed with the CFPB.

Are complaints against KLS Financial Services, Inc increasing or decreasing?

Complaints against KLS Financial Services, Inc have been stable. The company received 68 complaints in the last 12 months.

What is KLS Financial Services, Inc's reputation grade?

KLS Financial Services, Inc has a reputation grade of F (score: 25.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does KLS Financial Services, Inc respond to consumer complaints?

KLS Financial Services, Inc has a 36% timely response rate to CFPB complaints.

In how many states does KLS Financial Services, Inc operate?

KLS Financial Services, Inc has received CFPB complaints from consumers in 23 states, with the most complaints from North Carolina (129 complaints).

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

KLS Financial Services, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 23 states, reputation grade F.

Compiled by PlainCollector

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

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 #5252

VOL 268
GRADE F
12MO 68
STATES 23
TIMELY 36%
ISSUE Attempts to collect debt n…
RANK #427
COMPOSE #5,252

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: KLS Financial Services, Inc is volume #427 but composite #5,252, while North Carolina dominates the geography. 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
Divergent corpus ranks: #427 volume; #5,252 composite; Cleanest-composite ladder is 4,825 places worse than volume

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… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

36%

99%

91%

Consumer-dispute ratelower is better

34%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

North Carolina

129
Mississippi

26
Texas

18
Arizona

14
Georgia

14
Tennessee

13
South Carolina

10
Florida

9

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.