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

Data updated July 2026

F

Grade F · 28.4/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

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

The verdict

A reputation grade of F: KLS Financial Services, Inc ranks ahead of 0% of the 5,283 collectors PlainCollector grades - 100% keep a cleaner CFPB record, on 268 all-time complaints and a 36% timely-response rate.

0th pct
reputation rank of 5,283 graded collectors
268
CFPB complaints, all-time
36%
answered inside the CFPB window
68
in the last 12 months (stable)

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 KLS Financial Services, Inc?

KLS Financial Services, Inc has accumulated 268 total CFPB complaints across 23 states, with 68 filed in the most recent 12 months against 200 historical complaints before that window. The trailing-12-month volume represents 25.4% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

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 36% timely-response rate.

Complaints have been recorded across 23 states, led by North Carolina with 129 and Mississippi with 26. Normalized against the full CFPB collector database, the reputation score of 28.4/100 places KLS Financial Services, Inc in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

268

mid-volume (CCDB)

Last 12 months

68

25.4% of all-time complaints

Stable →

States active

23

multi-region footprint

Timely response rate

36%

below sla band

Reputation grade

F

28.4/100 composite

How does KLS Financial Services, Inc's reputation rank nationally?

Reputation score vs. every graded collector

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

28 Bottom 1% higher than 0% 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%). This entry sits in this band. 30–40: 160 graded collectors (3%). Above this entry. 40–50: 583 graded collectors (11%). Above this entry. 50–60: 1,469 graded collectors (28%). Above this entry. 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

KLS Financial Services, Inc versus the debt-collection vertical average.

Timely response within SLA 36.0%
Vertical avg

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

State coverage breadth 41.1%

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

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, drawn from 10 collectors with a comparable complaint count
KLS Financial Services… 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.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if KLS Financial Services, Inc contacts you

A grade of F signals how KLS Financial Services, Inc'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 KLS Financial Services, Inc 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 KLS Financial Services, Inc 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 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: 28.4/100), 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).

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.