Total CFPB complaints
239
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 239 complaints
KLS Financial Services, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 23 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about KLS Financial Services, Inc
- Attempts to collect debt not owed
Attempts to collect debt not owed
112 complaints
- Written notification about debt
Written notification about debt
66 complaints
- False statements or representation 27
False statements or representation
27 complaints
- Took or threatened to take negative or legal action 19
Took or threatened to take negative or legal action
19 complaints
- Communication tactics 3
Communication tactics
3 complaints
F
Grade F · 28.4/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about KLS Financial Services, Inc?
KLS Financial Services, Inc has accumulated 239 total CFPB complaints across 23 states, with 54 filed in the most recent 12 months against 185 historical complaints before that window. The trailing-12-month volume represents 22.6% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 36% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 23 states, led by North Carolina with 114 and Mississippi with 20, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 28.4/100 places KLS Financial Services, Inc in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
54
22.6% of total history
Rising ↑
States active
23
Distinct state filings
Timely response rate
36%
Within CFPB SLA window
Reputation grade
F
28.4/100 composite
Response-quality profile
How KLS Financial Services, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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?
KLS Financial Services… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed112 (%)
Written notification about debt66 (%)
False statements or representation27 (%)
Took or threatened to take negative or legal action19 (%)
Communication tactics3 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 71 |
| Written notification about debt | Didn't receive enough information to verify debt | 40 |
| False statements or representation | Attempted to collect wrong amount | 27 |
| Written notification about debt | Didn't receive notice of right to dispute | 23 |
| Attempts to collect debt not owed | Debt was result of identity theft | 23 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 19 |
| Attempts to collect debt not owed | Debt was paid | 14 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 4 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 3 |
| Communication tactics | Used obscene, profane, or other abusive language | 3 |
Where do complaints against KLS Financial Services, Inc come from?
The states where consumers have filed the most CFPB complaints against KLS Financial Services, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against KLS Financial Services, Inc
Across 23 states with at least one filing
- North Carolina
North Carolina
114 complaints
- Mississippi 20
Mississippi
20 complaints
- Texas 16
Texas
16 complaints
- Arizona 14
Arizona
14 complaints
- Georgia 14
Georgia
14 complaints
- Tennessee 12
Tennessee
12 complaints
- South Carolina 8
South Carolina
8 complaints
- Florida 8
Florida
8 complaints
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 239 complaints filed with the CFPB.
Are complaints against KLS Financial Services, Inc increasing or decreasing? ▼
Complaints against KLS Financial Services, Inc are rising. The company received 54 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is KLS Financial Services, Inc's reputation grade? ▼
KLS Financial Services, Inc has a reputation grade of F (score: 28.4/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 (114 complaints).
What can I do if KLS Financial Services, Inc is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If KLS Financial Services, Inc violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |