Debt collector · complaint record
KLS Financial Services complaints
Filed under KLS Financial Services, Inc
Consumers have filed 360 complaints about KLS Financial Services since 2018, 79 of them in the last 12 months (+23% on the year before). It answered 2.5% on time and closed 0% with relief for the customer. The most common problem is attempts to collect debt not owed.
Poor response record. How it works
- Complaints on record
- 360
- Last 12 months
- 79
- Answered on time
- 2.5%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #243 of 1,963
Since November 2018
+23% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 16, 2026
Most complained-about debt collectors
KLS Financial Services complaints by month
The busiest month was March 2026 (15 complaints). Complaints in the last 12 months are up 23% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How KLS Financial Services answered last 12 months
- Closed with explanation33.8%
- Untimely response7696.2%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time0/452.5% on time
- Relief for customers0/400% closed with relief
- Complaint trend8/15+23% vs last year
What KLS Financial Services complaints are about
Top KLS Financial Services problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 90
- Debt was result of identity theft 25
- Debt was paid 14
- Debt was already discharged in bankruptcy and is no longer owed 4
Where KLS Financial Services complaints come from
Most complaints: North Carolina (173), Mississippi (37), Texas (24), Tennessee (19), Georgia (18).
KLS Financial Services compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Stenger & Stenger, P.CDebt collection | 55 | 81 | C |
| 2 | Capstone Credit & CollectionDebt collection | 55 | 80 | C |
| 3 | The Stark Collection AgencyDebt collection | 6 | 80 | F |
| 4 | Mechanics BankDebt collection | 61 | 80 | C |
| 5 | Tenaglia & Hunt, PADebt collection | 54 | 80 | C |
| 6 | TelerecoveryDebt collection | 9 | 80 | F |
| 7 | KLS Financial ServicesDebt collection | 8 | 79 | F |
| 8 | Ideal Collection ServicesDebt collection | 57 | 78 | C |
Compare side by side: KLS Financial Services vs Stenger & Stenger, P.C · KLS Financial Services vs Capstone Credit & Collection · KLS Financial Services vs The Stark Collection Agency · KLS Financial Services vs Mechanics Bank
What people say about KLS Financial Services
All experiencesNo experiences with KLS Financial Services yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest KLS Financial Services complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 16, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Sep 5, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | No timely reply |
| Sep 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Aug 28, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | No timely reply |
| Aug 20, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | No timely reply |
| Jul 21, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Jul 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Jul 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Jul 12, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | No timely reply |
| Jul 9, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | No timely reply |
| Jul 8, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | No timely reply |
| Jul 2, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | No timely reply |
Questions about KLS Financial Services
How many complaints does KLS Financial Services have?
KLS Financial Services has 360 complaints on record since November 2018, including 79 in the last 12 months and 0 in the last 30 days. That makes it number 542 of every company by complaints this year.
Does KLS Financial Services respond to complaints?
Yes. KLS Financial Services answered 2.5% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 8/100 (grade F).
What do people complain about most with KLS Financial Services?
The most common problems are attempts to collect debt not owed (133), false statements or representation (40), incorrect information on your report (41).
Is KLS Financial Services legit?
KLS Financial Services is a real company with a public complaint record: consumers have complained about it 360 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is KLS Financial Services legit? for the signals, red flags and how to protect yourself.
Are complaints about KLS Financial Services going up or down?
Up. There were 79 complaints in the last 12 months against 64 in the 12 before (+23%). See every month.
How do I file a complaint against KLS Financial Services?
Complain to KLS Financial Services in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most KLS Financial Services complaints come from?
Most come from North Carolina (173), Mississippi (37), Texas (24). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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