Debt collection
KLS Financial Services debt collection complaints
Consumers have filed 283 complaints about KLS Financial Services's debt collection, 63 in the last 12 months (+19%). KLS Financial Services answered 1.6% on time and closed 0% with relief. See the whole KLS Financial Services record.
KLS Financial Services against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | KLS Financial Services | 63 | 1.6% | 0% |
Latest KLS Financial Services debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Apr 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Apr 3, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Apr 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Mar 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Mar 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Mar 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Mar 24, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Mar 19, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | No timely reply |
| Mar 16, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Mar 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Mar 13, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | No timely reply |
| Mar 11, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | No timely reply |
| Mar 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Mar 7, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | No timely reply |
| Mar 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Mar 4, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | No timely reply |
| Mar 2, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | No timely reply |
| Feb 19, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | No timely reply |
| Feb 13, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Jan 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Jan 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Jan 26, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Jan 21, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | No timely reply |
| Jan 16, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | No timely reply |
| Jan 16, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jan 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Jan 8, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | No timely reply |
| Jan 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Jan 4, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Dec 21, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | No timely reply |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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