KLS Financial Services, Inc
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Medical debt
CFPB collection forwarding receipt
Forwarded record DC-KLS-FINANCIAL-SERV KLS Financial Services, Inc
240 DC complaints · rank #326/656 · 37.7% timely
- DC 240
- RANK #326/656
- TIMELY 37.7%
- RELIEF 0%
- DISPUTE n/a
- STATES 25
- ISSUE Attempts to collect debt no…
- RESP Closed with explanation
- PHOTO Altisource Portfolio Soluti…
Volume peers
Photo peer: Altisource Portfolio Solutions, S.à r.l. (239)
KLS Financial Services, Inc's 240 debt-collection complaints sit next to Altisource Portfolio Solutions, S.à r.l. (239) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for KLS Financial Services, Inc →
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Complaints by Year
| Year | Complaints |
|---|---|
| 2018 | 5 |
| 2019 | 25 |
| 2020 | 28 |
| 2021 | 44 |
| 2022 | 40 |
| 2023 | 36 |
| 2024 | 44 |
| 2025 | 64 |
| 2026 | 22 |
Complaints by State (Top 15)
What the CFPB Record Shows for KLS Financial Services, Inc
According to the CFPB Consumer Complaint Database as aggregated by PlainCredit, KLS Financial Services, Inc ranks #326 of 656 debt collectors by debt-collection complaint volume (50th percentile), using the same dc_complaints sort as the Collectors directory. 240 debt-collection complaints against KLS Financial Services, Inc appear in the CFPB record - 77.9% of the 308 complaints filed about this entity. The 25 states and territories represented make this a multi-state operation by complaint volume. The most common debt type behind these complaints is "Medical debt," which is the category consumers most often describe when they file a CFPB report about this collector. The single most-cited specific issue is "Attempts to collect debt not owed" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.
Within the Bureau's 15-day response window, this company answers 37.7% of forwarded complaints. That is far under the 95% benchmark, a material red flag since late or missing responses are strongly linked to CFPB supervisory action against collectors. Of resolved cases, 0% closed with monetary or non-monetary relief to the consumer, which is a notably low relief ratio and worth weighing against the disputed-response percentage.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Full complaint profile for KLS Financial Services, Inc → · All debt collectors →
Nationwide collectors with similar complaint volume or dispute rates
Two CFPB peer sets for KLS Financial Services, Inc: nearest debt collectors by debt-collection complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the volume strip on the forwarding receipt above.
Similar complaint volume
Nearest collectors by debt-collection complaint count (240 here).
Frequently asked questions
How many CFPB debt-collection complaints does KLS Financial Services, Inc have?
240 debt-collection complaints name KLS Financial Services, Inc in this CFPB extract - corpus rank #326/656.
Does KLS Financial Services, Inc respond to CFPB complaints on time?
CFPB complaints against KLS Financial Services, Inc show a 37.7% timely-response rate.
What issue do consumers cite most about KLS Financial Services, Inc?
Consumers most often name "Attempts to collect debt not owed" when complaining about KLS Financial Services, Inc.
How should I read KLS Financial Services, Inc's CFPB complaint record?
KLS Financial Services, Inc's profile is a CFPB data extract for research. For rights and filing mechanics, use the debt-collection rights and how-to-file-CFPB-complaint guides on this site.
Related guides: Debt collection rights · How to file a CFPB complaint · Reading CFPB complaint data
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.