CFPB Consumer Complaint Profile
KLS Financial Services, Inc
Consumers have filed 308 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-05-15
- 308
- Total complaints
- 69
- Last 12 months
- 37.7%
- Timely response
- 25
- States affected
The verdict
Among 3,848 financial companies tracked by CFPB complaint volume, KLS Financial Services, Inc sits at #688, with 308 complaints logged. It answers 37.7% of complaints on time - below the 93% median for companies with 100+ complaints.
- #688
- of 3,848 companies by volume
- 37.7%
- answered on time
- Debt collection
- most-complained product
- 25
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
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)
Company Responses
What the CFPB Complaint Record Shows for KLS Financial Services, Inc
308 complaints against KLS Financial Services, Inc appear in the CFPB record, including 69 from the trailing year. The 25 states and territories represented put this footprint in multi-regional territory. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, KLS Financial Services, Inc answers 37.7% of forwarded complaints. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. Of complaints that were resolved, 0% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does KLS Financial Services, Inc have?
308 complaints have been filed against KLS Financial Services, Inc with the CFPB overall - 69 of them in the past year.
Does KLS Financial Services, Inc respond to complaints on time?
37.7% of the CFPB complaints against KLS Financial Services, Inc get a response within the expected window. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for KLS Financial Services, Inc?
Among all products tied to KLS Financial Services, Inc, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with KLS Financial Services, Inc?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against KLS Financial Services, Inc - see all issues and counts above.
How do I file a complaint against KLS Financial Services, Inc?
You can file a complaint against KLS Financial Services, Inc directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about KLS Financial Services, Inc?
KLS Financial Services, Inc has drawn CFPB complaints from 25 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~308)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.