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Data / Consumer complaints / KLS Financial Services, Inc

KLS Financial Services, Inc: 184 CFPB consumer complaints in the last 3 years

KLS Financial Services, Inc drew 184 consumer complaints in the CFPB database in the three years to November 6, 2026, and 360 since 2018. The largest group, 153, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 68. The company responded on time to 12.0% of the complaints, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every debt collection companyGet debt collection in North Carolina
  • 184Complaints, last 3 years
  • 360Complaints, all years
  • 12.0%Responded on time
  • 0.0%Closed with relief
  • 2Products
  • Oct 16, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 674
202564
202444
202336
202240
202144
202028
201925
20185

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Debt collection15383.2%
Credit reporting or other personal consumer reports3116.8%

Issues

IssueComplaintsShare
Attempts to collect debt not owed6837%
Written notification about debt3317.9%
False statements or representation3016.3%
Took or threatened to take negative or legal action179.2%
Incorrect information on your report168.7%
Improper use of your report84.3%
Problem with a company's investigation into an existing problem73.8%
Communication tactics21.1%
Threatened to contact someone or share information improperly21.1%
Electronic communications10.5%

How the company responded

Company responseComplaintsShare
Closed with explanation9451.1%
Untimely response9048.9%

States

StateComplaintsShare
North Carolina9350.5%
Mississippi2212%
Tennessee147.6%
South Carolina116%
Texas116%
Florida84.3%
Georgia52.7%
Alabama42.2%
Arizona42.2%
California31.6%
Arkansas21.1%
Ohio21.1%
Virginia21.1%
Hawaii10.5%
Kentucky10.5%
Louisiana10.5%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 16, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
September 5, 2026Debt collectionFalse statements or representationUntimely responseconsumerfinance.gov
September 1, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
August 28, 2026Debt collectionThreatened to contact someone or share information improperlyUntimely responseconsumerfinance.gov
August 20, 2026Debt collectionFalse statements or representationUntimely responseconsumerfinance.gov
July 21, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
July 18, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
July 13, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
July 12, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
July 9, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
July 8, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
July 2, 2026Debt collectionFalse statements or representationUntimely responseconsumerfinance.gov
July 1, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
July 1, 2026Debt collectionElectronic communicationsUntimely responseconsumerfinance.gov
June 26, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
June 26, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
June 25, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
June 18, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
June 17, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
June 17, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
June 9, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
June 5, 2026Debt collectionFalse statements or representationUntimely responseconsumerfinance.gov
June 5, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
June 1, 2026Debt collectionFalse statements or representationUntimely responseconsumerfinance.gov
May 29, 2026Credit reporting or other personal consumer reportsImproper use of your reportUntimely responseconsumerfinance.gov
May 28, 2026Debt collectionFalse statements or representationUntimely responseconsumerfinance.gov
May 11, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
May 8, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemUntimely responseconsumerfinance.gov
May 7, 2026Debt collectionFalse statements or representationUntimely responseconsumerfinance.gov
May 7, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
May 4, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
May 2, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
April 28, 2026Debt collectionCommunication tacticsUntimely responseconsumerfinance.gov
April 18, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
April 11, 2026Debt collectionFalse statements or representationUntimely responseconsumerfinance.gov
April 9, 2026Debt collectionThreatened to contact someone or share information improperlyUntimely responseconsumerfinance.gov
April 7, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
April 6, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
April 6, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
April 3, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
April 1, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
March 30, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
March 28, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
March 28, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
March 28, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
March 24, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
March 19, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
March 16, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
March 13, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
March 13, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.