Debt collection -- Written notification about debt -- Complaint #14089639
Complaint Overview
Complaint ID: 14089639
Company: Kls Financial Services, INC
Product: Debt collection
Sub-Product: Medical debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: North Carolina
ZIP Code: 28216
Date Received: 2025-06-15T12:00:00-05:00
Date Sent to Company: 2025-06-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
noticed a collection account from KLS Financial Services , Inc. on my credit report with an open balance of {$660.00}, last reported on XX/XX/year>. I was never contacted by KLS Financial Services before this account appeared. I did not receive any written notice, phone calls, or correspondence informing me of the debt or my right to dispute it, as required under the Fair Debt Collection Practices Act ( FDCPA ). I disputed this account through XXXX, but they responded that the account was verified as accurate without me ever receiving any validation or direct information from KLS. To date, I have not received any debt validation letter or communication from the company. I believe this violates my rights under FDCPA and possibly the Fair Credit Reporting Act ( FCRA ). I am requesting a full investigation and removal of this account from my credit report if it can not be properly validated.
Frequently Asked Questions
What is Complaint #14089639 about?
Complaint #14089639 was filed against Kls Financial Services, INC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-06-15T12:00:00-05:00.
How did Kls Financial Services, INC respond to this complaint?
The company responded with: "Closed with explanation". The response was not timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Kls Financial Services, INC?
Yes, visit the Kls Financial Services, INC company profile at readthecomplaint.com/company/kls-financial-services-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.