Debt collection -- Attempts to collect debt not owed -- Complaint #6388186
Complaint Overview
Complaint ID: 6388186
Company: Kls Financial Services, INC
Product: Debt collection
Sub-Product: Medical debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Tennessee
ZIP Code: 378XX
Date Received: 2023-01-02T12:00:00-05:00
Date Sent to Company: 2023-01-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was charged a missed visit fee from XXXX XXXX but a provider never contacted me for my XXXX appointment. I have submitted my phone records to XXXX XXXX proving that I was never contacted by corporate to file my insurance ( which generally happens 30 minutes to XXXX hour prior to a XXXX visit, and then a text link for the provider is sent to me ). I never received a call from a provider at any time on the missed visit date, as evidenced by my phone records. I left multiple voicemails, spoke with multiple supervisors, and sent multiple emails to XXXX XXXX, but no solution or return contact was ever received. I kept being told the charge was " in review ''. Then, I received a collections notice. I have tried to file a dispute with KLS Financial Services four separate times now ( three times via phone and once via klspay.com per their statement ), and I keep being told that I " can not file a dispute '' and " should just pay the amount ''. My credit rating is excellent, and I've never had a collections company contact me in nearly 40 years. Obviously, there is something wrong, or I wouldn't be fighting two separate companies over a menial {$40.00}. But it's my {$40.00}, and I don't owe the charge. XXXX XXXX should be paying me for the missed visit, since their provider did not show for my appointment.
Frequently Asked Questions
What is Complaint #6388186 about?
Complaint #6388186 was filed against Kls Financial Services, INC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-01-02T12:00:00-05:00.
How did Kls Financial Services, INC respond to this complaint?
The company responded with: "Closed with explanation". The response was 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.