CFPB · Single-product concentration
KLS Financial Services, Inc
340 CFPB complaints · 78.5% in "Debt collection" · top issue Attempts to collect debt not owed.
KLS Financial Services, Inc: 78.5% of 340 CFPB complaints sit in "Debt collection". Timely 34.7% · relief 0%. Allegations, not findings.
- Single-product concentration
- +980% filings 2018 to 2026
CFPB relief outcome brief
CCDB company kls-financial-services-inc
0% relief · 34.7% timely · 340 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
KLS Financial Services, Inc closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 340 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
KLS Financial Services, Inc complaint mix by product
- Debt collection 267 78.5% – 0% relief
- Credit reporting, 45 13.2% – 0% relief
- Credit reporting 28 8.2% – 0% relief
How KLS Financial Services, Inc's 340 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 267 |
| Credit reporting, credit repair services, or other personal consumer reports | 45 |
| Credit reporting or other personal consumer reports | 28 |
Concentrated filing states for KLS Financial Services, Inc
Top states by attributed CFPB complaint volume for this company
- Leading state
- NC
- 48.5% of this company's filings
KLS Financial Services, Inc rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 54
- +980% vs 2018
Top States
| State | Complaints |
|---|---|
| NC | 165 |
| MS | 34 |
| TX | 24 |
| TN | 18 |
| GA | 17 |
| SC | 15 |
| AZ | 15 |
| FL | 13 |
| AL | 7 |
| VA | 5 |
| NY | 4 |
| CA | 4 |
| AR | 2 |
| OH | 2 |
| KS | 2 |
| CT | 1 |
| LA | 1 |
| KY | 1 |
| MO | 1 |
| DC | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 126 |
| Written notification about debt | 68 |
| Incorrect information on your report | 38 |
| False statements or representation | 37 |
| Took or threatened to take negative or legal action | 25 |
| Problem with a credit reporting company's investigation into an existing problem | 15 |
| Improper use of your report | 13 |
| Communication tactics | 8 |
| Problem with a company's investigation into an existing problem | 6 |
| Threatened to contact someone or share information improperly | 3 |
| Credit monitoring or identity theft protection services | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 5 | 100% |
| 2019 | 25 | 60% |
| 2020 | 28 | 39.3% |
| 2021 | 44 | 72.7% |
| 2022 | 40 | 50% |
| 2023 | 36 | 36.1% |
| 2024 | 44 | 13.6% |
| 2025 | 64 | 18.8% |
| 2026 | 54 | 7.4% |
Source: CFPB Consumer Complaint Database
KLS Financial Services, Inc filings cluster in one product
KLS Financial Services, Inc's 340 logged complaints stay concentrated: only 25 states show a filing. Only 39.1% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2018 through 2026-06-26.
KLS Financial Services, Inc answers 34.7% of complaints inside the CFPB's tracked window and closes 79.4% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about KLS Financial Services, Inc.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for KLS Financial Services, Inc: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 340.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 34.7%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for KLS Financial Services, Inc (34.7% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration