|
4593692
|
2021-08-02
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
No
|
| Company |
KLS Financial Services, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Other debt
|
| Date Received |
2021-08-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-08-02
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
kLS financial never sent me written notification that a fraudulent charge ( reported to XXXX by me fall XXXX ) was going into collections. Spoke with KLS XX/XX/XXXX explaining charge was fraudulent and wellsfargo disputed it and account was closed. KLS did notify in writing that the charge for XXXX $ was going into collections XXXX XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5166707
|
2022-01-31
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
KLS Financial Services, Inc
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-01-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-31
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9073232
|
2024-05-22
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
No
|
| Company |
KLS Financial Services, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
I do not know
|
| Date Received |
2024-05-22
|
| Submitted Via |
Web
|
| Company Response |
Untimely response
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-22
|
| Complaint What Happened |
I have a collection account listed on my credit reports by a debt Collection Agency, KLS FINANCIAL SERVICES, collecting on behalf of XXXX XXXX XXXX XXXX XXXX KLS FINANCIAL SERVICES, is not licensed to collect in the state of Florida and therefore I am disputing this collection account. Their license expired in XX/XX/year>.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3525000
|
2020-02-08
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
KLS Financial Services, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt was already discharged in bankruptcy and is no longer owed
|
| Sub Product |
Other debt
|
| Date Received |
2020-02-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-02-08
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Complaint What Happened |
In XX/XX/XXXX, I received a collection letter from KLS Financial Services , Inc. regarding and alleged debt of {$300.00} to XXXX XXXX XXXX XXXX XXXX XXXX.
I immediately disputed the debt in writing, because I have not had a relationship with XXXX XXXX XXXX since XX/XX/XXXX, over 10 years ago.
KLS responded that they were not obligated to provide any information regarding the debt, only the original creditor and the amount. This is in total violation of the Fair Debt Collection Practices Act.
In addition, KLS has been informed that I filed for Chapter XXXX bankruptcy in XX/XX/XXXX, a year after my relationship with XXXXXXXX XXXX XXXX had ended.
KLS not only refused to provide proper verification of the debt, but they are reporting to the credit bureaus as a new debt incurred in XX/XX/XXXX.
Even if the debt was valid, it's over 10 years old and uncollectible under the statute of limitations of any state.
KLS is using illegal collection tactics to scam people into paying old debts.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3220640
|
2019-04-23
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
KLS Financial Services, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2019-04-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-04-23
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7370154
|
2023-08-08
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
KLS Financial Services, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2023-08-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-08
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On XX/XX/2023 I received a text stating : " Hi, you will now receive texts from KLS Financial Services ( a Debt Collector ) about your {$2700.00} unpaid balance with XXXX XXXX XXXX? 's call XXXX. Pmts and Info : sclk.me.PayKLS. Account XXXX '' This was not my debt. The debt belongs to an adult family member. I believe this is a deceitful email attempting to collect a debt that does not belong to me yet you email me it is " Your '' debt.
|
| Consumer Consent Provided |
Consent provided
|
|
