Complaints

This profile includes complaints for KLS Financial Services, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  KLS Financial Services, Inc.

  991 Aviation Pkwy STE 500 Morrisville, NC 27560-8564

  
• 

  KLS Financial Services, Inc.

  PO Box 4003 Cary, NC 27519-4003

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:01/14/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt and I do not have a contract with KLS FINANCIAL SERVICES plus they did not provide me with the original application like I asked.Account No: ****** Amount Disputed: $ 1300

  

  Business Response

  Date: 01/14/2025

  This letter in the complaint is dated January 13th. It has not been received. This account is with *** and has been here since 09/21. The validation period expired 10/26/21. The letter attached references in the first paragraph that the consumer believes they are the original creditor. This is not the case. This is technically unrelated to FDCPA as this is employer equipment that was not turned back upon termination. The agreement for use of the equipment and the return of the equipment is between the employer and the consumer. If the consumer has proof, they would like us to investigate that they returned the equipment, we can advocate on their behalf and would be able to remove the item as resolved/paid. The consumer is aware of the circumstances behind the bill as we spoke with them in 2022. We believe the attached to be a form letter that misleads consumer's that they can send these and complain and any item they are arguing will be removed from credit. Often this may be through a paid service, which some are illegal in **. We are happy to work with the consumer to get this resolved and help them accomplish a long-term solution. We recommend consumer's reach out to us directly and give us a chance to explain their options. 

• Initial Complaint

  Date:11/14/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I paid this bill after receiving a collection letter from KLS Financial for a hospital stay that occurred less than 40 days from the date on the statement. I immediately paid it on line for $188.00 on Oct 21st. Please see screenshot. The payment was never given to the Hospital and I received a bill for $188.00 from the hospital on Nov 5th. I paid that also. Please see screenshot. I want a full refund from *** immediately.

  

  Business Response

  Date: 01/14/2025

  Please let us know if you received the refund. We are unable to refund the monies received by the client on their web portal. The funds received here were remitted to the client and should have initiated a refund through them if you also paid them. If not, we can submit a request to the client for you. 

• Initial Complaint

  Date:07/08/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Grifols Shared Services Bio . I do not have a contract with KLS Financial Services, Inc. They did not provide me with the original contract as I requested.

  Customer Answer

  Date: 07/08/2024

  Good afternoon. KLS Financial Services has not sent a collection letter for me to provide.

  V/R

  ********************

  

  Business Response

  Date: 08/05/2024

  The consumer does not have a direct contract with our company. Our relationship is with ******* as their recovery team. We have everything the consumer needs in support of the item related to Griffols. We will under no obligation to share any agreement between KLS and Griffols. We will mail that out today. 

  Customer Answer

  Date: 08/11/2024

   
  Complaint: 21949466
  
  I am rejecting this response because: KLS has precisely made it clear that I do not have a contract with this company and I demand this item be removed from my credit file.
  
  Sincerely,
  
  ********************

• Initial Complaint

  Date:12/20/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I do not have a contract with KLS financial services who is seeking I pay them a debt for instruments service which is another company I am not familiar with and have not contract.

  

  Business Response

  Date: 12/27/2023

  The consumer did not provide an account number. I would recommend the consumer contact our office to resolve the confusion. We do not have direct contracts with consumers nor is one required. We have agreements with providers and who have provided goods or services to individuals.  We will send him his bill again in the mail and he is welcome to contact our office for any further details. 

  Customer Answer

  Date: 12/31/2023

   
  Complaint: 21032517
  
  I am rejecting this response because:
  
  Sincerely,
  
  *********************

• Initial Complaint

  Date:12/07/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 12/7/23, I received a debt collectors notice from KLS Financial Services for $37.58. I have never received any prior bills for this amount and I am not familiar with this company or account number - ********** notice indicates the debt was acquired between November 26, 2023-November 30, 2023. This has to be a fraudulent bill since I have not received any medical equipment from any company.

  

  Business Response

  Date: 12/18/2023

  Thank you for checking that we are a legitimate BBB accredited company.  We are glad you received our notice, and we will be happy to send you any additional information we have that supports the charges. You can always call our office and speak with someone as well if you do not want to wait for the mail. I hope this eases your concerns. Happy Holidays!

• Initial Complaint

  Date:12/07/2023

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is reporting a collection on my credit report when it is a case off someone using my identity and a case of identity theft when I'm still incarcerated in a federal please delete this off my report I'm sending proof im still BOP custody.....Account ******

  

  Business Response

  Date: 12/27/2023

  We always recommend the consumer use the dispute process through the credit burueas online. These are sent electronically, and we investigate all of these within a very short time frame. The BBB is not really the best method to address this in public. This has been forwarded for investigation and they will update any findings to the CRA's next week. 

  Thanks for your inquiry, 

  KLS

   

  Customer Answer

  Date: 12/27/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:07/20/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I believe my ***** account was sent to collections accidentally. I would like this company to provide proof that my account was not paid in full in 2019. My account was sent to collections in 2021 although I have not been at this organization since 2019. I did not enter any kind of agreement with this collection company regarding this account. If the company is unable to provide proof that I did not pay this amount. I would like them to immediately remove these negative marks from my credit report.

  Customer Answer

  Date: 07/20/2023

  I sent an email to the company which I never heard any response. Then I finally got someone on the phone and it was a credit repair company that was listed in the companys website. I finally got someone from the actual company who said they would address this issue but only if I paid the $26 The people at the credit company were extremely rude and repeatedly threaten to disconnect the phone Call if I did not pay the $26 on the account. I went ahead and payed the amount, but I want to dispute this amount should have ever been on my record. 

  

  Business Response

  Date: 07/31/2023

  The account in our office has been resolved and removed. We are unable to provide the consumer with proof of payment that she paid this to the client, because it would not be here if they had that posted. If it is an accident, we are happy to investigate any proof. The consumer does not have a direct contract with our company, her interaction would have been with the original creditor. I have also reached out to the client to resend the bill. Hope that helps. 

• Initial Complaint

  Date:07/17/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm not liable for this debt with Face ***************** I do not have a contract with KLS Financial Services **** they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 08/03/2023

  The consumer does not have to have a contract with KLS as we are a servicer to the client. The consumer has been sent documentation in support of the bill. We are happy to investigate anything the consumer wishes to provide in support of his statement, such a proof of payment. We are also able to accept payment and work towards getting the account resolved. Once that happens, the good news for all consumers is the credit bureaus do delete all medical paid items. Please feel free to contact our office for further assistance. 

• Initial Complaint

  Date:04/19/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Earlier this year I noticed that KLS Financial Services is reporting to the three main credit bureaus. I am quite confused because I have never conducted business with this company or any of its subsidiaries. This company did not receive my written permission to access my social security number, date of birth, nor credit file number. I sent a debt validation letter to this company but it has refused to send me any verifying documentation. I disputed this account with each credit bureau however KLS via each bureau verified the inaccurate account. Please permanently remove the account from my credit report. While I do not wish to litigate this matter in court I will do whatever is in my legal right to rectify this issue. I am giving this company 30 days to correct this matter.PLEASE NOTE THAT I AM REPORTING THIS COMPANY TO *********** ATTORNEY GENERAL AND THE AUTHORITATIVE AGENCY IN **************!

  

  Business Response

  Date: 04/21/2023

  As a collection agency and business associate of the provider we can have access to information that aides in collecting a bill. As a credit reporting agency, we are obligated to report accurately so it is important to have date of birth or ss to do so. When someone has not paid their bill and the client wants the item to reflect that it is in collections, we will report a collection item to the credit bureaus. The consumer has complained that we have illegally accessed his information. That is not the case. He has claimed something is inaccurate but in no complaint or direct letter to our company has he indicated what is inaccurate. All we can do is confirm the data with our client, confirm the information that comes from the credit bureaus and confirm the balance is still due. When an account is related to a medical bill if a consumer is insured, they can certainly check with their insurance to get more details about what was paid or not paid. This is called an explanation of benefits. These explain what portion the consumer is responsible for verses what the insurance covered on their behalf. If the service is applied to the deductable the consumer receives the benefit of having this applied against the deductable/out of pocket that the Insured has agreed would be their maximum responsibility for that calendar year. It is always good for all consumers to review these explanations. We are always happy to help, investigate or explain a bill. Last year the credit bureaus indicated that all paid medical debt would be deleted. However, if you do not think you owe, give us some details and those items are also deleted if the client made a mistake.

• Initial Complaint

  Date:01/05/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to inform you that KLS Financial Services has refused to respond to my requests for documentation and information regarding a debt they claim I owe. They have also stated that they are not licensed to collect debt in the state of Mississippi, yet the only states that do not require a license for debt collection are Georgia, Kansas, Kentucky, Michigan, Missouri, Montana, New Hampshire, New York, Ohio, Oklahoma, Pennsylvania, South Dakota, Vermont, and Virginia. I am concerned that KLS Financial Services may be operating outside of the law and taking advantage of consumers. I am also alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating accounts. This is currently being investigated by the FTC. Under the laws of the United States, I swear that the information I have provided in this letter is true and correct to the best of my knowledge. I am permitted by federal and state law to file this dispute, and any misstatements in this letter are punishable as perjury under 18 U.S.C 1001 and 18 U.S.C 1621. I request that the CFBP take action to investigate KLS Financial Services and their practices, as well as assist me in obtaining the necessary documentation and information from them.

  

  Business Response

  Date: 01/05/2023

  The attachments the consumer included clearly indicate we have been responsive, helpful and informed the consumer that she has not been provided the correct information regarding collection agency license in Mississippi. We provided the financial document the reflects the policy of our client. We service accounts for our client. We are not debt buyers. We are happy to investigate. 

  Customer Answer

  Date: 01/06/2023

  
  Complaint: ********
  
  I am rejecting this response because:
  This is not true. There were no documents sent that says I ******* ***** owe KLS Financial Services any amount. I didn't give them permission to create an account, and I've also provided several laws that weren't being followed so there will be no more contacting of any sort we'll just have to take this to the supreme court. I thank you for the responses though they were little help. 
  Sincerely,
  
  ******* *****

  

  Business Response

  Date: 01/10/2023

  KLS does not require the consumer's permission to credit report the delinquency on behalf of the client. The consumer is asking us to send her a document that says she agrees to going to collection and authorized us to report this to the credit bureaus. I am sorry but this does not make sense. The creditor hires us. The consumer was making payments thru our office. Clearly, we are confused as to why suddenly this is not her. We are happy to investigate.