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:12/09/2022

  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.

  A collections account was added to my credit report. I am not liable for this debt with KLS financial Services. They did not provide me with the proof of debt like I had requested. I demand this account be deleted from my credit report.

  

  Business Response

  Date: 12/27/2022

  The consumer was sent several statements to the address on file. The consumer did not respond to a notification that advises him of his rights to dispute within 30 days and to request documents etc. which expired sometime late September. The mailing address for all notices is the same as listed on the complaint. We attempted several notices prior to credit reporting with no dispute initiated or response. The consumer did initiate a dispute through the credit bureaus which requires us to investigate which we did, and the client had confirmed the data and balance. We requested the consumer receive another bill. The mail delivery notification has indicated the mail was delivered. Perhaps he is confused because the item is for a minor? We are always happy to clear up any confusion and certainly attempted to contact the consumer and he has not returned any messages. In an effort to help further, we will send another bill.  The file is marked as disputed. If we could speak with the consumer, it may be possible to expedite his request for this to be removed. In the meantime, since the only dispute received was through the credit bureaus it should be suppressed by them while we reinitiate another bill to go to his address. Because the consumer believes someone else is liable, knowing why and how we can help also expedites the matter. We are here to expedite resolution between our client and the consumer and are always happy to help. I would encourage the consumer to reach out to our office directly. 

• Initial Complaint

  Date:10/27/2022

  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 8/3/22, I sent a dispute letter to a collection company: KLS Financial Services requesting they validate an alleged debt in the amount of $147.50. KLS Financial Services did not provide any proof that I owed this debt or that they are legally authorized to collect this debt. The collection agency provided a screenshot of an accounts receivable summary with a name of a physician I’ve never seen and no evidence of validation and/or my obligation to pay this debt to this collection agency. The company did not provide any documentation with my signature clearly showing that I agreed to any medical service or to pay the amount of the alleged debt in accordance to a medical service.
  
  I am quite familiar with US code 15 USC 1692e which clearly states that it is a violation of my rights for a collection company to use any false, deceptive, or misleading representation in connection with the collection of any debt.

  

  Business Response

  Date: 11/14/2022

  In response, KLS responded to the consumer's request for validation even though the initial validation was in February of 2020. I do not see a DIRECT dispute received at any time until October. I have attached this for the BBB as it seemed quite aggressive. We did update the address. 

  In reading through the lines, it appears that you want more proof than the break-down of charges for what appears to be a dependent. That has been mailed to you. Hopefully that will help. If there is something more, we can investigate for you we are happy to do so. 

• Initial Complaint

  Date:09/20/2022

  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.

  KLS sent me a letter and I contacted them to dispute the validity. The initial representative was rude & the supervisor. They advised me this would still be reported to my credit report although I dispute the d it & have not been provided proof. The initial representative said it would report to my credit report in 2-3 days. I also spoke to Ms ****** that advised me the balance was incorrect, instead of $1500 it should’ve been $3000, a client error. I have been lied to when requesting a supervisor, she told me the owner is her immediate superior. She also refused arrangements demanding my account information and same day payments. This harassment is illegal. A consumer shouldn’t be lied to for personal gain by a bill collector. I also advised I never received any communication from the employer who did not train me for the position. All of their trainers quit or refused to train me, ******* Corporate office was well aware of the problem. KLS Finanacial offered an arrangement but told me today the hold on my account can’t be extended but I can give them my account information for the 29th of the month. This is inaccurate information. I am being bullied.

  

  Business Response

  Date: 09/20/2022

  I am sorry you are frustrated. It sounds like there is some dispute with your former employer that unfortunately we are unable to fix for you. It looks like it was relayed to you that the account has been sent to us with a balance that may be less than it should be, and we did not demand more as you imply in your complaint. However we are reaching out to the client to get documentation since you have implied now in this complaint that you want proof and we are happy to provide you this, from my understanding you didn't ask or send in writing any request for this. Unfortunately, if they discover that the balance should be more, it will be adjusted and we will reflect that in the cover letter we send to you. This is what Ms. ****** was trying to explain.  It has been marked as disputed because you do not agree. I reviewed the many times you contacted our office and hung up on different people. It isn't harassment to answer your calls.  We will review the calls to see if there is anything we could do to improve. There is always room for improvement. I am certain we could have deescalated your frustration.  While you believe a representative lied, two of the representatives are direct reports to the owner, so you definitely had two that could help you. In reading through your complaint, it sounds like you you do want to resolve this.  You can do that, however, a check is in the mail does not stop items that are slated for credit reporting. When we explain this to anyone, it is so they don't delay in sending a payment and are perhaps blind-sided if it credit reports before they get around to it. A check is in the mail, does not hold an account, I am sure you can understand why. It is to protect not to bully. I am sorry you felt bullied, as that is never the intention. If you want we can email those documents to you, just let us know. Happy to help. 

  

  Business Response

  Date: 10/19/2022

  I am sorry that she believes asking to repay and overpayment is being bullied. Her dispute was marked on the file, and documents were sent after her first conversation to provide her with information related to the item sent to our office for collection. She should have this by now and hopefully has had an opportunity to review the information. Her above statements indicate she is aware of the overpayment but has a dispute with the company who overpaid her related to training. That isn't a dispute with collections. This is an employment dispute unrelated to the overpayment she received. It appears KLS becomes the bully because the delivery of the message was advanced to our office when the client was not reimbursed. We certainly are open to assist and investigate any information or bills that the consumer may believe have an error. We are not an agency that refuses to send validation or verbally provide such as well. The item was held from credit reporting for another 30 days allowing the consumer to receive the information again that had been provided previously from the employer.  

  Customer Answer

  Date: 10/19/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: the company will not take responsibility for bullying. In addition, they did not provide information pertaining to the representative that advised me the balance was incorrect. You can’t report a debt to my report KNOWING the balance is inaccurate. This agency is bullying when a consumer offers a payment and the collection agency refuses payments by mail and/or post dated payments over the phone, demanding that the consumer pay with a credit card in full. The representative refused a post dated payment at the end of the month of September. She demanded a payment the same day and refused all others, while offering this arrangement to prevent the account being reported to my credit report. Their response does not offer a resolution. 
  
  
  
  Sincerely,
  
  
  
  ****** *******

• Initial Complaint

  Date:08/26/2022

  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.

  This company is not properly verifying my information. I've disputed this issue and company has failed to provide
  Validation of Debt and HIPPA Authorization.
  
  - Breakdown of fees including any collection costs and medical charges
  - Copy of my signature with the provider of service to release my medical information to you
  
  I've also requested for the company to cease any credit bureau reporting until debt has been validated by me.

  

  Business Response

  Date: 09/12/2022

  We apologize that the consumer is unhappy with the information that has been provided. This account is quite old and the data as provided that he wishes a response to is duplicitous. We have responded with the data validation and verification that breaks down the charges, on multiple occasions. This is not something we are obligated to continue to respond to without some new information reason to investigate. If the consumer has something they wish for us to investigate, such as balance has changed (pmt was made) we certainly investigate every issue.  Based on mail, it appears the consume had a CRO assisting and we are not sure this complaint has been initiated by the consumer. We have responded directly to the consumer's mailing address. The file has been marked disputed. 

• Initial Complaint

  Date:08/08/2022

  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 checked my credit report and noticed I had a collection from KLS FINANCIAL SERVICES that was opened in 04/19/2022 for $872.00 with account number starting in ******XXXX that I do not recall and am not liable for. I never entered into a signed agreement or completed an original contract with them. This is fraudulent and a violation of my rights. This inaccurate collection is not mine. If you believe this account is mine, prove the validity.
  
  I would like all collection activity to cease immediately and for this inaccurate and fraudulent collection to be removed from my credit report or I will file for litigation and report you to the CFPB and FTC.

  

  Business Response

  Date: 08/08/2022

  The consumer is correct. There is no contract with us as a collection agency and the consumer. The agreement is with her provider that she would pay them, and the provider has the right to send the bill to a third party to collect if the consumer has not resolved the account. It is in our office for that reason. The consumer doesn't have to sign anything to authorize that to happen. We credit report on behalf of the client and are accurately reflecting the balance due. Notices have been sent to the consumer and we have spoken to her. We are happy to help with any questions she has and help resolve those. Simply refusing to pay does not reach a solution that removes it from credit reporting. If the consumer wishes to contact us with more information we will investigate that for her. In the meantime we will also send another itemized bill to her home address. 

  Thanks You. 

  Customer Answer

  Date: 08/10/2022

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