Consumer complaint received 2019-05-20
Company: KLS Financial Services, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I worked for XXXX University from XX/XX/XXXX - XX/XX/XXXX. I was a salaried part-time employee. If you look at the documents, you will see my end date as XXXX in one place, and in another it is XXXX. XXXX paid me my salary. You can see the attached statement of earnings dated XXXX - XXXX. I was paid monthly. Also, on this same page, you can see where someone has altered a date with a pen. They changed it to read XXXX XXXX is saying I did not work in XXXX and should not have gotten paid. The dates on the earnings adjustment do not match. Also, on the overpayment calculation page, they have I was over paid on XXXX. I did not work at XXXX on XXXX. Look at request for termination page XXXX entered. They wrote they should have entered three but the system would not let them. I did not receive an overpayment from XXXX. If you look at the numbers and dates, they are incorrect. 

Also, I had to quit due to illness. I went on XXXX. XXXX reported the entire amount as my salary to the IRS - {$5000.00}. If I did not earn this why was it reported to the IRS? This amount was too high, and XXXX canceled my check stating I had made to much money. When I asked XXXX to provide XXXX with my beginning and ending date of employment and total earnings, they reported this full amount. They did not say I had an overpayment, or my earnings were less, and I needed to pay them money back. Due to this, my XXXX check was stopped in XXXX when my income was reported. I paid taxes on the money. XXXX is now telling me I owe them back XXXX. In addition, it is on all my credit reports. No one at XXXX would explain it to me. No one will remove it. 
On the one hand, they are telling the IRS and XXXX they paid me the full amount, and on the other hand, they are saying they overpaid me and want their money back. They did not overpay me. They have made mistakes with dates and entered numbers where they should not have. 

I disputed it an I received a letter from KLS Financial Services telling me under 15 U S C 1692g there is no basis in law for me to have any information about the debt and the Federal Trade Commission has stated they do not have to comply with such request. 

It is on my credit reports. I am receiving phone calls and letters for something I do not owe. If I did owe it, why not subtract it from the IRS wages? Why report it to XXXX? You can not tell some people I did not earn it and others I did. This has disrupted my life. I earned the money and paid taxes on it. XXXX found out I worked and earned the money and they stopped my check after verifying it with XXXX. I need it removed from all credit reporting agencies. XXXX did not overpay me. They can not file with the IRS and XXXX telling them I earned the money and then turn it over to collections stating I did not earn the money and they want it back. This is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation