Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kinum, Inc., Indianapolis, IN Branch
State: NC

Complaint narrative:
I originally " rented '' an instrument for my daughter in the XXXX XXXX. When she switched schools ( she went from XXXX XXXX to XXXXXXXX XXXX which offers band as well ) I was never aware the instrument needed to be returned. Fast forward yes I acknowledged the debt, yes I WAS ATTEMPTING to pay the debt BUT am filing this complaint against Kinum , Inc., located at XXXX XXXX XXXX, XXXX XXXX, Virginia XXXX, VA XXXX, for repeated violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as well as egregious and unprofessional behavior from one of their representatives. 

XXXX. Inaccurate and Invalid Reporting Kinum has reported a collection account to multiple credit bureaus that is : Inaccurate Unverifiable And in some cases, already removed by one bureau, indicating their reporting is unreliable at best. 

Despite providing proof of attempted payment, bank statements, and my settlement offer, Kinum has failed to : Provide a proper receipt or proof of settlement ; Validate the debt ; Acknowledge that unauthorized attempts were made to charge my account ; Remove the collection after failing to validate or properly report the tradeline.

This conduct is in direct violation of the following federal statutes : 15 U.S.C. 1692e Prohibiting false or misleading representations ; 15 U.S.C. 1692f Prohibiting unfair practices ; 15 U.S.C. 1681s-2 Requiring accurate and complete information to be reported to CRAs.

Their continued reportingdespite being unable to validate the debt, provide documentation, or respond appropriatelyis legally baseless and harms my credit unlawfully. 

XXXX. Unprofessional and Hostile Conduct by Kinum Representative I also want to formally report the behavior of a Kinum representative named XXXX XXXX who I spoke to in XX/XX/year>. 

XXXX was hostile, aggressive, and unnecessarily rude throughout our communication. 

I have an audio recording and full transcript of the call, which I am willing to submit upon request. 

He was dismissive, condescending, and unhelpful, clearly lacking in customer service skills and professionalism. 

He raised his voice, spoke over me, and refused to acknowledge facts I presented during our discussion. 

His behavior is consistent with numerous public complaints and poor reviews online about this companys treatment of consumers. 

XXXX XXXX represents the opposite of what a licensed debt collection agent should embody under the FDCPA and under any basic standards of ethical conduct. His approach is intimidating, hostile, and emotionally abusive. 

I urge the CFPB to review their customer service recordings from XXXX to verify this behavior internally. 

XXXX. Relief Requested I am requesting that the CFPB : Investigate Kinum , Inc. for unlawful collection practices ; Instruct Kinum to immediately delete this invalid account from all credit reporting agencies ( particularly XXXX  and XXXX  ) ; Review the recorded call with XXXX XXXX and take appropriate regulatory or disciplinary action ; Hold Kinum accountable for continuing to report unverifiable information and failing to act professionally in consumer communications. 

This company is clearly operating outside the spirit and letter of consumer protection laws. Their lack of validation, reckless reporting, and abusive staff interactions reflect a pattern of disregard for federal regulations. 

Thank you for your time and for continuing to hold these companies accountable. 

Also I've attached the original payment to initiate that I was attempting to handle the debt, all unauthorized attempts made to my account which didn't go through because my card was locked, the amounts vary in which there was NEVER any communication on what payments would be or how frequent they were to come out, and I also attached the 2nd payment made to Kinum even after all the unauthorized attempts. Again, I was never given a receipt for any payment or any payment agreements for the debt. I also have in my possession an encrypted email from XXXX whom I do not trust and wasnt willing to open such a sensitive matter while risking my computer and information I request several times on the recorded phone call for XXXX to provide a non-encrypted email for me to view and he refused.

Company response to consumer: Closed with explanation