Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KLS Financial Services, Inc
State: MS

Complaint narrative:
My name is XXXX XXXX and I am writing in response to the recent communication received from your agency regarding an alleged debt. This letter serves as a formal debt validation request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am exercising my rights under the FDCPA to request the following information : 1. Validation of the Debt : Please provide detailed documentation verifying the validity of the alleged debt, including the original creditor 's name, the account number, the date of the last payment, the original balance, and a complete payment history. I also request copies of any agreements or contracts pertaining to the alleged debt. 2. Cease and Desist Communication : Pursuant to 15 U.S.C. 1692c, I am requesting that you cease all communication with me in relation to this debt, except as specifically allowed under the FDCPA. This includes communication through telephone calls, letters, emails, or any other medium. According to 15 U.S.C. 1692a ( 2 ), communication includes the conveying of information regarding a debt directly or indirectly to any person through any medium, including the reporting of information to a credit reporting agency. Therefore, I specifically request that you cease all communication through the medium of my credit report. 3. Licensing Information : I request that you provide documentation establishing that your agency is licensed to collect debt in my state. Please include a copy of your current license or registration, as required by applicable laws and regulations. Additionally, I request information regarding your agency 's license to collect debt in your state. Please provide documentation demonstrating that your agency is duly licensed to operate as a debt collector in your state. 4. Errors and Omissions Insurance : As a professional debt collection agency, I request that you provide your agency 's errors and omissions insurance information. Please provide the name of your insurance provider, the policy number, and any other relevant details. 5. Bill of Assignment : I request that you provide a complete and valid bill of assignment or sale, demonstrating that the alleged debt was legally assigned or transferred to your agency. This document should include the name and contact information of the original creditor, the date of assignment, and any accompanying documentation supporting the transfer of ownership. Please note that failure to provide the requested information within [ 30 days or a reasonable time frame according to local laws ] from the date of receipt of this letter will result in the presumption that the debt is invalid and unenforceable. Furthermore, any continued attempts to collect this debt without providing the requested validation will be considered a violation of the FDCPA. I request that all future communication regarding this debt be conducted in writing and sent to the address provided above. This is to ensure accurate record-keeping and to protect my rights under the FDCPA. Thank you for your prompt attention to this matter. I expect your cooperation in providing the requested documentation within the designated time frame. Please be advised that any further contact that does not comply with the FDCPA after receipt of this letter will be reported to the appropriate authorities and subject to litigation without further notice

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