Kinum, Inc. is a third-party collection agency based in Virginia. Kinum has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including using false or misleading information in an effort to collect a debt and threatening to take actions that cannot legally be taken. If you have been contacted by Kinum, make sure you understand your rights before responding.
- Who is Kinum Inc?
- Is Kinum Inc a Scam?
- Kinum Inc Complaints?
- Can Kinum Inc Sue Me or Garnish My Wages?
- Kinum Inc Lawsuits
- Kinum Inc Calling?
- How Do I Stop Kinum Inc Debt Collection Harassment?
- How Can I Delete Kinum Inc from My Credit Report?
Have questions? Call us now at 844-685-9200 for a Free Case Evaluation.
Our services are absolutely FREE to you.
The harassing company pays our fees.
According to the BBB, Kinum, Inc. was founded in 2007. The BBB established Kinum’s profile page in 2014. Kinum is listed as a collection agency.
According to its website, Kinum uses a “comprehensive approach [that] takes the burden of accounts receivable collection off of your office staff and collects more efficiently with gentle but effective reminders.” Kinum offers a “system that… help[s] clients avoid traditional collections through a better accounts receivable program.”
Kinum uses a two-step process—Connect and Collect. During the Connect phase of collections, Kinum sends out automated calls and letters using proprietary debt management software. Step 1 “includes 3 reminder letters sent at the right intervals [and] 2 phone call reminders, scripted in a friendly manner to maintain customer relationships.” During Step 2, Kinum “connects as a debt collector and applies the right amount of pressure.”
The Collect phase begins with Step 3, when Kinum takes over as a third-party collection agency using a “secure platform… designed to protect your sensitive customer information… [and] the best tools available to recover…money.” Step 4 is the litigation process, during which Kinum “offer[s] personal legal contact and analysis from a nationwide network of attorneys that specialize in collection law.”
Kinum offers collection services to a variety of industries, including professional services; entertainment, hotel, and restaurant service providers; healthcare and medical service providers; telecommunications providers; education lenders; and retail services. Kinum also provides business-to-business commercial collections.
The BBB has closed 8 complaints against Kinum Inc in the past three years, with 1 complaint closed in the past 12 months. The majority of those complaints alleged problems with billing and collections. Since June 2015, the Consumer Financial Protection Bureau (CFPB) has closed 21 complaints against Kinum. Justia lists at least 1 case of civil litigation involving Kinum.
Kinum, Inc. Contact Information
2133 Upton Drive, Ste. 126-129
Virginia Beach, VA 23454-1193
Telephone: (888) 281-1750
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Kinum would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Click 844-685-9200 ☎ NOW to call us or go ahead and fill out our Contact Form. Our services are absolutely FREE to you
Absolutely. Here are some Sample Cases against Kinum, Inc
Complaints against Kinum Inc cite problems resulting from disputes about the accuracy of billing documentation associated with music store rentals and purchases. In December 2017, a complainant indicated that a credit account that Kinum had reported to the credit reporting agencies as delinquent had been paid. Kinum responded to the complainant with a very lengthy and detailed account history, in which they indicated that they had sent a collection letter to a verified address for the complainant. In addition, Kinum indicated they had made several attempts to contact the complainant by phone, all of them unsuccessful. Kinum indicated they reported the account to the credit reporting agencies because they had not received a dispute letter, and because they had not been able to contact the complainant by phone. Kinum also indicated that subsequent to their decision to report the item, the complainant contacted their office, paid the amount owed on the rented musical instrument, and was instructed that “once the instrument was returned to send… proof so that Kinum could update [their] records and that… there would not be any more rental charges accruing from that day on.” Kinum indicated that the complainant complied with their request. However, when the complainant requested that they update their accounting of the delinquency, Kinum claimed they were waiting for confirmation from the original creditor.
The complainant rejected the response, indicating that he had not received the initial letter, nor any of the attempts to contact him subsequently. He also indicated that he had already returned the rental and provided a receipt as instructed. Kinum Inc disputed the allegations in the complainant’s response but agreed to delete the delinquency from the complainant’s credit report due to the delay in the response from the original creditor.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call ? 844-685-9200 NOW.
What Our Clients are Saying
“As we discussed on the phone earlier today, this settlement is perfectly okay to me. I need to thank you and all of your cohorts at Lemberg Law to get a project handled so professionally. Please allow Amy, the first person who contacted me from Lemberg, know how much I appreciate her efforts, kindness, and professionalism.”
“I won’t be afraid to contact you or recommend your services to others for applicable legal issues. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. I’m most grateful. I can not say thank you enough!”
“I received outstanding professionalism from the own staff. I had a horrible experience when trying to solve a debt. 1 debt collector associate said she would speak to the prosecutor’s office and another representative told me that when I called the office back he would call the police and have me arrested. I had been insulted, mocked, and threatened, and feared that the police would appear at my door any given moment.”
“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
We can absolutely help. Call us today.
Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.