Kinum Inc is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Kinum Inc?
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.
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Is Kinum a scam?
They’re legit. According to the BBB, Kinum, Inc. is a legitimate collection agency, founded in 2007. The BBB established Kinum’s profile page in 2014.
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.”
Who does Kinum collect for?
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.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against Kinum Inc?
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. 2133 Upton Drive, Ste. 126-129 Virginia Beach, VA 23454-1193 Telephone: (888) 281-1750 Website: https://kinum.com/
Can Kinum Inc Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats 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!
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.
Kinum Inc Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (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).
Can I sue Kinum for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you 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.
“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.”
Can You Help Me Delete Kinum Inc from My Credit Report?
We can absolutely help. Call us today.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.