Kinum: Who They Are and Your Rights

Type

Collection agency

Also known as

Kinum, Inc.; Kinum, Inc., Indianapolis, IN Branch

Collects

college and school balances, medical bills, dental bills, public-sector and utility bills, hospitality and service bills, professional-services bills

Phone numbers it lists

(888) 471-0280

Website

kinum.com

331 debt collection complaints were sent to the Consumer Financial Protection Bureau about Kinum, Inc., Indianapolis, IN Branch from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Kinum?

Kinum, Inc. is a debt collection agency that says its founders started it in 2012 after working at large national agencies. The company says its name joins "Kin" (family) and "Num" (numbers). Its contact page lists two offices: a Midwest office at 8200 Haverstick Road in Indianapolis, Indiana, and an East Coast office in Virginia Beach, Virginia. The CFPB complaint database lists complaints under "Kinum, Inc., Indianapolis, IN Branch." Kinum's site shows a Nevada collection agency license (NMLS #1011841).

Why Kinum May Be Contacting You

Kinum's listed clients are mainly organizations that bill people for services. Its website lists higher education, healthcare, public sector and utilities, hospitality and service, dental, business-to-business, and professional services. It describes a two-phase system: an early "Connect" phase of first-party outreach, and then third-party collection on accounts that remain unpaid. So you might first hear from Kinum on behalf of the business, and later from Kinum as a collection agency.

A Kinum call or letter is most likely about a dental or doctor's bill, a balance owed to a college or training school, a local utility or government charge, or a bill from a professional or service business. Kinum's site tells consumers who got a call or letter to call (888) 471-0280.

How to Check a Debt Kinum Says You Owe

Smaller creditors like dental offices and schools often have their own billing records that are easy to request, so use them.

• Get the validation notice. Once Kinum is collecting as a third party, it must send a notice that names the creditor and itemizes the balance from an itemization date (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). See what a validation notice must include.
• Dispute in writing within the validation period if you don't recognize the bill or think it's wrong. Kinum must stop collecting until it mails verification.
• Ask the provider for its ledger. For dental and medical bills, check whether insurance was billed and whether a payment you made to the office was credited. For a school, ask the bursar for your student account history.
• Use Texas's itemized-bill rule for medical bills from a Texas health care facility, which may not pursue collection until it sends an itemized bill (Tex. Health & Safety Code ch. 185).
• Check the age of the bill. Texas generally allows four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debts (Tex. Fin. Code § 392.307). Other states differ, and government charges may follow their own rules.

What Kinum Can and Can't Do

When Kinum collects in its own name for its clients, it is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)).

• It may not report a medical or dental bill to a credit bureau before communicating with you about it (12 C.F.R. § 1006.30(a)).
• It may not add interest or collection fees unless your agreement with the provider or the law permits them (15 U.S.C. § 1692f(1)).
• It may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)). See how many times a collector can call.
• It may not call you at work if it knows your employer doesn't allow it (15 U.S.C. § 1692c(a)(3)).
• It may not threaten wage garnishment for an ordinary consumer bill in Texas, where that isn't allowed (Tex. Const. art. XVI, § 28).

If a Kinum collection crossed these lines, see our Texas FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Kinum or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Kinum: home page (industries served)
• Kinum: About
• Kinum: Contact (offices, phone, licensing)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Kinum, Inc., Indianapolis, IN Branch, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Kinum has violated any law. Company details change; tell us if something here is out of date.