What is the most common complaint against Kivell, Rayment and Francis, P.C.?

The most common issue consumers report about Kivell, Rayment and Francis, P.C. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 3 complaints filed with the CFPB.

Are complaints against Kivell, Rayment and Francis, P.C. increasing or decreasing?

Complaints against Kivell, Rayment and Francis, P.C. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Kivell, Rayment and Francis, P.C.'s reputation grade?

Kivell, Rayment and Francis, P.C. has a reputation grade of C (score: 58.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Kivell, Rayment and Francis, P.C. respond to consumer complaints?

Kivell, Rayment and Francis, P.C. has a 67% timely response rate to CFPB complaints. Consumers disputed the company's response in 50% of cases.

In how many states does Kivell, Rayment and Francis, P.C. operate?

Kivell, Rayment and Francis, P.C. has received CFPB complaints from consumers in 2 states, with the most complaints from Oklahoma (2 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Kivell, Rayment and Francis, P.C. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

1
Communication tactics

1
Cont'd attempts collect debt not owed

1

Data updated September 2026

CFPB complaint disposition

CCDB record kivell-rayment-and-francis-pc Kivell, Rayment and Francis, P.C.

Grade C · 3 CFPB filings · 67% timely · lead issue: Attempts to collect debt not owed · vol #3711 · compose #2541

VOL 3
GRADE C
12MO 0
STATES 2
TIMELY 67%
DISPUTE 50%
ISSUE Attempts to collect debt n…
RANK #3,711
COMPOSE #2,541

Volume peers

Nearest volume peer: 950 Credit Inc (3 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Kivell, Rayment and Francis, P.C.'s 3 CFPB complaints sit next to 950 Credit Inc on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

66.7% of Kivell, Rayment and Francis, P.C.'s CFPB filings land in Oklahoma

High volume does not equal a clean composite: Kivell, Rayment and Francis, P.C. is volume #3,711 but composite #2,541, while Oklahoma dominates the geography. Corpus placement method.

Dominant state: Oklahoma 66.7%; 2 of 3 filings · 2 states touched
Spike month: 2025-10 37.5%; 3 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,711 volume; #2,541 composite; Cleanest-composite ladder is 1,170 places better than volume

How does Kivell, Rayment and Francis, P.C. compare to its peers?

How does Kivell, Rayment and Francis, P.C. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Kivell, Rayment and Fr… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

67%

91%

Consumer-dispute ratelower is better

50%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-10 2026-01

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	1
Communication tactics	1
Cont'd attempts collect debt not owed	1

Where do complaints against Kivell, Rayment and Francis, P.C. come from?

Kivell, Rayment and Francis, P.C.'s own per-state count, not a national baseline.

Oklahoma

2
Illinois

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Kivell, Rayment and Francis, P.C.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 3.

4 peers

Know your rights before responding to Kivell, Rayment and Francis, P.C.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.