What is the most common complaint against Ray Klein, Inc.?

The most common issue consumers report about Ray Klein, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 593 complaints filed with the CFPB.

Are complaints against Ray Klein, Inc. increasing or decreasing?

Complaints against Ray Klein, Inc. are falling. The company received 93 complaints in the last 12 months, showing improvement over prior periods.

What is Ray Klein, Inc.'s reputation grade?

Ray Klein, Inc. has a reputation grade of D (score: 53.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Ray Klein, Inc. respond to consumer complaints?

Ray Klein, Inc. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.

In how many states does Ray Klein, Inc. operate?

Ray Klein, Inc. has received CFPB complaints from consumers in 39 states, with the most complaints from Oregon (213 complaints).

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

Ray Klein, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 39 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

196
Written notification about debt

107
Cont'd attempts collect debt not owed

83
False statements or representation

80
Took or threatened to take negative or legal action

42
Disclosure verification of debt

33

Data updated September 2026

CFPB complaint disposition

CCDB record ray-klein-inc Ray Klein, Inc.

Grade D · 593 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #238 · compose #3636

VOL 593
GRADE D
12MO 93
STATES 39
TIMELY 98%
DISPUTE 17%
ISSUE Attempts to collect debt n…
RANK #238
COMPOSE #3,636

Volume peers

Nearest volume peer: Fiserv Finxact Core (593 complaints)

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

Ray Klein, Inc.'s 593 CFPB complaints sit next to Fiserv Finxact Core 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

35.9% of Ray Klein, Inc.'s CFPB filings land in Oregon

High volume does not equal a clean composite: Ray Klein, Inc. is volume #238 but composite #3,636, while Oregon dominates the geography. Corpus placement method.

Dominant state: Oregon 35.9%; 213 of 593 filings · 39 states touched
Seasonal peak: 2026-01 9.7%; 8–15% band · 40 filings
Divergent corpus ranks: #238 volume; #3,636 composite; Cleanest-composite ladder is 3,398 places worse than volume

How does Ray Klein, Inc. compare to its peers?

How does Ray Klein, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Ray Klein, Inc. National average

Complaints (last 12 mo)lower is better

123

268

Timely-response ratehigher is better

98%

100%

91%

Consumer-dispute ratelower is better

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-05 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	196
Written notification about debt	107
Cont'd attempts collect debt not owed	83
False statements or representation	80
Took or threatened to take negative or legal action	42
Disclosure verification of debt	33
Communication tactics	29
Taking/threatening an illegal action	9
Improper contact or sharing of info	8
Threatened to contact someone or share information improperly	3

Where do complaints against Ray Klein, Inc. come from?

Ray Klein, Inc.'s own per-state count, not a national baseline.

Oregon

213
California

108
Washington

71
Arizona

22
Florida

20
Texas

19
New York

13
North Carolina

10

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Ray Klein, Inc.: 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: 593.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.3957219251337%.

4 peers

Know your rights before responding to Ray Klein, Inc.: 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.