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

CFPB complaint data Grade D 593 complaints

Ray Klein, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 39 states, reputation grade D.

Complaints by issue type

What consumers report about Ray Klein, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 56.9/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Ray Klein, Inc. ranks ahead of 31% of the 5,283 collectors PlainCollector grades - 69% keep a cleaner CFPB record, on 593 all-time complaints and a 98% timely-response rate.

31st pct
reputation rank of 5,283 graded collectors
593
CFPB complaints, all-time
98%
answered inside the CFPB window
93
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Ray Klein, Inc.?

Ray Klein, Inc. has accumulated 593 total CFPB complaints across 39 states, with 93 filed in the most recent 12 months against 500 historical complaints before that window. The trailing-12-month volume represents 15.7% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 98% timely-response rate against a 17% consumer-dispute-after-response rate.

Complaints have been recorded across 39 states, led by Oregon with 213 and California with 108. Normalized against the full CFPB collector database, the reputation score of 56.9/100 places Ray Klein, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

593

mid-volume (CCDB)

Last 12 months

93

15.7% of all-time complaints

Falling ↓

States active

39

multi-region footprint

Timely response rate

98%

excellent band

Consumer disputes

17%

average (vertical avg ~19%)

Reputation grade

D

56.9/100 composite

How does Ray Klein, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

57 31st percentile higher than 31% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Ray Klein, Inc. versus the debt-collection vertical average.

Timely response within SLA 98.4%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 17.2%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 69.6%

Share of US states + territories with at least one filed complaint against this collector.

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

How does Ray Klein, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Ray Klein, Inc. National average
Complaints (last 12 mo)lower is better
93
123
268
Timely-response ratehigher is better
98%
100%
91%
Consumer-dispute ratelower is better
17%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-05 2026-03

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Ray Klein, Inc.

Across 39 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Ray Klein, Inc. contacts you

A grade of D signals how Ray Klein, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Ray Klein, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Ray Klein, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 56.9/100), 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).

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

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.