Total CFPB complaints
561
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 561 complaints
Ray Klein, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 37 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Ray Klein, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
171 complaints
- Written notification about debt
Written notification about debt
93 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
77 complaints
- False statements or representation 67
False statements or representation
67 complaints
- Disclosure verification of debt 18
Disclosure verification of debt
18 complaints
- Took or threatened to take negative or legal action 14
Took or threatened to take negative or legal action
14 complaints
D
Grade D · 56.9/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Ray Klein, Inc.?
Ray Klein, Inc. has accumulated 561 total CFPB complaints across 37 states, with 76 filed in the most recent 12 months against 485 historical complaints before that window. The trailing-12-month volume represents 13.5% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 17% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 37 states, led by Oregon with 210 and California with 103, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.9/100 places Ray Klein, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
76
13.5% of total history
Rising ↑
States active
37
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
D
56.9/100 composite
Response-quality profile
How Ray Klein, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 34.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 66.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Ray Klein, Inc. compare to its peers?
Ray Klein, Inc. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-03 2026-03
Top Consumer Issues
Attempts to collect debt not owed171 (%)
False statements or representation67 (%)
Written notification about debt93 (%)
Cont'd attempts collect debt not owed77 (%)
Disclosure verification of debt18 (%)
Took or threatened to take negative or legal action14 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 82 |
| Attempts to collect debt not owed | Debt was paid | 69 |
| False statements or representation | Attempted to collect wrong amount | 67 |
| Written notification about debt | Didn't receive enough information to verify debt | 60 |
| Cont'd attempts collect debt not owed | Debt is not mine | 40 |
| Cont'd attempts collect debt not owed | Debt was paid | 37 |
| Written notification about debt | Didn't receive notice of right to dispute | 33 |
| Attempts to collect debt not owed | Debt was result of identity theft | 20 |
| Disclosure verification of debt | Not given enough info to verify debt | 18 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 14 |
Where do complaints against Ray Klein, Inc. come from?
The states where consumers have filed the most CFPB complaints against Ray Klein, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Ray Klein, Inc.
Across 37 states with at least one filing
- Oregon
Oregon
210 complaints
- California
California
103 complaints
- Washington 66
Washington
66 complaints
- Arizona 21
Arizona
21 complaints
- Texas 19
Texas
19 complaints
- Florida 18
Florida
18 complaints
- New York 10
New York
10 complaints
- North Carolina 10
North Carolina
10 complaints
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 561 complaints filed with the CFPB.
Are complaints against Ray Klein, Inc. increasing or decreasing? ▼
Complaints against Ray Klein, Inc. are rising. The company received 76 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Ray Klein, Inc.'s reputation grade? ▼
Ray Klein, Inc. has a reputation grade of D (score: 56.9/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 37 states, with the most complaints from Oregon (210 complaints).
What can I do if Ray Klein, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Ray Klein, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |