What is the most common complaint against Richard H. Kream?

The most common issue consumers report about Richard H. Kream is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 7 complaints filed with the CFPB.

Are complaints against Richard H. Kream increasing or decreasing?

Complaints against Richard H. Kream are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is Richard H. Kream's reputation grade?

Richard H. Kream has a reputation grade of B (score: 66.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Richard H. Kream respond to consumer complaints?

Richard H. Kream has a 71% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Richard H. Kream operate?

Richard H. Kream has received CFPB complaints from consumers in 1 states, with the most complaints from Massachusetts (7 complaints).

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

Richard H. Kream - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

2
Took or threatened to take negative or legal action

2
Communication tactics

1
Disclosure verification of debt

1
Threatened to contact someone or share information improperly

1

Data updated September 2026

CFPB complaint disposition

CCDB record richard-h-kream Richard H. Kream

Grade B · 7 CFPB filings · 71% timely · lead issue: Attempts to collect debt not owed · vol #2878 · compose #1641

VOL 7
GRADE B
12MO 1
STATES 1
TIMELY 71%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #2,878
COMPOSE #1,641

Volume peers

Nearest volume peer: Account Services Inc. (7 complaints)

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

Richard H. Kream's 7 CFPB complaints sit next to Account Services 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

100.0% of Richard H. Kream's CFPB filings land in Massachusetts

High volume does not equal a clean composite: Richard H. Kream is volume #2,878 but composite #1,641, while Massachusetts dominates the geography. Corpus placement method.

Dominant state: Massachusetts 100.0%; 7 of 7 filings · 1 states touched
Spike month: 2025-12 100.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #2,878 volume; #1,641 composite; Cleanest-composite ladder is 1,237 places better than volume

How does Richard H. Kream compare to its peers?

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

Richard H. Kream National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

71%

83%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2025-12 2025-12

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	2
Took or threatened to take negative or legal action	2
Communication tactics	1
Disclosure verification of debt	1
Threatened to contact someone or share information improperly	1

Where do complaints against Richard H. Kream come from?

Richard H. Kream's own per-state count, not a national baseline.

Massachusetts

7

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Richard H. Kream: 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: 7.

4 peers

Know your rights before responding to Richard H. Kream: 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.