Total CFPB complaints
7
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 7 complaints
Richard H. Kream — Debt Collector Complaint Profile
CFPB complaint profile across 1 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Richard H. Kream
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
2 complaints
- Disclosure verification of debt
Disclosure verification of debt
1 complaints
- Threatened to contact someone or share information improperly
Threatened to contact someone or share information improperly
1 complaints
- Communication tactics
Communication tactics
1 complaints
B
Grade B · 71.0/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Richard H. Kream?
Richard H. Kream has accumulated 7 total CFPB complaints across 1 states, with 2 filed in the most recent 12 months against 5 historical complaints before that window. The trailing-12-month volume represents 28.6% 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 was result of identity theft", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 71% timely-response rate against a 0% 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 1 states, led by Massachusetts with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 71.0/100 places Richard H. Kream in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
2
28.6% of total history
Rising ↑
States active
1
Distinct state filings
Timely response rate
71%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
71.0/100 composite
Response-quality profile
How Richard H. Kream performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 71.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 1.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Richard H. Kream compare to its peers?
Richard H. Kream 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)
2015-11 2026-01
Top Consumer Issues
Attempts to collect debt not owed2 (%)
Took or threatened to take negative or legal action2 (%)
Disclosure verification of debt1 (%)
Threatened to contact someone or share information improperly1 (%)
Communication tactics1 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
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 was result of identity theft | 2 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
| Communication tactics | Threatened to take legal action | 1 |
Where do complaints against Richard H. Kream come from?
The states where consumers have filed the most CFPB complaints against Richard H. Kream. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Richard H. Kream
Across 1 states with at least one filing
- Massachusetts
Massachusetts
7 complaints
Frequently Asked Questions
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 rising. The company received 2 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Richard H. Kream's reputation grade? ▼
Richard H. Kream has a reputation grade of B (score: 71.0/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
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).
What can I do if Richard H. Kream 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 Richard H. Kream 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 |