2026 data Public-data reference. official source

Ray Klein, Inc.

A federal complaint-record lookup, not a rating from us.

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Debt Collector, CFPB Complaint Profile Specializes in: Medical debt

CFPB collection forwarding receipt

Forwarded record DC-RAY-KLEIN-INC Ray Klein, Inc.

557 DC complaints · rank #165/656 · 98.5% timely

  • DC 557
  • RANK #165/656
  • TIMELY 98.5%
  • RELIEF 8.1%
  • DISPUTE 17.2%
  • STATES 37
  • ISSUE Attempts to collect debt no…
  • RESP Closed with explanation
  • PHOTO Optio Solutions, LLC

Volume peers

Photo peer: Optio Solutions, LLC (554)

Optio Solutions, LLC554ResidentCollect, Inc.567Crown Asset Management, LLC,…542Ray Klein, Inc. (this)557
Debt-collection complaint volume neighbourhood (this collector + nearest volume peers)

Ray Klein, Inc.'s 557 debt-collection complaints sit next to Optio Solutions, LLC (554) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for Ray Klein, Inc. →

Debt Collection Complaint Breakdown

Medical debt 192
Other debt 107
I do not know 91
Medical 85
Other (i.e. phone, health club, etc.) 63
Telecommunications debt 9
Credit card debt 5
Credit card 3
Auto 1
Auto debt 1

Top Complaint Issues

1.Attempts to collect debt not owed 177
2.Written notification about debt 100
3.Cont'd attempts collect debt not owed 83
4.False statements or representation 73
5.Took or threatened to take negative or legal action 41
6.Disclosure verification of debt 33
7.Communication tactics 28
8.Incorrect information on your report 22
9.Taking/threatening an illegal action 9
10.Improper contact or sharing of info 8

Company Responses

Closed with explanation 473
Closed 80
Closed with non-monetary relief 47
Closed with monetary relief 2
Consumers who disputed the response 17.2%

Complaints by Year

Year Complaints
2013 15
2014 40
2015 59
2016 48
2017 48
2018 44
2019 50
2020 32
2021 21
2022 23
2023 51
2024 71
2025 85
2026 15

Complaints by State (Top 15)

Oregon 214
California 117
Washington 68
Arizona 25
Florida 21
Texas 20
New York 11
North Carolina 10
Ohio 9
Pennsylvania 8
Nevada 8
Georgia 8
Tennessee 6
Alabama 6
South Carolina 5

What the CFPB Record Shows for Ray Klein, Inc.

PlainCredit places Ray Klein, Inc. at #165 of 656 debt collectors by CFPB debt-collection complaint volume (75th percentile), matching the Collectors directory ranking. 557 debt-collection complaints against Ray Klein, Inc. appear in the CFPB record - 92.5% of the 602 complaints filed about this entity. The 37 states and territories represented make this a multi-state operation by complaint volume. The most common debt type behind these complaints is "Medical debt," which is the category consumers most often describe when they file a CFPB report about this collector. The specific issue named most is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction with this collector.

98.5% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That is at or above benchmark levels, pointing to an intake process working as intended. Of resolved cases, 8.1% closed with monetary or non-monetary relief to the consumer, which is a notably low relief ratio and worth weighing against the disputed-response percentage. The response was formally disputed in 17.2% of resolved cases, indicating how frequently the initial fix fell short.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.

Full complaint profile for Ray Klein, Inc. → · All debt collectors →

Nationwide collectors with similar complaint volume or dispute rates

Two CFPB peer sets for Ray Klein, Inc.: nearest debt collectors by debt-collection complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the volume strip on the forwarding receipt above.

Similar complaint volume

Nearest collectors by debt-collection complaint count (557 here).

Optio Solutions, LLC 554 ResidentCollect, Inc. 567 Crown Asset Management, LLC, Duluth, GA Branch 542 Strategic Alliances, Inc. 539

Similar dispute rates

Nearest collectors by share of complaints marked disputed (17.2% here).

Linebarger Goggan Blair & Sampson LLP 17.1% Senex Services Corp. 17.1% Phillips & Cohen Associates, Ltd. 17.3% Adler Wallach & Associates, Inc. 17.4%

Frequently asked questions

How many CFPB debt-collection complaints does Ray Klein, Inc. have?

557 debt-collection complaints name Ray Klein, Inc. in this CFPB extract - corpus rank #165/656.

Does Ray Klein, Inc. respond to CFPB complaints on time?

Ray Klein, Inc.'s timely response rate on CFPB complaints is 98.5%.

What issue do consumers cite most about Ray Klein, Inc.?

Consumers most often name "Attempts to collect debt not owed" when complaining about Ray Klein, Inc..

How should I read Ray Klein, Inc.'s CFPB complaint record?

Treat the counts as a public complaint record, not a credit score or legal finding. Pair this page with PlainCredit guides on debt-collection rights and how to file a CFPB complaint if you have an active dispute.

Related guides: Debt collection rights · How to file a CFPB complaint · Reading CFPB complaint data

Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.

Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.

Read our methodology - how this data is sourced, computed, and verified.