CFPB Consumer Complaint Profile
Ray Klein, Inc.
Behind the 602 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 602
- Total complaints
- Above average
- 81
- Last 12 months
- 98.5%
- Timely response
- Above median
- 37
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Ray Klein, Inc. sits at #455, with 602 complaints logged. On-time replies land at 98.5%, the 54th percentile for the 100+ complaint peer group.
- #455
- of 3,843 companies by volume
- 98.5%
- on time (54th pctile)
- Debt collection
- most-complained product
- 37
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Ray Klein, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.5% Higher than most higher than 54% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 71 in 2024 to 85 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
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 |
| 2026year in progress | 15 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Ray Klein, Inc.
602 complaints against Ray Klein, Inc. appear in the CFPB record, including 81 from the trailing year. The 37 states and territories represented put this footprint in multi-regional territory. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Ray Klein, Inc. draw a 98.5% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response carried a 17.2% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 8.1% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Ray Klein, Inc. have?
Ray Klein, Inc. has 602 total consumer complaints filed with the CFPB, with 81 filed in the last 12 months.
Does Ray Klein, Inc. respond to complaints on time?
Ray Klein, Inc. has a 98.5% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Ray Klein, Inc.?
The most complained-about product for Ray Klein, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Ray Klein, Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Ray Klein, Inc. - see all issues and counts above.
How do I file a complaint against Ray Klein, Inc.?
You can file a complaint against Ray Klein, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Ray Klein, Inc.?
The CFPB has recorded complaints against Ray Klein, Inc. from 37 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Ray Klein, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (17.2% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.