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 2026-05-15
- 602
- Total complaints
- 81
- Last 12 months
- 98.5%
- Timely response
- 37
- States affected
The verdict
Among 3,848 financial companies tracked by CFPB complaint volume, Ray Klein, Inc. sits at #456, with 602 complaints logged. 98.5% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.
- #456
- of 3,848 companies by volume
- 98.5%
- answered on time
- Debt collection
- most-complained product
- 37
- states with complaints
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 |
| 2026 | 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.
98.5% of CFPB-forwarded complaints against Ray Klein, Inc. get a reply 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 was formally disputed in 17.2% of resolved cases, indicating how frequently the initial fix fell short. Of complaints that were resolved, 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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~602)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.