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Data / Consumer complaints / Ray Klein, Inc.

Ray Klein, Inc.: 245 CFPB consumer complaints in the last 3 years

Ray Klein, Inc. drew 245 consumer complaints in the CFPB database in the three years to November 6, 2026, and 672 since 2013. The largest group, 222, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 109. The company responded on time to 93.9% of the complaints, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every debt collection companyGet debt collection in Oregon
  • 245Complaints, last 3 years
  • 672Complaints, all years
  • 93.9%Responded on time
  • 0.0%Closed with relief
  • 3Products
  • Oct 23, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 685
202585
202471
202351
202223
202121
202032
201950
201844
201748
201648
201559
201440
201315

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Debt collection22290.6%
Credit reporting or other personal consumer reports197.8%
Debt or credit management41.6%

Issues

IssueComplaintsShare
Attempts to collect debt not owed10944.5%
Written notification about debt5522.4%
False statements or representation2711%
Took or threatened to take negative or legal action145.7%
Incorrect information on your report104.1%
Communication tactics93.7%
Electronic communications52%
Improper use of your report52%
Problem with a company's investigation into an existing problem41.6%
Threatened to contact someone or share information improperly31.2%
Problem with customer service20.8%
Charged upfront or unexpected fees10.4%
Unauthorized withdrawals or charges10.4%

How the company responded

Company responseComplaintsShare
Closed with explanation24399.2%
In progress20.8%

States

StateComplaintsShare
Oregon5924.1%
California5321.6%
Washington197.8%
Arizona166.5%
Florida145.7%
New York93.7%
Pennsylvania83.3%
Ohio62.4%
Indiana52%
North Carolina52%
Georgia41.6%
Illinois41.6%
Massachusetts41.6%
Delaware31.2%
Maryland31.2%
Missouri31.2%
Texas31.2%
Alaska20.8%
Alabama20.8%
Colorado20.8%
Idaho20.8%
Kansas20.8%
Oklahoma20.8%
Tennessee20.8%
Virginia20.8%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 23, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 15, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 7, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 29, 2026Debt collectionWritten notification about debtIn progressconsumerfinance.gov
September 23, 2026Debt collectionFalse statements or representationIn progressconsumerfinance.gov
September 22, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 10, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 9, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 3, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
August 31, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 31, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 25, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
August 20, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 18, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 13, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
August 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 2, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
July 26, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 26, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 24, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 20, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 19, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
July 16, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 15, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 11, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 8, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
July 7, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 7, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 7, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
July 1, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 30, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 23, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
June 23, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
June 23, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 19, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 11, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 9, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 3, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 2, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
May 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 19, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 6, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 5, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
May 5, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
April 30, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 28, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
April 25, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 24, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 23, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
April 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.