CFPB · Single-product concentration
Ray Klein, Inc.
642 CFPB complaints · 92.7% in "Debt collection" · top issue Attempts to collect debt not owed.
Ray Klein, Inc.: 92.7% of 642 CFPB complaints sit in "Debt collection". Timely 98.6% · relief 7.6%. Allegations, not findings.
- Single-product concentration
- +266.7% filings 2013 to 2026
CFPB relief outcome brief
CCDB company ray-klein-inc
7.6% relief · 98.6% timely · 642 filings · Debt collection
Same-product relief peers
Nearest relief peer: Zwicker & Associates (7.5% relief)
Ray Klein, Inc. closes 7.6% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Ray Klein, Inc.'s 642 filings include narrative text
40.8% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Ray Klein, Inc. complaint mix by product
- Debt collection 595 92.7% – 8% relief
- Credit reporting, 20 3.1% – 5% relief
- Credit reporting 17 2.6% – 0% relief
- Credit reporting 6 0.9% – 50% relief
- Debt or 4 0.6% – 0% relief
How Ray Klein, Inc.'s 642 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 595 |
| Credit reporting, credit repair services, or other personal consumer reports | 20 |
| Credit reporting or other personal consumer reports | 17 |
| Credit reporting | 6 |
| Debt or credit management | 4 |
Where Ray Klein, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- OR
- 34.1% of this company's filings
Ray Klein, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 55
- +266.7% vs 2013
Top States
| State | Complaints |
|---|---|
| OR | 219 |
| CA | 123 |
| WA | 74 |
| AZ | 27 |
| FL | 23 |
| TX | 20 |
| NY | 15 |
| OH | 10 |
| NC | 10 |
| PA | 9 |
| GA | 8 |
| NV | 8 |
| AL | 7 |
| IL | 6 |
| TN | 6 |
| IN | 6 |
| MO | 5 |
| MD | 5 |
| ID | 5 |
| CO | 5 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 195 |
| Written notification about debt | 108 |
| Cont'd attempts collect debt not owed | 83 |
| False statements or representation | 80 |
| Took or threatened to take negative or legal action | 43 |
| Disclosure verification of debt | 33 |
| Communication tactics | 29 |
| Incorrect information on your report | 24 |
| Taking/threatening an illegal action | 9 |
| Improper contact or sharing of info | 8 |
| Improper use of your report | 6 |
| Incorrect information on credit report | 6 |
| Electronic communications | 4 |
| Problem with a company's investigation into an existing problem | 4 |
| Threatened to contact someone or share information improperly | 3 |
| Problem with a credit reporting company's investigation into an existing problem | 3 |
| Problem with customer service | 2 |
| Charged upfront or unexpected fees | 1 |
| Unauthorized withdrawals or charges | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 15 | 100% |
| 2014 | 40 | 100% |
| 2015 | 59 | 98.3% |
| 2016 | 48 | 100% |
| 2017 | 48 | 97.9% |
| 2018 | 44 | 100% |
| 2019 | 50 | 98% |
| 2020 | 32 | 96.9% |
| 2021 | 21 | 100% |
| 2022 | 23 | 100% |
| 2023 | 51 | 100% |
| 2024 | 71 | 100% |
| 2025 | 85 | 96.5% |
| 2026 | 55 | 96.4% |
Source: CFPB Consumer Complaint Database
Ray Klein, Inc. filings cluster in one product
Ray Klein, Inc.'s 642 logged complaints stay concentrated: only 39 states show a filing. 40.8% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-06-23.
Ray Klein, Inc. answers 98.6% of complaints inside the CFPB's tracked window and closes 78.7% with a written explanation. 7.6% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Ray Klein, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Ray Klein, Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 642.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.6%.
- Block, Inc. Δ 0.0 pts · 66.9K complaints 98.6%timely
- Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) Δ 0.0 pts · 4.0K complaints 98.6%timely
- RoundPoint Mortgage Servicing LLC Δ 0.0 pts · 3.0K complaints 98.6%timely
- Foris DAX, Inc. Δ 0.0 pts · 1.1K complaints 98.6%timely
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Ray Klein, Inc. (98.6% timely; 7.6% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration