Debt collector · complaint record
Ray Klein complaints
Filed under Ray Klein, Inc.
Consumers have filed 673 complaints about Ray Klein since 2013, 107 of them in the last 12 months (+45% on the year before). It answered 86% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Poor response record. How it works
- Complaints on record
- 673
- Last 12 months
- 107
- Answered on time
- 86%
- Closed with relief
- 0%
- Last 30 days
- 2
- Rank
- #192 of 1,963
Since August 2013
+45% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 27, 2026
Most complained-about debt collectors
Ray Klein complaints by month
The busiest month was April 2026 (16 complaints). Complaints in the last 12 months are up 45% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Ray Klein answered last 12 months
- Closed with explanation10598.1%
- In progress21.9%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time0/4586% on time
- Relief for customers0/400% closed with relief
- Complaint trend6/15+45% vs last year
What Ray Klein complaints are about
Top Ray Klein problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 107
- Debt was paid 75
- Debt was result of identity theft 21
- Debt was already discharged in bankruptcy and is no longer owed 7
Where Ray Klein complaints come from
Most complaints: Oregon (223), California (129), Washington (76), Florida (28), Arizona (28).
Ray Klein compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Pressler & PresslerDebt collection | 55 | 110 | C |
| 2 | Ray KleinDebt collection | 6 | 107 | F |
| 3 | Business Processing SolutionsDebt collection | 35 | 106 | D |
| 4 | Blitt and Gaines, P.CDebt collection | 52 | 106 | C |
| 5 | A & O Recovery SolutionsDebt collection | 0 | 105 | F |
| 6 | Merchants and Medical CreditDebt collection | 69 | 104 | B |
| 7 | Omega RMSDebt collection | 47 | 103 | D |
| 8 | Adler Wallach & AssociatesDebt collection | 50 | 102 | C |
Compare side by side: Ray Klein vs Pressler & Pressler · Ray Klein vs Business Processing Solutions · Ray Klein vs Blitt and Gaines, P.C · Ray Klein vs A & O Recovery Solutions
What people say about Ray Klein
All experiencesNo experiences with Ray Klein yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Ray Klein complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 15, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 29, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | In progress |
| Sep 23, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | In progress |
| Sep 22, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Sep 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 9, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 3, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Aug 31, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 31, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Questions about Ray Klein
How many complaints does Ray Klein have?
Ray Klein has 673 complaints on record since August 2013, including 107 in the last 12 months and 2 in the last 30 days. That makes it number 459 of every company by complaints this year.
Does Ray Klein respond to complaints?
Yes. Ray Klein answered 86% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 6/100 (grade F).
What do people complain about most with Ray Klein?
The most common problems are attempts to collect debt not owed (210), written notification about debt (112), false statements or representation (87).
Is Ray Klein legit?
Ray Klein is a real company with a public complaint record: consumers have complained about it 673 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Ray Klein legit? for the signals, red flags and how to protect yourself.
Are complaints about Ray Klein going up or down?
Up. There were 107 complaints in the last 12 months against 74 in the 12 before (+45%). See every month.
How do I file a complaint against Ray Klein?
Complain to Ray Klein in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Ray Klein complaints come from?
Most come from Oregon (223), California (129), Washington (76). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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