Debt collection
Ray Klein debt collection complaints
Consumers have filed 624 complaints about Ray Klein's debt collection, 100 in the last 12 months (+56%). Ray Klein answered 86% on time and closed 0% with relief. See the whole Ray Klein record.
Ray Klein against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Ray Klein | 100 | 86% | 0% |
Latest Ray Klein debt collection complaints
| 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 |
| Aug 20, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 18, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 13, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 5, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Aug 2, 2026 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Jul 26, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 26, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 24, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 20, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 19, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 16, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 8, 2026 | Debt collection | Electronic communicationsContacted before 8am or after 9pm | Explained |
| Jul 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 7, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 1, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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
Talk about Ray Klein
No comments yet. Start the conversation - questions are welcome too.