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 |
|---|---|---|---|
| Mar 14, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Mar 13, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 13, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 12, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 9, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 6, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Feb 26, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Feb 24, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Feb 15, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 15, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Feb 10, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Feb 4, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Feb 3, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 2, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 22, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jan 22, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Jan 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 16, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jan 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 30, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Dec 30, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 29, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Dec 27, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Dec 26, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 25, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 21, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 20, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 19, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | 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
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