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 |
|---|---|---|---|
| Dec 11, 2025 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | Explained |
| Dec 10, 2025 | Debt collection | Took or threatened to take negative or legal actionSued you in a state where you do not live or did not sign for the debt | Explained |
| Dec 10, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 2, 2025 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | Explained |
| Nov 28, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 26, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 25, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 24, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Nov 18, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 18, 2025 | Debt collection | Took or threatened to take negative or legal actionCollected or attempted to collect exempt funds | Explained |
| Nov 8, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 6, 2025 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | Explained |
| Nov 5, 2025 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | Explained |
| Oct 30, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 22, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 21, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 18, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Oct 17, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 16, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 25, 2025 | Debt collection | Threatened to contact someone or share information improperlyContacted you instead of your attorney | Explained |
| Sep 21, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 17, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 15, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 13, 2025 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Sep 11, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 29, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 18, 2025 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Aug 16, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Aug 14, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 11, 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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