Debt collection -- Written notification about debt -- Complaint #17940177
Complaint Overview
Complaint ID: 17940177
Company: Ray Klein, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Oregon
ZIP Code: XXXXX
Date Received: 2025-11-26T12:00:00-05:00
Date Sent to Company: 2025-11-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received an email from XXXX about a utility bill on XXXX, XX/XX/XXXX. The bill was attributed to an address I hadn't lived at for nearly 5 months. The original bill was {$250.00}, and after my first notice from XXXX had accrued {$52.00} in interest. I don't understand why I would accrue 20 % of my bill in interest before I received a notice. The email claimed I had previously received a notice, but I had never received a phone call, voice mail, or email until this point. The bill has no date on it, so I don't know how long this has been accruing interest until they notified me, and I am also unaware if this bill is even mine ; I haven't lived in this property in months, and XXXX is aware of that.
Frequently Asked Questions
What is Complaint #17940177 about?
Complaint #17940177 was filed against Ray Klein, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-11-26T12:00:00-05:00.
How did Ray Klein, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Ray Klein, INC.?
Yes, visit the Ray Klein, INC. company profile at readthecomplaint.com/company/ray-klein-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.