Debt collection -- Attempts to collect debt not owed -- Complaint #8898406
Complaint Overview
Complaint ID: 8898406
Company: Ray Klein, INC.
Product: Debt collection
Sub-Product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Ohio
ZIP Code: 44212
Date Received: 2024-04-30T12:00:00-05:00
Date Sent to Company: 2024-04-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year> I received an unsigned letter from Professional Credit Services, XXXX XXXX XXXX XXXX, OR XXXX. The letter stated that the company was collecting a debt owed to XXXX XXXX in the amount of {$83.00}. I sent them a letter disputing the claim. They sent another unsigned letter, without any of the information that I requested, and said I owed the same amount. This letter threatened to add interest. I called and negotiated for a settlement of the alleged debt. We agreed upon a final payment of {$58.00}. I sent check # XXXX for {$58.00} on XX/XX/year>. I wrote : Negotiated Final Payment on the memo line of the check. The check was stamped and deposited to the account of XXXX XXXX XXXX at XXXXXXXX XXXX on XX/XX/year>. I received an unsigned letter from Professional Credit Services on XX/XX/year> stating that I owe {$25.00} for principal, interest, and penalty fees. This is why I am contacting you for help in this matter. Thank you, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #8898406 about?
Complaint #8898406 was filed against Ray Klein, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-04-30T12:00:00-05:00.
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.