Ray Klein, Inc. consumers have reported over 123 official complaints. Out of the 123 consumer complaints against Ray Klein, Inc., 16% were disputed by the consumer (i.e. the consumer was not happy with how Ray Klein, Inc. responded to their complaint) and 99% were processed in a timely manner. 0% of consumer complaints against Ray Klein, Inc. resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 20% resulted in non-monetary compensation.
| Issue | Complaints | Disputed |
|---|---|---|
| Cont'd attempts collect debt not owed | 57 | 14% |
| Disclosure verification of debt | 21 | 19% |
| False statements or representation | 21 | 14% |
| Taking/threatening an illegal action | 9 | 33% |
| Communication tactics | 6 | 17% |
| Incorrect information on credit report | 5 | 20% |
| Improper contact or sharing of info | 4 | 0% |
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Stop CallsRay Klein, Inc. Debt collection disclosure verification of debt not disclosed as an attempt to collect February 17, 2017 - Garnished for $2200.00 but no record of any account with that amount due.... |
Ray Klein, Inc. Debt collection disclosure verification of debt not given enough info to verify debt February 1, 2017 - A collection agency is reporting on my credit. I attempted to contact them via physical mail regarding this issue without response. I would like to verify this debt is legitimate & if so, agree on a settlement... |
Ray Klein, Inc. Credit reporting incorrect information on credit report account status January 23, 2017 - In - 2016, I attempted to reach out to Professional Credit Services located in -, OR for a collections account that is related to a medical bill. During the conversation, the agency stated they would investigate this account ( when I never requested this ) and never sent me any information about this collection so I can understand what medical insurance documents I had to send to prove it was paid. I am not certain how something can be investigated if I never got any information about it and I am unsure what specifically they are attempting to collect. According to the credit bureaus, th... |
Ray Klein, Inc. Debt collection false statements or representation indicated shouldn't respond to lawsuit January 10, 2017 - I have a public record reporting on my credit report that the debt was not paid. I have a release settlement letter dated for -/-/- that was paid and settled. It continues to appear on my credit report as a Judgement. I called a month ago and - - had the letter of settlement on file and as of today it is still on my Public report. I have been turned down for - because they have not removed it. the reference number is -. I have another - on my public record for the same thing - agencies also a medical debt that was satisfied in -/-/- still showing on public record fo... |
Ray Klein, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine November 26, 2016 - I 've recently received a letter threatening legal action for medical collection accounts that belong to my husband. They have recently been reported on my credit report. There are - accounts, - of them do not belong to me. I am not responsible for his debts and I do n't think it is right for this company to bundle all our accounts into one and go after both of us for each others debts.... |
Ray Klein, Inc. Debt collection taking/threatening an illegal action attempted to/collected exempt funds November 24, 2016 - I called this company to pay a doctor bill I had misplaced and told by the doctors HR office, had been sent to collections. I paid the debt owed plus - cent interest. I was interrupted during this transaction by the representative who wanted to discuss some other outrageous unknown debt. I told her I was calling to pay the doctor bill I owed. about a week or two later I found a letter in my mailbox telling me I was going to be garnished for a debt that was not identified, and that I would be paying the collection company an additional $ - per a court order dated -/-/-, filed -/-/-... |
Ray Klein, Inc. Debt collection disclosure verification of debt not given enough info to verify debt November 17, 2016 - So my situation is a little more complicated than what is listed above. I 've tried calling the CFPB but she could n't help me. Apparently I had debts in collection in -/-/-, -/-/- and -/-/-. In -/-/- right as I was changing jobs, I asked for a statement. I changed jobs and had a hard time with familial things at the same time and that was the last time I heard from this Credit reporting agency. Since I work for the Veteran 's Administration and it was hacked right after I started in -/-/-, my credit is monitored through -. Today I got on to check activity and it sh... |
Ray Klein, Inc. Debt collection false statements or representation attempted to collect wrong amount November 4, 2016 - This is a medical bill that I had set up payments with the hospital to pay and then lost my card and got a new one and forget to change it with the hospital by the time I call the hospital to set it up again 60 days later it was transferred to a collector ( my fault I should have called sooner ) I called the collection agency professional credit service ( who I had n't received any paperwork from, the hospital had my address and managed to send all the bills after my - to my correct address but the agency decided to send them to my parents who I have n't lived with for 10+ years ) to schedu... |
Ray Klein, Inc. Debt collection taking/threatening an illegal action sued w/o proper notification of suit October 28, 2016 - I was insured with - in - Oregon, a Health insurance company. ( could and should file a separate fraud complaint against them also ) I got very sick and needed to stay in hospital for a few days. I was covered under - insurance who in start of 2016 made statements in - newspaper ( - area ) and on all TV news in Oregon that they were insolvent and about to go belly up as in Bankrupt and would be shut down. At that time I paid my premiums until I deemed that switching to another carrier would be more to my advantage and did not want to take any chances with a company whose mismana... |
Ray Klein, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine October 24, 2016 - - WRONGFULLY discharged a - BALANCE SUBMISSION TO -, was handed over to very UNPROFESSIONAL acting Debt collection service company called " Professional Credit Service '' of which whom made threatening harrassing phone calls, NEVER ONCE ADMITTING TO MAKING THREATING CALLS, BUT DID N'T EVEN BOTHER TO LOOK AT A - BALANCE BILL!! INCREDULOUS! - FINALLY MADE RIGHT THEIR WRONG, BUT PROFESSIONAL CREDIT SERVICES, STILL HARRASSING & VERY WRONG IN THEIR ACTIONS, OWES " ME A PAID IN FULL NEVER OWED CREDIT IN FAVORABLE STANDING LETTER AS PER - LETTER STATES '' OR LEGAL ACTION PENDING WIL... |
Ray Klein, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine October 16, 2016 - The debt that on the report is not mine. They report the wrong person.... |
Ray Klein, Inc. Debt collection cont'd attempts collect debt not owed debt resulted from identity theft September 28, 2016 - PROFESSIONAL CREDIT ACCOUNT NUMBERs : - -/-/- -, OR - Phone : - ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. ... |
Ray Klein, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine August 30, 2016 - Collection was reported to my credit report for an account belonging to my deceased mother who resided with me ; I never signed on the account. Reported by : Professional Credit Service # - - -, OR - Ph. - - - Debt appears to be from - - phone service... |
Ray Klein, Inc. Debt collection false statements or representation attempted to collect wrong amount May 16, 2016 - BACKGROUND I owed a $260.00 balance to - - - for a - visit - DOS -/-/15. I thought it was covered by insurance, but was applied to the deductible. I could n't pay and the debt was turned over to a local collection agency, Ray Klein, Inc. dba Professional Credit Service, in - 2015. They 're located at - - -, -, OR -. PCS tried to contact me by phone and letter several times. On phone messages they would never say what they were calling about, or leave a reference number, or what company they were with, or any information besides a person 's name. I was n'... |
Ray Klein, Inc. Debt collection communication tactics used obscene/profane/abusive language May 13, 2016 - I contacted Professional Credit Services to assist me with settling a long standing debt with - - -. I explained very clearly that I am the - of a - parent and that I was her sole breadwinner. I was told by one representative ( - ) that I would be able to settle this debt and get it removed from my credit report. - transferred me to a man named - who not only told me that he refused to settle, but was very abusive and wanted me to send my mother 's medical records to him to prove to him that she was -. I told him that I would n't do that and that because of how he wa... |
Ray Klein, Inc. Debt collection false statements or representation indicated committed crime not paying May 13, 2016 - First an old roommate got a call on HIS cell phone asking for me. Then they gave him personal info about me, asking if he collected my mail. He said sometimes. They were screaming, threatening, and then hung up. Then a few weeks later, they came to his door and gave him a few papers with a bill for me ( - - - ) on it, and small claims info, but with no date. Not in an envelope.I, -, never got personally served, and have been recently homeless. I was living at the given address on this document prior to event. I can be reached at email and phone number on this form. Later, at that a... |
Ray Klein, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine January 15, 2016 - The insurance company is responsible for this charge, I was and presently am a Federal employee and medical /dental insurance is extended 31 days after separation from employment. I left my job the same month I visited this dental office, they are aware of the 31 day extension and refuse to bill the correct party for this charge, the dental insurance company. I 've regained my Federal employment status and hold the same insurance. They sent this account to collections in error. They need to bill the insurance company and remove the fraudulent charge off of all my credit reports, they have caus... |
Ray Klein, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine January 7, 2016 - I HAVE RECEIVE SEVERAL ATTEMPTS FROM - FOR BILLS IN THE AMOUNT OF $130.00 WHICH KEEP INCREASING EACH MONTH DATING BACK FROM -/-/2015 TO PRESENT.MY LAST PAYMENT TO THEM WAS MADE ON -/-/2015 BY CREDIT CARD IN THE AMOUNT OF $28.00 FOR THE PERIOD -/-/- TO -/-/-. MY NUMBER WAS REQUESTED BY - - - TO BE SWITCHED OVER TO THEM WHICH THEY REFUSED. IN THE MEAN TIME I WAS GIVEN A FREE PHONE BY ASSURANCE THUR - WHICH GAVE FREE CALLS AND TE-T UNLIMITED STARTING -/-/2015. SO THERE WAS NO NEED FOR - SERVICE ANY LONGER. YET THEY CONTINUE TO SEEK PAYMENT FOR SERVICE... |
Ray Klein, Inc. Debt collection taking/threatening an illegal action seized/attempted to seize property January 4, 2016 - The collection agency obtained a judgment against me only for medical bills associated with the birth of my and my ex-husband 's daughter even though I was legally married when she was born and covered under my husband 's medical insurance. I contacted them approximately 1 month ago to explain the circumstances of the bill, that the judgment should be against us both, that according to a court ordered divorce decree dated -/-/-, my ex-husband is responsible for those medical bills, that I am currently on welfare ( food stamps & OHP ), that he is almost $ - in arrears on child suppo... |
Ray Klein, Inc. Debt collection cont'd attempts collect debt not owed debt was paid December 16, 2015 - I recently received a letter from Professional Credit Service in regards to account # -, which was paid in -/-/- ( see copy of Check # - attached and other billing invoices related ), the dollar amount referenced in the letter from PCS dated of -/-/- which is a lot less than the $150.00 paid then in -/-/-. The account # - was paid fully to - - care so I do not understand that almost 6 years later I am getting this type of letter. In this case It looks like fraudulent double dipping or incompetence. ... |
Ray Klein, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine November 1, 2015 - In -/-/-, I received a letter from Professional Credit Services attempting to collect a debit in the amount of $230.00 listed for collection by - - - - -. I did not incur this debt. I immediately sent with a letter to dispute the debt and to request debt validation. I sent the letter via Certified Mail. I have a return receipt showing Professional Credit Services received it on -/-/-. In the meantime, I sent an email to - - - - - -. I wanted to know how an account was established in my name when I never applied for it. - - - at - -... |
Ray Klein, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine October 22, 2015 - - - collection agency on -/-/-, they garnished my accounts and then they tried again and again but the Bank, charging me those ilegall attemp to my accounts and they knew I did not have money on those accounts.So that 's Debt is not mine is from - - ... |
Ray Klein, Inc. Credit reporting incorrect information on credit report account terms October 22, 2015 - I paid off the Ray Klein on my credit report. I have contacted them many times asking for physical proof of satisfaction as well it to be reported as paid on my credit report. It has been months and they are saying they will do whatever i ask but refuse to give a timeline. it has been almost two months with no action. ... |
Ray Klein, Inc. Debt collection disclosure verification of debt right to dispute notice not received September 25, 2015 - - - - - in -, - - - - - # - -, - - performed services that were stated as covered under - insurance only to receive bill of $440.00 afterwards. Contacted attorney who wrote to this company asking for verification of charges be faxed to attorney 's office which was never done. One year later debt is now turned over to Professional Credit Service at -. - - - - - for collections. ... |
Ray Klein, Inc. Debt collection taking/threatening an illegal action attempted to/collected exempt funds September 22, 2015 - I had an on the Job Injury. - did not pay $700.00 while I was going to - - - -. -/-/- It was sent to Ray Klein Inc. dba Professional Credit Service. I was then put on SSI. - -/-/- Ray Klein Inc. dba Professional Credit Service Garnished my savings from an out of - Credit Union for $1400.00. I spoke to An Attorney - - an was told this was illegal. Spoke with - - employee of Ray Klein inc. dba Professional Credit Services he said to fax copies of bank statements showing my SSI direct Deposit and copy of Bank statement showing where I sent the deposi... |
Ray Klein, Inc. Debt collection cont'd attempts collect debt not owed debt was paid September 16, 2015 - On -/-/15 my husband received - services through - - - - -. On -/-/- - - - billed us for the remaining balance after insurance paid their part. We had had prior experience with - - - billing us for amounts that should have been settled through insurance. On -/-/15 I spoke to a person at - - - who said the bill should be sent for adjustment and we should not pay while this was being done. We did not hear from them again. On -/-/15 we received a letter from Professional Credit Services saying the bill had gone to collection. We ... |
Ray Klein, Inc. Debt collection cont'd attempts collect debt not owed debt was paid July 28, 2015 - - - - - - - - - -, Oregon - sent $150.00 to Professional Credit Services, collections ''. $100.00 of it was paid to Professional Credit Services, collections '' in - -. $60.00 was paid to - - - - -. - did not recognize this payment until - of -. They sent the payment of $60.00 to the collection agency in - of -. The collection agency and - are requiring me to pay interest on the balance previously paid. - had the funds for almost 4 years. They reported the full amount on my credit report for 4 years. I made - ... |
Ray Klein, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine June 10, 2015 - I have been summoned to small claims court over a debt for a doctor bill. I had been paying on the debt the best I could and it was turned over to a collection agency. The collection agency has sent me - letters and I have received no phone calls. The amount of money that they say that I owe is more than the agreed amount that I had arranged with the doctor. In the - bill they sent me was in -/-/- and the doctor bill was inflated by about 300 dollars and there was a hospital bill that did not belong to me from 2004. The next bill I received was just for the doctor bill ( still infla... |
Ray Klein, Inc. Credit reporting incorrect information on credit report information is not mine May 21, 2015 - professional credit Services placed an account on my credit that does not belong to me and it is damaging my credit. I have tried contacting them to provide proof this account belongs to me and they have not or responded to me for that matter. ... |
Ray Klein, Inc. Debt collection disclosure verification of debt right to dispute notice not received May 12, 2015 - I sent a written a communication to this collection agency. The letter was returned through postage stating address unable to find. No ability to dispute claim given. ... |
Ray Klein, Inc. Debt collection disclosure verification of debt right to dispute notice not received April 16, 2015 - Agency refuses to update my account to the credit bureaus and supply the information that my debt has been reduced after consistent monthly payments. Under Sect. 623 of the Fair Credit Reporting Act, they have the duty to report supplementary information to the credit bureaus. When I have called them about it, they are insulting, abusive. I waited on hold for 45 minutes while they supposedly researched the statute but I finally had to hang up, so I could n't hear what conclusion they reached. ... |
Ray Klein, Inc. Debt collection taking/threatening an illegal action threatened to sue on too old debt April 10, 2015 - Ray Klein dba Professional Credit Service filed lawsuit in the - - of the State of Oregon for the County of - case # - for medical debts at - - - in - -, OR for emergency room services performed on dates between -/-/- and -/-/- all of which was well beyond the State of Oregon - year statute of limitation on debt collection. Also claimed principal in the amount of $4700.00 and interest at 18 % per annum ( double the Oregon allowed 9 % ) totalling $12000.00 for a total of $17000.00. This amount was utilized in the lawsuit to also put the total claim ... |
Ray Klein, Inc. Debt collection false statements or representation attempted to collect wrong amount March 19, 2015 - I received a court - for a - bill from - years ago from a debt collection agency. I called immediately to ask what it 's from and they would n't give any information and said I can pay - of it to settle it but that the legal process would n't stop. I asked how much half would be and they said -, but the amount of suit on the summons is listed as -. I hung up and called again and was given different information. I was told I could make a payment of $400.00 and monthly installments and it would halt the legal process. I do n't know what this debt is for or how much I actually... |