Debt collection -- Took or threatened to take negative or legal action -- Complaint #20800650

CFPB complaint 20800650 involves Debt collection (I do not know). The consumer reported an issue with "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This complaint was filed against Kriya Capital, LLC on March 31, 2026.

Complaint 20800650 was filed against Kriya Capital, LLC. You can view all complaints against this company on their profile page at /company/kriya-capital-llc.

Kriya Capital, LLC responded with "In progress". The response was marked as timely by the CFPB.

Complaint 20800650 was received by the CFPB on March 31, 2026. It was sent to Kriya Capital, LLC on March 31, 2026.

Complaint 20800650 was filed from Texas. You can view all complaints from this state at /state/TX.

Dispute information is not available for complaint 20800650.

Complaint 20800650 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.

Complaint 20800650 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from using deceptive or unfair practices, including threatening actions they cannot legally take or do not intend to take. This relates to a Debt collection complaint against Kriya Capital, LLC involving "Took or threatened to take negative or legal action".

Resolution likelihood: likely. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.

This complaint is rated as high risk. Threatening to damage a consumer's credit is a serious violation of debt collection laws, as it constitutes taking or threatening to take negative or legal action.

This complaint highlights the CFPB's focus on ensuring debt collectors adhere to regulations prohibiting threats of credit damage, which can have severe consequences for consumers. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.

Consumers should be aware that debt collectors cannot legally threaten to damage their credit; if this occurs, they should document the interaction and consider filing a complaint.

The complaint originated in Texas, and state laws may also provide protections against unfair debt collection practices. This complaint was filed from Texas.

This type of alleged misconduct is a common issue in the debt collection industry, often leading to regulatory scrutiny.

A consumer can file a complaint with the CFPB, document all communications with the debt collector, and consult with an attorney specializing in consumer protection law.

It is legal for a debt collector to report accurate, negative information to credit bureaus if the debt is legitimate and the reporting complies with the Fair Credit Reporting Act (FCRA).