Debt collection -- Attempts to collect debt not owed -- Complaint #20812345
Consumer Disputes Unowed Telecommunications Debt Collection
Complaint Overview
Complaint ID: 20812345
Company: Kriya Capital, LLC
Product: Debt collection
Sub-Product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: California
ZIP Code: 94806
Date Received: 2026-03-31T12:00:00-05:00
Date Sent to Company: 2026-03-31T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because the debt collector may continue collection efforts, potentially impacting the consumer's credit if the dispute is not resolved, and the case is still in progress.
Consumer Sentiment: negative
Topics: Debt collection, Telecommunications debt, Disputed debt
AI Analysis
CFPB complaint 20812345 was filed against Kriya Capital, LLC regarding Debt collection (Telecommunications debt), specifically about "Attempts to collect debt not owed". A consumer in California is disputing a debt collection attempt by Kriya Capital, LLC for a telecommunications debt that they claim is not theirs. The complaint was received on March 31, 2026 from California. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should gather all documentation related to the debt and their dispute, and formally notify Kriya Capital, LLC in writing that the debt is not theirs.
Legal Context & Consumer Protection Laws
Debt collection practices are governed by the Fair Debt Collection Practices Act (FDCPA), which prohibits collectors from using deceptive or unfair practices, including attempting to collect debts that are not owed.
Regulatory Insight
Regulators are focused on ensuring debt collectors have valid proof of debt before initiating collection and that they cease collection activities when a debt is disputed.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In California, consumers have specific rights under state law regarding debt collection, in addition to federal protections.
Industry Comparison
This situation is common in the debt collection industry, where errors in debt assignment or identification can lead to collection attempts on incorrect accounts.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20812345 about?
CFPB complaint 20812345 involves Debt collection (Telecommunications debt). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt is not yours". This complaint was filed against Kriya Capital, LLC on March 31, 2026.
Which company is complaint 20812345 filed against?
Complaint 20812345 was filed against Kriya Capital, LLC. You can view all complaints against this company on their profile page at /company/kriya-capital-llc.
What was the company's response to complaint 20812345?
Kriya Capital, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20812345 filed?
Complaint 20812345 was received by the CFPB on March 31, 2026. It was sent to Kriya Capital, LLC on March 31, 2026.
What state was complaint 20812345 filed from?
Complaint 20812345 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 20812345?
Dispute information is not available for complaint 20812345.
What product category is complaint 20812345 about?
Complaint 20812345 is categorized under "Debt collection", specifically "Telecommunications debt". This is one of the product categories tracked by the CFPB.
How was complaint 20812345 submitted?
Complaint 20812345 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 20812345?
Debt collection practices are governed by the Fair Debt Collection Practices Act (FDCPA), which prohibits collectors from using deceptive or unfair practices, including attempting to collect debts that are not owed. This relates to a Debt collection complaint against Kriya Capital, LLC involving "Attempts to collect debt not owed".
How likely is complaint 20812345 to be resolved?
Resolution likelihood: mixed. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 20812345?
This complaint is rated as medium risk. The risk is medium because the debt collector may continue collection efforts, potentially impacting the consumer's credit if the dispute is not resolved, and the case is still in progress.
What regulatory actions apply to complaint 20812345?
Regulators are focused on ensuring debt collectors have valid proof of debt before initiating collection and that they cease collection activities when a debt is disputed. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20812345?
Consumers should gather all documentation related to the debt and their dispute, and formally notify Kriya Capital, LLC in writing that the debt is not theirs.
Are there state-specific protections for complaint 20812345?
In California, consumers have specific rights under state law regarding debt collection, in addition to federal protections. This complaint was filed from California.
How does complaint 20812345 compare to industry norms?
This situation is common in the debt collection industry, where errors in debt assignment or identification can lead to collection attempts on incorrect accounts.
What steps should the consumer take if Kriya Capital, LLC continues to pursue the debt after being notified it's not theirs?
The consumer should send a certified letter to Kriya Capital, LLC demanding validation of the debt and stating they dispute it. If collection continues, they may consider filing a complaint with the CFPB or relevant state agencies.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.