Debt collection -- Attempts to collect debt not owed -- Complaint #20813480
Consumer disputes debt validity with Kriya Capital
Complaint Overview
Complaint ID: 20813480
Company: Kriya Capital, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: South Carolina
ZIP Code: 295XX
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 as the consumer claims the debt is not theirs, which could lead to a dispute over the debt's legitimacy and potential legal action if not resolved.
Consumer Sentiment: neutral
Topics: Debt collection, Disputed debt
AI Analysis
CFPB complaint 20813480 was filed against Kriya Capital, LLC regarding Debt collection (I do not know), specifically about "Attempts to collect debt not owed". A consumer is disputing a debt collection attempt by Kriya Capital, LLC, claiming the debt is not theirs. The complaint was received on March 31, 2026 from South Carolina. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should gather all documentation related to the debt and Kriya Capital's collection attempts, and formally dispute the debt in writing.
Legal Context & Consumer Protection Laws
Debt collection practices are governed by the Fair Debt Collection Practices Act (FDCPA), which prohibits abusive, deceptive, and unfair practices.
Regulatory Insight
Regulators will be interested in whether Kriya Capital has followed proper procedures for verifying the debt and responding to the consumer's dispute.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint is filed in South Carolina.
Industry Comparison
This is a common issue in the debt collection industry where consumers may be contacted about debts they do not recognize or are not responsible for.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20813480 about?
CFPB complaint 20813480 involves Debt collection (I do not know). 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 20813480 filed against?
Complaint 20813480 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 20813480?
Kriya Capital, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20813480 filed?
Complaint 20813480 was received by the CFPB on March 31, 2026. It was sent to Kriya Capital, LLC on March 31, 2026.
What state was complaint 20813480 filed from?
Complaint 20813480 was filed from South Carolina. You can view all complaints from this state at /state/SC.
Was the consumer satisfied with the resolution of complaint 20813480?
Dispute information is not available for complaint 20813480.
What product category is complaint 20813480 about?
Complaint 20813480 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 20813480 submitted?
Complaint 20813480 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 20813480?
Debt collection practices are governed by the Fair Debt Collection Practices Act (FDCPA), which prohibits abusive, deceptive, and unfair practices. This relates to a Debt collection complaint against Kriya Capital, LLC involving "Attempts to collect debt not owed".
How likely is complaint 20813480 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 20813480?
This complaint is rated as medium risk. The risk is medium as the consumer claims the debt is not theirs, which could lead to a dispute over the debt's legitimacy and potential legal action if not resolved.
What regulatory actions apply to complaint 20813480?
Regulators will be interested in whether Kriya Capital has followed proper procedures for verifying the debt and responding to the consumer's dispute. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20813480?
Consumers should gather all documentation related to the debt and Kriya Capital's collection attempts, and formally dispute the debt in writing.
Are there state-specific protections for complaint 20813480?
The complaint is filed in South Carolina. This complaint was filed from South Carolina.
How does complaint 20813480 compare to industry norms?
This is a common issue in the debt collection industry where consumers may be contacted about debts they do not recognize or are not responsible for.
What steps should a consumer take if they receive a debt collection notice for a debt they do not owe?
The consumer should immediately send a written dispute letter to the debt collector within 30 days of the initial notice to request debt validation. They should also keep records of all communication.
What are the obligations of a debt collector when a consumer disputes a debt?
Upon receiving a written dispute, the debt collector must cease collection efforts until they provide verification of the debt to the consumer, proving it is owed and by whom.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.