Debt collection -- Attempts to collect debt not owed -- Complaint #20816083
Consumer Disputes Debt Validity Against Kriya Capital
Complaint Overview
Complaint ID: 20816083
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: Florida
ZIP Code: 32609
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 consumer claims the debt is not theirs, which could lead to a dispute over the debt's legitimacy and potential legal challenges if not resolved.
Consumer Sentiment: neutral
Topics: Debt collection, Disputed debt
AI Analysis
CFPB complaint 20816083 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 Florida. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should gather all documentation related to the debt and their claim that it is not theirs, and respond in writing to the debt collector.
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
Collectors must validate debts when requested by the consumer, and cease collection activities until validation is provided.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originates from Florida, and state laws may also apply to debt collection practices.
Industry Comparison
This is a common issue in the debt collection industry where consumers may be targeted for debts they do not owe.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20816083 about?
CFPB complaint 20816083 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 20816083 filed against?
Complaint 20816083 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 20816083?
Kriya Capital, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20816083 filed?
Complaint 20816083 was received by the CFPB on March 31, 2026. It was sent to Kriya Capital, LLC on March 31, 2026.
What state was complaint 20816083 filed from?
Complaint 20816083 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 20816083?
Dispute information is not available for complaint 20816083.
What product category is complaint 20816083 about?
Complaint 20816083 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 20816083 submitted?
Complaint 20816083 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 20816083?
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 20816083 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 20816083?
This complaint is rated as medium risk. The risk is medium because the consumer claims the debt is not theirs, which could lead to a dispute over the debt's legitimacy and potential legal challenges if not resolved.
What regulatory actions apply to complaint 20816083?
Collectors must validate debts when requested by the consumer, and cease collection activities until validation is provided. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20816083?
Consumers should gather all documentation related to the debt and their claim that it is not theirs, and respond in writing to the debt collector.
Are there state-specific protections for complaint 20816083?
The complaint originates from Florida, and state laws may also apply to debt collection practices. This complaint was filed from Florida.
How does complaint 20816083 compare to industry norms?
This is a common issue in the debt collection industry where consumers may be targeted for debts they do not owe.
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 copies of all correspondence.
What are the potential consequences for a debt collector if they attempt to collect a debt that is not owed?
Debt collectors can face legal action and penalties under the FDCPA if they engage in unfair or deceptive practices, such as attempting to collect a debt that is not owed or cannot be validated.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.