Debt collection -- Communication tactics -- Complaint #20820991
Kriya Capital Accused of Harassing Debt Collection Calls
Complaint Overview
Complaint ID: 20820991
Company: Kriya Capital, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Communication tactics
Sub-Issue: Called before 8am or after 9pm
State: California
ZIP Code: 94578
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 consumer's claim of receiving calls outside of permissible hours suggests a potential violation of the Fair Debt Collection Practices Act (FDCPA), which could lead to legal scrutiny and penalties.
Consumer Sentiment: negative
Topics: Debt collection, Communication tactics, FDCPA
AI Analysis
CFPB complaint 20820991 was filed against Kriya Capital, LLC regarding Debt collection (I do not know), specifically about "Communication tactics". A consumer filed a complaint against Kriya Capital, LLC for using aggressive communication tactics, specifically calling before 8 am or after 9 pm, while the case is still in progress. 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 document all communication attempts, including dates and times, and be aware of their rights regarding debt collection practices under federal and state laws.
Legal Context & Consumer Protection Laws
The FDCPA prohibits debt collectors from engaging in abusive, deceptive, and unfair practices, including contacting consumers at inconvenient times.
Regulatory Insight
Regulators may investigate Kriya Capital for potential violations of the FDCPA's provisions on communication timing and frequency.
Resolution Likelihood
likely
State-Specific Consumer Protections
California law also provides consumers with protections against unfair debt collection practices, which may be relevant to this complaint.
Industry Comparison
Many debt collection agencies adhere to strict communication guidelines, but some may face complaints for violating these standards.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20820991 about?
CFPB complaint 20820991 involves Debt collection (I do not know). The consumer reported an issue with "Communication tactics", specifically "Called before 8am or after 9pm". This complaint was filed against Kriya Capital, LLC on March 31, 2026.
Which company is complaint 20820991 filed against?
Complaint 20820991 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 20820991?
Kriya Capital, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20820991 filed?
Complaint 20820991 was received by the CFPB on March 31, 2026. It was sent to Kriya Capital, LLC on March 31, 2026.
What state was complaint 20820991 filed from?
Complaint 20820991 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 20820991?
Dispute information is not available for complaint 20820991.
What product category is complaint 20820991 about?
Complaint 20820991 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 20820991 submitted?
Complaint 20820991 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 20820991?
The FDCPA prohibits debt collectors from engaging in abusive, deceptive, and unfair practices, including contacting consumers at inconvenient times. This relates to a Debt collection complaint against Kriya Capital, LLC involving "Communication tactics".
How likely is complaint 20820991 to be resolved?
Resolution likelihood: likely. 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 20820991?
This complaint is rated as medium risk. The consumer's claim of receiving calls outside of permissible hours suggests a potential violation of the Fair Debt Collection Practices Act (FDCPA), which could lead to legal scrutiny and penalties.
What regulatory actions apply to complaint 20820991?
Regulators may investigate Kriya Capital for potential violations of the FDCPA's provisions on communication timing and frequency. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20820991?
Consumers should document all communication attempts, including dates and times, and be aware of their rights regarding debt collection practices under federal and state laws.
Are there state-specific protections for complaint 20820991?
California law also provides consumers with protections against unfair debt collection practices, which may be relevant to this complaint. This complaint was filed from California.
How does complaint 20820991 compare to industry norms?
Many debt collection agencies adhere to strict communication guidelines, but some may face complaints for violating these standards.
What specific state laws in California govern debt collection communication times?
California's Rosenthal Fair Debt Collection Practices Act (RFDCPA) mirrors many FDCPA provisions and may impose additional restrictions on debt collector communications, including specific time limitations.
What are the typical penalties for violating FDCPA communication rules?
Violations can result in statutory damages, actual damages, attorney's fees, and court costs for the consumer, as well as potential enforcement actions by regulatory bodies.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.