Debt collection -- Attempts to collect debt not owed -- Complaint #20821628
Consumer disputes debt collection for unknown debt
Complaint Overview
Complaint ID: 20821628
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: Mississippi
ZIP Code: 39209
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 validity of the debt and potential legal action if not resolved.
Consumer Sentiment: neutral
Topics: Debt collection, Disputed debt, Identity theft
AI Analysis
CFPB complaint 20821628 was filed against Kriya Capital, LLC regarding Debt collection (I do not know), specifically about "Attempts to collect debt not owed". A consumer in Mississippi 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 Mississippi. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should gather all documentation related to the debt and contact Kriya Capital, LLC in writing to dispute the debt and request validation.
Legal Context & Consumer Protection Laws
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors must provide validation of a debt upon request if the consumer disputes it.
Regulatory Insight
This case highlights the importance of debt collectors verifying the accuracy of the debt and consumer information before initiating collection efforts.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Mississippi, consumers have rights under state and federal laws to dispute debts and protect themselves from unfair debt collection practices.
Industry Comparison
This situation is common in the debt collection industry, where errors in debt assignment or identification can lead to disputes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20821628 about?
CFPB complaint 20821628 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 20821628 filed against?
Complaint 20821628 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 20821628?
Kriya Capital, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20821628 filed?
Complaint 20821628 was received by the CFPB on March 31, 2026. It was sent to Kriya Capital, LLC on March 31, 2026.
What state was complaint 20821628 filed from?
Complaint 20821628 was filed from Mississippi. You can view all complaints from this state at /state/MS.
Was the consumer satisfied with the resolution of complaint 20821628?
Dispute information is not available for complaint 20821628.
What product category is complaint 20821628 about?
Complaint 20821628 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 20821628 submitted?
Complaint 20821628 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 20821628?
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors must provide validation of a debt upon request if the consumer disputes it. This relates to a Debt collection complaint against Kriya Capital, LLC involving "Attempts to collect debt not owed".
How likely is complaint 20821628 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 20821628?
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 validity of the debt and potential legal action if not resolved.
What regulatory actions apply to complaint 20821628?
This case highlights the importance of debt collectors verifying the accuracy of the debt and consumer information before initiating collection efforts. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20821628?
Consumers should gather all documentation related to the debt and contact Kriya Capital, LLC in writing to dispute the debt and request validation.
Are there state-specific protections for complaint 20821628?
In Mississippi, consumers have rights under state and federal laws to dispute debts and protect themselves from unfair debt collection practices. This complaint was filed from Mississippi.
How does complaint 20821628 compare to industry norms?
This situation is common in the debt collection industry, where errors in debt assignment or identification can lead to disputes.
What steps should the consumer take if Kriya Capital, LLC continues to pursue the debt?
The consumer should send a certified letter to Kriya Capital, LLC formally disputing the debt and requesting validation. If collection continues without validation, they may consider filing a complaint with the CFPB or consulting with a consumer protection attorney.
What information is needed to validate a debt?
Debt validation typically includes the original creditor's name, the amount of the debt, and proof that the debt collector has the legal right to collect it.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.