Debt collection -- Attempts to collect debt not owed -- Complaint #20822419
Consumer disputes validity of debt collection attempt.
Complaint Overview
Complaint ID: 20822419
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: Louisiana
ZIP Code: 71334
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 indicate an error in reporting or an attempt to collect a fraudulent debt.
Consumer Sentiment: neutral
Topics: Debt collection, Disputed debt
AI Analysis
CFPB complaint 20822419 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 Louisiana. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should gather all documentation related to the debt and dispute it in writing with the debt collector and credit bureaus.
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 cease collection efforts if a consumer disputes the debt and provide verification of the debt.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint was filed in Louisiana.
Industry Comparison
This is a common issue in the debt collection industry, where errors or fraudulent attempts can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20822419 about?
CFPB complaint 20822419 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 20822419 filed against?
Complaint 20822419 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 20822419?
Kriya Capital, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20822419 filed?
Complaint 20822419 was received by the CFPB on March 31, 2026. It was sent to Kriya Capital, LLC on March 31, 2026.
What state was complaint 20822419 filed from?
Complaint 20822419 was filed from Louisiana. You can view all complaints from this state at /state/LA.
Was the consumer satisfied with the resolution of complaint 20822419?
Dispute information is not available for complaint 20822419.
What product category is complaint 20822419 about?
Complaint 20822419 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 20822419 submitted?
Complaint 20822419 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 20822419?
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 20822419 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 20822419?
This complaint is rated as medium risk. The risk is medium because the consumer claims the debt is not theirs, which could indicate an error in reporting or an attempt to collect a fraudulent debt.
What regulatory actions apply to complaint 20822419?
Collectors must cease collection efforts if a consumer disputes the debt and provide verification of the debt. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20822419?
Consumers should gather all documentation related to the debt and dispute it in writing with the debt collector and credit bureaus.
Are there state-specific protections for complaint 20822419?
The complaint was filed in Louisiana. This complaint was filed from Louisiana.
How does complaint 20822419 compare to industry norms?
This is a common issue in the debt collection industry, where errors or fraudulent attempts can occur.
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. They should also dispute the debt with all three major credit bureaus (Equifax, Experian, and TransUnion).
What are the potential consequences for a debt collector who attempts to collect a debt that is not owed?
If a debt collector violates the FDCPA by attempting to collect a debt not owed, they can face legal action from the consumer, including statutory damages, actual damages, and attorney's fees.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.