Debt collection -- Attempts to collect debt not owed -- Complaint #20825997
Consumer disputes debt validity with Kriya Capital
Complaint Overview
Complaint ID: 20825997
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: Arkansas
ZIP Code: 720XX
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 violations of the Fair Debt Collection Practices Act (FDCPA) if the collection attempts continue without proper validation.
Consumer Sentiment: neutral
Topics: Debt collection, Disputed debt, Debt validation
AI Analysis
CFPB complaint 20825997 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 Arkansas. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should clearly communicate in writing that they dispute the debt and request validation from the debt collector.
Legal Context & Consumer Protection Laws
Under the FDCPA, debt collectors must cease collection efforts upon written notice of debt validation request until they provide verification.
Regulatory Insight
This case highlights the importance of debt validation and the potential for FDCPA violations if collectors pursue debts without proper proof.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originates from Arkansas, and state-specific consumer protection laws may also apply.
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 20825997 about?
CFPB complaint 20825997 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 20825997 filed against?
Complaint 20825997 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 20825997?
Kriya Capital, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20825997 filed?
Complaint 20825997 was received by the CFPB on March 31, 2026. It was sent to Kriya Capital, LLC on March 31, 2026.
What state was complaint 20825997 filed from?
Complaint 20825997 was filed from Arkansas. You can view all complaints from this state at /state/AR.
Was the consumer satisfied with the resolution of complaint 20825997?
Dispute information is not available for complaint 20825997.
What product category is complaint 20825997 about?
Complaint 20825997 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 20825997 submitted?
Complaint 20825997 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 20825997?
Under the FDCPA, debt collectors must cease collection efforts upon written notice of debt validation request until they provide verification. This relates to a Debt collection complaint against Kriya Capital, LLC involving "Attempts to collect debt not owed".
How likely is complaint 20825997 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 20825997?
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 violations of the Fair Debt Collection Practices Act (FDCPA) if the collection attempts continue without proper validation.
What regulatory actions apply to complaint 20825997?
This case highlights the importance of debt validation and the potential for FDCPA violations if collectors pursue debts without proper proof. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20825997?
Consumers should clearly communicate in writing that they dispute the debt and request validation from the debt collector.
Are there state-specific protections for complaint 20825997?
The complaint originates from Arkansas, and state-specific consumer protection laws may also apply. This complaint was filed from Arkansas.
How does complaint 20825997 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 requesting validation of the debt. It is advisable to send this letter via certified mail with a return receipt requested to have proof of delivery.
What are the rights of a consumer when a debt collector attempts to collect a debt that is not theirs?
Consumers have the right to dispute the debt and request verification. If the debt collector cannot validate the debt, they must cease collection activities. The FDCPA also prohibits harassment and deceptive practices.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.