Debt collection -- Attempts to collect debt not owed -- Complaint #20844066
Consumer disputes debt validity with Kriya Capital
Complaint Overview
Complaint ID: 20844066
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: California
ZIP Code: 95758
Date Received: 2026-04-01T12:00:00-05:00
Date Sent to Company: 2026-04-01T12:00:00-05:00
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 legal challenges if the debt collector cannot prove ownership or validity.
Consumer Sentiment: neutral
Topics: Debt collection, Disputed debt, Identity theft
AI Analysis
CFPB complaint 20844066 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 April 1, 2026 from California. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should gather any documentation proving the debt is not theirs and respond in writing to the debt collector.
Legal Context & Consumer Protection Laws
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors must cease collection if a consumer disputes the debt and provide verification.
Regulatory Insight
Regulators may investigate if Kriya Capital is systematically attempting to collect debts not owed by consumers.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In California, consumers have specific rights regarding debt collection and can report unfair practices to the Department of Financial Protection and Innovation.
Industry Comparison
This is a common issue in the debt collection industry where errors in debt assignment or data entry can lead to collection attempts on incorrect accounts.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20844066 about?
CFPB complaint 20844066 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 April 1, 2026.
Which company is complaint 20844066 filed against?
Complaint 20844066 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 20844066?
Kriya Capital, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20844066 filed?
Complaint 20844066 was received by the CFPB on April 1, 2026. It was sent to Kriya Capital, LLC on April 1, 2026.
What state was complaint 20844066 filed from?
Complaint 20844066 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 20844066?
Dispute information is not available for complaint 20844066.
What product category is complaint 20844066 about?
Complaint 20844066 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 20844066 submitted?
Complaint 20844066 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 20844066?
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors must cease collection if a consumer disputes the debt and provide verification. This relates to a Debt collection complaint against Kriya Capital, LLC involving "Attempts to collect debt not owed".
How likely is complaint 20844066 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 20844066?
This complaint is rated as medium risk. The risk is medium as the consumer claims the debt is not theirs, which could lead to legal challenges if the debt collector cannot prove ownership or validity.
What regulatory actions apply to complaint 20844066?
Regulators may investigate if Kriya Capital is systematically attempting to collect debts not owed by consumers. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20844066?
Consumers should gather any documentation proving the debt is not theirs and respond in writing to the debt collector.
Are there state-specific protections for complaint 20844066?
In California, consumers have specific rights regarding debt collection and can report unfair practices to the Department of Financial Protection and Innovation. This complaint was filed from California.
How does complaint 20844066 compare to industry norms?
This is a common issue in the debt collection industry where errors in debt assignment or data entry can lead to collection attempts on incorrect accounts.
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 via certified mail, requesting validation of the debt and stating that they do not owe it. They should also keep copies of all correspondence.
What are the potential consequences for a debt collector attempting to collect a debt that is not owed?
Debt collectors can face legal action, including fines and lawsuits, under laws like the FDCPA if they are found to be attempting to collect debts that are not valid or are not owed by the consumer.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.