Debt collection -- Attempts to collect debt not owed -- Complaint #20850369
Debt Collector Pursues Paid Telecommunications Bill
Complaint Overview
Complaint ID: 20850369
Company: Kriya Capital, LLC
Product: Debt collection
Sub-Product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Kansas
ZIP Code: 675XX
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 because the consumer claims the debt was already paid, which, if true, would make the collection attempt a violation of debt collection laws.
Consumer Sentiment: negative
Topics: Debt collection, Telecommunications debt, Paid debt
AI Analysis
CFPB complaint 20850369 was filed against Kriya Capital, LLC regarding Debt collection (Telecommunications debt), specifically about "Attempts to collect debt not owed". A consumer filed a complaint alleging that Kriya Capital, LLC attempted to collect a telecommunications debt that had already been paid. The complaint was received on April 1, 2026 from Kansas. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should keep meticulous records of all payments made, including dates, amounts, and confirmation numbers, and dispute any collection attempts for debts they believe have been satisfied.
Legal Context & Consumer Protection Laws
This situation could fall under the Fair Debt Collection Practices Act (FDCPA) if Kriya Capital, LLC is a third-party debt collector, prohibiting them from collecting debts that are disputed or already paid.
Regulatory Insight
Regulators may scrutinize collection agencies that pursue debts without verifying their validity, especially when consumers provide evidence of prior payment.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint was filed in Kansas, and state laws may also provide protections against unfair or deceptive debt collection practices.
Industry Comparison
This is a common issue in the debt collection industry, where errors in record-keeping or aggressive tactics can lead to disputes over paid debts.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20850369 about?
CFPB complaint 20850369 involves Debt collection (Telecommunications debt). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt was paid". This complaint was filed against Kriya Capital, LLC on April 1, 2026.
Which company is complaint 20850369 filed against?
Complaint 20850369 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 20850369?
Kriya Capital, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20850369 filed?
Complaint 20850369 was received by the CFPB on April 1, 2026. It was sent to Kriya Capital, LLC on April 1, 2026.
What state was complaint 20850369 filed from?
Complaint 20850369 was filed from Kansas. You can view all complaints from this state at /state/KS.
Was the consumer satisfied with the resolution of complaint 20850369?
Dispute information is not available for complaint 20850369.
What product category is complaint 20850369 about?
Complaint 20850369 is categorized under "Debt collection", specifically "Telecommunications debt". This is one of the product categories tracked by the CFPB.
How was complaint 20850369 submitted?
Complaint 20850369 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 20850369?
This situation could fall under the Fair Debt Collection Practices Act (FDCPA) if Kriya Capital, LLC is a third-party debt collector, prohibiting them from collecting debts that are disputed or already paid. This relates to a Debt collection complaint against Kriya Capital, LLC involving "Attempts to collect debt not owed".
How likely is complaint 20850369 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 20850369?
This complaint is rated as medium risk. The risk is medium because the consumer claims the debt was already paid, which, if true, would make the collection attempt a violation of debt collection laws.
What regulatory actions apply to complaint 20850369?
Regulators may scrutinize collection agencies that pursue debts without verifying their validity, especially when consumers provide evidence of prior payment. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20850369?
Consumers should keep meticulous records of all payments made, including dates, amounts, and confirmation numbers, and dispute any collection attempts for debts they believe have been satisfied.
Are there state-specific protections for complaint 20850369?
The complaint was filed in Kansas, and state laws may also provide protections against unfair or deceptive debt collection practices. This complaint was filed from Kansas.
How does complaint 20850369 compare to industry norms?
This is a common issue in the debt collection industry, where errors in record-keeping or aggressive tactics can lead to disputes over paid debts.
What steps should a consumer take if a debt collector claims a debt is owed after it has been paid?
The consumer should immediately send a written dispute to the debt collector, providing proof of payment such as canceled checks, money order receipts, or bank statements. They should also consider filing a complaint with the CFPB and relevant state agencies.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.