Debt collection -- Attempts to collect debt not owed -- Complaint #20850548
Consumer disputes debt validity with Kriya Capital
Complaint Overview
Complaint ID: 20850548
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: Maryland
ZIP Code: 20745
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 a dispute over the debt's legitimacy and potential legal action if not resolved.
Consumer Sentiment: neutral
Topics: Debt collection, Disputed debt
AI Analysis
CFPB complaint 20850548 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 Maryland. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should gather all documentation related to the debt and their dispute, and clearly communicate their position to the debt collector in writing.
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
Regulators may investigate if Kriya Capital is engaging in patterns of collecting debts not owed by consumers, which would violate consumer protection laws.
Resolution Likelihood
mixed
State-Specific Consumer Protections
This complaint is filed in Maryland, and state-specific consumer protection laws may also apply to debt collection activities.
Industry Comparison
This situation is common in the debt collection industry, where disputes over debt ownership and validity frequently arise.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20850548 about?
CFPB complaint 20850548 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 20850548 filed against?
Complaint 20850548 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 20850548?
Kriya Capital, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20850548 filed?
Complaint 20850548 was received by the CFPB on April 1, 2026. It was sent to Kriya Capital, LLC on April 1, 2026.
What state was complaint 20850548 filed from?
Complaint 20850548 was filed from Maryland. You can view all complaints from this state at /state/MD.
Was the consumer satisfied with the resolution of complaint 20850548?
Dispute information is not available for complaint 20850548.
What product category is complaint 20850548 about?
Complaint 20850548 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 20850548 submitted?
Complaint 20850548 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 20850548?
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 20850548 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 20850548?
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 legal action if not resolved.
What regulatory actions apply to complaint 20850548?
Regulators may investigate if Kriya Capital is engaging in patterns of collecting debts not owed by consumers, which would violate consumer protection laws. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20850548?
Consumers should gather all documentation related to the debt and their dispute, and clearly communicate their position to the debt collector in writing.
Are there state-specific protections for complaint 20850548?
This complaint is filed in Maryland, and state-specific consumer protection laws may also apply to debt collection activities. This complaint was filed from Maryland.
How does complaint 20850548 compare to industry norms?
This situation is common in the debt collection industry, where disputes over debt ownership and validity frequently arise.
What steps should a consumer take if they receive collection attempts for a debt they do not owe?
The consumer should immediately notify the debt collector in writing that they dispute the debt and request validation of the debt. They should also keep records of all communication.
Under what circumstances can a debt collector continue collection efforts after a debt is disputed?
A debt collector can continue collection efforts if they provide validation of the debt, proving it is owed by the consumer. However, they must cease collection if the consumer disputes the debt and it is determined to be invalid or not theirs.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.