Debt collection -- Attempts to collect debt not owed -- Complaint #20853907
Consumer Claims Debt Collection is for an Unowed Debt
Complaint Overview
Complaint ID: 20853907
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: Alabama
ZIP Code: 35404
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 disputes the validity of the debt, which could lead to legal challenges if the debt collector cannot prove it is owed.
Consumer Sentiment: neutral
Topics: Debt collection, Disputed debt
AI Analysis
CFPB complaint 20853907 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 Alabama. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should gather any documentation they have to prove the debt is not theirs and respond in writing to the debt collector.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive or unfair practices, including attempting to collect debts that are not owed.
Regulatory Insight
Regulators may investigate if Kriya Capital, LLC has a pattern of attempting to collect debts from consumers who do not owe them.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint was filed in Alabama, and state laws may also provide protections for consumers against unfair debt collection practices.
Industry Comparison
This is a common issue in the debt collection industry, where disputes over debt ownership frequently arise.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20853907 about?
CFPB complaint 20853907 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 20853907 filed against?
Complaint 20853907 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 20853907?
Kriya Capital, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20853907 filed?
Complaint 20853907 was received by the CFPB on April 1, 2026. It was sent to Kriya Capital, LLC on April 1, 2026.
What state was complaint 20853907 filed from?
Complaint 20853907 was filed from Alabama. You can view all complaints from this state at /state/AL.
Was the consumer satisfied with the resolution of complaint 20853907?
Dispute information is not available for complaint 20853907.
What product category is complaint 20853907 about?
Complaint 20853907 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 20853907 submitted?
Complaint 20853907 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 20853907?
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive or unfair practices, including attempting to collect debts that are not owed. This relates to a Debt collection complaint against Kriya Capital, LLC involving "Attempts to collect debt not owed".
How likely is complaint 20853907 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 20853907?
This complaint is rated as medium risk. The risk is medium as the consumer disputes the validity of the debt, which could lead to legal challenges if the debt collector cannot prove it is owed.
What regulatory actions apply to complaint 20853907?
Regulators may investigate if Kriya Capital, LLC has a pattern of attempting to collect debts from consumers who do not owe them. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20853907?
Consumers should gather any documentation they have to prove the debt is not theirs and respond in writing to the debt collector.
Are there state-specific protections for complaint 20853907?
The complaint was filed in Alabama, and state laws may also provide protections for consumers against unfair debt collection practices. This complaint was filed from Alabama.
How does complaint 20853907 compare to industry norms?
This is a common issue in the debt collection industry, where disputes over debt ownership frequently arise.
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 to request debt validation. 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 damages, under laws like the FDCPA if they are found to be attempting to collect debts that are not owed or are invalid.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.