Debt collection -- Attempts to collect debt not owed -- Complaint #20854262
Consumer Disputes Unowed Telecommunications Debt Collection
Complaint Overview
Complaint ID: 20854262
Company: Kriya Capital, LLC
Product: Debt collection
Sub-Product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Washington
ZIP Code: 99206
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 is not theirs, which could indicate an error in debt reporting or an attempt to collect a fraudulent debt.
Consumer Sentiment: negative
Topics: Debt Collection, Consumer Protection, Telecommunications
AI Analysis
CFPB complaint 20854262 was filed against Kriya Capital, LLC regarding Debt collection (Telecommunications debt), specifically about "Attempts to collect debt not owed". A consumer in Washington State is disputing a debt collection attempt by Kriya Capital, LLC, claiming the debt is not theirs, and the complaint is currently in progress. The complaint was received on April 1, 2026 from Washington. 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 formally notify Kriya Capital in writing that they do not owe the debt.
Legal Context & Consumer Protection Laws
Debt collection agencies must have a legal basis to collect a debt and must cease collection efforts if the consumer disputes the debt's validity.
Regulatory Insight
This case highlights the importance of accurate debt reporting and the need for collectors to verify debt ownership before attempting collection.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Washington State, consumers have rights under the Fair Debt Collection Practices Act (FDCPA) and state-specific laws to dispute debts and stop collection attempts.
Industry Comparison
Telecommunications debt collection is a common area for disputes, especially when incorrect or outdated information leads to collection attempts on debts that are not owed.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20854262 about?
CFPB complaint 20854262 involves Debt collection (Telecommunications debt). 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 20854262 filed against?
Complaint 20854262 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 20854262?
Kriya Capital, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20854262 filed?
Complaint 20854262 was received by the CFPB on April 1, 2026. It was sent to Kriya Capital, LLC on April 1, 2026.
What state was complaint 20854262 filed from?
Complaint 20854262 was filed from Washington. You can view all complaints from this state at /state/WA.
Was the consumer satisfied with the resolution of complaint 20854262?
Dispute information is not available for complaint 20854262.
What product category is complaint 20854262 about?
Complaint 20854262 is categorized under "Debt collection", specifically "Telecommunications debt". This is one of the product categories tracked by the CFPB.
How was complaint 20854262 submitted?
Complaint 20854262 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 20854262?
Debt collection agencies must have a legal basis to collect a debt and must cease collection efforts if the consumer disputes the debt's validity. This relates to a Debt collection complaint against Kriya Capital, LLC involving "Attempts to collect debt not owed".
How likely is complaint 20854262 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 20854262?
This complaint is rated as medium risk. The risk is medium because the consumer claims the debt is not theirs, which could indicate an error in debt reporting or an attempt to collect a fraudulent debt.
What regulatory actions apply to complaint 20854262?
This case highlights the importance of accurate debt reporting and the need for collectors to verify debt ownership before attempting collection. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20854262?
Consumers should gather all documentation related to the debt and their dispute, and formally notify Kriya Capital in writing that they do not owe the debt.
Are there state-specific protections for complaint 20854262?
In Washington State, consumers have rights under the Fair Debt Collection Practices Act (FDCPA) and state-specific laws to dispute debts and stop collection attempts. This complaint was filed from Washington.
How does complaint 20854262 compare to industry norms?
Telecommunications debt collection is a common area for disputes, especially when incorrect or outdated information leads to collection attempts on debts that are not owed.
What steps should the consumer take if Kriya Capital continues to attempt collection after the dispute?
The consumer should consider filing a formal complaint with the CFPB and their state's Attorney General's office, and may wish to consult with a consumer protection attorney.
What is the typical process for debt validation when a debt is disputed?
Upon written request, a debt collector must provide verification of the debt, including the amount, the name of the creditor, and proof that they are authorized to collect the debt.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.