Debt collection -- Attempts to collect debt not owed -- Complaint #20878670
Debt Collector Pursues Discharged Bankruptcy Debt
Complaint Overview
Complaint ID: 20878670
Company: Kriya Capital, LLC
Product: Debt collection
Sub-Product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was already discharged in bankruptcy and is no longer owed
State: Indiana
ZIP Code: 47909
Date Received: 2026-04-02T12:00:00-05:00
Date Sent to Company: 2026-04-02T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: high
Attempting to collect a debt that has been legally discharged in bankruptcy is a serious violation of federal law, specifically the Fair Debt Collection Practices Act (FDCPA).
Consumer Sentiment: negative
Topics: Debt Collection, Bankruptcy, FDCPA
AI Analysis
CFPB complaint 20878670 was filed against Kriya Capital, LLC regarding Debt collection (Telecommunications debt), specifically about "Attempts to collect debt not owed". A consumer filed a complaint against Kriya Capital, LLC for attempting to collect a debt that had already been discharged in bankruptcy. The complaint was received on April 2, 2026 from Indiana. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should immediately inform the debt collector in writing that the debt was discharged in bankruptcy and provide proof of discharge if possible, and consider filing a complaint with the CFPB and relevant state authorities.
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 legally owed.
Regulatory Insight
Regulators view attempts to collect discharged debts as a direct violation of consumer bankruptcy protections and a failure to adhere to the FDCPA.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Indiana, consumers are protected by state laws in addition to federal laws like the FDCPA regarding debt collection practices.
Industry Comparison
This practice is a significant issue within the debt collection industry, often leading to substantial penalties for non-compliant companies.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20878670 about?
CFPB complaint 20878670 involves Debt collection (Telecommunications debt). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt was already discharged in bankruptcy and is no longer owed". This complaint was filed against Kriya Capital, LLC on April 2, 2026.
Which company is complaint 20878670 filed against?
Complaint 20878670 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 20878670?
Kriya Capital, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20878670 filed?
Complaint 20878670 was received by the CFPB on April 2, 2026. It was sent to Kriya Capital, LLC on April 2, 2026.
What state was complaint 20878670 filed from?
Complaint 20878670 was filed from Indiana. You can view all complaints from this state at /state/IN.
Was the consumer satisfied with the resolution of complaint 20878670?
Dispute information is not available for complaint 20878670.
What product category is complaint 20878670 about?
Complaint 20878670 is categorized under "Debt collection", specifically "Telecommunications debt". This is one of the product categories tracked by the CFPB.
How was complaint 20878670 submitted?
Complaint 20878670 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 20878670?
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive or unfair practices, including attempting to collect debts that are not legally owed. This relates to a Debt collection complaint against Kriya Capital, LLC involving "Attempts to collect debt not owed".
How likely is complaint 20878670 to be resolved?
Resolution likelihood: likely. 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 20878670?
This complaint is rated as high risk. Attempting to collect a debt that has been legally discharged in bankruptcy is a serious violation of federal law, specifically the Fair Debt Collection Practices Act (FDCPA).
What regulatory actions apply to complaint 20878670?
Regulators view attempts to collect discharged debts as a direct violation of consumer bankruptcy protections and a failure to adhere to the FDCPA. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20878670?
Consumers should immediately inform the debt collector in writing that the debt was discharged in bankruptcy and provide proof of discharge if possible, and consider filing a complaint with the CFPB and relevant state authorities.
Are there state-specific protections for complaint 20878670?
In Indiana, consumers are protected by state laws in addition to federal laws like the FDCPA regarding debt collection practices. This complaint was filed from Indiana.
How does complaint 20878670 compare to industry norms?
This practice is a significant issue within the debt collection industry, often leading to substantial penalties for non-compliant companies.
What are the specific consequences for a debt collector attempting to collect a debt discharged in bankruptcy?
Consequences can include FDCPA violations, potential lawsuits from the consumer, and regulatory action from agencies like the CFPB, leading to fines and other penalties.
How can a consumer prove a debt was discharged in bankruptcy?
A consumer can provide a copy of the bankruptcy discharge order from the court to the debt collector as proof.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.