Debt collection -- Attempts to collect debt not owed -- Complaint #20883329
Consumer disputes debt validity with Kriya Capital
Complaint Overview
Complaint ID: 20883329
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: Arkansas
ZIP Code: 72116
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: 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, Identity theft
AI Analysis
CFPB complaint 20883329 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 2, 2026 from Arkansas. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should gather any documentation proving the debt is not theirs and formally dispute the debt with Kriya Capital in writing.
Legal Context & Consumer Protection Laws
Debt collection practices are governed by the Fair Debt Collection Practices Act (FDCPA), which prohibits collectors from using deceptive or abusive tactics and requires them to validate debts upon request.
Regulatory Insight
Collectors must cease collection efforts on a debt if the consumer disputes its validity and provides evidence, pending verification.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint was filed in Arkansas, and state laws may also provide additional consumer protections regarding debt collection.
Industry Comparison
This situation is common in the debt collection industry, where disputes over debt ownership or validity frequently arise.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20883329 about?
CFPB complaint 20883329 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 2, 2026.
Which company is complaint 20883329 filed against?
Complaint 20883329 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 20883329?
Kriya Capital, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20883329 filed?
Complaint 20883329 was received by the CFPB on April 2, 2026. It was sent to Kriya Capital, LLC on April 2, 2026.
What state was complaint 20883329 filed from?
Complaint 20883329 was filed from Arkansas. You can view all complaints from this state at /state/AR.
Was the consumer satisfied with the resolution of complaint 20883329?
Dispute information is not available for complaint 20883329.
What product category is complaint 20883329 about?
Complaint 20883329 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 20883329 submitted?
Complaint 20883329 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 20883329?
Debt collection practices are governed by the Fair Debt Collection Practices Act (FDCPA), which prohibits collectors from using deceptive or abusive tactics and requires them to validate debts upon request. This relates to a Debt collection complaint against Kriya Capital, LLC involving "Attempts to collect debt not owed".
How likely is complaint 20883329 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 20883329?
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 20883329?
Collectors must cease collection efforts on a debt if the consumer disputes its validity and provides evidence, pending verification. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20883329?
Consumers should gather any documentation proving the debt is not theirs and formally dispute the debt with Kriya Capital in writing.
Are there state-specific protections for complaint 20883329?
The complaint was filed in Arkansas, and state laws may also provide additional consumer protections regarding debt collection. This complaint was filed from Arkansas.
How does complaint 20883329 compare to industry norms?
This situation is common in the debt collection industry, where disputes over debt ownership or 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 send a written dispute letter to the debt collector via certified mail, requesting validation of the debt and providing any evidence that the debt is not theirs. They should also consider filing a complaint with the CFPB and relevant state agencies.
What are the obligations of a debt collector when a debt is disputed?
Upon receiving a written dispute, the debt collector must cease collection activities until they have verified the debt and mailed verification to the consumer. They cannot continue collection efforts if the debt is found to be invalid or if the consumer provides proof it's not theirs.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.