Debt collection -- Attempts to collect debt not owed -- Complaint #20893070
Consumer disputes Kriya Capital's collection of unknown telecom debt
Complaint Overview
Complaint ID: 20893070
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: California
ZIP Code: 92395
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 because the consumer claims the debt is not theirs, which could indicate an error in reporting or an attempt to collect a debt from another party.
Consumer Sentiment: negative
Topics: Debt collection, Telecommunications debt, Disputed debt
AI Analysis
CFPB complaint 20893070 was filed against Kriya Capital, LLC regarding Debt collection (Telecommunications debt), specifically about "Attempts to collect debt not owed". A consumer in California is disputing a debt collection attempt by Kriya Capital, LLC for a telecommunications debt that they claim is not theirs. The complaint was received on April 2, 2026 from California. 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 dispute it in writing with both the debt collector and the credit bureaus.
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 unfair practices, including attempting to collect debts that are not owed.
Regulatory Insight
Regulators are concerned about debt collectors pursuing debts that consumers do not owe, as this can lead to significant consumer harm and erode trust in the financial system.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In California, consumers have specific rights under state law regarding debt collection, in addition to federal protections.
Industry Comparison
This situation is common in the debt collection industry, where errors in debt assignment or reporting can lead to consumers being pursued for debts they do not owe.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20893070 about?
CFPB complaint 20893070 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 2, 2026.
Which company is complaint 20893070 filed against?
Complaint 20893070 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 20893070?
Kriya Capital, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20893070 filed?
Complaint 20893070 was received by the CFPB on April 2, 2026. It was sent to Kriya Capital, LLC on April 2, 2026.
What state was complaint 20893070 filed from?
Complaint 20893070 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 20893070?
Dispute information is not available for complaint 20893070.
What product category is complaint 20893070 about?
Complaint 20893070 is categorized under "Debt collection", specifically "Telecommunications debt". This is one of the product categories tracked by the CFPB.
How was complaint 20893070 submitted?
Complaint 20893070 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 20893070?
Debt collection practices are governed by the Fair Debt Collection Practices Act (FDCPA), which prohibits 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 20893070 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 20893070?
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 reporting or an attempt to collect a debt from another party.
What regulatory actions apply to complaint 20893070?
Regulators are concerned about debt collectors pursuing debts that consumers do not owe, as this can lead to significant consumer harm and erode trust in the financial system. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20893070?
Consumers should gather any documentation proving the debt is not theirs and dispute it in writing with both the debt collector and the credit bureaus.
Are there state-specific protections for complaint 20893070?
In California, consumers have specific rights under state law regarding debt collection, in addition to federal protections. This complaint was filed from California.
How does complaint 20893070 compare to industry norms?
This situation is common in the debt collection industry, where errors in debt assignment or reporting can lead to consumers being pursued for debts they do not owe.
What steps should a consumer take if they receive a debt collection notice for a debt they do not recognize?
The consumer should immediately send a written dispute letter to the debt collector requesting validation of the debt and also dispute the debt with the relevant credit bureaus.
What are the potential consequences for a debt collector attempting to collect a debt that is not owed?
Debt collectors can face legal action and penalties under the FDCPA and state laws if they are found to be attempting to collect debts that are not owed or are inaccurate.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.