Debt collection -- Attempts to collect debt not owed -- Complaint #20928930
Consumer disputes debt collection due to alleged identity theft.
Complaint Overview
Complaint ID: 20928930
Company: Kriya Capital, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Texas
ZIP Code: 76087
Date Received: 2026-04-03T12:00:00-05:00
Date Sent to Company: 2026-04-03T12:00:00-05:00
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 fraudulent, which could lead to legal challenges if the debt collector cannot prove its validity.
Consumer Sentiment: neutral
Topics: Debt collection, Identity theft, Disputed debt
AI Analysis
CFPB complaint 20928930 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 the result of identity theft. The complaint was received on April 3, 2026 from Texas. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should gather all evidence of identity theft and dispute the debt in writing with 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 identity theft victims without proper verification.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originates from Texas, and state laws may also provide protections against unfair debt collection practices.
Industry Comparison
This is a common issue in the debt collection industry, where disputes over debt validity, including those arising from identity theft, frequently occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20928930 about?
CFPB complaint 20928930 involves Debt collection (I do not know). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This complaint was filed against Kriya Capital, LLC on April 3, 2026.
Which company is complaint 20928930 filed against?
Complaint 20928930 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 20928930?
Kriya Capital, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20928930 filed?
Complaint 20928930 was received by the CFPB on April 3, 2026. It was sent to Kriya Capital, LLC on April 3, 2026.
What state was complaint 20928930 filed from?
Complaint 20928930 was filed from Texas. You can view all complaints from this state at /state/TX.
Was the consumer satisfied with the resolution of complaint 20928930?
Dispute information is not available for complaint 20928930.
What product category is complaint 20928930 about?
Complaint 20928930 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 20928930 submitted?
Complaint 20928930 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 20928930?
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 20928930 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 20928930?
This complaint is rated as medium risk. The risk is medium because the consumer claims the debt is fraudulent, which could lead to legal challenges if the debt collector cannot prove its validity.
What regulatory actions apply to complaint 20928930?
Regulators may investigate if Kriya Capital, LLC has a pattern of attempting to collect debts from identity theft victims without proper 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 20928930?
Consumers should gather all evidence of identity theft and dispute the debt in writing with the debt collector.
Are there state-specific protections for complaint 20928930?
The complaint originates from Texas, and state laws may also provide protections against unfair debt collection practices. This complaint was filed from Texas.
How does complaint 20928930 compare to industry norms?
This is a common issue in the debt collection industry, where disputes over debt validity, including those arising from identity theft, frequently occur.
What steps should a consumer take if they believe a debt collector is attempting to collect a debt resulting from identity theft?
The consumer should immediately notify the debt collector in writing that the debt is disputed and that they are a victim of identity theft. They should also provide any supporting documentation and consider filing a police report.
What is the responsibility of a debt collector when a consumer disputes a debt due to identity theft?
Upon receiving written notice of a dispute and identity theft, the debt collector must cease collection efforts until they have verified the debt and the consumer's liability. They must also provide validation of the debt to the consumer.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.