Debt collection -- Attempts to collect debt not owed -- Complaint #6087762
Complaint Overview
Complaint ID: 6087762
Company: Kriya Capital, LLC
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: South Carolina
ZIP Code: 29406
Date Received: 2022-10-14T12:00:00-05:00
Date Sent to Company: 2022-10-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022, I received a letter from a debt collector about an unpaid balance from XXXX XXXX XXXX for {$130.00}. I responded within a few days asking for verification of debt which is my legal rights. I asked for a few verifications items which I never received. I asked for proof to show I agreed to pay what they say I owe ; when was the account purchased from alleged debtor, I asked for the company to prove the Statute of Limitations has not expired on this account ; I asked for license and registred agent ; and I asked to show me they are licensed to collect in my state. The company did not respond with any requested information, except a bill with my name. On XX/XX/2022. I responded by XXXX to Credence Resource Management that the account did not belong to me and they would have XXXX days to prove it was my account, and not fraud. The company never responded. I also stated : " If your offices can provide the proper documentation as requested in the following Declaration, I will require at least XXXX days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. '' On XX/XX/2022, I received an alert about a negative mark on my credit from Credence Resource Management. This is clearly a violation of the Fair Credit Reporting Act, a violation of the Fair Debt Collection Practices Act, and defamation of character. I can legally bring suit for this violation and I am giving the company time to reconcile the wrongdoings before it causes any financial harm to my good name.
Frequently Asked Questions
What is Complaint #6087762 about?
Complaint #6087762 was filed against Kriya Capital, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-10-14T12:00:00-05:00.
How did Kriya Capital, LLC respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Kriya Capital, LLC?
Yes, visit the Kriya Capital, LLC company profile at readthecomplaint.com/company/kriya-capital-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.