Consumer complaint received 2023-01-23
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ON XXXX XXXX VISITED XXXX XXXX XXXX  RETAILER ON XXXX XXXXXXXX XXXX XXXX GA TO INQUIRE ABOUT PROSPECTIVE PHONE SERVICE. I WAS INTERESTED IN A LOW MONTHLY SERVICE PLAN, AND UNLIMITED DATA. I WAS INFORMED THAT I WOULD HAVE A BILL EACH MONTH OF {$80.00} AFTER A WHILE OF MEETING WITH THE AGENT I WAS GREETED BY A MANAGER THAT ASSISTED ME ON THE ONLY PLAN AVAILABLE. I WAS STUNNED THAT I COULD GET A LOWER PLAN AMOUNT BUT THE AGENT SAID AHE GAVE ME THE HIGHER PLAN AND THE MANAGER SAYS " I WAS SAYING YOU COULD GIVE HER THE LOWER PLAN BESIDES THE {$80.00} BUT THEY TALKED AMONGST THEMSELVES AND NOT DIRECTLY TO ME AS I WAS PUZZLED. I WAS INFORMED THEN THAT THE ONLY PLAN I COULD RECEIVE WAS THE HIGHER PLAN FOR THAT PARTICULAR PHONE. I WAS TOLD THEY WAS NOT SURE HOW MUCH IT WOULD BE TOTALED EACH MONTH DUE TO TAXES AND OTHER FEES AND THAT THE FIRAT MONTH BILL WOULD BE EXTREMELY HIGHER. I CHOSE THE XXXXXXXX XXXX WHICH WASNT FOR ME BUT FOR MY DAUGHTER FOR HER BIRTHDAY UPCOMING. I LEFT AND WENT TO XXXX ACROSS THE STREET AND SEEN A EXACT SAME XXXX XXXXXXXX FOR {$340.00} WITHOUT CONTRACT. I STARTED TO CHANGE MY MIND BECAUSE I JUST HAD SIGNED A CONTRACT FOR {$640.00}. I KEPT ALL OF MY EMAILS, AND PHONE RECEIPTS FROM XXXX XXXX XXXX I PAID CONSISTENTLY EACH MONTH XXXX OR WHATEVER THE BILL STATED IF THERE WAS A LATE FEE I PAID THAT. I WANTED TO PURCHASE A XXXXXXXX XXXX AROUND XXXX XXXX AND I HAD THE HARDEST OF TIME OF TRYING TO DO AN ONLONE ORDER BUT I WAS PERSISTENT. I CONTACTED CHAT/SUPPORT AND EVEN REPRESENATIVES VIA PHONE TO GET PRICING DETAILS, AND ASSISTANCE WITH ORDERING. I WAS INFORMED THERE WAS A PROMOTION GOING FOR BUY ONE GET ONE FREE SALE. I WAS IN MY OPINION PRESSURED BY THE SALES REP DEPT. I ONLY ONE XXXX XXXX BUT HE CONTINUED TO EXPLAIN I COULD GET ONE BUY ONE FREE AND TO TAKE HIM UP ON THE OFFER AFTER MANY " NO 'S AND NO THANK YOUS '' FROM ME HE WAS RELUCTANT TO GIVE UP ON HIS SALES PITCH. I WAS VERY HESITANT BECAUSE WHY WOULD I NEED 2 XXXX BUT LWT ALONE 4? I BECAME AGITATED. I FELT HE HAD A COMMISSION TO DO BUT THIS WOULD MAKE MY INTERNET/WIRELESS BILL EVEN MORE HIGHER. I FINALLY GAVE IN TO HIS TACTICS AND AGREED TO GET THE BUY ONE GET ONE FREE BUT HE PROMISED ME THE OFFER WAS NO GIMMICK AND NOT HIM TRYING TO TRICK ME BASICALLY SO I SAID OK I KNOW CALL IS RECORDED AND IM HOLD YOU TO YOUR WORDS. HE SAID I WOULD ONLY BE RESPONSIBLE FOR THE WIRELESS INSURANCE AND THE 1ST XXXX FROM BUY ONE GET ONE FREE NOT HAVING TO PAY FOR ALL FOR ONLY THE 1ST AND SECOND XXXX  ONLY. AND DATA PLAN. I WAS TOLD I WOULD. BE ABLE TO GET ON INTERNET, MAKE CALLS, AND THE XXXX XXXXXXXX XXXX  WOULD WORK AS SHOWN ONLINE. THIS WASNT TRUE AT ALL. I WAS TOLD I HAD TO GET A SD CARD BY REPS AND I WOULD BE ABLE TO USE THE PHONE FOR DATA AND I TRAVELED TO THE XXXXXXXX XXXX XXXX STORE AND THAT WAS NOT TRUE BUT FALSE. THEY CHECKED MY PHONES AND I EXPLAINED EVERYTHING AND EVEN THE RETAILER WANTED TO KNOW WHY I WAS LIED TO ABOUT HAVING TO INSERT SD CARD TO USE. ALSO THEY MIALED ME VIA PHONE TOLD ME THAT I COULD USE THE XXXX WITH OTHER CARRIERS IF I WANTED TO USE ANOTHER COMPANIES PHONES BUT THAT WAS ALSO FALSE. SO I BASICALLY ENDED UP WASTING MONEY BUYING ALL OF THESE XXXX FROM XXXX TRYING TO USE WITH THE XXXX. I WAS SO DISSAPOINTED. I WAS TRYING TO SEND THE WATCHES BACK TO XXXX XXXX XXXX AND ALL VIA SHIPMENT AND XXXX XXXX XXXX BECAUSE IT WASNT WHAT I EXPECTED. ESPECIALLY AFTER THEY TELL YOU ONE THING AND I WOULD BE OUT AND EVEN WITH THE XXXX XXXX XXXX PHONE I PURCHASED THE DATA WHICH SUPPOSED ALL OF THEM HAD THEIR OWN PHONE NUMBERS I COULDNT EVEN USE THE SERVICE IN WHICH I INFORMED XXXX XXXX XXXX I FELD DISREGARDED. I EVEN CONTACTED THE PRESIDENT OF XXXX XXXX XXXX  AND EMAILED HIM AND ALSO SUPERVISORS I HAD TO FIGHT NAIL AND TOOTH TO GET THEM ON PHONE TO EXPLAIN MY SITUATION..MY MOTHER PASSED AWAY XX/XX/XXXX, COUSIN XX/XX/XXXX, XXXX XX/XX/XXXX, AND MY OTHER COUSIN TRAGICALLY XX/XX/XXXX. I HAD A ROUGH LAST YEAR AND I WAS FINANCIALLY GOING THROUGH A TOUGH TIME, AND WAS PAYING CONTINUOUSLY ON IT AND WAS TOLD BY XXXX XXXX XXXX  REPS THEY WOULD HELP ME AND WOULD TAKE THIS OFF MY BILL AND ISSUE ME CREDITS AND THEY CLAIM THEY WOULD BUT THE NEXR MONTH THEY WOULD JUST ADD LATE FEE OR WHATEVER FEE BACK TO ACCOUNT SO BASICALLY DELAY THE PAYMENT WHICH IA DISCEPTION. I TOLD THEM TO CLOSE MY ACCOUNT AND THEY WERE RELUCTANT AND TRIED TO OFFER ALTERNATIVES AND THREATENING THAT IF THEY DO SO I WOULD HAVE TO RESTART OVER AS IF I NEVER PAID AT ALL. SAY IF I OWED LIKE XXXX ON THE CONTRACT THEY WAS STATING I WOULD HAVE TO PAY {$1800.00} ] IF ITS CLOSED. I WAS PAYING FROM MAY XXXX XXXX ALL I WANTED WAS MY BILL TO BE CUT IN HALF BECAUSE I DIDNT HAVE THE SAME INCOME ANYMORE AND MY REPRESENATIVE PAYEE PASSED AWAY AND MY FUNDS IN HER BANK ACCOUNT WAS HELD FOR A MONTH WHICH DELAYED ME PAYING BILLS SO I WAS BEHIND FOR A MONTH AND ONCE I CAUGHT BACK UP IT TOOK 2-3 MONTHS. I EXPLAINED THE SITUATION TO XXXX XXXX XXXX. THE BILL I RECEIVED WENT FROM {$400.00} TO LIKE {$1300.00} TO XXXX I HAD PROOF OF ALL THE PAYMENTS AND CONFIRMED THEY SENT ME EVERY MONTH..I DONT THINK ITS FAIR THAT I HAVE TO RESTART OVER. I GAVE THEM MONEY XXXX. I EVEN WANTED TO PAY THEM OFF IN XXXX WHEN I HAD THE MONEY TO BECAUSE THEY SAID I ONLY OWED 2 MORE PAYMENTS ON THE PHONE BILL SO THAT WOULD BE LIKE {$300.00} AND SOME DOLLARS. IF THEY CANT GUVE ME A LOWER PERCENTAGE THAN XXXX THATS ALOT. ITS A RECESSION RIGHT NOW, I RECEIVE XXXX AND THEY SOLD MY DEBT TO CREDENCE RESOURCE A DEBT COLLECTION AGENCY. I HAVE NO CONTRACT WITH CREDENCE RESOURCE. EVEN IF THEY TRY TO VALIDATE THAT CAN THEY PROVE I OWE {$1800.00} AFTER IVE PAID PROBABLY OVER XXXX 'S ALREADY.? I HAVE RECEIPTS I WILL SCREENSHOT THEM. I NEVER DISAGREED TO PAY EACH MONTH I ONLY TOLD THEM AROUND XXXX OR XXXX TO HELP ME GET CAUGHT UP AND MAKE BILL LOWER THEY REFUSED. THEY DONT CSRE WHAT A CUSTOMER GOES THROUGH LONG AS THE WHOLE BALANCE IS PAID IN FULL.

Company response to consumer: Closed with non-monetary relief