Consumer complaint received 2022-02-08
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received an " account notification '' from Credence Resource Management , LLC saying I owe them {$250.00} to resolve the account for less than the full amount of {$460.00} from XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I sent Credence Resource Management , LLC a Debt Verification Letter via certified mail. The following letter states, " Dear Credence : This letter is in response to your letter dated XX/XX/XXXX. I request that you provide verification of this debt. 
Please send the following information : 1. To whom do you think I owe this debt and what amount do you claim I owe? I will need the name, address and account number for the creditor, in addition to the amount owed. If this debt started with a different creditor, I will need the name, address and account number for the original creditor, the amount owed and the date when the debt was transferred. 
2. Please provide a valid basis for the debt, such as the original contract between me and original creditor. Tell me the date the debt became delinquent and the date the last payment was made.

3. Provide me a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law. 
4. If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item.

5. Whether this debt is within the statute of limitations and how you determined that issue. 
6. Details about your authority to collect this debt.

7. Does your agency have a debt collection license in Texas? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. If you do not have a license, please explain why. If you are contacting me from outside my state, provide the licensing information from your state as well. 

I requested this information so that I can make an informed decision on whether I am responsible for the debt. I will need your response to make that decision and would be open to communicating with you on this matter. I would like to know if you are prepared to accept less than the balance you claim is owed. If so, put your offer in writing with the amount you will accept to fully resolve the matter. 

Please treat this debt as being in dispute. I look forward to your response. Thank you for your cooperation. 

Sincerely, XXXX XXXX '' On XX/XX/XXXX, I received a " Dispute Investigation Response '' from Credence, but was not given the information I requested. In this letter from Credence they state, " We received your dispute on the above account. We have investigated your dispute and verified that the charges on your account are valid. Please call the toll free number below for assistance or any queries. XXXX XXXX XXXX : - XXXX. '' I was not given any verification of this " debt ''

Company response to consumer: Closed with non-monetary relief