Consumer complaint received 2022-03-14
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PURSUANT 15USC1692 ( a ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 


I THE CONSUMER CHECKED MY CONSUMER REPORT AN NOTICE CREDENCE RESOURCE MANAGEMENT SAYS THAT I HAVE A DEBT OF {$2900.00} I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY I ASKED FOR VALIDATION OF THE DEBT, ORIGINAL CREDITOR, ORIGINAL CONTRACT SIGNED BY BOTH PARTIES.THEY SENT THE CONSUMER A MADE UP VERIFICATION OF BALANCE WHICH IS NOT A CONTRACT THEN THEY SENT THE CONSUMER A FAKE CONTRACT IN WHICH IT IS NOT MY SIGNATURE ON I. ALSO IF THE DEBT WAS ALLEGED ACCOUNT WAS OPENED XXXX CREDENCE SAYS XXXX HOWEVER THE COPY OF THE ALLEGED CONTRACT HAS XXXX XXXX AS IF THEY JUST COPIED AN PASTE TO MAKE THE DEBT LOOK ACCURATE THEY ARE USING UNFAIR AN LAWFUL MEANS TO COLLECT A DEBT THEY ARE USING FALSE AN MISLEADING FORMS.. THEY VIOLATED THE FDCRA.

CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX To Whom this may concern.

I the CONSUMER ( 15 USC 1692a ( 3 ) ) agree to any debt obligation or alleged obligation that I may LAWFULLY OWE, ONLY IF THEY'RE COLLECTED FAIR, LAWFUL AND FOLLOW GUIDELINES ACCORDING TO THE ( FDCPA ). Pursuant to 15 USC 1692- Congressional Finding The FDCPA was created to make sure I the consumer retain fairness when it comes to the collection of my alleged debts. I the consumer has noticed that there is an abundant amount of abusive, deceptive, an unfair practice being done to me when it comes to CREDENCE RESOURCE MANAGEMENT, they have violated ONE OR MORE OF THE FDCPA GUIDELINES. I THE CONSUMER NOTICE THAT DEBT COLLECTORS LIKE CREDENCE RESOURCE MANAGEMENT NOT ABIDING BY THE FDCPA LAWS IT MAKES ALL DEBT COLLECTORS LOOK LIKE FRAUDSTERS, WHICH IS NOT FAIR TO THE HONEST DEBT COLLECTORS ' REPUTATION. ( 12CFR1006.1 ( a ( b ) ).

I the consumer requested a VALIDATION OF THE DEBT ( 15 USC 1692g ( b ) ) from CREDENCE RESOURCE MANAGEMENT on XX/XX/XXXX they sent me an email on XX/XX/XXXX with VERIFICATION OF BALANCE STATEMENT ( 15 USC 1692b ( 2 ) contained statement this is an attempt to collect a debt ) which is not a VALIDATION OF THE DEBT. Nor it is an original contract or invoice signed by both parties. I the consumer responded on XX/XX/XXXX. This is NOT A CONTRACT OR INVOICE. CREDENCE RESOURCE MANAGEMENT responded on XX/XX/XXXX with a COPY OF A FALSE AND MISLEADING CONTRACT. That is in fact not a CONTRACT or a legal binding instrument as a legal binding instrument require signatures of BOTH participating parties. The signature on the alleged contract isn't even my signature it also doesnt contain signature of other party. I the consumer also request that you send me a copy of a signed agreement between I the consumer and credence resource management.

( 15 USC 1692d ( 2 ) IT WAS OBSCENE AN PROFANE TO ME ) that they are attempting to collect a debt with a positive balance of {$2900.00}. I the consumer would like to state under the FDCPA 15 USC 1692e ( 2 ) ( A ) The amount that is allegedly owed is FALSE AN MISLEADING information. Under 15 USC 16
66 the statement contains a billing error with debt being a positive and not a negative balance. To my understanding if the balance is positive how can this be considered a debt? ALSO ACCORDING TO XXXX, I OWE THEM NOTHING. THIS DEBT IS UNPLAYABLE DUE TO BALANCE BEING POSITIVE AND ACCORDING TO ( ARTICLE 1 SECTION US CONSTITUTION DEBTS CAN ONLY BE PAID WITH GOLD AN SILVER ). I the consumer HAS NEVER DONE ANY BUSINESS WITH CREDENCE RESOURCE MANAGEMENT I the consumer also notice that CREDENCE RESOURCE MANAGEMENT has a different date for the opening date of alleged debt than on MY CONSUMER REPORT according to my consumer report the alleged account was opened on XX/XX/XXXX. According to the contract that credence provided, that was allegedly given to them by the creditor the account was opened on XX/XX/XXXX. Which make this account and the reporting of this account INACCURATE. 

I THE CONSUMER WOULD LIKE TO INVOKE MY SPECIFIED REMEDY AS ORIGINAL CREDITOR AND CONSUMER. 

UNDER 15 USC 1692c ( c ) Ceasing communication - REFUSE to pay debts or alleged is the choice of the consumer I THE CONSUMER WOULD LIKE TO REFUSE THIS DEBT WHICH IS COMING FROM A 3RD PARTY COLLECTION AGENCY IN WHICH I THE CONSUMER HAVE NEVER DONE ANY BUSINESS WITH OR SIGNED ANY CONTRACTS WITH, I WOULD LIKE CREDENCE RESOURCE MANAGEMENT TO CEASE CONTACT WITH ME. YOU MAY ONLY CONTACT ME TO ADVISE THE DEBT HAS BEEN DISCHARGED, WITH THE VALIDATION OF THIS ALLEGED DEBT, OR THAT THE DEBT HAS BEEN REMOVED FROM MY CONSUMER REPORT. IN WHICH I THE CONSUMER HAS NEVER GIVEN WRITTEN CONSENT FOR ANY REPORTING AGENCIES TO REPORT ON MY CONSUMER REPORT FROM THE START. ( FCRA 15 USC 1681b ( a ) ( 2 ) ).

AS IT SEEMS CREDENCE AND THE REPORTING AGENCIES IS COMMITTING FRAUD AND ( INVASION OF MY CONSUMER RIGHT TO PRIVACY BY ADVERTISING THIS ALLEGED DEBT ON MY CONSUMER REPORT 15USC1681 ( a ) ( 4 ) ) I THE CONSUMER IS REQUESTING ONCE AGAIN FOR THIS DEBT TO BE VALIDATED, NAME AND ADDRESS OF ORIGINAL CREDITOR. ( PURSUANT TO 15USC 1692g ( b ) ). I ALSO CHOOSE TO INVOKE RULE 1002 TO REQUEST ORIGINAL CONTRACT OR AGREEMENT NOT A COPY. THIS IS NOT AN ATTEMPT TO VERIFY BALANCE OR DEBT I THE CONSUMER WANT CREDENCE RESOURCE MANAGEMENT TO VALIDATE THIS DEBT as required pursuant to 15USC 1692g ( b ).

ALL COLLECTIONS MUST STOP AS OF THIS LETTER INCLUDING THE REPORTING OF ANY NEW OR OLD INFORMATION TO CONSUMER REPORT OR REPORTING AGENCIES. THIS NOT AN OPTION THIS IS FEDERAL LAW PURSANT TO 15 USC 1692g ( b ). PROMPTLY DELETE THIS OFF MY CONSUMER REPORT. 

IF THE REQUESTED INFORMATION CAN NOT BE PROVIDED WITH IN 30 DAYS OR I RECEIVE NO RESPOND THIS DEBT NEED TO AND WILL BE DISCHARGED AN REMOVED FROM MY CONSUMER REPORT. BEING THAT IT HAS INACCURATE INFORMATION SUCH AS ACCOUNT OPEN DATE THIS NEED TO BE DISCHARGED AND REMOVED ANYWAYS. 

BEING IN VALIDATION THIS DEBT STILL NEED TO BE REMOVED FROM COLLECTIONS AN OFF OF MY CONSUMER REPORT. CONTACT ME VIA EMAIL XXXX MONDAY-FRIDAY SAT AN SUN-ANYTIME AFTER XXXX UNTIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX

Company response to consumer: Closed with non-monetary relief