Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I closed an XXXX XXXX XXXX cell phone account in XXXX and switched carriers. I owed a balance on a device that was financed but was unaware of the liability, thinking that I had paid my last monthly bill and satisfied my obligation to XXXX XXXX XXXX. Some months later, I started receiving collection calls about the account advising that I owed {$190.00} to XXXX XXXX XXXX. I checked my account online and it showed a {$0.00} balance on my closed account, so I disregarded the calls, thinking they might be a scam. The calls stopped for some time but then I started receiving calls from XXXX XXXX XXXX about the XXXX XXXX XXXX account being past due. I advised this organization that I was under the impression that my account was closed and paid in full, but they maintained over multiple calls that I owed XXXX XXXX XXXX {$190.00}. They seemed more legitimate and were able to provide me with my former XXXX XXXX XXXX account number so that I could verify the debt myself with XXXX XXXX XXXX. I then called XX/XX/XXXX and was able, after speaking to multiple representatives, to verify that I did have a past due balance of {$190.00}. I paid the past due balance directly to XXXX XXXX XXXX on XX/XX/XXXX and was advised that they would take my account out of collection status. After paying the balance, I continued receiving regular phone calls from XXXX XXXX XXXX about the past due account. I advised them that I had paid XXXX XXXX XXXX directly and they continued to tell me that they had no record of my payment. On XX/XX/XXXX I received another call from XXXX XXXX XXXX and, once again, advised them that I had satisfied the obligation. The representative asked me if I had documentation and offered me an email address to send it if I did. I advised that I has a record of the transaction on my bank statement and the representative stated that it would be sufficient for me to email a photo of that transaction. I emailed my documentation of payment on XX/XX/XXXX to XXXX. On XX/XX/XXXX I received a notification that XXXX XXXX XXXX reported a delinquent account to the credit reporting bureaus that was reflecting on my credit report negatively. I spoke to XXXX XXXX XXXX XXXX times since that date and was advised that they can not remove the delinquent report until XXXX XXXX XXXX notifies them of my payment. I called XX/XX/XXXX and was advised that they had removed my account from collection status and made notification to the collection agency. I re-contacted XXXX XXXX XXXX again and requested that they remove the delinquent report from my credit report and they refused while chastising me for having paid XXXX XXXX XXXX directly and not making payment to them. I contactedXX/XX/XXXX XXXX more time and explained the situation. The collections department representative from XX/XX/XXXX advised me that there was no reason on their end for any collection efforts or credit reporting as I have a {$0.00} balance with XXXX XXXX XXXX. The representative further advised me to file this complaint. This complaint was resolved but I have now received new correspondence reference the same debt from a new collection agency, Credence Resource Management. They have placed a negative mark on my credit report.

Company response to consumer: Closed with non-monetary relief