Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I am submitting a complaint regarding repeated collection calls for a disputed XXXX debt in the amount of approximately {$120.00}. This issue originally began after I switched my phone service from XXXX XXXX XXXX XXXX XXXX A XXXX employee informed me that once my service switched over, my T-Mobile account would automatically close. I was not informed that I would still owe a bill for that month even though I only used the service for approximately 3 days during that billing cycle. After I later received collection attempts, I contacted XXXX and was told the matter would be taken care of due to the misinformation provided by their employee. Despite this, the alleged debt was sent to collections and later reported on my credit report, causing my XXXX XXXX to significantly decrease by over XXXX points. I disputed the account with the credit reporting agency and provided supporting documentation. The collection account was later deleted from my credit report after the dispute process. A previous debt collector also attempted to settle the alleged debt for a reduced amount, which I declined because I disputed the validity of the debt and because XXXX XXXX XXXX informed me the issue would be resolved. I also requested that further communication regarding this matter only be made through mail correspondence. Despite this, I am now being repeatedly contacted by another collection agency identified as Credence. From XX/XX/XXXX through today, I have received approximately XXXX calls from multiple different phone numbers associated with the same company. In some instances, calls were placed minutes apart from different numbers after other numbers had already been blocked. I believe this repeated calling behavior may constitute harassment and unfair collection practices, especially considering : the debt is disputed, the account was previously removed from my credit report, I previously requested communication by mail only, and the collector continues to repeatedly call from rotating numbers. I am requesting : That the collector cease repeated phone calls and only communicate by mail if legally permitted. That the company provide proper validation of the alleged debt. That this matter be investigated for potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and any applicable credit reporting laws. That the company cease furnishing inaccurate or unverified information regarding this account to any credit reporting agency. I have retained screenshots of my call logs, records of the prior dispute results, and supporting documentation regarding the deletion of the account from my credit report. I also dispute the debt XXXX claim before this one that I continued using T-Mobile service after switching to XXXX XXXX. I was informed in writing by the XXXX employee who assisted with the transfer that once I inserted and activated the Assurance Wireless SIM card, my T-Mobile account would automatically close. Based on that information, I reasonably believed my T-Mobile service had ended at that time. The collector later claimed there was account activity through the XXXX ; however, I dispute that claim and have written documentation from the XXXX employee stating that my account would automatically close once the new XXXX card was activated which was on the XXXX.

Company response to consumer: Closed with non-monetary relief