Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I received a letter in the mail from Credence Resources Management, LLC, stating that I had a debt from XXXX in the amount of {$460.00}. I had been dealing with XXXX for several months regarding this debt and in the last correspondence with them was told that there was a {$0.00} balance on the account. I had been getting conflicting information from XXXX for months about this account but each time that I called them on the phone, I was told that the bill was a mistake and that I didn't owe anything. When I received the letter from Credence I called them immediately and was met with an extremely rude and actually mean woman. She told me that I had to pay her that day and and that I knew what the debt was for. I ended up hanging up on her and proceeded to send an email to Credence stating that I was disputing the bill. In the letter, I requested that they send me an itemized list showing what the debt was for, as their original collection letter stated that they would do if I disputed the bill. They received the email and sent me a response to it stating that they had received it and would be sending the information to me in the mail. I never received any more correspondence from them and assumed that XXXX had finally corrected the problem and the debt was gone. Today, XX/XX/XXXX, I received an email from one of my credit cards stating that I had negative information on my credit report. I immediately looked into it and found that Credence had reported to the credit bureau that I had not paid this bill. I called Credence and they admitted that they never sent me any correspondence to validate this bill but that didn't matter because I still owed the money. I explained that I had been waiting for some kind of correspondence from them showing what the debt was for but never received it. The first two people that I talked to told me that they could not send me any validation of the debt until I paid the bill but the third person that I talked to said that he could email it to me, which I asked him to do. I am very upset because if I had just received something in writing saying what I was paying for then this would have never gotten to this point. I want this off of my credit report and Credence employees keep telling me that once I pay it will come off of my credit, which is not true. I want them to remove the delinquent account from the credit bureaus as I feel that they did not do what they are required to do when someone disputes a bill. I don't feel as if I was given to opportunity to review the charges and make a decision about paying it. 

XXXX XXXX These are the emails between myself and Credence From : XXXX To : XXXX Mon, XX/XX/XXXX at XXXX XXXX  I would like to dispute the claim against me from XXXX in the amount of {$460.00}. I have been dealing with XXXX over this account for 4 months and was told numerous times that the account had a {$0.00} balance. I was unaware of this remaining supposed debt until I received a letter in the mail from your company. I would like to have any accompanying documentation regarding this account sent to me via U.S. postal service mail at your earliest convenience. I feel that I do not owe this debt and would like to dispute it with your company. Please send all correspondence to my home address at XXXX XXXX XXXX XXXX, VA XXXX Thank you XXXX XXXX XXXX Disputes From : XXXX To : XXXX XXXX Wed, XX/XX/XXXX at XXXX XXXX  Hello, We are in receipt of your email, dated XX/XX/XXXX. 

Thank you for providing this information. We have updated the details on this account and have marked the account as dispute. 

This communication is from Credence Resource Management , LLC, a debt collector. 

Please consider how you would like documents associated with your account ( s ) delivered. 

Unless you reply to this email with the word YES, we will send all required documents to you via postal mail. 

If you are interested in electronic document delivery, the law requires that we provide certain information to you and obtain your consent to use an electronic delivery process. 

By providing your email address, you authorize Credence Resource Management , LLC to send future correspondence, including any required disclosures, by email regarding your account ( s ) placed with us as of XX/XX/XXXX, and confirm that the email address you provided is not an email account furnished or owned by your employer and that there are no users other than yourself using the provided email address. 

Please note that if you provide access to your email account to any other person, such person may be able to read the emails we send to you. 

If you no longer wish to receive emails from us, you may write to us at XXXX. 

If calling or mailing us to opt out of emails, please reference the email address relevant to your request. 

We still may send some communications by postal mail. 

To view electronic attachments we may send, you must have software which permits you to receive and access PDF files, such as a basic version of XXXX XXXX XXXX and above. 

You may retain copies of any emails and attachments we send by downloading them to your personal device. You can obtain a paper copy of any email or attachment from us by printing it from your device, or you may ask us to send you a copy at no cost. 

If you request a paper document but do not withdraw your electronic delivery consent through the methods described, we will not treat the request solely for a paper document as a withdrawal of consent to electronic delivery of documents. A withdrawal of electronic delivery consent does not apply to a document that was provided electronically before the date on which the withdrawal of consent takes effect. 

If you withdraw your consent to receive emails about this Account, we may confirm the withdrawal of consent via email, but send no further emails regarding the Account. 

Please feel free to contact us if you have any questions and concerns at : Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX. 

Office Hours : Monday to Friday XXXX XXXX  EST to XXXX XXXX  PST Saturday XXXX XXXX  EST to XXXX XXXX  EST Toll free # XXXX. 



Sincerely, Credence Resource Management , LLC This communication is from a debt collector If you want to opt out or unsubscribe please respond as Opt out or Unsubscribe to XXXX Show original message This communication and any data and/files attached to it contains information which is confidential and which may also be privileged. It is for the exclusive use of the intended recipient ( s ). If you are not the intended recipient ( s ), please note that any disclosure, copying, printing or use what-so-ever of this communication or the information contained in it is strictly prohibited. If you have received this communication in error, please notify the author then delete the presentation and its attachments together with any copies of it. Although this communication is believed to be free of any viru

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Company response to consumer: Closed with non-monetary relief