Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding improper billing, lack of transparency, and failure to provide legally required debt validation under the Fair Debt Collection Practices Act ( FDCPA ) involving XXXX XXXX XXXX ( XXXX ) and their designated collection agency, Credence Resource Management. 

On XX/XX/XXXX, I received ambulance services billed by XXXX, totaling {$2100.00}. My insurance, XXXX XXXX XXXX XXXX, paid {$1400.00} toward the claim. My plan has no copayment, no deductible requirement, and only a 10 % coinsurance, which I was willing to pay from the beginning. 

When I contacted my insurance provider, they informed me that the payment was processed based on the coding submitted by XXXX. They also stated that they do not pay overcharges or incorrect claims, and any remaining balance is XXXX  responsibility to justify. Despite this, XXXX pursued the remaining balance in full ( {$630.00} ), then inconsistently revised it to {$510.00}, without ever acknowledging my coinsurance obligation or explaining the actual amount owed. I was never offered the opportunity to pay my expected portion instead, I was pressured to pay fluctuating and unexplained balances. 

When I formally requested an itemized billing statement, XXXX did not provide XXXX. Instead, they issued a new invoice dated XX/XX/XXXX, showing a {$0.00} balance and noting that the account had been assigned to collections. It is unclear whether this action was intended to resolve the matter or confuse it further, but either way, it did not satisfy my request for documentation or explain the billing inconsistencies. 

This prompted me to submit a formal debt validation request in writing to Credence, as required under FDCPA 1692g.

Credence responded by stating the account had been marked disputed and that no further communication would occur pending an investigation. However, XXXX later re-engaged by sending a generic billing statement dated XX/XX/XXXX a document that predated my dispute and still did not include the itemized breakdown or any clarification regarding the balance. 

Even more concerning, XXXX  documentation shows my insurance paid {$1400.00}, while the balance statement provided by Credence states my insurance paid {$1500.00} a clear discrepancy. Please refer to both invoices attached to this complaint for comparison. 

On XX/XX/XXXX, I received a letter from Credence titled Dispute Investigation Response. The letter stated that Credence had verified the debt with XXXX and deemed the charges valid yet no supporting documentation, contract, or itemization was included. Furthermore, Credence declared they would no longer communicate with me, leaving the account unresolved and unvalidated. 

On XX/XX/XXXX, I received a phone call from an XXXX representative who attempted to discuss the account with me verbally. I requested that any and all communication be sent in writing ( by email or postal mail ). The representative refused, stating they were " unable to send the information in writing. '' I declined to continue the phone discussion and reiterated my request for documentation. This refusal further illustrates XXXX failure to comply with basic consumer protections and billing transparency requirements. 
Violations Involved : FDCPA 1692g Failure to validate the debt upon written request FDCPA 1692e Misrepresentation of the amount and nature of the debt Truth in Billing Act ( XXXX standards ) Failure to provide detailed, itemized medical billing information upon request I am requesting that the Consumer Financial Protection Bureau : Immediately suspend all collection activity related to this account Require a complete, itemized breakdown of the original charges and adjustments Demand an official explanation of the current legal balance Review XXXX and Credences billing and debt collection practices for compliance with federal consumer protection laws All relevant documents including emails, invoices, letters, phone logs, and statements are available and will be provided upon request. 

Thank you!

Company response to consumer: Closed with non-monetary relief