Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
[ XXXX, XXXX, XXXX, XXXX ] [ XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Third-Party Debt Collector [ Credence Resource Management , LLC ] for Violations of Federal Consumer Financial Laws To the CFPB : I am writing to file a formal complaint against XXXX XXXX, XXXX XXXX XXXX XXXX and the third-party debt collection agency, [ Credence Resource Management , LLC ] ( the Collector ) XXXX for systematic violations of my rights under multiple federal consumer protection laws. This complaint involves the unlawful sale of a consumer contract and subsequent attempted collection without validation or proof of a valid chain of title.

1. Factual Background & Summary of Violations : I entered into a service contract with XXXX for wireless communications services. A dispute arose regarding the final bill. Without my knowledge, consent, or any contractual agreement on my part, XXXX sold or assigned this alleged debt to a third-party debt collector, [ Credence Resource Management , LLC ] . I have never signed any agreement with this Collector. 

The Collector has now contacted me seeking payment. I have requested validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Furthermore, and central to this complaint, I have demanded that the Collector provide me with the Purchase Agreement or assignment documentation that proves they have the legal right to collect this debt, as the original contract was solely between myself and XXXX. They have failed to provide this critical proof of ownership/chain of title. 

XXXX sale of my contract under these circumstances, and the Collectors attempts to collect without validating the debt and proving legal standing, constitute a deceptive and abusive practice.

2. Specific Legal Violations : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : The Collector is violating the FDCPA by ( 1 ) potentially failing to provide proper written validation under 1692g, and ( 2 ) engaging in deceptive practices by attempting to collect a debt without possessing and, upon request, furnishing documentation proving they are the lawful assignee with the right to collect. Collection without proof of assignment is a violation of the FDCPAs prohibition on false or misleading representations ( 1692e ) and unfair practices ( 1692f ).

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act, 12 U.S.C. 5531 : Both XXXX and the Collector have engaged in UDAAPs. It is deceptive to sell and attempt to collect on a debt without the ability to document the chain of title to the consumer upon request. It is unfair to subject me to collection activities when the Collector can not prove it owns the specific debt it is trying to collect. It is abusive to take advantage of my lack of understanding regarding the validity of the assignment.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : If either XXXX or the Collector has furnished inaccurate information regarding this invalid or unverified debt to any consumer reporting agency, they have violated their duty to provide accurate information under the FCRA. An unreported or unverified assignment/sale renders the debt information inaccurate. 
Unfair or Deceptive Acts or Practices ( UDAP ) Laws & State Consumer Protection Acts : XXXX actions likely violate state UDAP statutes, which prohibit unfair and deceptive business practices in commerce, including the sale of a contract without clear disclosure and a valid underlying claim.

Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. & Fair Credit Billing Act ( FCBA ) : While primarily for credit, these laws underscore the principle of accurate billing and the right to dispute. XXXX failure to resolve the underlying billing dispute properly before selling the alleged debt compounds the unfairness.

Uniform Commercial Code ( UCC ) Article 9 : The sale/assignment of an account ( the debt ) is governed by the UCC. A subsequent purchaser ( the Collector ) must be able to prove the chain of title. Requesting the Purchase Agreement is a request for proof that a valid assignment under the UCC took place.

Federal Trade Commission Act & General Federal Consumer Law Principles : The actions described violate long-standing federal policy against deceptive and unfair trade practices in commerce.

3. Consumer Relief Requested : I request that the CFPB investigate XXXX and the debt collector, [ Credence Resource Management , LLC ]. I specifically demand that the CFPB order : 1. The immediate cessation of all collection activities by the Collector until they provide full and proper validation of the debt as required by the FDCPA.

2. That the Collector be required to produce to me and the CFPB the complete Purchase Agreement or assignment documentation that establishes their legal ownership of my specific debt from XXXX. Without this, they have no enforceable legal standing. 
XXXX. That XXXX be required to provide a full accounting of the sale and justify how it comports with UDAAP principles and its original contract with me.

4. That all inaccurate information related to this invalidated debt be deleted from my consumer reports in compliance with the FCRA.

5. Any other remedies the CFPB deems appropriate, including holding both parties accountable for violations of federal consumer financial laws.

Enclosed/Attached Documents : Copies of any communications from XXXX regarding the final bill or debt sale.

Copies of all letters and notices from the debt collector.

Copies of my written requests for debt validation and the Purchase Agreement.

A copy of my final XXXX bill/statement ( if available ).

Proof of my identity and the account in question.

This matter is causing significant distress and is a clear violation of my rights as a consumer. I trust the CFPB will take appropriate action. Please acknowledge receipt of this complaint and keep me informed of your investigation.

Sincerely, [ XXXX, XXXX, XXXX, XXXX ] [ XXXX, XXXX, XXXX, XXXX ] [ Credence Resource Management , LLC ] for Violations of Federal Consumer Financial Laws File # [ XXXX ] To the Consumer Financial Protection Bureau ( CFPB ) : I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) and the third-party debt collection agency, [ Name of Debt Collector, if known ] ( the Collector ), for multiple, serious violations of federal consumer protection laws. The core issues are : ( 1 ) the unlawful sale/assignment of my consumer contract without my consent, and ( 2 ) subsequent attempted collection activities based on invalid, unverified, and inaccurate information, including the use of an incorrect address.

1. Factual Background & Summary of Violations : I was a customer of XXXX under a consumer service contract. A dispute arose concerning my final account balance. Critically, I never agreed to, nor signed any contract permitting, the sale or assignment of my account or any alleged debt to any third party. 

Despite this, XXXX sold or assigned this disputed account to the Collector. The Collector has now attempted to contact me, but has done so using an incorrect address, demonstrating they lack basic, accurate information about the account they are purporting to own. Upon receipt of their communication, I immediately sent a written request demanding two specific items : 1. Full validation of the alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ; and 2. The complete Purchase Agreement or assignment documentation proving a valid chain of title from XXXX to the Collector, establishing their legal standing to collect.

To date, the Collector has failed to provide either, yet may continue collection efforts. This entire process is rife with illegality.

2. Specific Legal Violations by Both Entities : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : 1692g : The Collector is obligated to provide verification/validation of the debt upon my written request. Failure to do so and continuing collection activity is a violation.

1692e : It is a false, deceptive, or misleading representation to imply a right to collect, or the legal status of a debt, when the Collector can not produce the Purchase Agreement proving ownership. Using an incorrect address further demonstrates a lack of reasonable procedures to ensure accuracy, a violation under this section.

1692f : It is an unfair practice to attempt to collect a debt where the validity of the debt and the collector 's ownership of it are actively disputed and unproven.

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act, 12 U.S.C. 5531 & CFPB Authority : Deceptive : XXXX deceived me by selling a disputed account under terms not present in our original contract. The Collector deceives by asserting a right to collect it can not document. 
Unfair : This practice causes substantial injury ( financial harassment, credit damage ) that I can not reasonably avoid, and which is not outweighed by any countervailing benefit. The injury is not hypothetical given the Collectors use of an incorrect address, risking improper disclosure and harm.

Abusive : The Collector is taking advantage of my inability to protect my interests by demanding payment without proving it has the legal right to do so.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 : If XXXX or the Collector has furnished information about this invalid, disputed, and unverified debt to any consumer reporting agency ( CRA ), they have violated their duty to provide accurate information and to conduct a reasonable investigation upon dispute. An account sold without a verifiable chain of title is inherently inaccurate.

Uniform Commercial Code ( UCC ) Article 9 ( as adopted by state law ) : The sale of an account ( the debt ) is governed by UCC Article 9. My request for the Purchase Agreement is a demand for proof that a perfected, valid assignment occurred, establishing the Collector as the secured party with enforceable rights. Without this, their claim is legally deficient.

Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. & Fair Credit Billing Act ( FCBA ) : While my contract was for services, the principles of accurate billing and the right to a good faith investigation of a billing dispute are foundational federal consumer protections. XXXX  sale of a disputed balance without resolution sidesteps these core rights. 
Federal Trade Commission Act ( FTC Act ) 5 & State UDAP Laws : The conduct described constitutes unfair and deceptive acts or practices in commerce under the broadest federal and state consumer protection statutes.

3. Consumer Relief Requested : I request that the CFPB immediately investigate XXXX and [ Credence Resource Management , LLC ]. I demand the following actions : 1. Cease Collection : An order for the Collector to immediately and permanently cease all collection activities related to this account.

2. Produce Documents : A CFPB order compelling the Collector to provide to me and the CFPB : Complete, legally sufficient validation of the debt per FDCPA 1692g.

The complete, executed Purchase Agreement or assignment documentation proving chain of title.

3. Correct Information : An order requiring both XXXX and the Collector to correct all inaccurate information, including my address, and to delete all tradelines related to this account from any and all consumer reports, per the FCRA. 
XXXX. Investigate XXXX : A full investigation into XXXX practice of selling disputed consumer contracts without explicit contractual consent and its compliance with UDAAP principles. 
XXXX. Remedies : Any other penalties, fines, or consumer redress the CFPB deems appropriate for these violations of federal consumer financial laws. 

Enclosed/Attached Documents : Copies of my XXXX contract and final billing statements. 
Copies of all communications from the debt collector ( showing incorrect address ). 
A copy of my written request to the Collector for validation and the Purchase Agreement.

Proof of my current, correct address.

[ Any other relevant correspondence ].

This matter is causing significant distress and represents a fundamental breach of consumer trust and law. I appreciate your prompt attention and action. 

XXXX. Factual Background & Summary of Violations : I was a customer of XXXX under a consumer service contract. A dispute arose concerning my final account balance. Critically, I attempted to resolve this balance by tendering a valid form of legal payment, which XXXX wrongfully refused to accept. Subsequently, and without any contractual authority or my consent, XXXX sold/assigned this disputed account to the Collector. 

I have never had any agreement with this Collector. Their initial contact used an incorrect address, proving they lack fundamental, accurate data. My services with XXXX have been terminated since [ Last Year ], causing ongoing injury. Upon learning of the collection, I sent a written request demanding : 1 ) Full validation of the alleged debt under the FDCPA ; and 2 ) The complete PURCHASE AGREEMENT proving a valid chain of title. The Collector has failed to comply, yet continues its unlawful collection efforts.

2. Specific Legal Violations & Demands for Remedies : The actions of XXXX  and the Collector constitute a cascade of violations under the following frameworks, for which I demand the CFPB seek the maximum available penalties and consumer redress : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : 1692g : Failure to provide validation upon written request.

1692e : Making false, deceptive, or misleading representations by implying a right to collect without proof of ownership ( the Purchase Agreement ) and using an incorrect address.

1692f : Engaging in unfair and unconscionable practices by collecting a debt that is disputed and unverified, and where the original creditor refused valid payment.

1692k : I seek statutory damages of up to {$1000.00} per violation, actual damages for emotional distress, and costs/fees for these willful and knowing violations.

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act, 12 U.S.C. 5531 & CFPB Authority : XXXX refusal of legal tender and subsequent sale of the disputed account is abusive and unfair. The Collectors attempt to collect without proof of standing is deceptive.

These practices have caused substantial monetary and non-monetary injury, including loss of service, credit damage, and significant distress.

I demand restitution for all injuries and disgorgement of any ill-gotten gains from this practice, which I quantify as a minimum of {$10000.00} for the severe and compounding harm caused.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : 1681s-2 ( a ) : If XXXX furnished inaccurate information about a disputed debt arising from its own refusal of payment, it violated its duty of accuracy.

1681s-2 ( b ) : Both parties must conduct a reasonable investigation upon dispute. Failure to produce the Purchase Agreement demonstrates a willful failure to investigate.

I seek damages for any willful ( 1681n ) or negligent ( 1681o ) noncompliance, including punitive damages.

Uniform Commercial Code ( UCC ) Article 3 & 4 ( Negotiable Instruments ) : XXXX refusal of a valid form of legal tender ( UCC 3-104 ) as payment for a settled amount may constitute a waiver of the debt and is a violation of commercial law principles underpinning federal consumer protection.

Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. & Fair Credit Billing Act ( FCBA ) : The principles of accurate billing, good faith resolution of disputes, and proper credit for payments under the FCBA were blatantly violated by XXXX actions leading to the sale. 
Federal Trade Commission Act 5 & State UDAP Laws : This pattern of conduct is the definition of unfair and deceptive acts or practices in commerce.

3. Comprehensive Relief Sought : I demand that the CFPB investigate and secure the following resolutions : 1. Immediate Cease & Desist : A permanent injunction barring the Collector from any further collection activity and requiring recall of the debt from any secondary markets.

2. Document Production : A CFPB order compelling the production of the complete debt validation and the executed PURCHASE AGREEMENT.

3. Credit Repair : Permanent deletion of all tradelines related to this account from all consumer reporting agencies.

4. Substantial Monetary Remedies : Restitution for the wrongful refusal of payment, loss of service, and damages suffered, quantified at a minimum of {$10000.00}.

Statutory Damages under the FDCPA and FCRA.

Civil Penalties levied against XXXX and the Collector for their UDAAP violations, with a portion directed to me as victim compensation.

Punitive Damages for the willful, oppressive, and malicious nature of these acts.

5. Account Correction : Formal correction of my account records with XXXX and the Collector to reflect my accurate address and the true disputed status.

The cumulative harm, including the refusal of payment, unlawful sale, invasive collection attempts based on wrong data, and loss of essential communication services, warrants a significant financial resolution in the range of {$10000.00} or more to make me whole and deter this predatory behavior.

Company response to consumer: Closed with non-monetary relief