Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
In XX/XX/XXXX, I purchased a mobile phone and postpaid wireless service plan through XXXX XXXX XXXX, with the transaction completed at a XXXX XXXX retail store. I was explicitly told that XXXX XXXX XXXX offered full XXXX coverage in my residential area. Upon activating the service, I found that my device could not connect to XXXX XXXX XXXX network at home or in surrounding areas. The device was nonfunctional as a phone. 

I contacted XXXX XXXX  XXXX technical support and was told that my area was, in fact, not covered. Their only proposed solution was that I purchase a separate signal repeater at my own expense, which, they stated, would also benefit other XXXX XXXX XXXX customers in the area. This is an inappropriate burden-shifting of infrastructure costs to the consumer. 

In an attempt to use XXXX calling as a workaround, I found that XXXX XXXX XXXX  XXXX XXXX XXXX that feature on my unlocked, compatible phone model, citing that it was not a preferred device. This made the service entirely unusable. 

On XX/XX/XXXX, less than XXXX  days after opening the account, I returned the device to XXXX XXXX, paid a restocking fee, and canceled service through XXXX XXXX XXXX. I did so in good faith, under XXXX XXXX XXXX advertised XXXX satisfaction guarantee. However, I was later told the guarantee did not apply because my purchase was made in-store and not online. This condition was never disclosed to me at the time of sale, either by XXXX XXXX or XXXX XXXX XXXX. 

Despite having returned the device and never having functional access to the service, XXXX XXXX XXXX billed me for {$120.00}. I never made a single successful call, sent a message, or used data on this network. 

On XX/XX/XXXX, the account was marked delinquent. It was subsequently referred to Credence Resource Management for collections. On XX/XX/XXXX, I filed disputes with both XXXX XXXX XXXX and XXXX via the CFPB. On XX/XX/XXXX, XXXX responded with a generic statement that did not address the central issue : that XXXX & XXXX service was not available in my area and that no meaningful service was rendered. XXXX XXXX XXXX 's own support personnel acknowledged this at the time. I was not made aware that failing to respond back within a certain period would result in the case being closed. The notification email did not explain that a deadline existed or that a lack of response would forfeit my ability to continue the dispute. 

I am resubmitting this complaint to affirm that the issue remains unresolved, that the credit reporting continues to cause financial harm, and that the underlying debt was illegitimate from the start. I have now included additional legal context ( FCRA, FTC Act, FDCPA ) in support of my position and respectfully request the Bureaus assistance in ensuring permanent removal of this item from my credit record. 

As of XX/XX/XXXX, Credence  continues to report this invalid debt to the credit bureaus, harming my credit score. This is despite clear evidence of misrepresentation, denial of essential service functions, and refusal to honor refund terms. 

This debt is the result of service never provided, coverage misrepresented, and cancellation denied on the basis of a hidden exclusion. It is also potentially time-barred depending on applicable state law. 

I no longer retain documentation due to the age of the issue ( XXXX ). All relevant facts, dates, and legal issues have been stated in my complaint. The companies involved have access to their own records and communications.

Company response to consumer: Closed with non-monetary relief