Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) To Whom It May Concern : I am submitting this formal complaint to report significant and ongoing violations of my consumer rights by both XXXX XXXX XXXX XXXX XXXX relating to billing transparency, false advertising, mishandled account closure, and refusal to honor a contractual switcher promotion. I am requesting an investigation into these practices, which have resulted in substantial reputational and financial harm. 
I am writing to formally dispute and demand the immediate investigation and removal of a derogatory collection account reported under the name CREDENCE RESOURCE MANA on behalf of XXXX  under account number XXXX. I, XXXX XXXX, have paid this account in full on XX/XX/2025, in the amount of {$1400.00}. A screenshot of the XXXX receipt is attached as proof of payment. This account was placed for collection without my consent, without clear documentation, and without being provided a final itemized bill from XXXX XXXX Credence Resource Management. 
Despite my repeated requests, XXXX never provided a final itemized bill showing the transferred numbers ( XXXX and XXXX ) and related installment balances. I requested that XXXX and the collector provide full verification of the debt, including how the amount was calculated and what phone numbers and devices were tied to the debt. Those requests were ignored. Instead, I was referred to collections without explanation. Until today, I do not know the full breakdown of what I paid. This action was taken without notice, and without fulfilling my valid requests, resulting in irreparable damage to my credit score and reputation.

Furthermore, I never missed a single payment during my account history with XXXX prior to being referred to collections. The account was disputed, and I was cooperating and requesting information in good faith, however the account continues to appear on my Credits report as a collection and remains listed as 'Legally paid in full for less than the full balance, ' causing irreversible damage to my creditworthiness. 

I. BACKGROUND & TIMELINE XXXX. XX/XX/2025 : I lost my job and immediately contacted XXXX to request a downgrade or modification of my four-line plan, which had become unaffordable. Despite multiple calls, I was given no reasonable or economic alternatives. Instead, I was continued to be charged full price for services I was not using. No options were offered to reduce my financial burden. 
XXXX. XXXX XXXX  : I continued reaching out to XXXX but the responses were inconsistent and often misleading. Each representative gave me conflicting information. I was never informed about formal hardship programs or downgrade paths. Their system offered no written confirmations or accessible digital records. As everything was stored electronically, I had no way to retain my plan or billing documentation after my account was closed. 
XXXX. XX/XX/2025 : I switched to XXXX XXXX XXXX under their XXXX XXXX and ported XXXX lines : ( XXXX ) XXXX and ( XXXX ) XXXX. I traded in my devices and submitted the final bill from XXXX XXXX along with order summaries, emails, and my payment history. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX repeatedly refused to honor the switcher offer, claiming that XXXX final bill format was insufficient, even though XXXX refused to reissue any updated document and had already closed my account. XXXX XXXX XXXX customer service had no access to records, offered no escalation, and refused to provide written denials or email follow-ups. 
XXXX. XX/XX/2025 : XXXX sent the alleged remaining balance to Credence debt collectors, without giving me a written final bill or notice of delinquency. I had never missed a payment while I was a XXXX customer, and the unpaid amount was due to their own refusal to adjust my plan or offer options. 
XXXX. XX/XX/2025 : I paid {$1400.00} to Credence under protest, just to stop the damage to my credit. Despite this, my credit score dropped over XXXX points, and no documentation of the debt closure has been provided to this day. 

XXXX. CONSUMER RIGHTS VIOLATIONS XXXX  violated : o Fair Credit Billing Act ( FCBA ) for failing to provide proper notice, billing accuracy, and options for dispute o Truth in Lending Act ( TILA ) for failing to clearly disclose debt obligations and payment timelines o State consumer protection statutes by refusing to work with a financially vulnerable customer and penalizing my attempt to resolve the issue XXXX XXXX XXXX violated : o Federal Trade Commission Act ( FTC Act ) for misleading advertising and failure to honor a promotional offer after documentation was submitted o Unfair and Deceptive Acts and Practices ( UDAP ) laws by refusing to accept valid evidence and obstructing customer support o Failure to act in good faith both procedurally and contractually Both companies violated XXXX XXXX Fair Credit Reporting Act ( FCRA ) by allowing inaccurate, misleading, and disputed debts to damage my credit history

Company response to consumer: Closed with non-monetary relief