Kriya Capital, LLC

CFPB Consumer Complaint Profile

14,193
Total Complaints
6,338
Last 12 Months
99.8%
Timely Response
55
States Affected
Kriya Capital, LLC timely response rate 99.8%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Credit utilization context — why this matters

A primer on how revolving balance ratios shape credit-bureau scoring; useful when reading complaints about account closures and credit-line cuts.

Ideal (+0 to +10)0-10Healthy (~0 to -10)10-30Moderate (-10 to -30)30-50High (-30 to -50)50-75Very high (-45 to -70)75-100Maxed (-60 to -100+)100-12030%

FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.

Complaints by Product

Debt collection — I do not know 5,262
Debt collection — Telecommunications debt 2,834
Debt collection — Other debt 2,551
Credit reporting or other personal consumer reports — Credit reporting 1,993
Credit reporting, credit repair services, or other personal consumer reports — Credit reporting 657
Debt collection — Credit card debt 274
Debt collection — Medical debt 269
Debt collection — Other (i.e. phone, health club, etc.) 182
Debt collection — Medical 63
Debt or credit management — Debt settlement 22

Top Issues

1.Attempts to collect debt not owed 5,887
2.Written notification about debt 1,941
3.Incorrect information on your report 1,421
4.Took or threatened to take negative or legal action 1,357
5.False statements or representation 1,172
6.Improper use of your report 692
7.Communication tactics 669
8.Problem with a company's investigation into an existing problem 361
9.Cont'd attempts collect debt not owed 176
10.Problem with a credit reporting company's investigation into an existing problem 173

Complaints by Year

Year Complaints
2014 9
2015 96
2016 151
2017 179
2018 225
2019 334
2020 544
2021 748
2022 841
2023 1,291
2024 2,403
2025 5,270
2026 2,102

Complaints by State (Top 15)

Texas 2,053
Florida 1,571
Georgia 1,314
California 1,244
Illinois 732
Louisiana 524
Pennsylvania 519
New York 469
North Carolina 419
Ohio 408
Michigan 394
Virginia 376
Arizona 335
Alabama 335
New Jersey 324

Company Responses

Closed with non-monetary relief 11,573
In progress 1,546
Closed with explanation 1,070
Closed 4

What the CFPB Complaint Record Shows for Kriya Capital, LLC

The CFPB Consumer Complaint Database has logged 14,193 complaints against Kriya Capital, LLC overall, with 6,338 of those filed in the trailing 12 months. Reports have come from consumers in 55 states and territories, making this a nationwide complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" — a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

Kriya Capital, LLC's timely response rate stands at 99.8%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response in 13.2% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 81.5% closed with some form of monetary or non-monetary relief to the consumer.

Complaint counts alone do not tell the full story — larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does Kriya Capital, LLC have?

Kriya Capital, LLC has 14,193 total consumer complaints filed with the CFPB, with 6,338 filed in the last 12 months.

Does Kriya Capital, LLC respond to complaints on time?

Kriya Capital, LLC has a 99.8% timely response rate to CFPB complaints. This is considered excellent.

What product generates the most complaints for Kriya Capital, LLC?

The most complained-about product for Kriya Capital, LLC is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with Kriya Capital, LLC?

The most common issue reported by consumers about Kriya Capital, LLC is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.

How do I file a complaint against Kriya Capital, LLC?

You can file a complaint against Kriya Capital, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about Kriya Capital, LLC?

Consumers in 55 states and territories have filed complaints about Kriya Capital, LLC with the CFPB.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

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