Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC D/b/a Genesis

On XX/XX/XXXX, I formally disputed a collection claim from Columbia Debt Recovery LLC ( DBA Genesis ) regarding account # XXXX for an alleged balance of {$960.00}. The original creditor, XXXX XXXX XXXX, completed a final move-out accounting in early XXXX and certified a XXXX balance by issuing me XXXX separate refund checks : XXXX for {$300.00} issued on XX/XX/XXXX, and a final security deposit refund check for {$1400.00} issued on XX/XX/XXXX. Under XXXX XXXX XXXX XXXX, a landlord can not legally issue security deposit refunds if a balance is owed ; doing so legally establishes that the account was settled in full. Furthermore, the property management accepted rental assistance credits from XXXX XXXX, which were never properly accounted for in their final numbers. In response to my formal dispute, the collection agency mailed a letter on XX/XX/XXXX. However, they completely failed to validate the debt.…

Columbia Columbia Rebt Recovery ( Genesis XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX {$7700.00} -judge gave me 30 days to retrieve what I could out unit ; stated that whatever property remains would settle balance. XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$1800.00} - was informed that XXXX dollars and other fees needed to obtain lease agreement and unit keys. I never made deposit/fee payments nor obtained keys/moved in and obtained lease agreement.

I am disputing a collection account reported by Columbia Debt Recovery with a balance of {$6300.00}. This account contains multiple invalid dates throughout the payment history, which constitutes inaccurate reporting under the Fair Credit Reporting Act. Additionally, this was a joint account and the full balance can not be accurately attributed solely to me. The balance has also increased significantly from the original amount owed, and I have not received any itemized breakdown of how this amount was calculated. Columbia Debt Recovery purchased this debt and I do not believe they can verify the original amount, original creditor documentation, or provide an accurate payment history. I am requesting this account be investigated and removed from my credit report due to these inaccuracies.

I moved out of XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. Upon move-out, the property management applied a {$550.00} charge for " XXXX XXXX, '' resulting in an alleged remaining balance of {$420.00} after deducting my {$120.00} security deposit. I disputed this underlying charge because the baseboards were already in a heavily degraded and aged condition when I first moved in on XX/XX/XXXX, which constitutes a pre-existing condition and normal wear-and-tear. Recently, this unverified debt was reported to my credit profile as a collection account. To exercise my rights under the FDCPA, I formally sent a Debt Validation Letter to the collection agency. In response, they provided a copy of the lease and a " Final Account Statement '' issued by the landlord. However, this response is legally insufficient and fails to properly verify the debt. The landlord 's own statement explicitly notes, " See the itemized charges for a complete listing of the work.…

I am filing a complaint regarding an inaccurate and unverified debt being reported and collected. The collection account in question is related to a former apartment lease. According to my final statement from the apartment complex on XX/XX/2024, my balance was {$56.00}. However, the collection agency is reporting and attempting to collect {$3300.00}, which is a substantial and unexplained discrepancy. I have reason to believe this amount is inaccurate and has not been properly validated. I am requesting that the company provide full documentation supporting this debt, including a detailed itemization showing how the balance increased from {$56.00} to {$3300.00}. To date, I have not received sufficient proof validating this amount. Reporting and attempting to collect an inflated or unverified debt may be a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).…

What happened was that in XXXX i was going to move into my college apartment near XXXX XXXX XXXX XXXX XXXX XXXX. I had a lease agreement with them and a few months before move in I got my financial aid package and I was not going to have enough money to pay the rent. So I quickly quickly reached out to the housing company and explained everything and everytime i called they would say okay we will see what we can do in the meantime please try and find someone to take over your lease. And i would post everywhere that I was not going to live there and for months I looked for a replacement. Now that entire year I had to move back home and drive to XXXX for my school while they kept charging me rent every month. I never even picked up the keys to look at the apartment. I can prove i never stepped foot in there. And i called and emailed and told them, Finally they sent me a letter about a year ago saying that they were going to sue me if i didnt pay up with them.…

I moved from XXXX XXXX XXXX XXXX in XXXX of XXXX. I received an email in XX/XX/XXXX informing me that a debt collector was trying to reach me on behalf of my old rental. After months of attempting to get an itemized statement I got XXXX XX/XX/XXXX and none of the amounts or receipts match, there are charges for upgrades and not damages, and there are random charges that have no receipts at all. I have sent a certified dispute letter and attempted to resolve this over email with the debt collector and have not received an answer to any of my emails since XX/XX/XXXX when they sent the itemized list. I would like several things taken off of this debt, and I would like it taken off my credit report as I was not informed of any charges until it was sent to a debt collector.

I am disputing a collection account being reported by Columbia Debt Recovery/Genesis related to a former apartment lease with XXXX XXXX XXXX managed by XXXX. I vacated the apartment on XX/XX/year> and returned the keys on XX/XX/year>. I was never provided a meaningful move-out inspection opportunity with management present, and no walkthrough was conducted with me at the time possession was surrendered. After move-out, substantial charges were assessed and later placed into collections. I disputed the charges directly and requested validation and supporting documentation. Although an account summary was provided, I have not received sufficient supporting documentation substantiating several disputed amounts. The disputed charges include : * carpet replacement charges * damage charges * reletting fees * utility charges * ongoing interest accrual The utility charges appear excessive and inconsistent with historical usage.…

Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report. This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

XX/XX/year> sent letter out XX/XX/year> recieved reply but not what i was asking for. i have been trying to get all information on this account and they keep charging me interest. i have been trying for months now for them to give me the ontract to why and how they are charging me interest on thi account. yet i never get either a reply, or a letter back validating they care legally allowed to do so. i have asked for all docs and they have only sent 1 piece of paper that does not justify/legitimized theyre debt.

A collection account from Columbia Debt Recovery began reporting on my XXXX credit report for an alleged rental debt in the amount of {$2700.00}, with an account opened on or about XX/XX/year>. The listed original creditor is XXXX XXXX XXXX. I have no knowledge of this alleged debt and never entered into a valid lease, agreement, or contract creating this obligation. I did not authorize this account and was never provided documentation establishing liability. I disputed this account with the credit reporting agencies and requested verification. Despite this, the account continues to be reported to XXXX while not reporting to XXXX or XXXX, which raises serious accuracy and verification concerns under the Fair Credit Reporting Act. Because this debt is not mine and can not be properly verified, it is being inaccurately reported and is causing harm to my credit profile.

I am filing this complaint against Columbia Debt Recovery LLC, dba Genesis ( Account # XXXX ), regarding an alleged debt of {$990.00} purportedly owed to XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( managed by XXXX ) for a former rental unit at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am disputing this debt on three grounds : 1. FAILURE TO PROVIDE ITEMIZED ACCOUNTING/ VALIDATE DEBT I made multiple written attempts to obtain a final, itemized accounting from the original creditor prior to this account being sent to collections : XX/XX/XXXX : I emailed the property manager at XXXX asking about the security deposit and any outstanding balance. No response was received. XX/XX/XXXX : I sent a follow-up email documenting my phone attempts to reach the office, noting I was never asked for a forwarding address upon move-out and was dismissed by staff when I called.…

Cease and Desist / Notice of Dispute / Opportunity to Cure Account Number : XXXX To Whom It May Concern : This letter serves as formal notice that I dispute the alleged debt referenced above and demand that Columbia Debt Recovery, LLC immediately cease and desist all collection communications and collection activity regarding this matter except as required by law. Further, before any continued reporting, collection, transfer, or enforcement activity may occur, you must provide competent documentary evidence establishing all of the following : 1. Proof that Columbia Debt Recovery, LLC has the legal right to collect on the alleged debt ; 2. Proof that Columbia Debt Recovery, LLC legally owns the alleged debt ; 3. Complete documentation establishing that the chain of assignment has not been broken from the original creditor to the present holder ; 4. Copies of all assignments, bills of sale, transfer agreements, and purchase agreements related to this alleged account ; 5.…

demand i pay the debt or my debt will increase saying i need to pay it in XXXX day

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX Dc XXXX XXXX CFPB COMPLAINT / FORMAL NOTICE OF FCRA VIOLATIONS To : XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX : Fraudulent Collection Account Account # XXXXXXXX XXXX XXXX To Whom It May Concern : I am formally disputing the fraudulent collection account your company is reporting to the consumer reporting agencies regarding account number XXXX XXXX XXXX, allegedly connected to XXXX XXXXXXXX XXXX. I have no contractual relationship with your company or the alleged original creditor, and I dispute this account in its entirety. This account appears to have resulted from unauthorized use of my personal information following a data breach and identity theft exposure involving my consumer data. Despite prior disputes, your company continues reporting inaccurate and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ).…

I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

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 XXXX XXXX Subject : Request for Investigation and Validation of Alleged Rental Collection Account To Whom It May Concern, I am submitting this complaint regarding a collection account being reported against me related to an alleged rental/eviction debt. I dispute responsibility for this alleged debt and am requesting full validation of the account. At this time, I do not believe the company has provided sufficient documentation establishing that I am legally responsible for this obligation.…

Issue : Debt collector reporting inaccurate information and failing to validate debt Summary : A debt collector is reporting inaccurate collection accounts related to an apartment in Florida ( XXXX XXXX - XXXX XXXX ). My mom disputed the debt multiple times with the collector ( XX/XX/XXXX ; XX/XX/XXXX ; and again via certified mail XX/XX/XXXX ). The collector has never provided validation, despite being required to do so under the FDCPA. They continue to report the debt to the credit bureaus without providing any documentation. Additionally, the apartment complex added charges after the final bill was paid, which I can prove with screenshots showing the dates the charges were added. These charges were not part of the original balance and are inaccurate. In addition to that, the system does not allow you to pay a partial amount. You have no choice but to pay the full amount, thus proving that the balance was added after the final payment had been made.…

According to section 392.101 of the Texas Finance Code prohibits a third party debt collector from engaging in debt collection if a surety bond is not filed with the Office of the Secretary of State. I have found that Columbia Debt Recovery LLC DBA Genesis does not have a surety bond on file with the XXXX. I have contacted the credit bureau with this information and uploaded proof from the XXXX website.

Company : Columbia Debt Recovery LLC ( DBA Genesis ) Product : Debt Collection Issue : Attempts to collect debt without providing validation / Misrepresentation of rights Complaint : I am filing a complaint against Columbia Debt Recovery LLC regarding their attempt to collect an alleged debt tied to a prior rental account. On or about XXXX XXXX XXXX, I contacted this company regarding an alleged balance of approximately {$5700.00} because I received an email from them. During a phone conversation with their representative, I requested documentation to validate the debt, including an itemized breakdown, lease agreement, and proof of their authority to collect. The representative explicitly stated that they would not provide any documentation unless I made a payment first. I was told that documentation would only be sent after payment was received. I have spoke to with multiple agents at Columbia regarding this debt and have been mistreated each time.…

I am disputing a collection account reported by Columbia Debt Recovery LLC ( Genesis ) in the amount of approximately {$10000.00}. The alleged debt originates from a rental property ( XXXX XXXX ) that became uninhabitable due to a major plumbing failure that caused flooding, mold exposure, and extensive structural damage. Multiple areas of the unit, including the restroom, living room, and a bedroom, were gutted. As a result of these conditions, I became ill and obtained a doctors note instructing me to vacate the unit for health reasons. I provided this documentation to the property management and requested relocation to another unit, which was refused. I was forced to vacate due to unsafe living conditions and continue to receive medical care related to this exposure. Under California law, tenants are entitled to vacate uninhabitable units without penalty. Therefore, the charges being claimed are not valid or enforceable.…

am filing a complaint regarding a debt collectors failure to validate an alleged debt while continuing to report it to the credit bureaus. On XX/XX/year> ], I sent a written request for debt validation to [ Company Name ] pursuant to the Fair Debt Collection Practices Act, XXXX XXXX. XXXX. I requested sufficient information to substantiate the debt and the companys authority to collect it. To date, the company has not provided any meaningful validation. Despite this, the account continues to be reported on my credit file. This conduct is misleading and results in an unverifiable tradeline being used to assess my creditworthiness. Reporting an account without providing sufficient validation raises concerns about compliance with federal law, including : * 15 U.S.C. 1692g Failure to provide validation of the alleged debt after a written request * 15 U.S.C. 1692e Use of false, deceptive, or misleading representations in connection with the collection of a debt * 15 U.S.C.…

property XXXX provided false information to sell debt

I am filing this complaint regarding an alleged rental debt being reported and collected by Columbia Debt Recovery LLC ( Genesis ) on behalf of XXXX XXXX XXXX XXXX XXXX. I was listed on the lease ; however, I was not the individual handling communications with the landlord or the debt collector. Despite this, the account has been reported on my credit file without proper validation or supporting documentation establishing that the debt is legally enforceable. At the time of move-out, the apartment was returned in a clean condition. We cleaned the unit ourselves and ensured it was left in a comparable state of cleanliness as when it was received. Under California Civil Code 1950.5, the landlord was required to provide a written, itemized statement of deductions along with supporting receipts within 21 days of move-out. I did not receive the required documentation within this statutory timeframe.…

I am filing this complaint regarding an alleged rental debt being collected by XXXX XXXX XXXX XXXX ( XXXX ) on behalf of my former landlord, XXXX XXXX XXXX XXXX XXXX. At the time of move-out, the apartment was returned in a clean condition. We cleaned the unit ourselves and ensured it was left in a comparable state of cleanliness as when it was received. Under California XXXX XXXX XXXX, the landlord was required to provide a written, itemized statement of deductions along with supporting receipts within 21 days of move-out. I did not receive the required documentation within this statutory timeframe. On XX/XX/XXXX, I formally disputed the debt in writing and requested validation pursuant to 15 U.S.C. 1692g ( b ). The debt collector did not provide proper written validation and instead attempted to handle the matter verbally, which is not compliant with federal law once a written dispute has been submitted.…

I recently summited a case number. XXXX on XX/XX/year> all these accounts were DISPUTED recently and they were marked UPDATED and never or were properly VALIDATED. The accounts keeps getting marked updated without real proof. The information on my credit report is inaccurate or inconsistent, however I believe my rights under the Fair Credit Reporting Act or Fair Deb Collection Practices Act are being violated. All companies were mentioned in the previous case number above.or referenced previously.

I am submitting a follow-up complaint regarding ongoing concerns with Genesis related to this debt. In my prior complaint, I disputed this account and raised concerns regarding settlement discussions, including issues surrounding a prior offer that was not honored despite my communication in advance regarding my intent and timing. Following that complaint, Genesis agreed to a settlement amount of {$3400.00}. While I am still attempting to resolve this matter responsibly and had been seeking a lower settlement closer to {$2500.00} ( approximately XXXX XXXX of the original debt ), my primary concern is the manner in which recent collection negotiations were handled. Recently, yesterday I was contacted again and pressured into making an immediate payment decision under highly time-sensitive settlement tactics. Initially, I was told I had until XX/XX/XXXX to accept a settlement offer of {$3400.00}.…

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XXXX XXXX XXXX XXXX , XXXX XXXX Debt Collector 's Address - insert if known ] Re : Cease and Desist Demand under 15 U.S.C. 1692c ( c ) Account Number : XXXX Original Creditor : XXXX at XXXX To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am formally requesting that you cease all communication with me immediately regarding the above-referenced account. This written notice serves as my officiaJ demand that you stop contacting me about this alleged debt. As required by federal law, after receiving this letter, you may only contact me to : 1. Confirm that your collection efforts have ended ; 2. Notify me that you may invoke specific remedies that are ordinarily invoked by your company ; or 3. Notify me that you intend to invoke such a remedy.…

I never rented an apartment from XXXX. I was sent to a collection agency for an apartment I have never heard of. I disputed the debt on all 3 bureau and my account with Columbia debt recovery llc dba genesis was removed from my credit reports but they continue to harass me and email me. Its abusive to continue to attempt to collect a debt that was removed by XXXX XXXX XXXX XXXX

I am disputing a debt of approximately {$9000.00} that is currently being reported on my credit report by Genesis related to a previous apartment lease. I believe the debt is inaccurate and has not been properly validated. I previously disputed this account with the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ). The account was marked as verified after those disputes, but I was not provided any documentation showing how the debt was validated or how the amount of approximately {$9000.00} was calculated. Because the account continued to be reported, I sent a written dispute and request for debt validation directly to Genesis via certified mail, requesting verification of the alleged debt and documentation supporting the amount being reported. According to USPS tracking, the letter was delivered on XX/XX/year>. As of the date of this complaint, Genesis has not responded to my validation request and has not provided any documentation verifying the alleged {$9000.00} debt.…