Consumer complaint received 2023-01-21
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
TITLE 15 USC CH. 41 1692G 1692g. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


I was never given a written notice of debt within 5 days from this alleged debt collector COLUMBIA RECOVERY LLC outlining the dispute processes I am legally entitled to in sections ( a ) ( 3 ) - ( 5 ). My initial communication regarding this alleged debt was on XX/XX/XXXX by phone. They asked on the phone if it was okay to send further information to me via email. I agreed. They sent an email on XX/XX/XXXX containing the following Amount of debt Name of creditor Name of debt collector Alleged lease Ledger, with itemization of debt By the end of the business day on XX/XX/XXXX, I had not received any written notice of debt with other mandated information in it, bulleted below. I did account for XX/XX/XXXX being considered a federal holiday. I am reporting them for this violation. Their email dated XX/XX/XXXX did not contain the following : ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
If the notice is provided electronically, the consumer-response information regarding disputes must include a statement explaining how the consumer can take these dispute actions electronically. Per the Consumer Financial Protection Bureau XXXX XXXX ) ( XX/XX/XXXX Rule ) On my original call on XX/XX/XXXX with a representative calling herself XXXX, she said she would transfer me to a supervisor to dispute the alleged debt but she claimed something to the effect of You wont win the dispute because you are wrong. She does not know if I am wrong or right and by saying so she is in violation of XXXX. She asked me to hold for a supervisor, I waited, and the call hung up. I called back within a few minutes twice. I spoke with XXXX one of these times, she apologized for the call dropping and said she will transfer me to a supervisor to explain the dispute process and I was never connected with a supervisor. I called again and dont recall the information discussed. I believe these failed attempts to connect me with a supervisor were purposeful and attempt for me not to know my rights. 

Due to this illegal omission, they are subject to fines as outlined in the U.S. code and Florida statutes. Because they did not provide the mandated written notice with the above outlined information within 5 days, and because of the unfair practices by their representative, I wish for them to cease all collection permanently regarding this alleged debt. Further, if the account has been reported to any consumer credit report agency files, I ask that this company contact the agencies and request that they be deleted. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation