Consumer complaint received 2023-12-04
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I received an email from XXXX regarding reference : XXXX ( see attached ). I sent a debt verification letter that was delivered on XXXX tracking # : XXXX ( see attached ). In this letter I asked for multiple pieces of information to verify the debt. In XXXX Columbia Debt Recovery LLC, dba Genesis added this account to my credit report with the notation that it was under dispute. Today is XX/XX/2023 and I have yet to receive ANY documentation from Columbia Debt Recovery LLC, dba Genesis regarding this debt. They have updated the comments on my collection to say that the debt meets FCRA requirements ( I'll get to that soon ). I did not receive a debt verification letter after 30 days nor did I receive a letter stating that the request would take longer. It has been longer than 60 days and I have received no documentation. THIS IS A CLEAR VIOLATION OF MY RIGHTS. Please review the following : " After completing or terminating a reinvestigation, the CRA must notify the consumer of the results within five business days ( 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), ( a ) ( 6 ) ). The CRA should provide, among other things, a revised consumer report and, on the consumers request, a statement describing the procedures it used to reinvestigate the allegedly inaccurate information ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ) ''. In the letter I sent, you will see I have provided the correct mailing address. Columbia Debt Recovery LLC, dba Genesis also has my email and phone number. There is no excuse to have not received documentation back from them. HERE IS THE SECOND PART OF MY COMPLAINT. I noticed that this account is accruing interest. The law states that a debt collector may only charge interest as it is defined in the ORIGINAL agreement with the original creditor. This is what the original agreement states " You must pay all collection-agency fees if you fail to pay all sums due within 10 days after we mail you a letter demanding payment and stating that collection agency fees will be added if you dont pay all sums by that deadline ''. Columbia Debt Recovery LLC, dba Genesis can not charge interest unless the original creditor mailed me a letter demanding payment that states agency fees will be added. I requested this information in my verification letter, but never received a response. I would like the date the original creditor sent this notice and a copy of the letter. My original agreement also states the following : " This is our policy and procedure for any outstanding balance... We will call you, your family members, friends, work, etc. in addition to knocking on your door in an effort to collect unpaid balances. We will enter your home to check for occupancy daily and may perform other legal remedies for collection, including lockouts and liens ''. Columbia Debt Recovery LLC, dba Genesis can not charge interest unless the original creditor followed their policy and procedure on collecting outstanding debts. To add insult to injury, it seems I was charged twice for water. If Columbia Debt Recovery LLC, dba Genesis actually investigated this, they would have noticed this.

Company response to consumer: Closed with explanation