Consumer complaint received 2024-01-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXXXXXX XXXX XXXX TOLL FREE : ( XXXX ) XXXX MONDAY-FRIDAY XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original Creditor : XXXX Placed for collections on : XX/XX/XXXX Original Principal : {$4500.00} Current Principal : {$4500.00} Interest Due : {$48.00} Total Due : {$4500.00} XXXX XXXX XXXX XXXX As you may be aware, your account is past due. As a reminder regarding your balance, we request you choose one of the following : Mail the past-due amount today to the above address.

Mail a post-dated check today dated for any date this month that funds will be available.

Contact the undersigned account representative so satisfactory arrangements can be made.

Your attention to this matter is important to avoid further collection efforts. If payment has already been remitted, please call and notify your account representative promptly upon receipt of this notice.

*To make a payment or setup a payment plan, go to https : //payments.genesiscred.com.

Sincerely, COLUMBIA DEBT RECOVERY LLC DBA GENESIS ( XXXX ) XXXX This is an attempt to collect a debt. Any information will be used for that purpose. As of the date of this letter you owe the amount stated above. Your account bears interest at 7.00 % percent per annum. Because interest and other charges vary from day to day, please contact us to learn the exact amount you owe as of the date of your payment. 



Columbia Debt Recovery LLC DBA Genesis State Disclosures TO ALL CONSUMERS Notice about Electronic Check Conversion : When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment and you will not receive your check back from your financial institution. Also, you authorize us to represent a check as an electronic fund transfer from your account if your payment is returned unpaid.

Please be aware of the following rights. This list does not contain a complete list of the rights consumers have under state and federal law.

California Residents : The state Rosenthal Fair Debt Collection Practices Act, and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX XXXX  or after XXXX XXXX They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or http : //www.ftc.gov/. 

As required by law, you are hereby notified that a negative credit agency report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. 

Colorado Residents : The Colorado office of Columbia Debt Recovery is located at XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, telephone ( XXXX ) XXXX. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW : //COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/. A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt. 

Minnesota Residents : This collection agency is licensed by the Minnesota Department of Commerce. 

Maine Residents : Hours of XXXX : M-F XXXX XXXX PDT ; Call toll free ( XXXX ) XXXX. 

New York : Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C.

1692 et seq., are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to : the use or threat of violence ; ( ii ) the use of obscene or profane language; and ( iii ) repeated phone calls made with the intent to annoy, abuse, or harass. If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt:1. Supplemental security income, ( SSI ) ; 2. Social security ; 3. Public assistance ( welfare ) ; 4. Spousal support, maintenance ( alimony ) or child support ; 5.