Consumer complaint received 2024-02-07
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

I, XXXX XXXX am writing this written complaint to the CFPB in regard to the lack of information that was received from COLUMBIA DEBT RECOVERY LLC DBA GENESIS. In the initial complaint that was filed against COLUMBIA DEBT RECOVERY LLC DBA GENESIS, I, XXXX XXXX, stated that the debt collection agency did not have license to collect in the state of Tennessee. COLUMBIA DEBT RECOVERY LLC DBA GENESIS responded that they are licensed to collect in " all municipal states ''. This has not been proven to be true. The XXXX XXXX XXXX  gave this debt collection agency a bad rating. I, XXXX XXXX, have reason to believe that this is a factor as to why. In the initial Debt Validation letter that was sent to COLUMBIA DEBT RECOVERY LLC DBA GENESIS, they were asked specifically for proof of this claim specifically, they were asked to " provide GENESIS 'S business license number. '' This request was ignored. It was requested that the original contract and all statements proving the validity of the account for when it was opened be provided. This information was not received. There was only a copy of an alleged contract provided. I, XXXX XXXX, requested that the debt collection agency provide the " agreement with GENESIS 'S client that grants GENESIS the authority to collect this alleged debt. '' This request was ignored. COLUMBIA DEBT RECOVERY LLC DBA GENESIS has violated the FDCPA per 15 USC 1692e ( 2 ) ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. It was requested in the initial Debt Validation letter " Whats GENESISS commission for the debt if collection efforts are successful? '' This request was also ignored. I, XXXX XXXX, have reason to believe COLUMBIA DEBT RECOVERY LLC DBA GENESIS has not provided me confirmation of Federal statutory law, enacted pursuant to constitutional authority '' with the company received from the alleged original party for the alleged account. This debt collection agency is factually picking and choosing which information they would provide instead of providing what was requested in the initial Debt Validation letter. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. COLUMBIA DEBT RECOVERY LLC DBA GENESIS stated that they only communicate with consumers as " GENESIS ''. This statement is false and can easily confuse any average consumer. This is why the law calls it deceptive practices. If this was the case, they would have addressed themselves as " GENESIS '' only during our communication and excluded the name " COLUMBIA DEBT RECOVERY LLC ''. COLUMBIA DEBT RECOVERY LLC was included during all communication through electronic email and was perceived as such. This is a violation per 15 USC 1692f ( 8 ) and is perceived by XXXX XXXX the consumer as a form of harassment, obscene and profane language per 15 USC 1692d ( 2 ) in which COLUMBIA DEBT RECOVERY LLC DBA GENESIS can not determine what is obscene and profane to an individual.