Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
What happened I am disputing a debt that a third-party collector is attempting to collect on a residential lease after I relocated for urgent medical reasons and provided an ADA accommodation letter. The landlord and its agent did not provide the legally required deposit accounting within 30 days, accelerated the remaining lease balance instead of itemizing lawful charges, and routed communications through no-reply email channels that prevented resolution. 

Timeline and key facts XX/XX/year> I executed a XXXX XXXX XXXX XXXXXXXX XXXX  that included standard deposit and termination provisions. 

Security deposit The lease requires the landlord to provide an itemized list of deductions and any refund within 30 days after surrender, once a forwarding address is provided. 

Reletting/early termination The lease permits a reletting charge capped at 85 % of XXXX months rent and requires mitigation. It does not authorize automatic acceleration of the entire lease balance. 

XXXX XXXX XXXX XXXX I notified the landlord in writing of a medical accommodation need ( ADA ) and that I would vacate immediately for medically necessary treatment in another state. 

XX/XX/year> The community XXXX confirmed receipt of the keys by email, acknowledging surrender of possession. 

By early XX/XX/year> ( XXXX deadline ) No compliant deposit accounting or refund was provided. 

XX/XX/year> I received a move-out statement via an automated no-reply email that demanded {$4700.00} but did not itemize deductions or apply the {$2300.00} deposit. 

XX/XX/year> I also emailed RPM corporate leadership regarding the ADA accommodation and deposit. These communications show repeated attempts to resolve and lack of response. 

September 2324, 2025 A third-party collector sent validation letters stating {$4700.00} ( plus small interest ) was due. These letters did not include a signed lease, a deposit accounting, or evidence of reletting/mitigation. 

Why XXXX complaining No XXXX deposit accounting Despite surrender and a forwarding address, no compliant accounting or refund was provided within 30 days as required by Texas law XXXX Under Texas Property Code 92.109, the landlord therefore forfeited the right to withhold any portion of the deposit and is liable for statutory damages equal to XXXX times the deposit amount, plus {$100.00} and reasonable attorneys fees. 

Improper balance acceleration/ no mitigation The landlord treated the full remaining lease as immediately due, rather than applying the reletting charge structure and showing mitigation. 

Communication barriers RPM routed communications through no-reply email addresses, preventing resolution and contributing to the account being placed with a collector. 

Insufficient validation The debt collectors responses included only balance summaries, without the required supporting documents. 

Amounts - Amount demanded {$4700.00} ( later {$4700.00} with interest ). 
- Security deposit {$2300.00} was paid at move-in. None of it has been refunded or lawfully accounted for. 
- Statutory damages Under Texas law, landlords failure to provide an itemized accounting within 30 days entitles me to damages of three times the deposit amount ( {$7000.00} ), plus {$100.00} and attorneys fees.

What I did Provided written ADA accommodation notice and vacated promptly. 
Returned keys and received written acknowledgment. 
Attempted to communicate repeatedly with management and corporate leadership. 
Sent a written dispute to the collector and requested validation. 

What the company did Failed to provide the required itemized deposit accounting within 30 days. 
Issued a lump-sum balance demand instead of an itemized accounting. 
Accelerated the full balance rather than following reletting and mitigation terms. 
Used no-reply emails that prevented resolution. 
Collector provided only a balance summary without the underlying documentation. 

What I want the CFPB to do Require the collector to cease collection and credit reporting unless and until it provides full validation : a ) signed lease ; b ) complete itemized deposit accounting ; c ) documentation of reletting/mitigation ; and d ) all communications regarding the ADA accommodation .

Require RPM to provide the overdue 30-day deposit accounting, refund the deposit, and pay the statutory damages required under Texas Property Code 92.109 ( three times deposit, plus {$100.00} ). 

If the debt has been reported, require the furnisher to update tradelines to disputed and delete any reporting not supported by proper validation and lawful accounting. 

Supporting documents available * XXXX XXXX ( executed XX/XX/year> ). 
* Email chain ( XX/XX/XXXX XX/XX/year>, including XXXX notice and key return acknowledgment ). 
* Email to RPM leadership ( XX/XX/year> ). 
* XXXX XXXX XXXX email ( XX/XX/year>, no-reply ). 
* Move-out statement ( XX/XX/year>, lump-sum balance ). 
* Collector validation letter ( XX/XX/year> ). 
* Collector validation letter ( XX/XX/year> ).

Company response to consumer: Closed with non-monetary relief