Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
What is this complaint about?

Product/Issue : Debt collection Attempted to collect wrong amount / debt not owed ( + communication tactics/harassment and improper third-party contact ) Primary company ( collector ) : Columbia Debt Recovery, LLC d/b/a Genesis ( Genesis ) Mail for disputes : XXXX XXXX XXXX, XXXX, XXXX  XXXX Office : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX Phone XXXX XXXX XXXX ) XXXX Other company involved ( furnisher/owner/manager ) : XXXX XXXX XXXX XXXX, XXXX ( property owner/manager ) My information Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Former address on this account : XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX ) Phone : [ insert ] Email : [ insert ] Last 4 of SSN : XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX Account details Collector account/reference # : XXXX ( Genesis ) Original creditor/property : XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX internal account # : XXXX Amount Genesis is trying to collect : {$420.00} Date Genesis says it was placed XXXX XX/XX/XXXX Move-out date ( XXXX statement ) : XX/XX/XXXX My payment to XXXX : {$3500.00} on XX/XX/XXXX ( Check # XXXX ) What happened ( your narrative ) I am disputing a {$420.00} apartment collection that Columbia Debt Recovery/Genesis is reporting under Acct # XXXX for XXXX XXXX XXXXXXXX XXXX, Unit # XXXX ( owned/managed by XXXX ). 

Paid in full / inaccurate balance. XXXX  own Summary of Move Out Charges ( Acct # XXXX ) shows total charges of {$3900.00} and my {$3500.00} payment on XX/XX/XXXX ( Check # XXXX ). XXXX later marked the account placed for collections on XX/XX/XXXX for the remaining {$420.00}, but neither XXXX nor Genesis has produced itemized documentation substantiating the {$420.00} ( no invoices/receipts, no utilities, no move-out photos, no DOFD details, no placement authority ). I assert the account is paid in full/ {$0.00} or otherwise incorrectly calculated and inaccurately reported. 

Failure to provide proper validation. Genesis sent a validation letter dated XX/XX/XXXX that simply repeats the balance and creditor name. It does not include the required itemized ledger, invoices/receipts, lease/addenda, utility calculations, date of first delinquency furnished to the bureaus, or placement/authority documentation, despite my written dispute.

Harassment/threats and aggressive conduct. Genesis representatives have been abusive. 

XXXX threatened me during a phone call. 

XXXX became aggressive and extremely rude, including after I declined to provide my employer information ( which is not required to validate a debt ). 
I have call recordings and a call log.

Improper third-party contact. Genesis contacted my emergency contact listed on my lease. This is improper third-party contact for debt collection. They are not permitted to disclose a debt to third parties, and any one-time location information call can not include details of a debt or be repeated. My emergency contact informed me of Genesiss outreach. 

Furnisher responsibilities. I also contacted XXXX as the data furnisher to correct the account and recall the collection. I asked XXXX for a written XXXX XXXXXXXX outcome if they can not substantiate the {$420.00}. I have not received a proper written resolution. 

This collection is harming my credit. My XXXX  report ( dated XX/XX/XXXX ) shows the Columbia Debt Recovery tradeline and dispute remarks but no correction/deletion.

Company response to consumer: Closed with non-monetary relief