Consumer complaint received 2026-06-05 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OR

Complaint narrative:
I am filing this complaint to report unfair, deceptive, and predatory debt collection and credit reporting practices resulting from statutory violations by my former landlord ( XXXX ) and their designated debt collector ( Columbia Debt Recovery LLC, dba Genesis ). The chronological facts of this dispute are as follows : XX/XX/XXXX : I requested and received an official tenant ledger from the landlord for my upcoming new apartment application. The ledger explicitly certified a {$0.00} balance. XX/XX/XXXX : I officially vacated the unit due to constructive eviction, caused by severe, unaddressed tenant harassment which required law enforcement intervention. XX/XX/year> : The landlord mailed a " Final Statement '' backdating charges. They assessed a {$2600.00} Early Termination Fee ( despite the constructive eviction ) and a {$580.00} utility lump-sum. Crucially, the statement lacked any itemized usage details or utility breakdown, which is a direct violation of Oregon 's 31-day security deposit accounting law ( ORS 90.300 ). Premature Collection & Deficient Validation : I immediately demanded an itemized breakdown of these vague charges from both the landlord and the debt collector. Instead of providing the legally required validation, the landlord prematurely assigned the unverified account to Columbia Debt Recovery LLC ( Genesis ), who immediately placed damaging collection marks on the credit profiles of both myself and my co-resident adult son. Post-Collection Back-and-Forth : It was only after the debt had already been reported to the credit bureaus that the landlord finally emailed me the utility details. Complete Deletion by Collector : Upon receiving my formal dispute regarding this severe lack of prior validation, Columbia Debt Recovery LLC recognized the debt was legally unenforceable and completely deleted the collection record from our credit reports. Forced Payment Under Protest : To salvage our credit standings while this unverified debt was hanging over us, I was forced to pay the remaining net balance of {$2200.00} to the landlord under protest. This final paid balance reflects the total unverified charges ( {$3200.00} in illegal fees and un-itemized utilities ) minus my {$400.00} security deposit and pre-existing credits, meaning the landlord weaponized debt collection to absorb my deposit/credits and extort an additional cash payment. Currently, the debt collector has effectively admitted lack of validity by deleting the record. Yet, the landlord refuses to issue a refund, stating in writing that they " no longer manage the account '' and directing me back to Columbia Debt Recovery LLCthe very agency that already dropped the case. The landlord can not contract away their statutory liabilities under Oregon law. They failed to provide a timely itemized ledger, engaged in deceptive accounting, and used a collection agency to extort funds. I request an investigation into this predatory chain of collection and compel the landlord to issue a full refund of my {$2200.00}, plus the return of my absorbed security deposit and credits.

Company response to consumer: Closed with explanation