Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
On Monday XX/XX/year>, I contacted COLUMBIA DEBT RECOVERY LLC DBA GENESIS about unresolved debt in hopes of settling the debt. They sent me an email of 30 % off my debt. Immediately I was transferred to XXXX. After verifying my identity he began to ask me invasive questions to settle the debt. Now I'm no lawyer but after consulting with my attorney, I've come to find out these practices are illegal. He asked me if I had filed my taxes, after I informed him that I was unemployed. When I asked him if that matters he said " well it is tax season. '' He then began to ask questions about my family members. The questions went as followed. " Is so and so still working as blank? '' " Is so and so still making x amount? Says here they are. '' Again I asked if any of this was relevant, and he proceeded to get an even nastier attitude and came up with a completely unreasonable number. I stated that I would be calling back and Immediately alerted the family member who offered to pay the debt for half the amount that was stated on the phone. Upon calling back I was hung up on, sent to voicemail, and Hung up on again before I was connected with XXXX. Once connected, I verified my identity and let him know that, we could pay half the stated amount he IMMEDIATELY declined the offer and insisted on MORE money. I told him I know they're tried of trying to contact me via email and he said " I dont email you the system does '' In a snarky unnecessary tone, I also let him know that the family member in question that they're including in the debt has proof that their signature was NOT present, and he immediately stated " We definitely have their signature, this is their email address is- and this is their IP address. When I informed him that these tactics are illegal, given that I was given detail on someone elses credit and accessing ip addresses is illegal, he proceeded to tell me well prepare the client for the client for the complaint. and I told him that I did record the call and that he can email my family member after dodging their emails for months, he proceeded to lie and say They told us do not email them so we can not. I then requested to be transferred to a supervisor. He replied with Good luck with the supervisor XXXX was her name. XXXX immediately was XXXX, when I explained the situation she was sympathetic ( incredibly condescending, just like XXXX ) especially when I raised concerns about the XXXX address to which she said they DO NOT have the family members ip address. She proceeded to say that the contract they have with the property. I told her im uncomfortable and still tried to work with them to get the balance down, she went silent, and then backtracked and said the ip address was on the application for the apartment. I called the apartment complex and they do not have anything of that nature on file. she documented my account and said this is a XXXX XXXXXXXX job. and that nothing they did was illegal. I informed her that I would be contacting my attorney and Filing a complaint. 


Hours later I called in to switch agents from my account because I do not wish to speak to XXXX any longer. I was transferred to him once again and he Refused to transfer me to another agent. Once I informed him that I do not wish to speak to him because of the laws hes broken he then transferred me after verifying me yet again. XXXX and I had a XXXX conversation which ended in me hanging up the phone because she said their jobs were to Call me out and hold me accountable for my unpaid debt and what I owe after I informed her that she can not be charging me interest on the debt owed, she then proceeded to tell me I will never rent again until I pay them the full balance, once again another threat to make me pay in full. Attached are all the phone calls from today. Two can not be attached due to them being XXXX mins long in length.

Company response to consumer: Closed with explanation