Consumer complaint received 2025-07-25 00:00:00
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
State: CO

Complaint narrative:
XXXXI attempted to dispute a collection on my credit multiple times, using a 3rd party service, from Genesis of almost $XXXX  because I didnt know what it was for. It was always denied but there was no contact information for the debt collector. I applied for an apartment and found that it was for an amount owed to a previous landlord. I searched for the information of the creditor and found that Genesis is a D.B.A. for Columbia Debt recovery. I called XXXX  and reached XXXX.I explained that I had never received a final statement from the original creditor nor any communication from Genesis prior to seeing it on my credit report so I had no idea what it was. She never told me the original balance of the debt from the original creditor, I do not recall any explanation of my right of disputing the debt. I asked if I set up a payment plan if they could remove it from my credit report. XXXX  explained not until it was paid in full, which I understand, and told me she hoped wherever I lived I could stay there because I wasnt going to be able to rent anywhere until I repaid the $XXXX  plus the interest of 8% annually it is continuing to accrue. I was told I had to pay a minimum of 10% of the debt in order to set up a payment plan, I chose to make biweekly payments on the XXXX  and XXXX  in the amount of $XXXX each payment.XXXX XXXX the initial payment of $XXXX  was made- the receipt did not show $XXXX  as the balance I was paying on, it showed $XXXX  with interest of XXXX  to be paid, those amounts did not equate to $XXXX. After my first payment of $XXXX, my receipt showed a remaining balance of $XXXX, which seems impossible.XXXX XXXX  autopay \XXXX  online account portal XXXX online portal attempt of $XXXX,the account ledger online shows a payment of $XXXX, however a phone payment was made XXXX XXXXof which no proof f payment was received \XXXX XXXX auto payXXXX XXXX XXXXI realized my online account ledger didnt reflect all payments made. Nor did it show an original balance, and that I wasnt receiving receipts for payments made by phone.\nI called XXXX and spoke to XXXX. The reason for my call was to request an accounting of my payments and balances in writing starting from the original balance to present. XXXX  told me to check my account on the website. I explained I had, that no payments made by phone or completed automatically in accordance to my payment plan were reflected on my online account, additionally that I never receive receipts of any kind for payments made over the phone. I further explained that my account statement only gave my current balance and the line reading amount paid reads $XXXX. I asked more than once for something to be mailed or emailed that reflected each payment with dates and the balances. XXXX  told me that she could only give me my payment history verbally.I was told that your company does not have the capability to provide me that information in writing.  that my bank statements serve as receipts for phone payments and that nothing can be mailed to me either. She did however, ask if I wanted to make another payment, which I declined at that time. \nI later learned that if a full, detailed payment history is requested its a violation of the FDCPA. I was also never given an accurate amount owed on the original debt, I was only told I owed $XXXX, which is $XXXX  higher than the documentation provided Via payment receipts, which never reflected payments accurately deducted from the remaining balance.'

Company response to consumer: Closed with explanation