Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX about XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / Collector : Columbia Debt Recovery LLC DBA Genesis/ Alleged Amount : {$4100.00} / Apartment : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX / Security Deposit : {$830.00} I am writing to express my dismay and distress, also to report a fraud debt collection that I have never owned and I have been experiencing for a long time. Also, having already had several unsuccessful claims with the parties involved. Here are the facts and timeline : The story begins on XX/XX/XXXX, I received from XXXX XXXX XXXXXXXX the finalized student lease agreement with a relative named XXXX XXXX as guarantor. The student lease was supposed to begin on XX/XX/XXXX. Unfortunately, I faced XXXX unforeseen situations, the first related to my work and the second, the real estate XXXX XXXX XXXX XXXX, where I was living at the time, refused to let me leave, because my lease had been automatically renewed. - XX/XX/XXXX, I received a email from XXXX XXXX XXXXXXXX threatening me with eviction if I didn't pay by XXXX AM the next day, otherwise {$220.00} would be added to my balance due. Very strange, especially since the rent hadn't even started yet. Their aggressive tactics should have already raised some red flags. - XX/XX/XXXX, I made a payment of {$830.00} in XXXX installments ( {$510.00} and {$310.00} ) as an advance on the first month 's rent, which I never used. - I then went to meet with the leasing manager XXXX XXXX, on XX/XX/XXXX, to explain the situation. She promised me she would work on the case for a solution and that I would be notified. After seven days without any response from her, I went back in person again for a second time to inquire about the situation. This time, she told me that I had exceeded the seven-day notice period for termination, but they will call me for any changes. I was confused when they called me on XX/XX/XXXX, asking me if Im still moving in and I tell them that Ive already talked with the Leasing manager and I was waiting for a fair update. - Since I still hadnt received a call or email from her for several days ( I havent even received a call or a message to this day ), I sent her an email on XX/XX/XXXX, to enquire about the situation due to my credit on the lease account. Because I was expecting a refund of my payment. No response. - XX/XX/XXXX. XXXX, I sent another email to XXXX XXXX, again requesting a refund of my unused deposit. Still no response. - XX/XX/XXXX, In the meantime, someone with an urgent need for housing needs my help and we went to XXXX XXXX XXXX XXXXXXXX, so he could take back the alleged Unit, but I was very unpleasantly surprised and disappointed when they told me at reception that the unit was already rented, weeks ago. - XX/XX/XXXX, I received a move out statement email from XXXX with a balance due of {$9500.00}, to which I replied on XX/XX/XXXX, reminding them that I had never moved in. They replied arguing that the Account Specialist assigned to me is XXXX XXXX and she will review my inquiry and reply at earliest opportunity. - Friday, XX/XX/XXXX, I received a final notice email from XXXX XXXX asking me to pay {$3900.00} instead of the {$9500.00} XXXX had previously claimed. Proof that they were aware of the unfair nature of this so-called debt. - XX/XX/XXXX, Columbia Debt Recovery LLC DBA Genesis placed me for collections. - XXXX, XXXX, Columbia Debt Recovery LLC DBA Genesis sent me an email of debt collection of {$4000.00}. Original Creditor : XXXX XXXX XXXX. Placed for Collections on : XX/XX/XXXX. - XX/XX/XXXX, Ive sent to XXXX a formal demand for return of security deposit & cessation of unlawful collection activity. And they replied on XX/XX/XXXX, that XXXX is not managing my account, and they apologize for not being able to assist me with my inquiry or concern. They recommend me to send all correspondences directly to the agency who currently manages my move out XXXX XXXX XXXX : XXXX XXXX XXXX XXXX - XX/XX/XXXX, Columbia Debt Recovery LLC DBA Genesis responded to my email by sending me the lease agreement and the ACCT Statement from XXXX. - On XX/XX/XXXX, Columbia Debt Recovery LLC DBA Genesis offers me a balance reduction of up to XXXX %. An offer that I found dishonest, because they know very well that this debt collection is inappropriate and not mine. XXXX XXXX Ive sent to XXXX another XXXX demand and notice of impending litigation. - On XX/XX/XXXX, I replied with an email demanding immediate cessation of illegal collection activities and deletion from credit reports. - Ive gone back to their office on XX/XX/XXXX, where I met with the property XXXX XXXX XXXX, who asked me to send her an email with all information about the case. She told me that she will check my account when she receives my email and will send a debt collection cessation email to XXXX if she finds that I have never taken possession of the keys. - On XX/XX/XXXX, I sent an email to XXXX XXXX with all the proof that I never slept a single night there. I never received a reply from her - I went back to see her in XX/XX/XXXX and in XX/XX/XXXX for the third time, all I got as an answer from her was, I never actually got the keys and that she had written to XXXX so that the debt would be cancelled. - I waited until the beginning of XX/XX/XXXX when I went back to see her for the fourth time, and she told me she was working on my case and would send another email to XXXX. Still no follow-up, I sent her an email on XX/XX/XXXX ; to inquire about the progress of my case and I never received a reply. - I waited until the beginning of XX/XX/XXXX, when I went back to see her for the fourth time. She told me she was working on my case and would send another email to XXXX. Still no response. I emailed her again on XX/XX/XXXX, to inquire about the progress of my case, but I never received a reply. - I went back to see her last month, XX/XX/XXXX, and this time she told me she effectively saw my emails but wasn't working there at XXXX XXXX XXXX when my case was being processed. She said XXXX ( not XXXX this time ) never replied to her despite the emails she sent regarding the solution to my case. She said she would send another email. That's when I realized they didn't care about my distress or my case and were just giving me the runaround. It was a real nightmare trying to meet her, because every time I announce myself at reception, she always says she's very busy and can't see me. Her office opens onto the reception hall, and she always finds a reason not to see me. Every time I do meet her, I get answers to my questions either at the door of her office, in a demeaning and humiliating manner, or very briefly and in a dismissive reply with a I dont care tone, when I'm lucky enough to meet her at reception. Twice, she's refused to receive me with her office door open, even though I'm right in front of her at reception. I felt humiliated and belittled. I would like to emphasize that I have always maintained a dignified, polite, and respectful attitude every time I went there. Dispute History : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX : XX/XX/XXXX, Demand for immediate cessation of illegal collection activities and deletion from credit reports Submitted : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Formal demand for return of security deposit & cessation of unlawful collection activity. Email : XX/XX/XXXX, Formal demand for return of security deposit & cessation of unlawful collection activity. Email : XXXX, XXXX Request for debt cancellation to XXXX XXXX XXXX : No response Email : XX/XX/XXXX, Follow-up on Collection Removal. Status : No response I would like to clarify that I made a mistake in sending the disputes to the credit agencies, by ticking that the debt was mine. It goes without saying that I have never come into possession of the keys, nor slept a single night in that unit XXXX and I did everything I could to have this debt collection cancelled. I kindly demand a check into this account and please contact XXXX to stop this debt collection and cancel it. This debt collection is already damaging my credit report, lowering my credit score and harming my credibility, as I have been refused a credit card because of this. The reason Greystar is used to putting me in debt collection is that I signed the student lease, even though I informed them well in advance that I couldn't move in, and despite XXXX not incurring any loss of revenue since they rented the unit in the same month the student lease began. I was wondering if can conduct an inspection of their records so that this illegal practice can be stopped. I have attached all relevant documents to my allegations. I implore you to help me resolve this situation and hope that the truth will finally come out about all these dishonest practices. In conclusion, I have acted in good faith and with the utmost professionalism throughout this entire process, despite the dismissive and humiliating treatment I received from local management. The evidence clearly shows that no loss of revenue was incurred by XXXXXXXX XXXX XXXXXXXX, as the unit was occupied by another tenant immediately upon the scheduled start of my lease. The continued attempt to collect a debt that does not existwhile simultaneously withholding my {$830.00} security deposits a predatory and illegal practice. I have already suffered tangible financial harm due to these inaccuracies, including the denial of credit. I trust that the CFPB will conduct a thorough investigation into XXXX records to rectify this situation and ensure that these dishonest practices are stopped. I look forward to a prompt resolution that includes the full cancellation of this alleged debt, the removal of the collection from my credit reports, and the return of my deposit.

Company response to consumer: Closed with explanation