Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
Company : Columbia Debt Recovery LLC Genesis XXXX XXXX ( Creditor ) : XXXX Complaint Description : I am filing this complaint regarding Columbia Debt Recovery LLC/Genesis and their handling of an alleged debt they claim to be collecting on behalf of XXXX. The collector engaged in unprofessional, aggressive, and non-compliant behavior and refused to provide basic information that I am entitled to under the Fair Debt Collection Practices Act ( FDCPA ). 
During a recent phone call, the XXXX agent was rude, emotional, repeatedly cut me off, raised his voice, and ultimately hung up on me when I asked for clarification about the debt, settlement options, and their authority. I repeatedly requested that the conversation remain professional, but he escalated instead. 
The agent refused to provide his last name, which violates meaningful disclosure requirements. He also stated loudly, You will never see that, when I asked for proof of their settlement authority and information about the contractual limits they said were imposed by XXXX. The agent claimed the minimum settlement offer was {$2500.00} but refused to show any documentation or written confirmation explaining why negotiation was limited. This appears to be a misrepresentation of their authority under FDCPA XXXX. 
Although the agent stated the debt was validated, he refused to provide documentation proving their authority to collect or any explanation of how XXXX authorized the settlement limits they cited. He also refused to connect me to a manager at first, gave a managers name only when pressured, and immediately hung up. 
I believe the following violations occurred : FDCPA XXXX : Harassment, rude behavior, raised voice, emotional escalation, and hanging up. 
FDCPA XXXX : Misrepresentation of their authority to settle, refusal to explain or document settlement parameters, and refusal to provide identifying information. 
FDCPA XXXX : Failure to adequately validate by not providing proof of authority or itemized documentation. 
Refusal to provide professional communication or meaningful disclosure. 
Attempting to pressure me into paying a high settlement amount ( {$2500.00} ) without transparency. 
I am requesting the following : XXXX. A full written validation of the debt, including itemized charges, lease documents, proof of authority, and assignment. 
XXXX. A review of the call recording and disciplinary or corrective action for the agents behavior. 
XXXX. All communication to be in writing only. 
XXXX. A written explanation of their authority and settlement parameters. 
XXXX. Correction or removal of any credit reporting that is inaccurate or improperly validated. 
XXXX. For XXXX to review whether this agency is acting within the boundaries of their contract. 
The phone call should be on record, and I request it be preserved and reviewed. I am willing to resolve any legitimate debt, but only with transparency, professional communication, and full compliance with federal law. 
Thank you for your assistance.

Company response to consumer: Closed with explanation