Consumer complaint received 2026-05-13 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: TX

Complaint narrative:
I am filing this complaint against Columbia Debt Recovery LLC, dba Genesis ( Account # XXXX ), regarding an alleged debt of {$990.00} purportedly owed to XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( managed by XXXX ) for a former rental unit at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am disputing this debt on three grounds : 1. FAILURE TO PROVIDE ITEMIZED ACCOUNTING/ VALIDATE DEBT I made multiple written attempts to obtain a final, itemized accounting from the original creditor prior to this account being sent to collections : XX/XX/XXXX : I emailed the property manager at XXXX asking about the security deposit and any outstanding balance. No response was received. XX/XX/XXXX : I sent a follow-up email documenting my phone attempts to reach the office, noting I was never asked for a forwarding address upon move-out and was dismissed by staff when I called. XX/XX/XXXX : I sent a formal written dispute to my former co-leaseholder after she forwarded a XXXX " XXXX Notice '' dated XX/XX/XXXX the first notice I had any knowledge of. Despite these efforts, no itemized accounting, move-out statement, or documentation was ever provided by the original creditor. Under Texas Property Code 92.103, landlords are required to return a security deposit or provide an itemized written accounting within 30 days of move-out. This was never done. When Columbia Debt Recovery / Genesis contacted me on XX/XX/XXXX, I submitted an initial formal written dispute on XX/XX/XXXX, requesting full debt validation per the FDCPA. As of this filing, no validation has been provided. 2. SENT TO COLLECTIONS WITHOUT PROPER NOTICE I never received any direct written notice from the original creditor regarding this balance. The only " notice '' I received was forwarded to me by my former roommate from an email sent to her on XX/XX/XXXX over six months after my move-out. I was never contacted directly by the original creditor with an itemized final invoice despite multiple written requests. 3. ABUSIVE CONDUCT BY COLLECTION REPRESENTATIVE On XX/XX/XXXX at approximately XXXX XXXX Central Time, I called Genesis at ( XXXX ) XXXX to provide verbal notice of my dispute. I spoke with a representative who identified himself as XXXX XXXX. During the call, XXXX XXXX repeatedly interrupted me while I was speaking. When I requested to speak with a manager, the call was disconnected. This conduct may violate 15 U.S.C. 1692d ( prohibition on harassment or abusive conduct ) of the Fair Debt Collection Practices Act. I have documented all of the above communications and the call log showing the XX/XX/XXXX call. I have also submitted a written supplemental dispute to Genesis at XXXX documenting the representative misconduct and reiterating my request for debt validation. I am requesting that the CFPB investigate this matter and require Columbia Debt Recovery LLC, dba Genesis to cease collection activity until proper debt validation is provided.

Company response to consumer: Closed with explanation