Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the debt currently being reported by Columbia Debt Recovery, d/b/a Genesis Credit Management, in the amount of {$9400.00}. I demand immediate correction and relief based on substantial violations of both federal and Colorado debt collection and consumer protection laws, as outlined below.

1. Failure to Provide Debt Validation and Right to Dispute Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ), a debt collector must provide written notice of the amount of the debt, the name of the original creditor, and a statement of the consumer 's right to dispute the validity of the debt within 30 days. Columbia Debt Recovery failed to provide this notice, and I never received any communication from your agency prior to seeing this account on my credit report.

Despite my multiple dispute attempts via third-party services, no contact information or validation was ever provided. It was only when I conducted my own researchafter being denied housingthat I discovered Columbia Debt Recovery was collecting on behalf of XXXX XXXX When I contacted your office directly on XX/XX/XXXXXXXX, your agent ( XXXX ) failed to explain my rights under the FDCPA or provide written validation of the debt. This is a clear violation of 15 U.S.C. 1692g ( a ) - ( b ) and grounds for full deletion.

2. Refusal to Provide Accurate Accounting of Payments After setting up a payment arrangement under pressureincluding a threat that I would not be able to rent unless I paid in fullI made the following payments totaling {$6200.00} : - XX/XX/XXXX : {$940.00} ( initial payment ) - XXXX : {$250.00} ( auto ) - XX/XX/XXXX : {$950.00} ( online ) - XX/XX/XXXX : {$750.00} ( phone ) - XX/XX/XXXX : {$250.00} ( auto ) - XX/XX/XXXX : {$900.00} ( online ) - XX/XX/XXXX : {$1000.00} ( online ) - XX/XX/XXXX : {$250.00} ( online ) Despite these payments, my online ledger showed a remaining balance of {$4100.00} and failed to reflect most of my payments. The online portal falsely indicated Amount Paid : {$0.00}, and receipts for phone payments were never provided. When I requested a written ledger of all transactions on XX/XX/XXXXXXXX, I was denied. XXXX informed me Columbia does not have the capability to generate written statementsa claim that is false, unethical, and legally indefensible. 

This constitutes a violation of 15 U.S.C. 1692e ( false or misleading representations ), 1692f ( unfair practices ), and Colorado Fair Debt Collection Practices Act ( CFDCPA ), C.R.S. 5-16-108.

3. Debt Validation Documents Contain Material Inaccuracies In response to my formal dispute filed via the Consumer Financial Protection Bureau ( CFPB ), your company provided two documents : a lease and a final bill from XXXX. These fail to meet the burden of validation required under 15 U.S.C. 1692g ( b ) and C.R.S. 5-16-109. Specifically : - The move-out date is listed as XX/XX/XXXX, yet additional rent charges of {$2100.00} were billed for XXXX, without explanation. 
- The line item for total charges ( {$9000.00} ) does not reconcile with individual charges. An unexplained discrepancy of {$2800.00} exists. 
- The final bill contradicts the lease agreement : - Deposit : Lease states {$250.00} ; bill states {$350.00}.

- Rent : Lease states {$1800.00} ; bill states {$1700.00}.

- Pet Rent : Lease lists {$0.00} ; bill adds {$28.00}.

4. Illegal Charges and Interest The final bill also contains unsubstantiated and inflated charges : - {$710.00} for carpet replacement : The apartment contained only ~30 sq ft of carpet. No photos, invoices, or proof of damage were provided.

- {$75.00} trash removal : The unit was emptied and cleaned. No inspection report was provided.

- {$230.00} in utilities : No utility invoices or breakdown were provided.

These charges violate C.R.S. 38-12-103 ( 1 ), which restricts deductions from a security deposit to actual damages beyond normal wear and tearand requires documentation.

Additionally, interest is being charged at 8 % annually despite no lease clause authorizing interest on unpaid balances. Charging interest in this manner is a violation of C.R.S. 5-5-101 ( 1 ) and unlawful under the FDCPA when not authorized by contract or law ( 15 U.S.C. 1692f ( 1 ) ).

5. Unlawful Collection Practices and Pattern of Misconduct Columbia Debt Recovery has a documented history of consumer complaints and legal action regarding deceptive practices and failure to validate debts. The practices described above are consistent with this pattern and represent systematic violations of consumer protection laws.

DEMAND FOR SETTLEMENT Given the repeated violations of federal and Colorado law, the lack of substantiated or itemized debt, and the misleading representations, I am demanding the following resolution : 1. Full refund of all payments made to Columbia Debt Recovery ( Genesis ), totaling {$6200.00}.

2. Immediate deletion of the account from all credit reporting agencies ( Equifax, TransUnion, Experian ).

3. Written confirmation that this account is considered paid in full and closed.

4. A complete and accurate accounting of the debt and all payments made.

Failure to comply within 10 business days will result in : - Additional formal complaints to the Federal Trade Commission ( FTC ) and Colorado Attorney Generals Office.

- Civil action to recover all funds and statutory damages under the FDCPA ( up to {$1000.00} per violation ) and CFDCPA ( C.R.S. 5-16-113 ), plus emotional and financial damages for harm to my credit and ability to secure housing.

This letter is written in good faith in an attempt to resolve the matter amicably. If you believe any portion of this debt is valid, you are required under law to provide evidence in writing, including original invoices, itemized charges, signed agreements, and proof of interest calculation.

Company response to consumer: Closed with explanation