Debt collection -- False statements or representation -- Complaint #13312954
Complaint Overview
Complaint ID: 13312954
Company: Rowland Avenue Management, INC. A/Ka Columbia Debt Recovery, LLC D/B/A Genesis
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Washington
ZIP Code: 983XX
Date Received: 2025-05-02T12:00:00-05:00
Date Sent to Company: 2025-05-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX. XXXX XXXX XXXX, WA XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX RE : Formal Debt Validation Request Account Opened : XX/XX/XXXX2024 Amount Claimed : {$16000.00} To Whom It May Concern : I am writing in response to a collection notice regarding an alleged debt in the amount of {$16000.00}, which you claim I owe and which you state was opened on or around XX/XX/XXXX2024. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg, I am formally requesting complete validation of this debt. Until you provide all of the following documentation, you are required to cease all collection activities, including reporting this account to any credit reporting agencies : A full breakdown and itemization of the debt, including the original balance, interest, fees, and any other charges. The name and address of the original creditor. Proof that I am legally obligated to pay this debt ( e.g., a signed contract or agreement ). Evidence that you, XXXX XXXX XXXX XXXX, are legally authorized to collect in the State of Washington. Documentation verifying that the debt is within the applicable statute of limitations. Copies of any judgments ( if applicable ). Proof that this debt has not been the result of identity theft or error. If you can not provide proper validation, I demand that this alleged debt be removed from all credit reporting agencies immediately and that you cease any further collection efforts. Please consider this letter as notice that I am disputing this debt in its entirety and requesting immediate investigation and removal. Furthermore, if you continue to attempt collection without verifying the debt as required, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Washington State Attorney Generals Office. I expect a response within XXXX days of your receipt of this letter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13312954 about?
Complaint #13312954 was filed against Rowland Avenue Management, INC. A/Ka Columbia Debt Recovery, LLC D/B/A Genesis regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-05-02T12:00:00-05:00.
How did Rowland Avenue Management, INC. A/Ka Columbia Debt Recovery, LLC D/B/A Genesis respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Rowland Avenue Management, INC. A/Ka Columbia Debt Recovery, LLC D/B/A Genesis?
Yes, visit the Rowland Avenue Management, INC. A/Ka Columbia Debt Recovery, LLC D/B/A Genesis company profile at readthecomplaint.com/company/rowland-avenue-management-inc-a-ka-columbia-debt-recovery-llc-d-b-a-genesis to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.