Debt collection -- Electronic communications -- Complaint #7961879
Complaint Overview
Complaint ID: 7961879
Company: Rowland Avenue Management, INC. A/Ka Columbia Debt Recovery, LLC D/B/A Genesis
Product: Debt collection
Sub-Product: Rental debt
Issue: Electronic communications
Sub-Issue: You told them to stop contacting you, but they keep trying
State: Texas
ZIP Code: 79107
Date Received: 2023-12-06T12:00:00-05:00
Date Sent to Company: 2023-12-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Collection agency, has not validated the debt and they still continue to report to the credit bureaus. Continue to attempt to communicate with myself using email even though Ive asked them not to. Consumer protection afforded by the FDCPA FDCPA Section 809 ( b ) FTC Opinion letter Case from XXXX The failure to further and fully investigate the matter is absurd! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations. Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : * FDCPA Section 809 ( b ) and FTC opinion letter Case from XXXX : Fine of {$1000.00}. This is done good faith and without recourse.
Frequently Asked Questions
What is Complaint #7961879 about?
Complaint #7961879 was filed against Rowland Avenue Management, INC. A/Ka Columbia Debt Recovery, LLC D/B/A Genesis regarding Debt collection specifically about Electronic communications. It was received by the CFPB on 2023-12-06T12:00:00-05:00.
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.