Updated on January 29th, 2025 Author: stopcollections | Editor: stopcollections

Consumer Complaints Against Columbia Debt Recovery, LLC

Disclaimer: The following content is a summary of complaints submitted to the Consumer Financial Protection Bureau (CFPB) by consumers. The information provided is intended to inform and educate consumers about potential issues and experiences reported with the mentioned entity. 

Consumers have submitted numerous complaints to the Consumer Financial Protection Bureau (CFPB) regarding debt collection practices employed by Rowland Avenue Management, Inc., also known as Columbia Debt Recovery, LLC, or Genesis. Below is a summary of the most frequent issues alongside potential recourse under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA).

Key Complaints Reported by Consumers 

Failure to Provide Debt Validation

Consumers have frequently reported that Columbia Debt Recovery, LLC, also known as Genesis, failed to provide proper debt validation when requested. This leaves individuals uncertain about the legitimacy of the debts and unable to dispute potentially unjust claims.

What you can do under FDCPA and FCRA:

• Request written proof of the debt from the collector.
• Dispute the debt in writing within 30 days if validation is not provided.

Free Legal Assistance:

If you’ve experienced this, connect with one of our legal experts specializing in consumer protection laws for a free consultation.

Incorrect Billing Practices

Many consumers state that they were charged for inflated or inaccurate debts, often for fees or damages they don’t recall incurring. This practice can pressure individuals into paying unfair amounts.

What you can do under FDCPA and FCRA:

• Dispute unauthorized or inaccurate debts with the collector and credit bureaus.
• Demand a detailed account breakdown from the debt collector.

Free Legal Assistance:

Find out how you can challenge unfair billing practices. Contact us to speak with a legal expert for free.

Unauthorized Collection Attempts

Reports indicate that Genesis engages in collection attempts for debts that many consumers claim not to owe, using persistent and aggressive communication tactics.

What you can do under FDCPA and FCRA:

• Request debt verification if you believe you don’t owe the debt.
• File a complaint with the CFPB about unauthorized collection attempts.

Free Legal Assistance:

Speak to a consumer rights attorney to stop unauthorized collection attempts. Reach out for a free consultation.

Lack of Proper Licensing for Collection

Consumers have raised concerns about Genesis’s lack of proper licensing to collect in certain states. This casts doubt on their authority to legally pursue debts.

What you can do under FDCPA and FCRA:

• Verify the collector’s licensing in your state.
• Report unlicensed collection activities to your state attorney general’s office or the CFPB.

Free Legal Assistance:

Don’t be a victim of unlicensed debt collection practices. Connect with an attorney for a no-cost review of your case.

Harassment and Unprofessional Conduct

Consumers report aggressive, harassing, or abusive interactions with Genesis representatives, including disrespectful communication and unclear explanations of claims.

What you can do under FDCPA and FCRA:

• Document all instances of unprofessional or harassing behavior.
• File a written complaint with the CFPB and your local consumer protection agency.

Free Legal Assistance for Victims of Debt Collector Violations

If you’re facing similar issues with Columbia Debt Recovery, it’s crucial to know your rights and act quickly. You don’t have to deal with these violations alone.

How To Get Free Legal Assistance 

• Step 1: Reach out to our legal experts for a free consultation. 
• Step 2: Share your experience, and we’ll help assess whether your rights under the FDCPA or FCRA have been violated. 
• Step 3: If applicable, we’ll guide you through the process of filing a claim and stopping illegal collection practices.

Our legal experts specialize in protecting consumers like you from unfair debt collection practices. Take control of your situation today and assert your legal rights.

Contact us now for your FREE consultation and stop unfair debt collection practices in their tracks!

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