Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/27/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally dispute and demand the immediate removal of a fraudulent debt that has been reported on my credit under the name of ************************, for which your agency, Columbia Debt Recovery LLC d/b/a Genesis (Genesis), is claiming I am a co-signer.I never signed any lease agreement for the referenced account and have no affiliation with Arium ****** Beach. I have not lived at that property, nor have I ever authorized or consented to be added as a co-signer or resident on any lease there. Your company has provided electronic documents containing generic, unauthenticated signatures that do not match mine in any legal or verifiable way.Furthermore, I directly contacted Arium ****** Beach, and was informed they are no longer in business. The new management company confirmed they have no records of me living at or leasing any unit at that community.This false reporting has already caused significant harm to my ability to secure housing and is materially affecting my financial wellbeing. I am hereby demanding that Columbia Debt Recovery LLC d/b/a Genesis:Immediately delete this account from all consumer reporting agencies.Cease all collection efforts related to this fraudulent debt.Provide written confirmation of the deletion of this account.If this matter is not resolved within 15 calendar days of your receipt of this letter, I will pursue legal action for damages and losses caused by your companys negligent and inaccurate reporting of a fraudulent debt. I will be seeking compensation in the amount of $12,500 or

  Customer Answer

  Date: 06/28/2025

  
  1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU
  
       I, Reinaldo ******, expressly authorize Columbia Debt Recovery, LLC to communicate directly with BBB on all matters relating to the items as specific in the complaint form and including any debts I am alleged to owe.
  
       I have filed a complaint with BBB and authorize BBB to release the complaint form and all supporting documents to Columbia Debt Recovery, LLC.
  
       I acknowledge without this authorization, Columbia Debt Recovery, LLC would not be authorized to discuss these matters with BBB and any of its employees or representatives. I expressly waive that restriction for all purposes relating to the complaint I filed with BBB.
  
  
       Insert Your Name Here:                                            Date:  __/__/____
  
  
  2) Here is the information BBB requested regarding my complaint:
  
  

  • I requested the verification of the debt from Columbia Debt Recovery, LLC on __/__/___ by  Select one -> Email, Phone, Mail, or Other (Please specify)_________________
    
    *****
  • The reason why I believe the alleged debt is NOT valid is: 
    
    *****
  • The account number: 
    *****

  ******* Please do NOT click 'Proceed' until you have signed and dated your agreement for release of information in Section 1 and provided the requested information in section 2. *******

  Business Response

  Date: 07/10/2025

  Thank you for the opportunity to respond to your complaint.
  Columbia Debt Recovery, LLC, dba Genesis, is a third-party collection agency acting on behalf of our client, ************************. We understand that you believe this debt may be the result of identity theft. In response, we have enclosed a fraud checklist detailing the documentation required to further investigate such claims.
  If you are in possession of any of the listed items, or have additional information supporting your assertion that the debt is inaccurate or not owed, please submit it to our ********************* at ***********************************************************************.
  Additionally, we have included verification documentation for your review and have confirmed the validity of the account.
  As a data furnisher, Genesis is authorized to report consumer information to the credit reporting agencies in connection with collection activity. Nevertheless, we have submitted a request for your credit file to be updated to reflect your dispute.

• Initial Complaint

  Date:06/26/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The collection agency Columbia Debt Recovery LLC dba Genesis has been contacting me to collect a debt that I do not owe. This debt was already paid directly to ********, the apartment company involved. It appears there is a miscommunication between ******** and the collection agency. Despite this being ********* mistake, they continue to direct me to Genesis instead of resolving the issue themselves. As shown in the attached documents: LEDGER.PDF and APPLICATION.PDF were provided by the collection agency. The remaining 11 files are my supporting documents proving that the debt has been fully paid and proof of a direct and clear violation of federal law they committed. It is crucial to note that the last transaction listed on LEDGER.PDF is dated 12/19/2024 and does not reflect the $200 provisional credit reversal that occurred on 1/27/2025 (see proof bank statement 1.png and BECU Statement Nov). This reversal was the result of ******** disputing my original bank dispute. My bank investigated and concluded the case by returning the funds to ********. In short, Columbia Debt Recovery LLC dba Genesis should be pursuing Greystar, not me. I fulfilled my obligation, and in fact, I ended up paying $1.02 more due to an overdraft caused by the reversal (see proof bank statement 2.png and proof bank statement 3.png and BECU Statement Feb). Per the Fair Debt Collection Practices Act (FDCPA), I submitted a written dispute via email on May 19, 2025, in accordance with the collection agency's own instructions. Under the *****, they are legally required to cease all collection efforts until they provide proper validation of the alleged debt. Despite this, they continued to pursue payment without offering validation. This is a direct and clear violation of federal law.

  Customer Answer

  Date: 06/26/2025

  
  1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU
  
       I, Lal Zuali, expressly authorize Columbia Debt Recovery, LLC to communicate directly with BBB on all matters relating to the items as specific in the complaint form and including any debts I am alleged to owe.
  
       I have filed a complaint with BBB and authorize BBB to release the complaint form and all supporting documents to Columbia Debt Recovery, LLC.
  
       I acknowledge without this authorization, Columbia Debt Recovery, LLC would not be authorized to discuss these matters with BBB and any of its employees or representatives. I expressly waive that restriction for all purposes relating to the complaint I filed with BBB.
  
  
       Insert Your Name Here:                                            Date:  __/__/____
  
  
  2) Here is the information BBB requested regarding my complaint:
  
  

  • I requested the verification of the debt from Columbia Debt Recovery, LLC on __/__/___ by  Select one -> Email, Phone, Mail, or Other (Please specify)_________________
    
    *****
  • The reason why I believe the alleged debt is NOT valid is: 
    
    *****
  • The account number: 
    *****

  ******* Please do NOT click 'Proceed' until you have signed and dated your agreement for release of information in Section 1 and provided the requested information in section 2. *******

  Business Response

  Date: 07/10/2025

  Thank you for allowing our agency to respond to the received complaint.  
  
  Lal Zualis account was transferred to our office on May 8th,2025, regarding application charges from attempting to rent a unit with *****************, managed by ********.
  
  Following the receipt of Lal Zualis complaint to the ************************************ (Complaint ID#****************, where they expressed their concerns regarding the balance, we made the executive decision to close their account from our office and return the account to our client. We also verified that the account information had not yet been furnished to Lal Zualis credit and informed them in our response to their CFPB complaint that they will not see a tradeline for this account appear on their credit.
  
  If Lal Zuali should have any questions regarding this matter moving forward, please reach out to an account representative at ************. 

• Initial Complaint

  Date:06/25/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We lease an apartment last Sept.2023, after 1 year we gave a notice that we will not extend the lease for another year cause I believe that this place is not suppose to be called luxury apt. because of some defects,leaks, mold, insect, appliances are old etc.. After a few days that we vacated the place we received a notice that we had to pay for all the appliances that they say we destroy, which is above $5,920.95 of which we couldn't believe, we are not stupid to do that, specially that my son and his family is only a year as an immigrant here in the **, that's why it's on my name of which I pay the rental for they are not qualified, we keep receiving this collection letter of which an interest is already compounded, I believe that this is a scam , there's so many things that I have to say but for now lets just start with this short notes.

  Customer Answer

  Date: 06/27/2025

  
  1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU
  
       I, Rogelio Gruta, expressly authorize Columbia Debt Recovery, LLC to communicate directly with BBB on all matters relating to the items as specific in the complaint form and including any debts I am alleged to owe.
  
       I have filed a complaint with BBB and authorize BBB to release the complaint form and all supporting documents to Columbia Debt Recovery, LLC.
  
       I acknowledge without this authorization, Columbia Debt Recovery, LLC would not be authorized to discuss these matters with BBB and any of its employees or representatives. I expressly waive that restriction for all purposes relating to the complaint I filed with BBB.
  
  
       Insert Your Name Here: ******* *****                                           Date:  06/26/2025
  
  
  2) Here is the information BBB requested regarding my complaint:
  
  

  • I requested the verification of the debt from Columbia Debt Recovery, LLC on 06/25/2025 by  Select one -> Email, Phone, Mail, or Other (Please specify)__EMAIL___
    
    
  • The reason why I believe the alleged debt is NOT valid is:  My lease agreement, signed on September 6, 2023 does not specify any financial responsibility on my part for such extensive renovations or appliance upgrades. 
    
    
  • The account number: **********
    

  ******* Please do NOT click 'Proceed' until you have signed and dated your agreement for release of information in Section 1 and provided the requested information in section 2. *******

  Business Response

  Date: 07/10/2025

  We are currently in the process of investigating your account. We are awaiting additional information from our client, and once our investigation is concluded, we will directly contact the Better Business Bureau (BBB) to ensure that a response is provided to you. Should you have any inquiries regarding your account during the investigation of your claims, please do not hesitate to reach out to our ********************* at ******************************************

• Initial Complaint

  Date:06/20/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My name is ******* ******. Last four of social: 9237. DOB: **********. Account number PRSOGSXXXXXXXXXXXXXX. Your company is attempting to collect a debt. I dispute that debt and refuse to pay it. This account does not belong to me. Additionally, I filed a dispute with the consumer reporting agencies.

  Customer Answer

  Date: 06/23/2025

  
  1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU
  
       I, Kenneth ******, expressly authorize Columbia Debt Recovery, LLC to communicate directly with BBB on all matters relating to the items as specific in the complaint form and including any debts I am alleged to owe.
  
       I have filed a complaint with BBB and authorize BBB to release the complaint form and all supporting documents to Columbia Debt Recovery, LLC.
  
       I acknowledge without this authorization, Columbia Debt Recovery, LLC would not be authorized to discuss these matters with BBB and any of its employees or representatives. I expressly waive that restriction for all purposes relating to the complaint I filed with BBB.
  
  
       Insert Your Name Here:       
  ******* ******                                    Date:  6/23/2025 

  
  
  
  however, I am not required by law to request a DVN (debt verification notice) I have disputed this account with the consumer reporting agencies pursuant to the fair credit reporting act.

   

  pursuant to the ****** I have a right to dispute this alleged debt in writing with the data furnisher, including through the BBB. 

  Business Response

  Date: 07/08/2025

  Thank you for allowing us to address your complaint. We are Columbia Debt Recovery LLC,dba Genesis, a third-party collecting for our client, Noho 14 (Greystar). We understand that you are claiming this debt does not belong to you. Because of this, we have attached a fraud checklist outlining the documentation we need to further investigate such claims. If you have the listed items or additional information supporting your claims and proving the debt to be inaccurate or not owed, please send it to our ********************* at ****************************************** We have also attached the required verification of the debt for your review. Furthermore, as data furnishers, we are authorized to provide consumer information to Credit ****************** as we intend to use the information in connection with your account in collections. However, we have requested that your information be updated to reflect your dispute and have flagged your account in our office to cease outbound communications unless required by law or permitted otherwise by you. Should you have additional questions or concerns, please contact an account representative at ************. 

• Initial Complaint

  Date:06/20/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I never signed a lease or any contractual agreement with ****************** associated with this debt. Any funds recouped were legally due to me within a standard time frame. No documentation has been provided to verify that I entered into any legally binding lease agreement for the claimed amount. Columbia Debt Recovery, LLC is a fraudulent company that continues to charge interest on this fraudulent debt, knowing that my family and I never resided at the property. Furthermore, this fraudulent company added this debt to my credit report. And my family members' credit reports are under fictitious names. I do not acknowledge this debt as valid or legally enforceable without a signed lease agreement. Secondly, I'm not liable for this debt with Columbia Debt Recovery DBA Genesis. I do not have a contract with Colombia Debt Recovery DBA Genesis nor an agreement. It should be advised that I will consider all remedies available to resolve this matter, whether civil or criminal, against ******************* and Columbia Debt Recovery

  Customer Answer

  Date: 06/25/2025

  
  1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU
  
       I, Willetta *******, expressly authorize Columbia Debt Recovery, LLC to communicate directly with BBB on all matters relating to the items as specific in the complaint form and including any debts I am alleged to owe.
  
       I have filed a complaint with BBB and authorize BBB to release the complaint form and all supporting documents to Columbia Debt Recovery, LLC.
  
       I acknowledge without this authorization, Columbia Debt Recovery, LLC would not be authorized to discuss these matters with BBB and any of its employees or representatives. I expressly waive that restriction for all purposes relating to the complaint I filed with BBB.
  
  
       Insert Your Name Here:    ******** Wiggins                                         Date:  06__/_25_/___2025_
  
  
  2) Here is the information BBB requested regarding my complaint:
  
  

  • I requested the verification of the debt from Columbia Debt Recovery, LLC on _03/01/2025__ by  Select one -> Email, Phone, Mail, or Other (Please specify)______phone ___________
    I told this fraudulent company  I and my family never resigned a legally binding lease agreement with Oak Hills Property. Funds due to me were recouped per their policy with the standard time **************************
  • The reason why I believe the alleged debt is NOT valid is:  I  and my family never signed a legally binding lease agreement with ******************. Funds due to me were recouped per their policy with the standard time frame. As we never resided at their property , in addition there is no established relationship with the fraudulent , in addition there is no established relationship with the fraudulent company Columbia Debt Recovery, LLC. As stated previously, the fraudulent company has placed trade lines on my credit reports ( Columbia Debt Recovery, LLC) and fictious names on my son and husband credit reports. Again the trade lines better be removed otherwise I will consider pursuing all option available to me whether it's criminal or civil against ********* Property and Columbia Debt Recovery, LLC. 
    
    *****
  • The account number: NA (never established any type of account and/or agreement with this company) 
    *****

  ******* Please do NOT click 'Proceed' until you have signed and dated your agreement for release of information in Section 1 and provided the requested information in section 2. *******

  Business Response

  Date: 07/10/2025

  Thank you for the opportunity to respond to your complaint.
  We are Columbia Debt Recovery LLC, doing business as Genesis, a third-party collection agency representing our client, ********. Your account was placed with our office on January *******, in relation to application and administrative fees associated with your application for unit #*** at ********, submitted on August 26, 2024.
  To address your concerns, please note that both the application fee and the administrative fee are standard and required components of the residential leasing process. The application fee is intended to cover the cost of processing your application, including but not limited to background checks, credit evaluations, and rental history verification. The administrative fee supports the internal processing necessary to prepare lease documentation and facilitate a potential move-in.These fees are customary within the rental housing industry and are essential to ensuring a thorough and efficient application process. However, in this instance, the submitted payment appears to have been returned by your financial institution.
  We have enclosed the required verification documentation for your review and have confirmed the validity of the account. If you possess any documentation indicating that the balance is not owed, we encourage you to submit it for consideration via email to ***********************************************************************.
  Furthermore, as data furnishers,we are authorized to provide consumer information to credit reporting agencies,which we will use in relation to your account collections. However, we have requested that your information be updated to reflect your dispute.
  Should you have any questions or require further assistance regarding your account, or if you would like to discuss available resolution options, please contact one of our representatives at ************.
  

  Customer Answer

  Date: 07/10/2025

   
  Complaint: 23498331
  
  I am rejecting this response because: the total amount was $475.00 which ******************* was in the right to keep a portion. And again I legally had a right to recoup my $ 275 as we did not sign a lease. 
  
  Sincerely,
  
  ******** *******

• Initial Complaint

  Date:06/02/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a victim of identity theft coz when I received my credit report last few weeks ago, I found out that there were unknown addresses there that I never lived in, accounts that I never opened, inquiries I never made, and even variations of my name such as ******* *******, ******* L *******. So I have contacted the creditors to make them know of the breach. I also found this account that I believe not mine:Acct name: ******************** CRDT (Original Creditor: 09 VILLAS BY THE LAKE)acct no. ********************date opened 11/19/2021 balance $6,949.00 I am not liable for this debt and I do not have a contract with:Company: GENESIS CREDIT MANAGEMEN Address: ***************************** Tel No: ************** Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the bureaus and the authorization for release of information. I also filed complaints thru CFPB. Please delete this account from my ********************** report at once. Any questions or concerns I can be reached at ********************************************** and email at ************************* I need a response from the company.

  Customer Answer

  Date: 06/09/2025

  
  
  1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU
  
  
  
       I, Tanesha Woodard, expressly authorize Columbia Debt Recovery, LLC to communicate directly with BBB on all matters relating to the items as specific in the complaint form and including any debts I am alleged to owe.
  
  
  
       I have filed a complaint with BBB and authorize BBB to release the complaint form and all supporting documents to Columbia Debt Recovery, LLC.
  
  
  
       I acknowledge without this authorization, Columbia Debt Recovery, LLC would not be authorized to discuss these matters with BBB and any of its employees or representatives. I expressly waive that restriction for all purposes relating to the complaint I filed with BBB.
  
  
  
  
  
       Insert Your Name Here:      Tanesha Woodard                                      Date:  06/09/2025
  
  
  
  
  
  2) Here is the information BBB requested regarding my complaint:
  
  
  
  

  
  
  • I requested the verification of the debt from Columbia Debt Recovery, LLC on 05/29/2025 by  Select one -> Email, Phone, Mail, or Other (Please specify)___Mail______________
    
    
    
    
  
  
  • The reason why I believe the alleged debt is NOT valid is: 
    
    
    
    
  
  
  • The account number: GENESIS CRDT  (Original Creditor: 09 VILLAS BY THE LAKE) DLOGDL3475001003****
    
    
  
  

  
  

  
  ******* Please do NOT click 'Proceed' until you have signed and dated your agreement for release of information in Section 1 and provided the requested information in section 2. *******

  Business Response

  Date: 06/24/2025

  Thank you for the opportunity to respond to your complaint. Your account has been closed due to fraud, and we have requested its deletion from your tradeline. Please note that this process may take 45 to ******************************************************** concerns regarding the account, please feel free to reach out to ******************************************

• Initial Complaint

  Date:06/01/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Name: ****** Legra ***** *************************** DOB:********** Last 4 of SSN: 9596 Bureau Name: COLUMBIA DEBT RECOVERY Bureau Address: ******************************************************* Recently, I did an investigation on my credit report and found several items on there to be inaccurate.Under 15 U.S. Code 1681e (b) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.15 U.S. Code ***** (5)Treatment of Inaccurate or unveritiable information(A)ln general if, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency ******)promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation: and il)promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.Please remove the following items from my credit report, immediately:Accounts: ******************** Account # : ******************** This account is being reported inaccurately, please remove this from my credit report immediately.

  Customer Answer

  Date: 06/01/2025

  
  1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU
  
       I, ****** Leonardo ***** *****, expressly authorize Columbia Debt Recovery, LLC to communicate directly with BBB on all matters relating to the items as specific in the complaint form and including any debts I am alleged to owe.
  
       I have filed a complaint with BBB and authorize BBB to release the complaint form and all supporting documents to Columbia Debt Recovery, LLC.
  
       I acknowledge without this authorization, Columbia Debt Recovery, LLC would not be authorized to discuss these matters with BBB and any of its employees or representatives. I expressly waive that restriction for all purposes relating to the complaint I filed with BBB.
  
  
       Insert Your Name Here:                                            Date:  _Wilder_/Legra_/***** ____
  
  
  2) Here is the information BBB requested regarding my complaint:
  
  

  • I requested the verification of the debt from Columbia Debt Recovery, LLC on __06/_01_/__2025_ by  Select one -> Email, Phone, Mail, or Other (Please specify)***************************************______________
    
    *****
  • The reason why I believe the alleged debt is NOT valid is: 
    
    *****
  • The account number: 
    *****

  ******* Please do NOT click 'Proceed' until you have signed and dated your agreement for release of information in Section 1 and provided the requested information in section 2. *******

  Business Response

  Date: 06/22/2025

  Thank you for allowing us to address your complaint. We are Columbia Debt Recovery LLC dba Genesis, a third-party agency collecting for our client, The Oaks at ********* (********). Our client transferred your account to our office on January 15th,2025, regarding move-out charges from vacating unit #**-0**23 on July 6th,2024; we did not purchase the debt and are not required to hold a direct contract with you as we are collecting on behalf of our client. Please see the required verification of the debt for your review. If you have documentation or information that proves the debt to be inaccurate or not owed, please send it to our ********************* for further investigation at ****************************************** Furthermore, as data furnishers, we are authorized to provide consumer information to Credit ****************** as we intend to use the information in connection with your account in collections. However, we have requested that your information be updated to reflect your dispute. If you have any questions or wish to discuss your account or available options, please contact an account representative at ************. 

  Customer Answer

  Date: 06/22/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** ******** ***** *****

• Initial Complaint

  Date:05/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This complaint is in regards to Genesis, a debt collection agency. This company called me around 4pm in the middle of my work shift attempting to gather information about this alleged debt. First and foremost, three prior calls were made earlier around 11am and 1pm, which is grounds for harassment which is ILLEGAL to do. Secondly, once I spoke with their representative *******, he was on the line with a very annoyed and irritated tone of voice. He did NOT disclose to me that he would be probing my income and expenses, failed to be reasonable by declining any type of payment option after explaining to him I cannot do a balance transfer or borrow money, and was disrespectful in language. ******* also stated that regardless if I paid off the balance by 6/9, it would not make any type of difference and that it would be reported to all credit bureau agencies by that moment. Law states that if a consumer reaches out regarding debt that they have to wait 60 days for mediation before it can even be reported. WHAT KIND OF CUSTOMER SERVICE REPRESENTATIVE GIVES OUT FALSE INFORMATION?? Lastly, I was connected to a supervisor who did nothing to resolve this issue but reiterate information that was common knowledge. I wish this matter to be resolved by establishing a payment plan and restricting this sham of a debt from being reported.

  Customer Answer

  Date: 06/04/2025

  
  
  1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU
  
  
  
       I, Mathieu Koontz, expressly authorize Columbia Debt Recovery, LLC to communicate directly with BBB on all matters relating to the items as specific in the complaint form and including any debts I am alleged to owe.
  
  
  
       I have filed a complaint with BBB and authorize BBB to release the complaint form and all supporting documents to Columbia Debt Recovery, LLC.
  
  
  
       I acknowledge without this authorization, Columbia Debt Recovery, LLC would not be authorized to discuss these matters with BBB and any of its employees or representatives. I expressly waive that restriction for all purposes relating to the complaint I filed with BBB.
  
  
  
  
  
       Insert Your Name Here:                                            Date:  __/__/____
  
  
  
  
  
  2) Here is the information BBB requested regarding my complaint:
  
  
  
  

  
  
  • I requested the verification of the debt from Columbia Debt Recovery, LLC on __/__/___ by  Select one -> Email, Phone, Mail, or Other (Please specify)_________________
    
    
    
    
  
  
  • The reason why I believe the alleged debt is NOT valid is: 
    
    
    
    
  
  
  • The account number: 
    
    
  
  

  
  

  
  ******* Please do NOT click 'Proceed' until you have signed and dated your agreement for release of information in Section 1 and provided the requested information in section 2. *******

  Customer Answer

  Date: 06/13/2025

  AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU (ID *********
  
  I, ******* Koontz expressly authorize Columbia Debt Recovery, LLC to communicate directly with BBB on all matters relating to the items as specified in the complaint form and including any debts I am alleged to owe.
  
  I have filed a complaint with BBB and authorize BBB to release the complaint form and all supporting documents to Columbia Debt Recovery, LLC.
  
  I acknowledge without this authorization, <Columbia Debt Recovery, LLC would not be authorized to discuss these matters with BBB and any of its employees or representatives. I expressly waive that restriction for all purposes relating to the complaint I filed with BBB.
  
  
  Yes, I understand & Consent - Insert Your Name here:_Mathieu Koontz_______________________ Date:_June 12, 2025__________________
  

  
  

  --
  

  ******* ******

  ********************** Alumni '15, Public Relations

  Whatever decision you make, always be sure

  Business Response

  Date: 06/22/2025

  Thank you for allowing us to address your complaint. The calls in question are being reviewed internally, and should retraining need to take place following the result of our findings, it will happen immediately. We have flagged your account in our office to cease outbound phone calls moving forward to ensure you are no longer called regarding your account in our office. While we understand your concern,we inquire about such things as your income and employment to see if you may qualify for any settlement opportunities for the balance. These questions are not asked to invade privacy, but instead to evaluate your current financial situation in an attempt to aid in resolving your balance more efficiently.Additionally, we understand that there was a miscommunication that occurred regarding the timeline of credit reporting; retraining is being conducted with the representative in question. However, please know that the establishment of a payment arrangement does not prevent an account from being reported to the Credit ****************** (CRAs). As data furnishers, we are obligated to provide consumer information to ****, as this information will be utilized in relation to your account in the collections process. If the balance is resolved prior to your account information being supplied to the ***** credit reporting will not occur. Otherwise, deletion of the tradeline will be requested upon the resolution of your account. If you have additional questions or concerns,please contact an account representative at ************ or email our ********************* at ***********************************************************************. 

  Customer Answer

  Date: 06/22/2025

   
  Complaint: 23389801
  
  I am rejecting this response because no resolution has been offered. 
  
  Sincerely,
  
  ******* ******

• Initial Complaint

  Date:05/27/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Columbia Debt Recovery. I do not have any contract with Columbia Debt Recovery. When asked for the debt validation, or contract, I was not provided with that information.

  Customer Answer

  Date: 05/27/2025

  
  1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU
  
       I, John Azisllari, expressly authorize Columbia Debt Recovery, LLC to communicate directly with BBB on all matters relating to the items as specific in the complaint form and including any debts I am alleged to owe.
  
       I have filed a complaint with BBB and authorize BBB to release the complaint form and all supporting documents to Columbia Debt Recovery, LLC.
  
       I acknowledge without this authorization, Columbia Debt Recovery, LLC would not be authorized to discuss these matters with BBB and any of its employees or representatives. I expressly waive that restriction for all purposes relating to the complaint I filed with BBB.
  
  
       Insert Your Name Here:  **** Azisllari                                          Date:  05/_27_/_2025___
  
  
  2) Here is the information BBB requested regarding my complaint:
  
  

  • I requested the verification of the debt from Columbia Debt Recovery, LLC on __/__/___ by  Select one -> Email, Phone, Mail, or Other (Please specify)__Email_______________ 
    
    *****
  • The reason why I believe the alleged debt is NOT valid is: This debt is not valid because I was sent a summary of move out charges, rather than a debt validation letter. There was no original contract provided, nor was there an agreement between me and the collection agency, with a signature, or an agreement that the debt is mine. I do not recall the exact date of verification request, though I did attach their corresponding communications in images. 
    
    *****
  • The account number: **********
    *****

  ******* Please do NOT click 'Proceed' until you have signed and dated your agreement for release of information in Section 1 and provided the requested information in section 2. *******

  Business Response

  Date: 06/13/2025

  Thank you for allowing us to address your complaint. We are Columbia Debt Recovery LLC dba Genesis, a third-party agency collecting for our client, ***** & Rio (Greystar). We did not purchase the debt and are not required to hold a direct contract with you as we are collecting on behalf of our client, with whom you signed a legally binding contract. We initially notified you of your account in collections and your right to dispute it upon placement in our office. Since then, we have received disputes that have been responded to in compliance with the ***** and ****. Please see the required verification of the debt for your review. If you have documentation or information that proves the debt to be inaccurate or not owed, please send it to our ********************* for further investigation at ****************************************** Furthermore, as data furnishers, we are authorized to provide consumer information to Credit ****************** as we intend to use the information in connection with your account in collections. However, we have requested that your information be updated to reflect your dispute. If you have any questions or wish to discuss your account or available options, please contact an account representative at ************. 

• Initial Complaint

  Date:05/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally dispute a collection account recently reported to all three major credit bureaus under the name COLUMBIA DEBT RECOVERY with reference number PRSOGSXXXXXXXXXXXXXX. This account, now listed on my credit report, claims I owe a balance of $21,865 allegedly past due as of May 2025. I firmly contest the validity of this claim for the following reasons:1. No Contract or Agreement Exists I have never signed any contract or entered any agreement with COLUMBIA DEBT RECOVERY. Under the Fair Debt Collection Practices Act (FDCPA), I have the right to request full validation of this alleged debt, including any original contract bearing my signature. Unless and until you provide such documentation, this account must be considered invalid and reported as such to the bureaus.2. Violation of Consumer Rights My personal and financial information was sold without my consent, a direct violation of federal consumer protection laws, including those governed by the Fair Credit Reporting Act (FCRA). The listing of this account with insufficient verification and zero transparency constitutes an abuse of my privacy and civil liberties.3. Damage to ************ Reputation This unjust and unverifiable account has severely harmed my creditworthiness and personal reputation. I demand immediate action to:- Remove this collection from all three credit bureaus (Experian, Equifax, **********)- Provide a detailed audit trail of how Columbia Debt Recovery obtained my information - Disclose any and all contracts, agreements, or authorizations that prove my connection to this debt - Consider monetary compensation for this breach and reputational harm Failure to comply with this request will result in further action, including legal consultation and the filing of formal complaints with the ************************ (***), ************************, and other regulatory agencies.I am requesting a written response within 15 business days of receiving this notice.

  Customer Answer

  Date: 05/14/2025

  
  1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU
  
       I, Kyle ******, expressly authorize Columbia Debt Recovery, LLC to communicate directly with BBB on all matters relating to the items as specific in the complaint form and including any debts I am alleged to owe.
  
       I have filed a complaint with BBB and authorize BBB to release the complaint form and all supporting documents to Columbia Debt Recovery, LLC.
  
       I acknowledge without this authorization, Columbia Debt Recovery, LLC would not be authorized to discuss these matters with BBB and any of its employees or representatives. I expressly waive that restriction for all purposes relating to the complaint I filed with BBB.
  
  
       Insert Your Name Here:   **** ******                                        Date: 05/14/2025
  
  
  2) Here is the information BBB requested regarding my complaint:
  
  

  • I requested the verification of the debt from Columbia Debt Recovery, LLC on 05/14/25 by  Select one -> Email, Phone, Mail, or Other (Please specify)BBB,CFPB,Mail,Email
    
    *****
  • The reason why I believe the alleged debt is NOT valid is: 
    
    *****
  • The account number: PRSOGSXXXXXXXXXXXXXX
    *****

  ******* Please do NOT click 'Proceed' until you have signed and dated your agreement for release of information in Section 1 and provided the requested information in section 2. *******

  Business Response

  Date: 05/29/2025

  Thank you for allowing us to address your complaint. We are Columbia Debt Recovery LLC dba Genesis, a third-party agency collecting for our client, Calista ************** client transferred your account to our office on March 13th,2025, regarding move-out charges from vacating unit #*****-P on November 4th,2024; we did not purchase the debt and are not required to hold a direct contract with you as we are collecting on behalf of our client. We initially notified you of your account in collections and your right to dispute it upon placement in our office. Since then, we have received indirect disputes that have been responded to in compliance with the ***** and ****. Please see the required verification of the debt for your review, including the lease contract demonstrating your liability for the debt, which was signed and acknowledged by you. If you have documentation or information that proves the debt to be inaccurate or not owed, please send it to our ********************* for further investigation at ****************************************** Furthermore, as data furnishers, we are authorized to provide consumer information to Credit ****************** as we intend to use the information in connection with your account in collections. However, we have requested that your information be updated to reflect your dispute and have flagged your account in our office to cease outbound communications unless required by law or permitted otherwise. If you have any questions or wish to discuss your account or available options, please contact an account representative at ************. 

  Customer Answer

  Date: 05/29/2025

   
  Complaint: 23330776
  
  I am rejecting this response because:

  Dear Columbia Debt Recovery LLC,
  I am writing in response to your letter dated May 29, 2025, regarding an alleged debt of $21,952.58 associated with Calista ********** for unit #*****-P, account #**********. I dispute the validity of this debt and demand that you immediately cease collection efforts and remove any related entries from my credit report.
  The Resident Ledger provided by ********, dated November 27, 2024, shows that multiple charges totaling $21,633.12 were written off by ******** between November 25, 2024, and November 25, 2024, reducing the balance to $10,333.22. This indicates that the debt was settled or forgiven by the original creditor, and no further action should be pursued. Your claim of an original balance of $21,633.12, plus interest, fails to account for these write-offs and is therefore inaccurate.
  Furthermore, the Lease Contract, signed on April 11, 2024, is between myself (**** ******, along with ****** ******** and ***** ******) and ********************** (managed by ********), not Columbia Debt Recovery LLC or Genesis. You have provided no documentation evidencing a valid assignment or contract authorizing you to collect this debt with any of our original signatures on behalf of ********. Without such evidence, your collection efforts violate the Fair Debt Collection Practices Act (FDCPA).
  Under the Fair Credit Reporting Act (FCRA), you are required to report accurate information to credit bureaus. Continuing to report this debt, which appears settled and lacks proper validation, is a violation of my rights. I demand that you:
  1.  Cease all collection activities related to this account.
  2.  Immediately notify all Credit ****************** to remove any entries associated with account #********** from my credit report.
  3.  Provide written confirmation within 15 days, as required by the ****** that these actions have been taken. Send this confirmation to ************************* Attached are copies of the Resident Ledger (showing write-offs) and the Lease Contract for your review. If you believe this debt remains valid, you must provide detailed documentation, including proof of assignment from ******** and evidence that the write-offs do not constitute a settlement. Send such documentation to me at [insert your contact information]. Failure to comply may result in a formal complaint with the ************************************ (****) and other relevant authorities.
  Thank you for your prompt attention to this matter. I expect a response within 15 days.
  Sincerely,
  **** ***** ******
  
  Sincerely,
  
  **** ******

  Business Response

  Date: 06/17/2025

  Thank you for allowing us to respond to your complaint. To address your concerns, no two entities can collect a debt simultaneously. Because of this, our client wrote off the charges so that your account could be placed in our office for collections. There is an important distinction between a write-off and a charge-off. If your debt had been charged off, it wouldve been forgiven. In your case, the balance was not charged off; it was written off in order to be placed in collections. The balance prior to the write-offs is the total amount you owe, $21633.12. Additionally, we are not required to hold a direct contract with you as we are contracted by our client to collect any outstanding balances on their behalf. A mentioned in prior communications, if you have documentation that proves the debt to be inaccurate or not owed, please send it to our ********************* for further investigation at ****************************************** Furthermore, per your request, we have flagged your account in our office to cease outbound communications unless required by law or permitted otherwise. Should you have further questions or concerns, please contact an account representative at ************. 

  Customer Answer

  Date: 06/17/2025

   
  Complaint: 23330776
  
  I am rejecting this response because: I still wasnt provided anything showing my connection with this debt between **** ****** & Columbia Debt Recovery, LLC my information was sold without my consent and is against the law to furnish anything incorrect on my credit report with the proper documentation showing I owe any debt to you I need to see where **** ****** and Columbia Debt Recovery, LLC have a agreement for the debt of ****** dollars please provide DOCUMENTS NEEDED(ALL TOGETHER NOT PARTIAL): BILL OF SALE, TRANSFER OF ASSIGNMENT, FLOW AGREEMENT, ORIGINAL DOCUMENT, OWNERSHIP OF DEBT This Debt Collector continues to violate my fcra rights by reporting inaccurate information and reporting late payments on a closed account which is violating and 
  
   1. Collections Are Already Defaulted Debt Once an account is placed in collections, it means its already been charged off or severely delinquent. So reporting additional monthly late payments after the charge-off or collection status is:
  Inaccurate (since there is no active agreement),
  Misleading (because its no longer an open trade line),
  And potentially a violation of FCRA 607(b) the requirement to maintain maximum possible accuracy.Industry reporting standards (used by ********, Equifax, **********) do not support showing ongoing late payments on collection accounts. The account should show a: Collection status,
  Balance (if applicable),
  Original delinquency date,
  but not monthly late payments after it has been closed or charged off.This account is a closed collection. Reporting ongoing late payments after the charge-off date is inaccurate, misleading, and violates FCRA 607(b). Please remove the inaccurate late payment history and report the account accurately per Metro 2 standards.
  
  Sincerely,
  
  **** ******