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:09/11/2025

  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.

  Showed up on my Credit Report 6/27/2025 - Columbia Debt ******** dba Genesis I have no idea what this is about. Have never received a phone call. Have never received any mail. No Certified mail. **** to their Website - **********************************, numerous times. Emailed them numerous times on their "Contact Us" area. Called these 2 numbers many times with no response. *****************-836-5558 Have no idea what the account or tracking number might be.

  Customer Answer

  Date: 09/11/2025

  
  1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU
  
       I, Terry *******, 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:    ***** Beacham                                        Date:  _9_/_11_/_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: 
    
    *****
  • 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: 09/18/2025

  Columbia Debt Recovery, LLC,doing business as Genesis, is a third-party collection agency contracted by our client, ******** & *******************, to collect on your account. Your account was placed with our office on June 27, 2025, for move-out charges related to Unit #***, which was vacated on February 28, 2024. At the time of placement, we provided notice of the account and informed you of your right to dispute the debt.
  For your reference, we have emailed the required verification, which was previously provided to you in response to your written dispute. If you have documentation or information demonstrating that the balance is inaccurate or not owed, please forward it to our ********************* at ***************************************** so that we may conduct an additional review.
  We have attempted to reach you at the phone number listed in your complaint but were unsuccessful. While we have received inbound calls from you, you declined to complete the verification process required under applicable law to proceed with the discussion.
  If you have any questions or wish to discuss your account or available resolution options, please contact one of our account representatives at ************.

• Initial Complaint

  Date:08/26/2025

  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.

  I'm not liable for this debt with Columbia Debt RCVY Genesis, I do not have a contract with Columbia genesis, they did not provide me with the original contract as requested.

  Business Response

  Date: 09/08/2025

  Thank you for allowing us to address your complaint. We are Columbia Debt Recovery LLC dba Genesis, a third-party agency contracted to collect the past-due balance owed to Montecito (Greystar). Your account was transferred to our office on April 15th,2024, regarding move-out charges from vacating unit #**** on September 5th,2023; 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 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 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 ************. 

• Initial Complaint

  Date:08/20/2025

  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.

  They never sent me any e-mails stating I owed $142.50 for a past bill. All of a sudden I found it on my credit report and paid them immediately th $142.50 on 08/12/2025 PAID IN FULL

  Business Response

  Date: 09/03/2025

  Thank you for giving us the opportunity to respond to your complaint.
  We are Columbia Debt Recovery,LLC, doing business as Genesis, a third-party collection agency working on behalf of our client, ********. Your account was placed with our office on June 16, 2025, for move-out charges associated with Unit #8-206, which you vacated on January 24, 2025.
  At the time of placement, an initial notice was sent to ******************** advising you of your right to dispute the debt. For your convenience, a copy of this letter has been attached. In addition, our client mailed the required Initial Resident Letter after move-out on February 14, 2025, notifying you of the outstanding balance prior to the account being referred to collections.
  Now that your account has been paid in full, we have requested the deletion of the tradeline from your credit report. Please note that credit reporting agencies update their records according to their own processes and timelines. Because of this,changes to your account may not appear simultaneously across all credit bureaus.
  If you would like to further discuss this matter, our ********************* is available at ******************************************

• Initial Complaint

  Date:08/14/2025

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  In 2023, I applied for housing with *** Championship Ridge and was denied. I paid a $150 deposit, which cleared successfully, and I have bank documentation proving payment. I was never informed of any waitlist or associated fees, nor did I consent to be placed on a waitlist. In 2025, I was unexpectedly contacted by a collection agency regarding a $200 debt allegedly owed to *** Championship Ridge, claiming that $150 of my deposit was returned as ***. This claim is false, as my payment cleared in full. When I provided proof of payment to the collection agent, he responded rudely, stating, Youre not gonna get luck with that, and dismissed my dispute. This is an unauthorized debt, and I am requesting that it be removed from any collection activity or credit reporting. I have attached proof of payment and my original denial documentation for review.

  Customer Answer

  Date: 08/14/2025

  
  1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU
  
       I, Samira Biggus, 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:  08/14 /2025
  
  
  2) Here is the information BBB requested regarding my complaint:
  
  

  • I requested the verification of the debt from Columbia Debt Recovery, LLC on 08/28/2025  by  Select one -> Email, Phone, Mail, or Other (Please specify) email 
    
    *****
  • The reason why I believe the alleged debt is NOT valid is: subsequent debt  invalid and fraudulent. 
    
    *****
  • 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: 08/28/2025

  We are actively reviewing your account and have reached out to our client for clarification. Once our investigation is complete, we will provide a response directly to the Better Business Bureau (BBB) for your records. In the meantime, if you have any questions regarding your account or the status of this review, please contact one of our account representatives at ************.

  Customer Answer

  Date: 08/28/2025

   
  Complaint: 23746906
  
  I am rejecting this response because: Last representative I spoke with told me I wouldnt get anywhere and that it was no point of disputing it and it states :
  
  Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request validation of the debt.
  If they cant provide proof (like the original lease agreement, balance details, or documentation showing you owe it), they cant legally collect it.

  Which I have shown **** numerous times before and your representative denied it and put in favor of the company claims even though theyre records are false and I have shown proof numerous times. 
  

  Your representative also said that the company is claiming the ****** went back as NSF ACH which is Also false ai have records Of the payment being sent when i applied to application and they denied me. So, therefore  this debt is not valid. And it isnt fair to be put on my credit report form something I was denied for. And had no agreement with being placed on waitlist.
  
  
  
  Sincerely,
  
  ****** ******

  Business Response

  Date: 09/09/2025

  Thank you for allowing us to address your complaint. We cannot release our client's underlying claim, but we are no longer pursuing the balance. We have cancelled your account from our office. If you have any questions, please reach out to an account representative at ************.
  

  Customer Answer

  Date: 09/09/2025

   
  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:08/12/2025

  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.

  MISLEADING FALSE REPORTING Information, I am tired of yall ignoring me, I am not a company!!!Columbia Debt Recovery LLC Account Number: ********** This account is inaccurate, The validation they sent is incomplete. The lease they provided has an electronic signature, but no proof that I personally signed it no IP logs, date/time verification, or identity confirmation as required under the E-SIGN Act.The move-out statement lists charges, but there are no photos, invoices, or receipts to prove damages, and nothing showing these are not normal wear and tear. Theres also no proof they are authorized by Sandalwood Management to collect this debt.Without proper validation under the ***** and ****, this account should be closed immediately, all collection stopped, and no credit reporting made.

  Customer Answer

  Date: 08/14/2025

  
  1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU
  
       I, Chanelle *****, 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: 8 __/_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 _8_/_14_/_2025__ by  Select one -> Email, Phone, Mail, or Other (Please specify)______email___________
    
    
  • The reason why I believe the alleged debt is NOT valid is: 

  MISLEADING FALSE REPORTING Information on my credit report
  
  Account Number: **********
  
  This account is inaccurate, The validation they sent is incomplete. The lease they provided has an electronic signature, but no proof that I personally signed it no IP logs, date/time verification, or identity confirmation as required under the E-SIGN Act.
  
  The move-out statement lists charges, but there are no photos, invoices, or receipts to prove damages, and nothing showing these are not normal wear and tear. Theres also no proof they are authorized by Sandalwood Management to collect this debt.
  
  Without proper validation under the ***** and FCRA, this account should be closed immediately, all collection stopped, and no credit reporting made.

  • 
    
  • 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. *******

   

  Signature : ******** ***** , 8/14.2025

  Business Response

  Date: 08/28/2025

  We are actively reviewing your account and have reached out to our client for clarification. Once our investigation is complete, we will provide a response directly to the Better Business Bureau (BBB) for your records. In the meantime, if you have any questions regarding your account or the status of this review, please contact one of our account representatives at ************.

  Customer Answer

  Date: 09/03/2025

   
  Complaint: 23736323
  
  I am rejecting this response because: they did not send me any proof of validaiton and i know my rights this account needs to be removed they have no right to report it on my credit or collection on it . 615 USC 1681b Permissible purpose of consumer report in this law consumers has the right to have anything excluded from the credit report. This law is used for noncompliance of the furnishers.
  
  Sincerely,
  
  ******** *****

  Business Response

  Date: 09/16/2025

  Thank you again for the opportunity to address your concerns.
  Columbia Debt Recovery, LLC, doing business as Genesis, is a third-party collection agency contracted by our client, Sandalwood Management. Your account was placed with our office on July 30, 2025, for move-out charges related to your former residence at ***** at **********, which was vacated on October 8, 2023. In accordance with applicable regulations, we mailed an initial notice upon placement, advising you of the account and your right to dispute the debt.
  Since then, we have responded to your CFPB complaints in full compliance with the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). For your review, we have reattached verification of the debt, which confirms the balance is valid and was previously provided. Should you have additional documentation or information that you believe demonstrates the balance is inaccurate or not owed, please forward it to our ********************* at ***************************************** so we may conduct a further review.
  As a data furnisher, we are authorized to report account information to the credit reporting agencies. This account has been reported in compliance with applicable regulations, and your dispute has been properly noted, with the tradeline updated to reflect the disputed status. We take the accuracy of credit reporting seriously and remain committed to both compliance and transparency. After careful review, we have confirmed that the account and tradeline have been reported accurately and in accordance with applicable laws and regulations.
  Please note that your account has been coded to cease outbound communication unless otherwise permitted or required by law. If you have any questions or would like to discuss your account or available resolution options, you may contact one of our representatives at ************.

• Initial Complaint

  Date:08/06/2025

  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.

  Im submitting this complaint due to a lack of response from Columbia Debt Recovery regarding a disputed portion of a debt placed in collections. Despite multiple attempts to resolve it in good faith, I was ignored, and my credit was negatively impacted.On June 10th, 2025, I received notice of a debt allegedly owed to Terrace Station and I promptly emailed Columbia Debt Recovery/Genesis to clarify that while I accept responsibility for part of the balance, I am disputing certain move-out charges I believe are inaccurate. I attached documentation and explained that I had also contacted the former property management without receiving a reply. I followed up via email and submitted a dispute through the companys website, again offering to pay the corrected balance. I received no response. Instead, they reported the debt to the credit bureaus without marking it as disputed or addressing the documented concerns I raised.This handling may violate both the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA):FCRA 1681s-2(a)(3): Furnishers must notify credit bureaus when an account is disputed.FCRA 1681i: Disputed accounts must be investigated within 30 days.FDCPA 1692g(b): Collection efforts, including credit reporting, must stop until the debt is verified if the consumer disputes it in writing within 30 ******* efforts to resolve this have been entirely ignored, despite clearly asking for a fair review and offering to pay once the balance was corrected. Instead of engaging with a cooperative consumer, they damaged my credit without proper process or communication.Desired Resolution:Review of the attached documentation and my submitted dispute Temporary removal of the negative credit reporting during investigation Correction of the balance to reflect only valid charges Closure of the account once the adjusted balance is paid in full Ive attached my original communication. I hope this prompts a timely and fair resolution.

  Customer Answer

  Date: 08/06/2025

  
  1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU
  
       I, Ryah *******, 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:  08__/_06_/__2025__
  
  
  2) Here is the information BBB requested regarding my complaint: **** *******
  
  

  • I requested the verification of the debt from Columbia Debt Recovery, LLC on xx__/_xx_/_xxxx__ by  Select one -> Email, Phone, Mail, or Other (Please specify)_I did not request verification. I reached out to dispute the amount and resolve. I even used the dispute resolution service on their website in conjunction with my two emails to try to reach them. Instead of responding to resolve with me, they reported it to the bureaus. _______________
    
    *****
  • The reason why I believe the alleged debt is NOT valid is: My complaint was not in regards to the the debt not being valid. It was in regards to me disputing the amount and attempting to resolve with no response from the company. How are people supposed to resolve accounts if the company wont even respond to them when they try? I provided all attachments of my correspondence with the company already in my original complaint. 
    
    *****
  • 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: 08/19/2025

  We are currently reviewing your account and are awaiting additional information from our client regarding a charge in question. Please be assured that once our investigation is complete, we will promptly contact the Better Business Bureau (BBB) to provide a formal response on your behalf. In the meantime, if you have any questions or need assistance regarding your account, our representatives are available at ************ and will be glad to help.

  Customer Answer

  Date: 09/10/2025

  Hello,

   

  I am reaching out because you closed my complaint listed in the subject line above. I would like this reopened because the business response stated they would get back to BBB to provide a formal response for resolution and they have not done that yet. If the complaint is closed there is nothing requiring them to actually provide a response. Please reopen and allow the business time to work out a resolution response to this issue. 

   

  Thanks,

   

  **** *******

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

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

  Business Response

  Date: 09/15/2025

  Thank you for the opportunity to address your complaint.
  Columbia Debt Recovery, LLC, doing business as Genesis, is a third-party collection agency engaged by our client, Thrive, to collect on your account. Your account was placed with our office on June 9, 2025, in connection with move-out charges related to Unit #W248, which was vacated on February 16, 2025.
  Upon placement, we provided notice of the account and informed you of your right to dispute the debt. In response to your written dispute, we provided verification of the debt in accordance with the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Our client has confirmed the accuracy of the charges. Initially, a full months rent was assessed on February 1, 2025; however, that charge was corrected to reflect only 16 days of rent for February. Because the lease ended on February 7, 2025, a month-to-month fee was also assessed for the 9-day period following lease expiration. These rental charges have since been paid, and the remaining balance consists of cleaning fees, paint, and prorated carpet replacement. For your review, we have attached the ledger, invoices, and photographs. If you have any further documentation or information indicating the balance is inaccurate or not owed, please forward it to our ********************* at *********************************************************************** so we may conduct an additional review.
  As a data furnisher, we are authorized to report account information to the credit reporting agencies and have done so in compliance with applicable regulations. Your dispute has been recorded, and the tradeline has been updated to reflect the disputed status. We take the accuracy of credit reporting seriously and remain committed to both compliance and transparency. After reviewing your concerns, we find that the account and tradeline have been reported accurately and in accordance with applicable laws and regulations. For additional details regarding how the tradeline is reported, we recommend contacting the credit reporting agencies directly.
  Enclosed, you will also find a pay-for-delete offer should you wish to pursue that option. Otherwise, your account has been flagged to cease outbound communications unless otherwise permitted or required by law. Should you have any questions, please contact one of our account representatives at ************.

  Customer Answer

  Date: 09/15/2025

   
  Complaint: 23710028
  
  I am rejecting this response because: I have sent ***************************************** an email providing my detailed response for my rejection per their response directions. 
  
  Sincerely,
  
  **** *******

• Initial Complaint

  Date:08/02/2025

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  Since 2023, I have been harassed by Columbia Debt Recovery/Genesis in an attempt to collect an inaccurate balance from a past apartment rental. I have been called multiple times from a variation of different phone numbers over the past 2 years. I have disputed the amount with all 3 credit bureaus and would now like to formally file a complaint for intimidation by repeated phone calls, emails, and voicemails. The below list is comprised of all the growing list of phone numbers this company has called me from:************** ************** ************** ************** ************** ************** ************** ************** ************** ************** ************** ************** ************** ************** ************** ************** ************** Please do not contact me by any form of communication, including phone, email, or mail and remove any and all of my contact information from your records.

  Customer Answer

  Date: 08/03/2025

  
  1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU
  
       I, Kayla *******, 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:  8/4/2025
  
  
  2) Here is the information BBB requested regarding my complaint:
  
  

  • I requested the verification of the debt from Columbia Debt Recovery, LLC on 2/15/2022 and 3/21/2022 by  Select one -> Email, Phone, Mail, or Other (Please specify) Email
    
    *****
  • The reason why I believe the alleged debt is NOT valid is: 
    These charges are invalid and not owed to Avana, including final charges for cleaning, carpet, service, and moveout fees.
    
    *****
  • 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: 08/13/2025

  Thank you for providing an opportunity to respond to your complaint. We, Columbia Debt Recovery dba Genesis, have been contracted to collect on the balance owed to *************************** related to your move out of unit 3406 in January of 2022. While we understand receiving collection calls can be frustrating, after review of your file there have been no violations of FDCPA, RegF, or internal company policies pertaining to excessive communications attempts. With that said we have placed your account in a cease and desist
  preventing outbound communications absent those explicitly allowed by law or requested by you. If you would like to make arrangements towards the balance, or, have any questions related to your account please contact us at ************ or via our website at **********************************.

  Customer Answer

  Date: 08/15/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********. The only part of this resolution that I accept is the agreement to cease and desist all unsolicited communication from them to me. Im actually dumbfounded by their lack and refusal of accountability. It is quite insulting. They stated that "there have been no violations of FDCPA, RegF, or internal company policies pertaining to excessive communications attempts." Should I also submit the dates, times, and hours to match this list of over 30+ phone numbers Genesis calls me from constantly every other day? Im more than happy to add that to my next complaint if need be. To be *****, I dont care who Genesis is contracted to. I have politely asked them to stop contacting me on behalf of *****, and thats exactly what I expect to happen. And Im more than happy to continue filing complaints should my request be ignored now that the cease and desist has been acknowledged and is in place. 

   

  Sincerely,
  
  ***** *******

• Initial Complaint

  Date:07/26/2025

  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.

  Columbia Recovery Group and GenesisCRE are jointly reporting a rental collection account that is inaccurate, unverifiable, and possibly reinserted in violation of FCRA 1681i(a)(5)(B).I requested validation under FDCPA 809. No lease, billing ledger, or proof of assignment has been provided. This debt changed names and reappeared without any legal ********* requesting full deletion of the account from all ********************** bureaus and that both parties stop any further communication or reporting without legal documentation

  Business Response

  Date: 07/30/2025

  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 an account representative at ************.

  Business Response

  Date: 08/29/2025

  Thank you for providing us with the opportunity to address your complaint.

  We are Columbia Debt Recovery, LLC, doing business as Genesis, a third-party collection agency engaged to recover a past-due balance on behalf of our client, **********. Your account was placed with our office on July 8, 2024, for move-out charges related to Unit #****, which you vacated on March 14, 2024. At the time of placement, we provided notice of the account and informed you of your right to dispute the debt.

  Following a thorough review, we have confirmed that the balance is valid. For your reference, we have enclosed a copy of your lease agreement and the final statement issued after your move-out. These documents were previously sent in response to your email dispute dated April 8, 2025.

  If you have documentation or information suggesting that the balance is inaccurate or not owed, please forward it to our ********************* at *********************************************************************** so that we may conduct an additional review.

  As a data furnisher, we are authorized to report account information to the credit reporting agencies. We have done so in compliance with applicable regulations. Your dispute has been recorded, and the reporting has been updated to reflect the disputed status of the account.

  Should you have any questions or if you wish to discuss your account or available resolution options, please contact an account representative at ************. Please note that your account has been updated to cease outbound communications, except where otherwise permitted or required by law.

  Customer Answer

  Date: 08/29/2025

   
  Complaint: 23658901
  I reject Columbia/GenesisCREs response. While they attached documents, these do not provide complete validation of the debt or prove their legal right to furnish this account to the ********************** bureaus. The reported balances continue to change, which violates FDCPA 1692f(1) and FCRA 1681e(b).

  
  

  Further, if this account was previously removed or re-reported under different names (Columbia and GenesisCRE) without written reinsertion notice, that is a violation of FCRA 1681i(a)(5)(B).

  
  

  The core issue remains unresolved: the account is being reported inaccurately, incompletely, and in violation of federal law. I request permanent deletion from all credit bureaus as the only fair resolution.

  
  Sincerely,
  
  ******* *******

• Initial Complaint

  Date:07/26/2025

  Type:Billing Issues
  Status:

  ResolvedMore 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 moved from my apartment in January 25 Cantera in AZ. Greystar their management company sent me a bill for move out costs including utilities but this bill also charged me over a 100 dollars for paint from drywall and minor holes. They sent me pics and I asked for my move in paperwork which they also sent. They did not do a final walk thru and on my move in paperwork I specifically listed holes in walls and drywall multiple times. They never removed so I could pay therest claiming the paperwork did not say what it said and sent my bill to this collections. I called right away asked to speak to someone in *******, got hung up on, questioned and harassed about why would move into an apartment with holes ect. It has been a joke and nightmare. I am sticking to email only but they are charging me interest. The automated email then send out said interest will not occur if I submit my proof and are fighting the amount claimed that I owe. Which I am doing . I have my emails, their emails not acknowledging my move in paperwork siting the exact things Cantera is claiming that I did the damage even though the paperwork everyone has clearly states dameage to drywall and holes. They continue to ignore the facts, not take off the amount so I can pay the utilities (which I agreed to) and just ignore it like Greystar and Cantera did. It is not my fault the apartment had turnover and the girl who worked there when I moved in no longer is there. No one should be allowed to charge people fees and ignore documents that prove the minor damage was there-when move in paperwork was submitted with those items listed and no one did a final walkthrough with me. Just to get an extra hundred dollars for me illegally and then not a knowledge the facts and send it to a collection company who is now doing the exact same thing. Only threatening my credit, my intelligence, and being horrible all while charging additional interest. When I am the one providing proof. It is under ******* *****

  Customer Answer

  Date: 08/06/2025

  I am attaching the document you mailed to me to sign regarding my complaint for the company Columbia Debt. I am attaching little concerned because I also received an email stating my case is closed? Now this form just got to me on Saturday and I had to call Friday to get a status update. You work for the Better Business Bureau and are supposed to be helping me because I filed a complaint for being charged wrongful fees. Am I going to have to re do another complaint?

  
  

  The attached also is requesting items I uploaded into my complaint when I made it. The documents stating I owe for paint fees and holes that I documented where there on my move paperwork. Genesis the debt company is not seeking a resolution from me because it is ignoring the fact that I have these documents just like ******** did for Cantera. I can forward you those emails but I am hoping you really didnt close my case without even giving me a chance to sign the letter attached to this email (just yesterday in the mail) and my paperwork signed showing drywall damage and holes signed by both parties. You should really look into ********, its much faster before mailing this and closing cases. This company is supposed to help cases like mine not work against me.  My phone number is ************. Please call or email me with an update. This debt collector is not a good company and is currently ignoring the facts and somehow charging me daily interest. 

  
  

  What I will pay from my move out account statement bill is everything minus the 125( paint touch up) so like 158. 

  Customer Answer

  Date: 08/06/2025

  Sorry here is the name ******* Booker ***** and the lease documents they are using from 2023 even though I moved in ****************************************************************************************** my keys ect. The company Aliance who I originally signed with just merged with ********* 

  
  

  I also have the email from Greystar claiming I didnt document the holes ect but clearly I did on my documentation drywall and holes in multiple rooms living dining bedrooms. 

  
  

  Business Response

  Date: 08/11/2025

  We are currently reviewing your account and the documentation you provided. These materials have been forwarded to our client, and we are awaiting additional information. Once our investigation is complete, we will promptly contact the Better Business Bureau (BBB) to ensure a response is provided to you. If you have any questions regarding your account while we investigate your claims, please contact one of our account representatives at ************.

  Customer Answer

  Date: 08/18/2025

   
  Complaint: 23657148
  
  I am rejecting this response because:

  it is not an agreement it is only a confirmation that they are speaking with the client directly. I will wait until an offer is made to accept. 
  

  I also want to make sure I am not being charged daily interest from Columbia Debt Recovery while I am disputing this and if I am that it also be credited back to me. Per the guidelines on their own company response. 

  
  Sincerely,
  
  ******* ****** (*****)

  Business Response

  Date: 08/28/2025

  Thank you for allowing us the opportunity to address your complaint, and for your patience while we completed our review of the disputed charges.

  We are Columbia Debt Recovery, LLC, doing business as Genesis, a third-party collection agency contracted to recover the past due balance on behalf of our client, ********. Your account was placed with our office on July 18, 2025, for move-out charges related to Unit #****, which you vacated on January 21, 2025. At the time of placement, you were notified of the account and your right to dispute the debt.

  After a thorough investigation, we have confirmed that the balance is valid. For your reference, we have included supporting documentation, including:

  -A photo of the drywall damage;
  -Lease agreement; and
  -The move-in inspection report noting minor drywall little holes in bedrooms living/dining area.

  The damage reflected in the attached photo exceeds normal wear and tear, as the holes are more extensive than what would be considered small or the result of normal wear and tear. ********* 25 of your lease agreement, regarding alterations to the premises, supports the validity of this charge.

  Additionally, ******** noted that the propertys maintenance supervisor confirmed that a full paint job was required. She further stated that initially understated the paint charge- she should have been billed more-but the charge itself is valid.

  We also refer you to Paragraph 32 of your lease agreement,Default by Resident Other Remedies. In accordance with this provision and Arizona state law, interest has been applied to your account at a rate of 10%per annum, calculated daily. Please note, if payments are made and maintained,interest may be subject to negotiation or adjustment.

  As a data furnisher, we are authorized to report account information to the credit reporting agencies. Your dispute has been documented;however, your account has yet to be sent to the Credit ****************** (CRAs)in full compliance with applicable regulations.

  Should you wish to discuss your account or available resolution options, please contact an account representative at ************.Be advised that your account has been updated to cease outbound communications unless otherwise permitted or required by law.

  Customer Answer

  Date: 09/03/2025

   
  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. I have called them directly. Thank you so much for your time. I do not agree with ******** at All but ready to move forward and definitely over the past and that community 
  
  Sincerely,
  
  ******* ****** (*****)

• Initial Complaint

  Date:07/25/2025

  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.

  ****** ******** ************************************* (Columbia DEBT RECOVERY ] (Account Number: *********** MET ********* RE: Account Number **************** at ****** To Whom It May Concern:This letter is in regards to the account number listed above which you claim has (specific negative condition). I hereby notify you that your claim is disputed, and I am requesting complete validate per the Fair Debt Collection Practices Act.Please note that I require full validation under the law, to include copies of completed and signed documentation indicating that I have a contractual obligation to pay you, or had such an obligation to pay in the past.The letter also serves as your notification that I am disputing this alleged (specific negative condition) with all credit bureaus where it has been listed. Per the Fair Credit Reporting Act, any debt which cannot be property validated may not be reported to any credit bureau.Your failure to remove inaccurate information from my credit files will be documented as a violation of the Fair Credit Reporting Act for the sole purpose of pursuing legal relief under current consumer laws.Please submit any substantiating evidence of your claims regarding the account listed above to the following address:****** ******** ************************************* If I do not receive a response from you regarding your claim within 30 days of the verified receipt of this letter, I will assume that you do not have the required documentation and that your claim is invalid. Per this assumption, I will move forward with legal proceedings to retrieve damages for your ongoing violations of the **** and FDCPA.Please note that any and all information provided by you will be documented thoroughly as part of the ongoing validation process. I look forward to your timely response and correction of this oversight,Regards,****** ******** ************************************************************************

  Customer Answer

  Date: 07/26/2025

  
  1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU
  
       I, Sophie ********, 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:  07/25/2025
  
  2) Here is the information BBB requested regarding my complaint:
  
  

  • I requested the verification of the debt from Columbia Debt Recovery, LLC on _07_/__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: 
    Not my account name ws in a data breach and miss used and never had no account or open any account in my life with Columbia debt recovery company *****
  • 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: 08/05/2025

  Thank you for the opportunity to respond to your complaint.

  As noted in CFPB Complaint ID# ***************, we have previously provided verification for each account referenced. All accounts placed with our office pertain to application fees. Our review has determined that the balances are accurate and owed. However, if you have documentation that demonstrates the balance is incorrect or not due, please forward it to ***************************************** for further review.

  As a data furnisher, our company is authorized to report consumer information to the credit reporting agencies in accordance with all applicable laws and regulations. Your dispute has been noted, and we have updated the credit reporting information accordingly.

  If you have additional questions or wish to discuss this matter further, you may contact our office at ************. Please note that your account has been flagged to cease outbound communication, unless legally required or otherwise permitted.