Debt collection
Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 434
- Closed with money back
- 1%
- 2023 to 2025
- 60 to 186
Servicemembers filed 7.6% of Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis's 5,748 complaints in the window, against 2.5% across the directory. The complaints are mostly about debt collection, and the single most common issue is "Attempts to collect debt not owed". 1% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 60 in 2023 to 186 in 2025.
What the complaints are about
By product
| Debt collection | 368 |
| Credit reporting or other personal consumer reports | 55 |
| Credit reporting, credit repair services, or other personal consumer reports | 6 |
| Debt or credit management | 4 |
| Credit card | 1 |
By issue
| Attempts to collect debt not owed | 198 |
| False statements or representation | 61 |
| Written notification about debt | 50 |
| Incorrect information on your report | 40 |
| Took or threatened to take negative or legal action | 27 |
| 2023: 60 | 2024: 188 | 2025: 186 |
Which accounts, specifically
| Rental debt | 303 |
| Credit reporting | 62 |
| I do not know | 59 |
| Other debt | 22 |
| Debt settlement | 4 |
What went wrong, specifically
| Debt is not yours | 100 |
| Attempted to collect wrong amount | 60 |
| Debt was result of identity theft | 49 |
| Debt was paid | 48 |
| Information belongs to someone else | 28 |
Busiest month: May 2024, with 24 servicemember complaints. Most were submitted by web.
Most complaints came from TX (100), FL (53), CA (51) , then GA, WA, AZ.
How Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis answered
| Closed with explanation | 394 | 91% |
| Closed with non-monetary relief | 36 | 8% |
| Closed with monetary relief | 4 | 1% |
Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Debt collection; Took or threatened to take negative or legal action. TN, 2024-09-02. Outcome: Closed with explanation. Complaint 9991636
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Debt collection; Attempts to collect debt not owed. GA, 2024-09-01. Outcome: Closed with explanation. Complaint 9983566
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Credit reporting or other personal consumer reports; Incorrect information on your report. NV, 2024-08-28. Outcome: Closed with explanation. Complaint 9949772
If this is your problem at Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with debt collection peers
- I.c. System 507 servicemember complaints; 0% with money back
- Kriya Capital 539 servicemember complaints; 0% with money back
- T.s. 322 servicemember complaints; 0% with money back
- National Credit Systems 610 servicemember complaints; 0% with money back
- Caine & Weiner 305 servicemember complaints; 0% with money back
Next in the directory by volume: Carrington Mortgage Services, SoFi Technologies, Self Financial.
Frequently asked questions
How many complaints did servicemembers file against Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis?
434 complaints tagged servicemember were received by the CFPB about Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 60 in 2023 to 186 in 2025.
What do servicemembers complain about most at Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis?
Debt collection accounts for 368 of the 434 complaints, and the most common issue is "Attempts to collect debt not owed" (198). Next: "False statements or representation" (61).
Does Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis give money back when a servicemember complains?
1% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 36 closed with non-monetary relief and 394 closed with an explanation only. Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.