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Business Profile

Collections Agencies

Zions Debt Holdings, LLC - Collection Agency

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

This profile includes complaints for Zions Debt Holdings, LLC - Collection Agency's headquarters and its corporate-owned locations. To view all corporate locations, see

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Zions Debt Holdings, LLC - Collection Agency has 2 locations, listed below.

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    Customer Complaints Summary

    • 366 total complaints in the last 3 years.
    • 140 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:05/14/2025

      Type:Delivery Issues
      Status:
      Answered
      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 don’t recognize this transaction and is no number to contact them

      Business Response

      Date: 05/19/2025

      Hi ******** ******,

      Please call our office if you don't recognize this account. We have sent multiple letters to you without response. We have a contract on file from Universal security solutions/ Monitronics home security. Please call our office with further questions. ************

       

      Thanks,

      Zions Debt Holdings

    • Initial Complaint

      Date:05/02/2025

      Type:Billing Issues
      Status:
      Answered
      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 accountable for the debt associated with ZIONS DEBT. There is no contract between me and ZIONS DEBT, and they have not provided the original agreement as requested.

      Business Response

      Date: 05/19/2025

      Hi Akeha,

       

      We have went over your complaint. It has been determined that this account is valid. We have yet to receive any requests for documentation until this complaint. We will be sending you a contract to the email provided to the bbb. If you have any questions after you receive the contract please call our office. ************....We own this account so any questions will need to be directed to our office.

       

      Thanks,

      Zions Debt Holdings

    • Initial Complaint

      Date:04/24/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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 business added a collection to my credit report without contacting me first. I have no idea where this debt came from, it is not mine. This should be removed from my account immediately. I'm sure it's against the law to fraudently report on someones credit report.

      Business Response

      Date: 05/02/2025

      Zions Debt Holdings sent a ******* notice to this consumer years ago without any response. This is the first time we have heard from ******* *******. We can provide any information to the consumer. This account is valid. Please call our office if you have any questions. ************

       

      Thanks,

      Zions Debt Holdings

    • Initial Complaint

      Date:04/24/2025

      Type:Product Issues
      Status:
      Unanswered
      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 account is a fraudulent account never authorized this or no what this is
      Per 15 USC 1681 E (B)

    • Initial Complaint

      Date:04/21/2025

      Type:Customer Service Issues
      Status:
      Answered
      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 Zions Debt Holdings, LLC. I do not have a contract with Zions Debt Holdings, LLC, they did not contact me with the original contract as requested.

      Business Response

      Date: 05/02/2025

      This account is valid. Zions Debt Holdings owns the account now. We sent full validation to the consumer on 04/16/2025. Please call our office with further questions. 385-303-9778

       

      Thanks,

      Zions Debt Holdings

    • Initial Complaint

      Date:04/16/2025

      Type:Order Issues
      Status:
      Answered
      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 zions debt holdings. I do not have a contract with this agency. They did not provide me with the original contract as requested

      Business Response

      Date: 05/02/2025

      This account should be closed within 30 days

    • Initial Complaint

      Date:04/10/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      Credit report states I have a joint account that was filed in March. I haven’t co-signed to any thing nor do I have an account with you guys.

      Business Response

      Date: 04/16/2025

      Hi *********,

      You're the primary account holder on this account. If you have questions feel free to call our office. We have verified all information provided by the original creditor and its accurate. 385-303-9778

       

      Thanks,

      Zions Debt Holdings

    • Initial Complaint

      Date:04/02/2025

      Type:Customer Service Issues
      Status:
      Answered
      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 ZION DEBT HOLDER, I do not have a contract with **** collector attempting to collect debt. They did not provide me with original contract as requested over the phone and i would like this removed

      Business Response

      Date: 04/03/2025

      Monitronics Account #: **********


      To Whom It May Concern, Zions Debt Holdings has reviewed the information provided by ******* Shanklin and appreciate the opportunity to respond.

      In his complaint, ******* ******** explains that this is not his account or he isn't liable for it.After our investigation on this account...It has been determined that the account is valid. The contract that we have has ******* ********** personal information on it. 

      ******* ******** may contact ZDH representatives directly should he have any further questions regarding this account.

      If you have further questions or concerns regarding this response, please respond to either our mailing address: ********************************** phone number: ************

      Sincerely,

      Zions Debt Holdings, LLC

    • Initial Complaint

      Date:03/31/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      **Complaint Statement**I am disputing an invalid account reporting by ********************* on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. It must be deleted per federal law.

      Business Response

      Date: 04/03/2025

      We are not, "ASSOC CREDIT SERVICES". If you have questions feel free to call our office. ************

       

      Zions Debt Holdings

    • Initial Complaint

      Date:03/29/2025

      Type:Customer Service Issues
      Status:
      Answered
      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 Zions Debt Holdings. I do not have a contract with Zions Debt Holdings, they did not provide me with the original contract as i requested

      Business Response

      Date: 04/03/2025

      Just Energy Account #: ********


      To Whom It May Concern, Zions Debt Holdings has reviewed the information provided by **** Martinez and appreciate the opportunity to respond.

      In his complaint, **** ******** explains that he paid this account off.After our investigation on this account...It has been determined that the account is valid. The account was never paid and was sold to our company. The original creditor is willing to provide an affidavit stating that the consumer still owes on this account.

      **** ******** may contact ZDH representatives directly should he/she have any further questions regarding this account.

      If you have further questions or concerns regarding this response, please respond to either our mailing address: PO Box 878 Spanish Fork, *****, or phone number: ************

      Sincerely,

      Zions Debt Holdings, LLC

    Zions Debt Holdings, LLC - Collection Agency is NOT a BBB Accredited Business.

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