Business Profile

Collections Agencies

Zions Debt Holdings, LLC - Collection Agency

This business is NOT BBB Accredited.

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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

Customer Complaints Summary

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

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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.

Initial Complaint
Date:03/27/2025
Type:Billing Issues
Status:
UnresolvedMore 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.
1) No relationship with Zions Debt Holding co.
2) Sent me collections letter from a company that closed the account and transitioned to another person
3) Clearly wrong person to deal with this account
4) ****** have agreed to transfer the account to different location
5) If this is not resolved, I will have to take them to court and file a complaint with Consumer Financial Protection and state attorney office.
Business Response
Date: 04/03/2025
We buy all of ****** past due alarm accounts. Nobody initiates a contract with us. We are a Debt Buying company. ****** disconnected your service due to non-payment. They did not cancel your account. The account was not transferred to somebody else. Feel free to call us if you would like to discuss the account.
Customer Answer
Date: 04/03/2025

Complaint: ********

I am rejecting this response because:
the ****** ******** LLC is not my business and I’m not the owner of that business. I am not sure why the bill/collection is under my name.

Sincerely,

******** *****
Initial Complaint
Date:03/24/2025
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 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: 03/25/2025
Full validation was sent to this consumer on 03/20/25. Account is valid
Initial Complaint
Date:03/21/2025
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.
Upon reviewing my credit report, I noticed a collection entry reported by **************** that is entirely inaccurate and does not belong to me. This incorrect information has negatively impacted both my credit score and personal reputation. I respectfully request that this matter be promptly investigated and corrected.When I contacted **************** to address the issue, I was met with a dismissive attitude and no meaningful resolution. There are two major concerns: First, there is an identity issuethe name linked to my company is incorrect. Second, the reported information itself is false.Their lack of attention to factual accuracy and their unprofessional conduct raise serious concerns. It is deeply troubling that **************** would submit such inaccurate data to credit reporting agencies. While I cannot say for certain what motivated this error, the situation suggests the possibility of fraudulent or negligent practices.
Business Response
Date: 03/25/2025
Account is valid. Full validation sent to consumer on 02/19/2025. Please call our office if you have further questions. ************

Thanks,
Zions Debt Holdings
Customer Answer
Date: 03/26/2025

Complaint: 23099774
Dear ****************,
I am rejecting this response: "Account is valid. Full validation sent to consumer on 02/19/2025. Please call our office if you have further questions. ************"
for the following reason: On 02/19/2025 you send me an email: "******** *****! We bought your past due Brinks alarm account. This is scheduled to be reported to the credit bureaus on 3/1/2025. You can reply to this email to receive instructions on how to pay online. You can also call us to discuss at ************ or set up a payment plan to avoid it being reported."
I am responding again to formally dispute inaccurate information that has been reported by your company to the credit bureaus under ******** *****. Upon reviewing credit report, I noticed erroneous details associated with your organization that do not accurately reflect my credit history. As discussed over the phone, I am not ******** *****. I have communicated this simple fact but you have ignored the evidence and decided to report wrong information to the credit agencies. Also the account by ******** ***** with ****** alarm was closed before it was transffered to another account. There is a history of this account and Brinks have cleared any balance due to its failure to provide service in new location. Why are you demaning a payment for service not provided? You have not shown any evidence service have been provided. You have not proved the identity of the account holder. This clearly is an abusive practice that the state has to investigate.
Refer the letter that was sent to Brinks through law firm of *****************************************************

Sincerely,

******* Weldekirstos
Business Response
Date: 03/27/2025
******* weldekirstos isn't on this account don't know why he is filing bbb compliants. Please call our office if you have questions. ************
Customer Answer
Date: 04/02/2025

Complaint: 23099774
You mentioned "******* weldekirstos isn't on this account don't know why he is filing bbb compliants. Please call our office if you have questions. ************"

I am rejecting this response because:
You are well aware of my interaction with Brinks and your firm. I exchanged an email about the account in ******************************************* with *** *******. There was technical problem with ****** and you are ignoring all material facts sent in the email. If needed, I can attach the email and document in this complaint against your firm. No service was provided and the account has been cancelled because of the failure of ****** to provide service. I am the owner of the building and I am the one who were communicating with ****** about this particular account. I can not ignore facts because you are confusing the account with another person. This is the reason I mentioned there is an identity issue as well.
Here is an email I received from your firm. I called to disscuss but I have not seen any cooperation and understanding to solve the problem.
"Thanks,
Mia Johnson
Zions Debt Holdings, LLC
PO Box 878
************, **** 84660
************"
Did Brinks provide any service in **************************************************************************; to demand a payment ?
Did Brinks install the required equipment onsite to provide the service ?
You know the answer and I have sent all evidences to support the case including email exchange with Brinks. Does it make any sense to demand a payment for service not provided ?
Is it legal for you to report knowing there was a problem with the account and demanding a payment without providing any evidence ?
If you are interested to solve this problem, provide any evidence to show Brinks have fulfilled its obligation to provide functionaing equipment and service.

Sincerely,

******* Weldekirstos
Business Response
Date: 04/03/2025
******* weldekirstos isn't on this account don't know why he is filing bbb compliants. Please call our office if you have questions. ************
Initial Complaint
Date:03/20/2025
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 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 requested.
Business Response
Date: 03/25/2025
Account is valid. Validation has been provided to consumer. Please call our office with any further questions.

385-303-9778
Zions Debt Holdings
Initial Complaint
Date:03/19/2025
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. I do not have a contract with Zions Debt Holdings. They did not provide me with the original contract as I requested. They never responded.
Business Response
Date: 03/25/2025
Account is valid. Affidavit from Just Energy was sent to consumer as of today. If you have questions please call our office. 385-303-9778

Zions Debt Holdings
Initial Complaint
Date:03/17/2025
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 have no knowledge of this company. I recently learned that is on my credit report and I have no loans nor and knowledge of such company.
Business Response
Date: 03/19/2025
Monitronics Account #:**********

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

In his/her complaint, **** Fisher explains that she doesn't remember this account. After our investigation on this account...It has been determined that the account is valid. The contract that we have has **** Fisher personal information on it. This account was never closed according to the policies and procedures that ****** has in place for cancellation. After this account went into default with Brinks....it was sold to our company.

**** Fisher 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
Customer Answer
Date: 03/27/2025

Complaint: 23075976

I am rejecting this response because:
I have not been served via, regular or certified mail. This is a violation of the truth and lending act. My credit score has dropped 57 points due to this matter.
Kindest regards,

Sincerely,

**** ******
Business Response
Date: 03/27/2025
We will be sending validation to consumer within 30 days. If you have further questions please call our office. ************

Thanks,
Zions Debt Holdings
Initial Complaint
Date:03/16/2025
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.
I'm not liable for the debt with ****** Home Security for the amount of $2629.00 I did not sign a contract with the collection agency Zion Holding they did not provide me with the original contract that I requested.
Business Response
Date: 03/25/2025
Account is valid. Full validation of debt was sent to consumer on 08/05/2024. If you have further questions please call our office. 385-303-9778

Zions Debt Holdings
Initial Complaint
Date:03/15/2025
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 have this erroneous charge on my credit of almost $3000 for. Debt I don’t owe
Business Response
Date: 03/25/2025
Account is valid...Full validation of debt sent to consumer on 03/20/25. Please call our office if you have further questions. ************

Zions Debt Holdings
Customer Answer
Date: 03/25/2025

Complaint: ********

I am rejecting this response because: they never sent any information other than telling me they purchased a debt. No proof debt belongs to me.

Sincerely,

******* ******
Business Response
Date: 03/27/2025
Account is valid...Full validation of debt sent to consumer on 03/20/25. Please call our office if you have further questions. ************
Initial Complaint
Date:03/11/2025
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.
Just checked my credit report and notice that this company has placed a collections. I'm assuming this collection is based on Brinks a service that I've never used. I did sign up for security company called *********. That company might have sold to ****** however I signed no contract with ****** and have no intention to pay for a service I did not use since the selling of ********* to Brinks. Which can be easily checked as the system has bren disused for almost 4 years, and has not been even activated in that time yet they continue to bill me for a service i did not use. I want the records of when last the service was used, when last the system was activated. I request that this is removed from my credit report and that verification notice is posted to the address on file.
Business Response
Date: 03/19/2025
Monitronics Account #:**********

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

In his/her complaint, ****** Brissett explains that he never signed a contract with ******....But he did with Livewatch. In ********** contract you can transer contracts that have been purchased by another company.. After our investigation on this account...It has been determined that the account is valid. The contract that we have has ****** Brissett personal information on it. This account was never closed according to the policies and procedures that Brinks has in place for cancellation.

****** Brissett 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
Customer Answer
Date: 03/19/2025

Complaint: 23049393

I am rejecting this response because:
Send me the contract I signed with ********* clearly stating that it is transferable to another company. Also please attach verification of this debt. Also please provide proof that the contract with ********* was never cancelled before it was sold to Brinks.

Sincerely,

****** ********
Business Response
Date: 03/21/2025
Account is valid. Please call our office with any further questions.

************
Zions Debt Holdings
Customer Answer
Date: 03/24/2025

Complaint: 23049393

I am rejecting this response because:
I've already responded to this statement. It's the law to provide verification. If you do not, I will request removal and then good luck getting a dime.

Sincerely,

****** ********
Business Response
Date: 03/25/2025
Our contract ***** Is sending validation to you with in 30 days.
Initial Complaint
Date:03/10/2025
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 not liable for this debt with ZIONSDEBTHOL. I do not have a contract with ZIONSDEBTHOL. This account was opened without my authorization and constitutes fraudulent activity. The company has
Business Response
Date: 03/11/2025
Just Energy Account #: *****

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

In his/her complaint, T ****** explains that he/she have never had this account. After our investigation on this account...It has been determined that the account is valid. Just Energy is willing to sign an affidavit claiming the account is valid.

T ****** 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: ******************************, or phone number: ************

Sincerely,

Zions Debt Holdings, LLC

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