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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

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

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    Customer Complaints Summary

    • 333 total complaints in the last 3 years.
    • 139 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.

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    Complaint status

    Complaint type

    • 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

    • Initial Complaint

      Date:03/27/2025

      Type:Billing Issues
      Status:
      Unresolved
      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:
      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: 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:
      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.
      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:
      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 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:
      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. 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:
      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 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

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

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