We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
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

Find a Location

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

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    Customer Complaints Summary

    • 362 total complaints in the last 3 years.
    • 142 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:06/27/2025

      Type:Sales and Advertising 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 company is reporting a false debt on my credit. I have never had an account with them and dont owe them any money. Please have them remove it from reporting agencies.

      Business Response

      Date: 07/03/2025

      This account is valid...we have responded to the consumer. We have sent him the original contract he signed and didn't fulfill with the original creditor. ZDH is more than happy to assist this consumer. He has yet to call into our office to try and resolve this account. Please call ************ to resolve this account.

       

      Thanks,

      Zions Debt Holdings

    • Initial Complaint

      Date:06/17/2025

      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 company has bought out my contract with brinks 2 months ago I never knew anything about it I closed that account October or 2023 and just now receiving this text from them saying I owe 123 dollars. So I called brinks they said they only sent over 49.86 to this company for me to pay. This company then goes and adds a 60 dollar late fee and 11 dollar interest on me with out getting in contact with me. They have a cease and desist in Idaho for not being licensed to I am really trying to figure out if they are licensed and are yall going to let this company keep charging people without telling them or getting in contact with them first that don’t look good for the state of sc better bureau. Also I closed my account and closed it just like I was supposed to but they idamized my bill and sent a final bill that I never received or knew about.

      Business Response

      Date: 06/24/2025

      Hi ****,

      Your account is valid. We can provide you with validation whatever you need. Unfortunately....you didn't follow the policies for cancellation. If you want to resolve your account feel free to call our office. ************

       

      Thanks,

      Zions Debt Holdings

    • Initial Complaint

      Date:06/12/2025

      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.
      Zion Debt Holdings showed up on my Equifax credit report, reporting a debt of $528
      I have no idea who this company represents, or what this debt is for. I have never been contacted by this company concerning this debt. Furthermore, when I try to dispute the claim via the credit karma site, the claim disappears which leaves me no way to dispute it. There is also no contact information on the report to be able to contact the debtor to inquire about the debt or resolve it. This leaves me with absolutely zero options to rectify this matter

      Business Response

      Date: 06/16/2025

      We purchased your Vivint alarm account. They disconnected your service due to non-payment. Your current balance owed is $528.68. Pay online at ********************* with account# *********. If you pay off the account, we offer full deletion from the credit bureaus. You're more than welcome to call us at ************ to discuss the account as well.

    • Initial Complaint

      Date:06/05/2025

      Type:Sales and Advertising 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 had filed bankruptcy on the original owner of this account. Then this company buys the account and put it on my credit report! I had talked to them numerous times and told them they can call my bankruptcy attorney and gave them the information! My attorney said they can NOT continue to persuade this account that I owed Vivint!!! I won’t this account removed off my credit report immediately!!!

      Business Response

      Date: 06/09/2025

      Hi ****,

       

      Zions Debt Holdings has yet to speak with you regarding your account or your bankruptcy. If you have a bankruptcy case please send it to us or you can call our office and give it to rep. ************

       

      Thanks,

      Zions Debt Holdings

      Customer Answer

      Date: 06/09/2025



      Complaint: 23427828



      I am rejecting this response because: I received numerous calls from this company. I explained to them that this account that they purchased was included in a bankruptcy case. I gave them my attorney name address and phone number after I called my attorney and verified this was included in bankruptcy. My attorney also said that it is not the responsibility of them or myself to give them this information and instructed to call the bank they purchased the account from. 



      Sincerely,



      **** *****

      Business Response

      Date: 06/10/2025

      Hi ****,

      Zions Debt Holdings has yet to speak with you regarding your account or your bankruptcy. If you have a bankruptcy case please send it to us or you can call our office and give it to rep. ************

      Thanks,
      Zions Debt Holdings

    • Initial Complaint

      Date:06/03/2025

      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.
      ZIONS DEBT HOLDINGS sent me a bill for debt which had been in dispute with another collections company for over a year. This is a duplicate collection for debt held by another company. Moreover, ZIONS added interest and fees that more than doubled the debt in question, without any prior notice nor opportunity for me to avert (or dispute). They have provided no proof of ownership of the debt, no accounting of the charges, and they were informed that another unrelated company is pursuing the same debt. Their agent was rude on the phone and threatened to damage my credit if I didn't pay, and they made the same threat by email. Their tactics are to threaten and intimidate. I provided them with a "zero balance due" accounting summary from the original service provider and they ignored it.

      Business Response

      Date: 06/09/2025

      Just purchased this account from Brinks....sending validation. Consumer should receive validation of account within 30 days.

       

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

       

      Thanks, 

      Zions Debt Holdings 

      Customer Answer

      Date: 06/09/2025



      Complaint: 23411351



      I am rejecting this response because:  ZIONS' proposed timing of 30 days for me to receive their response is unacceptable, as they threaten (in writing) to report a delinquent payment to credit bureaus within that period.  According to ZIONS, I have only 30 days to resolve this matter.  Also, there are other facets to my complaint that ZIONS has failed to acknowledge or respond.  ZIONS' claim is duplicate to another claim for the same debt held by another company.  I cannot be beholden to two unrelated collection companies for the same debt.  Finally, there's the matter of unsubstantiated fees and interest.  If ZIONS claims it "just purchased this debt from Brinks," how is it that I've accumulated interest and fees that have more than doubled the original amount?  How is that possible?  I have requested an accounting, which ZIONS has not provided.



      Sincerely,



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

      Business Response

      Date: 06/10/2025

      Just purchased this account from Brinks....sending validation. Consumer should receive validation of account within 30 days.

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

      Thanks, 
      Zions Debt Holdings 

    • Initial Complaint

      Date:05/28/2025

      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.
      not sure what s the base for the claim that i owe them any money.

      my tenant had an account with Brinks home security few years ago and they have closed the account when they left the rental property.

      i had nothing to do with this account in any case it was cloded

      Business Response

      Date: 06/02/2025

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


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

      In his/her complaint, **** explains that this is not his/her account but its a tenant.
      After our investigation on this account...It has been determined that the
      account is valid. The contract that we have has ****'s personal information on it.


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

      Sincerely,

      Zions Debt Holdings, LLC

      Customer Answer

      Date: 06/02/2025



      Complaint: 23387673



      I am rejecting this response because:

       

      the accountbwas canceled according to all business steps set bybthe provider.

       

      please provide any supporting evidence to the contrary 



      Sincerely,



      **** *****

      Business Response

      Date: 06/09/2025

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


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

      In his/her complaint, **** explains that this is not his/her account but its a tenant. After our investigation on this account...It has been determined that the account is valid. The contract that we have has ****'s personal information on it.

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

      Sincerely,

      Zions Debt Holdings, LLC

      Customer Answer

      Date: 06/10/2025



      Complaint: 23387673



      I am rejecting this response because:



      Sincerely,



      **** *****

      Customer Answer

      Date: 06/11/2025

      No document or proof was presented by Zion to show my connection to this debt.

       

      any original Brinks accounts and subscriptions were closed many years ago, without proof, their claim is not more than an attempt in phishing  

      Business Response

      Date: 06/16/2025

      To Whom It May Concern,

      Zions Debt Holdings has reviewed the information provided by **** ***** and appreciate the opportunity to respond. The account was not set up under the tenants name. We will send you a copy of the contract to the email address you have provided. Your current balance owed is $139.46. Pay online at ********************* with account# **********. If you pay off the account, we offer full deletion from the credit bureaus. If you have further questions or concerns regarding this response, please respond to either our mailing address: PO Box *** ******* ***** *****, or phone number: ************.

      Sincerely, Zions Debt Holdings, LLC

      Customer Answer

      Date: 06/17/2025



      Complaint: 23387673



      I am rejecting this response because:

      Again, Zions Debt Holdings, LLC are not able, willing to provide any legal document showing that I owe them or any company that they claim to represent any past dues, fees, membership fees etc.

       

      Ant dealings that I had in the past with Brinks home security were cancelled, closed and there should be no pending owed fees.

      Zions Debt Holdings, LLC will need to provide proof, and they are unable to do so as this is a predatory approach of lets try to intimidate and see if we can extort.





      Sincerely,



      **** *****

      Business Response

      Date: 06/24/2025

      To Whom It May Concern,
      Zions Debt Holdings has reviewed the information provided by **** ***** and appreciate the opportunity to respond. The account was not set up under the tenants name. We will send you a copy of the contract to the email address you have provided. Your current balance owed is $139.46. Pay online at ********************* with account# **********. If you pay off the account, we offer full deletion from the credit bureaus. If you have further questions or concerns regarding this response, please respond to either our mailing address: PO Box *** ******* ***** *****, or phone number: *************
      Sincerely, Zions Debt Holdings, LLC

    • Initial Complaint

      Date:05/27/2025

      Type:Product 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.
      Im filing this complaint in conjunction with a brinks complaint. Zions debt holding purchased a non existing debt from brinks in my name. Neither company communicated until it was on my credit report. Sounds like they are doing business without a license. Will seek legal action if not resolved.

      Business Response

      Date: 06/03/2025

      Account has been resolved and closed

      Customer Answer

      Date: 06/09/2025



      Complaint: 23380618



      I am rejecting this response because:

       

      no action has been taken and zions has stopped comunicating.



      Sincerely,



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

      Business Response

      Date: 06/10/2025

      Account has been resolved and closed

      Customer Answer

      Date: 06/15/2025



      Complaint: 23380618



      I am rejecting this response because: 

      No action has been taken on Zions part. My account is still active and reporting to credit.  No communication on Zions part. I have reached out to my states Attorney General, as Zions does not have a license to collect debt in this state. I suggest anyone reading this should do the same. Check if they have a license and contact your Attorney General if not. 


      Sincerely,



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

    • Initial Complaint

      Date:05/25/2025

      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 actually don’t know who this company is as I have been paying off my bills regularly. I’m trying to get my credit score up which I have been doing and I just got an email from this saying that I owe money and I don’t know who it’s too. The only thing that I can think of that it might be brings alarm systems of which I had an account but canceled three or years ago because I was not happy with it. I’m not gonna pay for something that I was not happy with and thought it was taken care of. That’s the only problem that I see and I’ve corresponded with the company I believe the last time was last year. I had all of the equipment removed from in my house.

      Business Response

      Date: 06/02/2025

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


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

      In her complaint, ***** explains that this is not know what this account is.
      After our investigation on this account...It has been determined that the
      account is valid. ***** knows exactly what this account is....She has reached out to our and has spoke with our reps. If ***** has further questions she can call our office again.


      ***** may contact ZDH representatives directly should 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: ** *** *** ******* ***** ****** ** ***** ******* ************

      Sincerely,

      Zions Debt Holdings, LLC

    • Initial Complaint

      Date:05/23/2025

      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 i requested

      Business Response

      Date: 06/02/2025


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

      In his complaint, ***** explains that this is not his account.
      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: ** *** *** ******* ***** ****** ** ***** ******* ************

      Sincerely,

      Zions Debt Holdings, LLC

    • 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

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

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

    Why choose a BBB Accredited Business?

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.