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 Local Branches.

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  Zions Debt Holdings, LLC - Collection Agency

  PO Box 878 Spanish Fork, UT 84660-0878

• 

  Zions Debt Holdings, LLC - Collection Agency

  299 E 950 S Orem, UT 84058-5004

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:04/09/2023

  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.

  Iam not liable for this debt through zions debit holdings I do not have a contract with Zions debit holdings I demand for this to be removed from my credit report.

  Business Response

  Date: 04/10/2023

  Vivint Account #: *********
  
  
  To Whom It May ******** 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 *******'s personal information and signature on it. ******* has had ample opportunities to respond and get this account resolved. ******* has not responded to any letters or phone calls made by the original creditor. The account was sold off and now ZDH owns it and again ******* is not responding to letters or phone calls. He is claiming something is not his but wont respond to any form of communication. We have a contract and acceptance of goods that he signed. If ******* has questions regarding this account we can assist him. We are willing to settle for $1,600.00 in one payment and offer deletion of debt from our records and the credit bureaus.
  
  ******* 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: PO Box 878 ************, *****, or phone number: ************
  
  Sincerely,
  
  Zions Debt Holdings, LLC

  Customer Answer

  Date: 04/10/2023

   
  Complaint: 19914452
  
  I am rejecting this response because:I do not owe the debit collection agency I never signed any contract with them I have never gotten anything from them they has never gave me anything therefore no such debt exists.
  
  Sincerely
  
  *************************

  Business Response

  Date: 04/13/2023

  Hi *******,

  Your account is valid. We can provide you with whatever documentation you need. During the investigation processes.

  Vivint has told ZDH that they have a recorded survey that you took in order to get this alarm system installed. If you want the survey....Vivint has requested that you call in and get it yourself.

   

  If you have any more questions please feel free to call our office....************

   

  Thanks,

  Zions Debt Holdings, LLC

  Customer Answer

  Date: 04/13/2023

   
  Complaint: 19914452
  
  I am rejecting this response because:You are unable to present evidence to back your claim
  
  Sincerely,
  
  *************************

  Customer Answer

  Date: 04/13/2023

   
  Complaint: 19914452
  
  I am rejecting this response because:You are unable to present evidence to back your claim
  
  Sincerely,
  
  *************************

  Customer Answer

  Date: 04/13/2023

   
  Complaint: 19914452
  
  I am rejecting this response because:You are unable to present evidence to back your claim
  
  Sincerely,
  
  *************************

  Customer Answer

  Date: 04/13/2023

   
  Complaint: 19914452
  
  I am rejecting this response because:You are unable to present evidence to back your claim
  
  Sincerely,
  
  *************************

  Customer Answer

  Date: 04/13/2023

   
  Complaint: 19914452
  
  I am rejecting this response because:You are unable to present evidence to back your claim
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:04/07/2023

  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.

  We are disputing a bad credit claim from Zions, a third party debt collector trying to collect a debt they say originated with Monitronics/Brinks alarm company. Monitronics/Brinks serviced our home alarm for 15+ years. In ****, we signed a 3 year contract & when it expired we continued month to month service. In those years, we never missed a payment. In October 2019, our alarm malfunctioned & we had no alarm system. We called them several times about the malfunction & set up an appointment to have the system fixed but the alarm company did not show or even bother to call. We then called a second time to set up an appointment. The customer service rep was very rude to us. They set it for October 31, from 4:00 to 8:00PM which was Halloween, we thought she was lying but still waited at the specified time period and, again, they did not show or call. This was our home alarm *********** were victims previously of a burglary and vandalism of this home, we had a right to be upset about not having an alarm for a month and for them to rectify the situation in a timely manner.On November 1, 2019, we, again, called customer service to complain about their second non show and cancel our account. We spoke to ****** who us we had to pay $373.87 to disconnect our service. We informed her the service they supposedly were providing had not worked in a month so we did not need to pay a disconnect charge as it was already disconnected from their system by the malfunction. At no time did ****** say the charge was for a contract obligation as Zions is stating.The alarm company was not fulfilling their part of our agreement by not being able to provide us with a functioning system. We tried twice to get this rectified but they were not willing or able to fix this serious problem. We do not owe any money to the alarm company and Zions is trying to collect by intimidation of putting this on our credit report. We want Zions to drop the charges against us and clear up our credit report.

  Business Response

  Date: 04/10/2023

  Monitronics Account #: *********
  
  
  To Whom It May ******** Zions Debt Holdings has reviewed the information provided by ******************* and appreciate the opportunity to respond.
  
  In her complaint, **** explains that her alarm system stopped working and that she scheduled a tech to come out and fix it.After our investigation on this account...the original creditor sent a tech to the home and no one was home. Monitronics would have fixed the account and continues to fix peoples alarm systems that have a problem. They have policies in place to accommodate a system that stops working. It is the consumers responsibility to get the system fixed and get refunded for any months of down time. The contract that we have and that **** signed discloses that the agreement will auto new from year to year not month to month. ZDH doesn't appreciate getting a BBB complaint for something out of their control. We are willing to work with **** if she wants to call into our office to resolve the account.
  
  *************** 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: PO Box 878 ************, *****, or phone number: ************
  
  Sincerely,
  
  Zions Debt Holdings, LLC

  Customer Answer

  Date: 04/16/2023

   
  Complaint: 19907321
  
  I am rejecting this response because:

  In Zions response, they stated the contract became year-to-year after the initial 3 year period. In paragraph 3 of the contract Service Fees and Term of Agreement, it states During the renewal period, customer may cancel the Agreement upon (30) days prior written notice.  We gave a 30 day written notice on November 1, 2019. 
  Their response about the lack of service was that a tech came but no one was home.  There were two set appointments which we set up with their customer service center and we agreed to be home at those times so the tech could access the alarm; but they failed to show both times.  When their customer service department set up these two appointments with us, it is reasonable to believe they would come during the 4 hour time period or call if they were to be delayed.  As one of the appointments was Halloween evening, we were highly skeptical that they would show, and even reiterated with the customer service agent of the date and time,but were assured it was our appointment time. They did not show.  We were there well before and after the 4 hour scheduled appointments and still no call - no show. Not even a phone call with an explanation, nor was there a follow up call with any of the following: 1) sorry we could not make it; 2) how was your service; 3) we are sorry we missed you, we were there but we could not contact you.
  Since we first notified Brinks we were cancelling service, and they stated we would need to pay all fees they deem still due, we have asked for proof that we owe money. We have never been given that proof. Had we been given concrete evidence that we owed money, we would have promptly paid as we did for 14 years.  We have now given proof through their contract clause 3, where, after 3 years of service, our contract was fulfilled and we gave the required 30 day notice of cancellation. We would like to see their proof and Zions simply stating it is true because they say so is not proof. 
  
   We want these unsubstantiated charges dropped and our credit report cleared.
  
  Sincerely,
  
  *******************

• Initial Complaint

  Date:04/02/2023

  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.

  In 2019 I started using Vivint security, in 2020 when Covid started I lost my job I have to put my house up for sell, which i sold the house in July 2020 before then I called Vivint security to cancel the subscription because I don’t have a house , no money for me to continue the service but they keep on turning be around only for me to receive a letter from Zions debt collection on the feb 2023 that I’m owing Vivint 1,800 dollars. I tried to call them to explain myself the staff started yelling at me and threatening me they will send it to credit union and mess up my credit. That i should give him my card number so he will set me up on monthly payment or he will send it to credit union . I told them to send the contract the one withmy signature on it . But they send me a contact that they print my name on .

  Business Response

  Date: 04/03/2023

  Vivint Account #: **********
  
  
  To Whom It May Concern, Zions Debt Holdings has reviewed the
  information provided by ***** ******** and appreciate the opportunity to
  respond.
  
  In her complaint, ***** explains that she can not afford this account.
  After our investigation on this account...It has been determined that the
  account is valid. The contract that we have has *****'s personal information and signature on it. We sent ***** the contract that she signed with Vivint Smart Home. ***** called into our office and one of our reps bent over backwards to help her resolve this account and set up a payment plan. She has decided not to set up a payment plan. When she made that decision the rep she was speaking with notified her that this will end up on her credit report without resolving the account appropriately. We are willing to settle this account in one payment for $1,000.00. If the account is settled....We offer deletion of debt from our records and the credit bureaus.
  
  ***** 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: ** *** *** Spanish
  Fork, 84660, or phone number: ###-###-####
  
  Sincerely,
  
  Zions Debt Holdings, LLC

• Initial Complaint

  Date:03/28/2023

  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.

  While checking my credit report, I discovered a negative **** from an unfamiliar company. I learned that Zions Debt Holdings was responsible for this ****. I contacted them to understand the reason behind this action on my credit and found out that it was due to an unpaid bill from my ex-wife's previous residence five years ago, which they were now pursuing.I informed the agent and their supervisor that my ex-wife was accountable for the charges, and provided the divorce decree which required her to take responsibility for the bill. However, they disregarded my explanation, insisting that they would collect the money from me, and I should deal with her directly.Regarding their efforts to contact either of us before adding negative re****s to our credit, they mentioned sending a letter to her home address but made no other attempts despite having ample contact information, including phone numbers.Their website states that they specialize in home security debt, which implies they should have anticipated that the address they used for the notice might no longer be valid. The manager's response to this concern was that they tried to contact the consumers using the address on file, and then waited for the consumers to reach out when ready to pay the debt.This strategy seems more focused on prolonging the time between acquiring the debt and accumulating interest while waiting for someone to notice the negative **** on their credit. As someone working in the service industry, I am astonished by the poor treatment this company provides. If I were the security company using their services, I would be ashamed of their practices.It is worth noting that the original security company also did not attempt to contact either of us during the five years they claim the debt has been outstanding. I'm not disputing that my name was on the original contract, but human consideration rather than bully tactics would be what I would have expected from any business.

  Business Response

  Date: 04/03/2023

  Monitronics Account #: **********
  
  
  To Whom It May ******** Zions Debt Holdings has reviewed the information provided by *********************** and appreciate the opportunity to respond.
  
  In his complaint, **** explains that this is his account but thinks his wife is responsible for the account because of the divorce decree. The divorce decree is between two individuals and not the original company (Monitronics). If **** wants to resolve this account he can call his ex wife and have her pay or he can pay it since both of them are on the contract. .After our investigation on this account...It has been determined that the account is valid and **** and ******** are both responsible for this account.

  The contract has ****'s personal information and signature. **** requested validation and validation was sent out on 03/24/2023. We are willing to settle for $250 in one payment and offer deletion of debt from our records and the credit bureaus.
  
  *************** 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: PO Box 878 ************, *****, or phone number: ************
  
  Sincerely,
  
  Zions Debt Holdings, LLC

• Initial Complaint

  Date:03/23/2023

  Type:Billing Issues
  Status:

  ResolvedMore 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've attached notifcation below sent to this agency after being contacted via a text message 3 months after they apparently posted inaccurate data on my Credit report I asked immediately to be provded an email to communcate and a debt validation letter which to date naver has been received in vilation to
  
  15 U.S. Code § 1692b - Acquisition of location information
  
  (1)identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer;
  (2)not state that such consumer owes any debt;
  (3)not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information;
  (4)not communicate by post card;
  (5)not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and

  Business Response

  Date: 03/24/2023

  Monitronics Account #: **********
  
  
  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 he received 3 text messages and the account wasn't validated.
  After our investigation on this account...It has been determined that the
  account has been validated numerous times . The contract that we have has ****'s personal information and personal signature. He knows what this debt is for and keeps disputing after the debt has been validated. 
  
  **** 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: ** *** *** Spanish
  Fork, 84660, or phone number: ###-###-####
  
  Sincerely,
  
  Zions Debt Holdings, LLC

  Business Response

  Date: 04/03/2023

  ****....this account is not with Perx! This account is with Monitronics. We have sent out validation of this account on 03/29/2023. Your account is valid. If you have questions please call our office. ###-###-####

  Customer Answer

  Date: 04/04/2023

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  **** **********
  

• Initial Complaint

  Date:03/23/2023

  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.

  This company is trying to collect on a debt from NINE YEARS AGO. I had an alarm system from a company that was in a class action lawsuit. The account was closed, I received a settlement and the account was closed. The company was bought by Brinks and now they are still harassing me for a debt that is not valid. It is being bounced from one agency to another and I dont understand how they can do this for a supposed debt from NINE YEARS AGO. How can they keep harassing a disabled senior citizen is beyond me.

  Business Response

  Date: 03/23/2023

  onitronics Account #: **********

   

  To Whom It May ******** Zions Debt Holdings has reviewed the information provided by ******************* and appreciate the opportunity to respond. Zions Debt Holdings now owns this account and has since 11/01/2022.

  In her complaint, **** explains that this is not her account. After our investigation on this account...It has been determined that the account is valid. The contract that we have has ****'s personal information. **** has requested multiple validation requests from other companies and has received validation. **** knows this account is valid. The alarm system was installed on 02/20/2015 and cancelled due to non payment on 09/23/2016. The debt is not 9 years old and can still be collected on. If you want to settle your account please call our office and one of our reps can offer you a discount.

  *************** 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: PO Box 878 ************, *****, or phone number: ************ Sincerely, Zions Debt Holdings, LLC

• Initial Complaint

  Date:03/19/2023

  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 got an collection letter form them then I asked for validation but i never signed a contract with yall. Next i call but the person on the phone with me was very rude and hung up on me. next I went to NMLS consumer access several times and put the company info in and nothing is coming up for this coming. since nothing is coming up for this company they are not allowed to collect from me in my state. I have already sent a letter to my attorney general about this situation.

  Business Response

  Date: 03/20/2023

  Monitronics Account #: **********
  
  
  To Whom It May Concern, Zions Debt Holdings has reviewed the
  information provided by ***** ******* and appreciate the opportunity to
  respond.
  
  In her complaint, ***** explains that this is not her account.
  After our investigation on this account...It has been determined that the
  account is valid. The contract that we have has *****'s personal information that is unique to her. ***** has requested multiple validation requests from other companies and has
  received validation. The latest was send on 02/10/2023. ***** has made payments on this account the last payment for this account was on 11/01/2021 of $100.00. ***** has a balance of $783.97 remaining. ZDH is willing to work with ***** and are willing to settle this account. 
  
  ***** 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: ** *** *** Spanish
  Fork, 84660, or phone number: ###-###-####
  
  Sincerely,
  
  Zions Debt Holdings, LLC

  Customer Answer

  Date: 03/20/2023

   
  Complaint: 19621495
  
  I am rejecting this response because:
  
  Sincerely,
  
  *************************

  How do you know what that i sent other validations to other companies and tell that to BBB. WOW. yall just violated my rights. That you for this information

  Customer Answer

  Date: 03/20/2023

  I asked yall to send me proof that yall are licensed in my state to collect a debt. I don't see why this is so hard to answer

• Initial Complaint

  Date:03/07/2023

  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.

  This account is five years ago when I sign up with Brinks security service. The contract stated three years I decided to cancel out after four years doing that time ,they told me that I need to pay for canceling early. Our contract was for 36 months only. Now after they delete it from my account about four years ago. They had add another debt collector which hurt our credit. My complaint is that they added my husband (*********************)to the collection. He never sign any contracts. We have always paid on time never tried to be dishonest. Now we cant even retire in peace.

  Business Response

  Date: 03/08/2023

  Monitronics Account #: **********
  
  
  To Whom It May ******** Zions Debt Holdings has reviewed the information provided by *********************** and appreciate the opportunity to respond.
  
  In her complaint, ****** claims it was a 36 month contract....It was a 60 month contract that she signed and that ***** signed as well. The cancel date was 01/13/2020 for non payment. After our investigation on this account...It has been determined that the account is valid. The contract that we have has ******'s and *****'s signatures and personal information on it. ****** has disputed this and this account has been validated more than once. The latest was sent on 02/14/2023. ****** has received offers to settle her account. We are willing to work with ****** and ***** to settle this account.
  
  ****** or ***** 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: ******************************************, or phone number: ************
  
  Sincerely,
  
  Zions Debt Holdings, LLC

• Initial Complaint

  Date:02/17/2023

  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 Zions Debt Holdings LL and do not have a contract with Vivint. This company has not reached out to me via mail/ email/ phone call to address this debt or to provide me with the original application.

  Business Response

  Date: 02/21/2023

  Vivint Account #: *********
  
  
  To Whom It May ******** Zions Debt Holdings has reviewed the information provided by ********************* and appreciate the opportunity to respond.
  
  In her complaint, ***** explains that this is not her account and she is not liable.After our investigation on this account...It has been determined that the account is valid. Ebony has a contract with Vivint. The contract that we have has *****'s personal information on it. Ebony has requested multiple validation requests from other companies and has received validation. The latest was sent on 11/18/2019. ***** has continued to dispute the debt even thought it has already been validated. We are willing to discuss possible settlement options and offer deletion of debt from our records and the credit bureaus.
  
  Ebony 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: ******************************************, or phone number: ************
  
  Sincerely,
  
  Zions Debt Holdings, LLC