Total CFPB complaints
42
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 42 complaints
ZIONS BANCORPORATION — Debt Collector Complaint Profile
CFPB complaint profile across 11 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about ZIONS BANCORPORATION
- Attempts to collect debt not owed
Attempts to collect debt not owed
8 complaints
- Written notification about debt
Written notification about debt
7 complaints
- False statements or representation
False statements or representation
7 complaints
- Disclosure verification of debt 3
Disclosure verification of debt
3 complaints
- Took or threatened to take negative or legal action 2
Took or threatened to take negative or legal action
2 complaints
- Communication tactics 2
Communication tactics
2 complaints
C
Grade C · 62.3/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about ZIONS BANCORPORATION?
ZIONS BANCORPORATION has accumulated 42 total CFPB complaints across 11 states, with 1 filed in the most recent 12 months against 41 historical complaints before that window. The trailing-12-month volume represents 2.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 29% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 11 states, led by Utah with 9 and Texas with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 62.3/100 places ZIONS BANCORPORATION in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
2.4% of total history
Rising ↑
States active
11
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
29%
After company response
Reputation grade
C
62.3/100 composite
Response-quality profile
How ZIONS BANCORPORATION performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 57.1%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 19.6%
Share of US states + territories with at least one filed complaint against this collector.
How does ZIONS BANCORPORATION compare to its peers?
ZIONS BANCORPORATION National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2017-06 2025-12
Top Consumer Issues
Written notification about debt7 (%)
Attempts to collect debt not owed8 (%)
Disclosure verification of debt3 (%)
False statements or representation7 (%)
Took or threatened to take negative or legal action2 (%)
Communication tactics2 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 7 |
| Attempts to collect debt not owed | Debt is not yours | 4 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Took or threatened to take negative or legal action | Sued you in a state where you do not live or did not sign for the debt | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| False statements or representation | Impersonated an attorney or official | 2 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 2 |
| False statements or representation | Indicated committed crime not paying | 2 |
Where do complaints against ZIONS BANCORPORATION come from?
The states where consumers have filed the most CFPB complaints against ZIONS BANCORPORATION. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against ZIONS BANCORPORATION
Across 11 states with at least one filing
- Utah
Utah
9 complaints
- Texas
Texas
7 complaints
- Arizona
Arizona
7 complaints
- Colorado
Colorado
5 complaints
- California
California
5 complaints
- Idaho 2
Idaho
2 complaints
- Nevada 2
Nevada
2 complaints
- New Mexico 1
New Mexico
1 complaints
Frequently Asked Questions
What is the most common complaint against ZIONS BANCORPORATION? ▼
The most common issue consumers report about ZIONS BANCORPORATION is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 42 complaints filed with the CFPB.
Are complaints against ZIONS BANCORPORATION increasing or decreasing? ▼
Complaints against ZIONS BANCORPORATION are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is ZIONS BANCORPORATION's reputation grade? ▼
ZIONS BANCORPORATION has a reputation grade of C (score: 62.3/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does ZIONS BANCORPORATION respond to consumer complaints? ▼
ZIONS BANCORPORATION has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 29% of cases.
In how many states does ZIONS BANCORPORATION operate? ▼
ZIONS BANCORPORATION has received CFPB complaints from consumers in 11 states, with the most complaints from Utah (9 complaints).
What can I do if ZIONS BANCORPORATION is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If ZIONS BANCORPORATION violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |