What is the most common complaint against Zions Debt Holdings?

The most common issue consumers report about Zions Debt Holdings is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,199 complaints filed with the CFPB.

Are complaints against Zions Debt Holdings increasing or decreasing?

Complaints against Zions Debt Holdings are rising. The company received 511 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Zions Debt Holdings's reputation grade?

Zions Debt Holdings has a reputation grade of F (score: 46.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Zions Debt Holdings respond to consumer complaints?

Zions Debt Holdings has a 100% timely response rate to CFPB complaints.

In how many states does Zions Debt Holdings operate?

Zions Debt Holdings has received CFPB complaints from consumers in 43 states, with the most complaints from Texas (294 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Zions Debt Holdings - Debt Collector Complaint Profile

CFPB complaint profile across 43 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

600
Took or threatened to take negative or legal action

210
Written notification about debt

201
False statements or representation

121
Electronic communications

32
Communication tactics

29

Data updated September 2026

CFPB complaint disposition

CCDB record zions-debt-holdings Zions Debt Holdings

Grade F · 1,199 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #133 · compose #4468

VOL 1,199
GRADE F
12MO 511
STATES 43
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #133
COMPOSE #4,468

Volume peers

Nearest volume peer: Tenet Healthcare Corporation (1,196 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Zions Debt Holdings's 1,199 CFPB complaints sit next to Tenet Healthcare Corporation on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Steady monthly series

Texas is the plurality state for Zions Debt Holdings (24.5%)

Volume rank #133 and composite rank #4,468 diverge by 4,335 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 24.5%; Mid-band (15–30%) · 43 states with ≥1 filing
Even monthly load: Peak under 8%; Highest month 2024-10 at 7.7% (3 filings)
Divergent corpus ranks: #133 volume; #4,468 composite; Cleanest-composite ladder is 4,335 places worse than volume

How does Zions Debt Holdings compare to its peers?

How does Zions Debt Holdings compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Zions Debt Holdings National average

Complaints (last 12 mo)lower is better

511

268

Timely-response ratehigher is better

100%

88%

91%

Consumer-dispute ratelower is better

13%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-08 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	600
Took or threatened to take negative or legal action	210
Written notification about debt	201
False statements or representation	121
Electronic communications	32
Communication tactics	29
Threatened to contact someone or share information improperly	6

Where do complaints against Zions Debt Holdings come from?

Zions Debt Holdings's own per-state count, not a national baseline.

Texas

294
Florida

120
Georgia

109
California

57
North Carolina

54
Missouri

41
Louisiana

36
Maryland

36

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Zions Debt Holdings: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 1,199.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Zions Debt Holdings: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.