Total CFPB complaints
1,032
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 1,032 complaints
Zions Debt Holdings — Debt Collector Complaint Profile
CFPB complaint profile across 43 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Zions Debt Holdings
- Attempts to collect debt not owed
Attempts to collect debt not owed
523 complaints
- Written notification about debt 171
Written notification about debt
171 complaints
- Took or threatened to take negative or legal action 145
Took or threatened to take negative or legal action
145 complaints
- False statements or representation 96
False statements or representation
96 complaints
- Electronic communications 17
Electronic communications
17 complaints
- Communication tactics 14
Communication tactics
14 complaints
F
Grade F · 48.5/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Zions Debt Holdings?
Zions Debt Holdings has accumulated 1,032 total CFPB complaints across 43 states, with 468 filed in the most recent 12 months against 564 historical complaints before that window. The trailing-12-month volume represents 45.3% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", 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, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 43 states, led by Texas with 238 and Florida with 110, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 48.5/100 places Zions Debt Holdings in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
468
45.3% of total history
Rising ↑
States active
43
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
F
48.5/100 composite
Response-quality profile
How Zions Debt Holdings 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.
State coverage breadth 76.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Zions Debt Holdings compare to its peers?
Zions Debt Holdings 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed523 (%)
Took or threatened to take negative or legal action145 (%)
Written notification about debt171 (%)
False statements or representation96 (%)
Electronic communications17 (%)
Communication tactics14 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 346 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 145 |
| Attempts to collect debt not owed | Debt was result of identity theft | 111 |
| Written notification about debt | Didn't receive enough information to verify debt | 99 |
| False statements or representation | Attempted to collect wrong amount | 96 |
| Attempts to collect debt not owed | Debt was paid | 66 |
| Written notification about debt | Didn't receive notice of right to dispute | 60 |
| Electronic communications | You told them to stop contacting you, but they keep trying | 17 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 14 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 12 |
Where do complaints against Zions Debt Holdings come from?
The states where consumers have filed the most CFPB complaints against Zions Debt Holdings. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Zions Debt Holdings
Across 43 states with at least one filing
- Texas
Texas
238 complaints
- Florida
Florida
110 complaints
- Georgia 93
Georgia
93 complaints
- California 53
California
53 complaints
- North Carolina 48
North Carolina
48 complaints
- Missouri 35
Missouri
35 complaints
- Maryland 35
Maryland
35 complaints
- Tennessee 28
Tennessee
28 complaints
Frequently Asked Questions
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 1,032 complaints filed with the CFPB.
Are complaints against Zions Debt Holdings increasing or decreasing? ▼
Complaints against Zions Debt Holdings are rising. The company received 468 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: 48.5/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 (238 complaints).
What can I do if Zions Debt Holdings 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 Debt Holdings 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 |