Debt collector · complaint record
Zions Debt complaints
Filed under Zions Debt Holdings
Consumers have filed 1,722 complaints about Zions Debt since 2023, 640 of them in the last 12 months (+19% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Average response record. How it works
- Complaints on record
- 1,722
- Last 12 months
- 640
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 35
- Rank
- #65 of 1,963
Since January 2023
+19% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 10, 2026
Most complained-about debt collectors
Zions Debt complaints by month
The busiest month was January 2026 (68 complaints). Complaints in the last 12 months are up 19% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Zions Debt answered last 12 months
- Closed with explanation640100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend8/15+19% vs last year
What Zions Debt complaints are about
Top Zions Debt problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 437
- Debt was result of identity theft 137
- Debt was paid 75
- Debt was already discharged in bankruptcy and is no longer owed 16
Where Zions Debt complaints come from
Most complaints: Texas (455), Florida (171), Georgia (162), California (83), North Carolina (73).
Zions Debt compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Diversified Adjustment ServiceDebt collection | 54 | 683 | C |
| 2 | Contract CallersDebt collection | 45 | 678 | D |
| 3 | MRS BPODebt collection | 95 | 641 | A |
| 4 | Zions DebtDebt collection | 53 | 640 | C |
| 5 | Lendmark FinancialDebt collection | 8 | 629 | F |
| 6 | Synergetic CommunicationDebt collection | 41 | 624 | D |
| 7 | Army and Air Force Exchange ServiceDebt collection | 52 | 604 | C |
| 8 | The Receivable Management ServicesDebt collection | 52 | 585 | C |
Compare side by side: Zions Debt vs Diversified Adjustment Service · Zions Debt vs Contract Callers · Zions Debt vs MRS BPO · Zions Debt vs Lendmark Financial
What people say about Zions Debt
All experiencesNo experiences with Zions Debt yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Zions Debt complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 9, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 8, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 8, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 6, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 6, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 4, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 3, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Nov 3, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 3, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
Questions about Zions Debt
How many complaints does Zions Debt have?
Zions Debt has 1,722 complaints on record since January 2023, including 640 in the last 12 months and 35 in the last 30 days. That makes it number 168 of every company by complaints this year.
Does Zions Debt respond to complaints?
Yes. Zions Debt answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 53/100 (grade C).
What do people complain about most with Zions Debt?
The most common problems are attempts to collect debt not owed (665), took or threatened to take negative or legal action (257), written notification about debt (228).
Is Zions Debt legit?
Zions Debt is a real company with a public complaint record: consumers have complained about it 1,722 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Zions Debt legit? for the signals, red flags and how to protect yourself.
Are complaints about Zions Debt going up or down?
Up. There were 640 complaints in the last 12 months against 536 in the 12 before (+19%). See every month.
How do I file a complaint against Zions Debt?
Complain to Zions Debt in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Zions Debt complaints come from?
Most come from Texas (455), Florida (171), Georgia (162). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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