Consumer complaint received 2023-07-31
Company: Zions Debt Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, Reference # I attempted to get this fraudulent derogatory item deleted from my credit report, but Zion Debt Holdings XXXX replied with a fraudulent document containing my signature with numerous errors from the spelling of names to the grammatical errors. I'm an intelligent, well educated man possessing fine penmanship and grammar skills. I do not recognize the writing on this single page contract and I surely didn't fill it out, appearing to sign my name one way and printing my last name as another ( XXXX ) and then crossing it out. Also, why would my son appear to sign his name with the correct spelling and then print his own name incorrectly? 

Can someone please address these questions? 

This is fraud! 

Again... remove this item from my credit report. 
I don't owe these people anything. 

Zion Debt Holdings LLC practices the same unethical business ethics as XXXX. I sent you info on Zion, please see info below concerning XXXX. 

Updated Lawsuit : XX/XX/XXXX Vivints sales staff stole peoples personal information to approve others for loans, said XXXX XXXX, Acting Director of the FTCs Bureau of Consumer Protection. For misusing consumer credit reports and other sensitive data, and harming peoples credit, this company will pay {$20.00} XXXX. 

Another Updated Lawsuit : Judgment was rendered on XXXX XXXX as a jury awarded XXXX XXXX more than {$180.00} XXXX in damages in a deceptive sales practice lawsuit against XXXX XXXX XXXX. 

Originally filed in XXXX, the lawsuit went to court early in XXXX accusing XXXX of false and deceptive sales practices on the doorsteps and in the homes of significant numbers of XXXX customers  across the XXXX in an effort to take over their alarm systems. 

While were thrilled the trial ended in our favor, I want to be clear that this case is not just about XXXX XXXX, XXXX XXXX XXXX and Founder XXXX XXXX said in a statement issued by the company. We believe that for at least 15 years, XXXX has been taking advantage of vulnerable people across the country through deceptive, misleading, and flat-out false practices. I hope todays verdict will stop their deception for good. 

The lawsuit accused the XXXX XXXX of using false or misleading information to acquire CPIs customers and lock them into high-priced, multi-year finance and monitoring contracts with them. 

XXXX XXXX XXXX reached out to XXXX XXXX XXXX for comment on the judgment rendered in the lawsuit and received the following reply : We are extremely disappointed with the jurys decision, which we believe is not legally or factually supported. Furthermore, the amount of damages awarded are egregious and completely disconnected from the total economic impact of any activity that XXXX claims to have occurred with respect to this matter. We intend to file an appeal, pursue all legal options available to us and continue to defend ourselves vigorously. 

XXXX added, We remain committed to operating with the highest standards of integrity and delivering exceptional service to customers. 

XXXX has been under fire from multiple sources recently with XXXX filing their own lawsuit against the company earlier this year for patent infringement against XXXX claiming the companys success has been due to the use of XXXX trade secrets and patented technology. XXXX agreed to a settlement of {$10.00} XXXX in XXXX for similar claims made by XXXX, and The Department of Justice fined XXXX {$3.00} XXXX in XXXX for making false statement to customers. 

I just want my hard-earned credit worthiness reinstated! So far they have placed ( 5 ) late payments on my credit report... destroying my credit worthiness!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation