Consumer complaint received 2023-06-26
Company: Zions Debt Holdings
State: CA
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:
My name is XXXX XXXX. 
I had a 3-year contract with Protect XXXX for security monitoring service between XXXX and XXXX, and thereafter continue the service on a month-to-month basis till XXXX without defaulting on my account. When the service no longer serves the purpose intended, I canceled the service. 

I had a conversation with Zions Holdings representative ( XXXX XXXX ) on why XXXX XXXX XXXX asked them to collect a debt of {$440.00} from me since I did not have any service with XXXX. XXXX XXXX from Zions Holding affirmed XXXX transferred the account to XXXX. I asked for the contract agreement, default statement history, and proof of service from XXXX. She sent the contract agreement and default statement from XXXX. I asked why XXXX would not provide the official proof of service in its name since they claimed to have provided the service after the account was transferred to them. They could not provide the official default statement on the name of XXXX but provided some documents from XXXX ( Refer to the attached documents ). I further asked if XXXX is a financial firm that purchased bad debt and collect on behalf of XXXX since they could not provide the proof of service or XXXX official defaulting statement. 
According to Default / Termination Agreement XXXX XXXX and XXXX of the terms and conditions : 9.1 If Customer defaults with respect to payment of Monthly Monitoring Fees more than two ( 2 ) times in any calendar year, or monthly monitoring fee becomes sixty ( 60 ) days past due, then Customer agrees that XXXX may terminate service and the remaining applicable balance of the Agreement will be immediately due and payable ( Refer to the attached document page XXXX of XXXX ) XXXX Default / Termination. If Customer is in default of this Agreement for failure to pay any fees, charges or other amounts when due, or failure to perform any of the other Customer Obligations under this Agreement, and such default continues for ten ( 10 ) days after XXXX gives Customer written notice ( Refer to the attached document page XXXX of XXXX ) I did not default on my account for 6 to 7 years I was with XXXX and if I default PAI or Blinks should have canceled the account after 2 consecutive defaults. But according to the default statement history ( refer to the attached customer billing history ) did not cancel the account even after 6 months of continuous default or give the customer written notice after XXXX ( XXXX ) days of defaulting, despite not receiving any service from XXXX within the specified period. But in this case, they never sent me a written notice. I cant fathom the logic behind this action. When Zion Holdings would furnish the bill with XXXX 's name on it, they sent the bill with a service address that belong to someone else. Currently, Zion Holdings put a negative report on my credit. Any attempt to resolve this issue with them is unproductive. Therefore, I want Consumer Financial Protection Bureau to look into this matter so they don't continue to threaten consumers and also damage consumers ' reputations.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation