Consumer complaint received 2020-12-15
Company: ZIONS BANCORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I have had an ongoing dispute with this bank/credit card holder. The debt of the credit card was left to me after a XXXX settlement and the collections refused to let me apply for low income repayment options because it was a cosigned card and then when they stated they would allow me to apply and I did, they stated it was too late and that they had already filed it into collections and were int he process of filing a lawsuit in Utah where the bank is based, this was starting in XXXX and I spoke to XXXX XXXX. Throughout the last XXXX years, XXXX has harassed me constantly, calling multiple times a day every day. Even during this process when I explained I was unemployed, the only primary care giver for my children, and even homeless and they were unwilling to work with any sort of affordable repayment option and threatened to call my employer to begin garnishment, and to further impact my credit since I wouldn't pay the amount they were demanding. Then in XXXX, I received a letter at my new address stating I hadn't responded to a lawsuit that was filed in Utah, which I had never been made aware of or contacted in any form whatsoever. I attempted to reach the person in charge of my case for approximately 4 months without responses and other employees were unwilling to assist me because she had sent into into suit and they stated there was nothing that could be done by anyone except for her. After trying to find resolution after all of this time, I finally was able to contact XXXX XXXX XXXX after her sending me threatening messages demanding I contact her by a certain date and her not returning any of my calls, she stated they would accept the principal amount due on the card, totaling {$5500.00} or a settlement offer with a letter of my circumstances towards this amount to clear the debt. When I was no longer employed with the pandemic I submitted my request and XXXX told me then that they were unwilling to accept anything less than {$7000.00} and that was a temporary offer as they were considering my debt to still be collecting interest opposite of our previous agreement. They continue to threaten me with negative impacts every time I reach out to try to find resolution with them and are unwilling to resolve the issues. They state there is no court documents filed but when I speak to different people with the company they use their threats of litigation or supposed current litigation to bully me into agreeing on a full payment of the full debt, which is unreasonable and not what was agreed to. They have used predatory practices and every-time I attempt to settle with them, they report my payments as delinquent for the next 3 months but if I do not contact them, they do not report this. The company is using manipulative tactics to scare and terrorize customers like myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation