Consumer complaint received 2021-08-17
Company: ZIONS BANCORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
The company has used illegal and abhorrent intimidation and collection practices. Producing false court documents and using threatening tactics to force me to comply with an unreasonable and impossible task, then admitting those things were false and agreeing to a settlement then quickly going back on this agreement and resorting to their previous tactics. This entire process escalated in XXXX when I was attempting to work with XXXX XXXX on a closed credit card account that was being placed with Vectra Banks internal collections department, which in itself is a disgusting practice of these conglomerates forcing people into a corner because of their business structure and no care for an individual and their circumstances. They were unwilling to set a reasonable payment plan or accept any payments, again another disgusting practice forcing me to not be able to pay unless it was in full, they demanded payments higher than my original credit card payment and after becoming divorced and the sole care giver of XXXX children and our family being forced to near homelessness, they were still unwillinging to be understanding or offering of any assistance to pay off the debt. Then began the false court documents, claiming they had served me for a court date in an entire other state and were contacting my employer for garnishment, when in reality no one had contacted me, nothing had gone through my employer, and no motions were made with the court that could be provided to me with documentation. I had not even been contacted in response to my requests. From here in XXXX after becoming homeless with my children, I attempted to reach the person in charge of my case for approximately 4 months, only being contacted after i started calling multiple local Utah branches, without response and the other employees were unwilling to assist me because they stated that she had it noted that she sent it 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-Valdez, turns out she was out of the office for over a year and no one let me know but somehow these threatening practices were taking place despite her being the only one that was supposedly allowed to help me. Then 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. After being homeless shortly after I was no longer employed with the pandemic I submitted my request and XXXX must have completely forgotten our at length conversations where she was agreeable and almost understanding and 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. And that the amount was totaling over {$9000.00} and they were not willinging to work with me at all on this debt and still unwilling to accept small payments. The debt has no way of being paid on because the bank itself has denied me that right even if I was capable but has also used their deceptive business practices to manipulate a situation that is not benefiting either of us. I have attempted for the last 6 years to reach resolution with this debt, my financial situation does not allow me to bend at their very demands, like most other Americans with crippling credit card debt, and in the face of a global pandemic that has made our situation even more difficult. They have still been unwilling to respond or resolve these issues or debt and every time I attempt to or file a complaint I am met with retaliatory tacitics in response.

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