Consumer complaint received 2023-03-26
Company: Zions Debt Holdings
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Zions Debt Holding XXXX XXXX XXXX XXXX XXXX UT  XXXX XXXX www.zionsdebtholdings.com regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX I received a debt collection doc XX/XX/XXXX and sent it back to them ( Zion ) saying the debt shouldn't be valid, it's wrong, I dispute it and I wanted them to send me validation of the debt. I never received any documents from Zions debt holdings validating the debt they are saying I owe. I had protect america security monitoring services in XXXX I signed with them. They never said to me I could never get out of the monitoring contract ; they said they ask that I stay with them for three years. right off the bat that's deceitful. I wasn't aware that the company could be bought over by another and it was by a company that I did not like, XXXX. I called them right away and told them that I was not happy and dissatisfied they had bad reviews, I asked them if Im not happy I can leave because I didn't sign with them originally and I wasn't happy they said yes absolutely. why shouldn't there be an out clause since that was out of my control. I don't trust XXXX  and don't like the company and I told them that I was also having a hardship due to the pandemic. I am XXXX and lost help from a family member and was left with my one Small SSDI payment. I told them I wasn't going to stay and they had to close my account and I thought they did as my cameras stopped working. all my equipment went red and I thought that was because of them. later on I receive a collection notice from XXXX XXXX and XXXX and I went back and forth explaining my situation and told them to listen to the phone recordings from XXXX  and that they said I could close my account without a doubt. all of a sudden they stopped responding, I left messages, emails etc. a year went by and I get a new document in the mail from Zion Holdings. I explained my situation and sent all my paperwork to them showing and explaining that the other company stopped all correspondence and abandoned me, not the other way around. I told them the debt shouldn't be mine and it's unfair that the contract has no out clause when being bought over but XXXX didn't have an issue with me leaving ; but I would try and negotiate and pay small amounts totaling 150 to XXXX XXXX and XXXX, I never received a response from them. over a year passed and now Zion sends me a paper saying I owe the debt, I ask for validation by sending the document they sent me but I never receiving anything from them. I thought by law they need to send that to me? I sent them all my correspondence from the previous debt firm and they just basically ignored the fact that I said the debt is incorrect and disputed and XXXX closed my account and that I'm XXXX, Im struggling and I am on SSDI and that I can't afford and wouldn't pay a debt I don't owe. they kept sending an email ignoring my hardship and saying they will settle for 400 and they won't put the collection on my credit report. That sounds like harassment and bullying to me. so they get to say how much I should pay, and how much they will settle for but forget about the XXXX mom with kids who is try9ing to survive.im still suffering and on a ton of medication and don't have that kind of money but Zion keeps on saying " they will settle for 400, if yes they won't put the debt on my credit report '' again to me. that's not working, or negotiating with a low income XXXX mom, that's harassment. they want at least 400 or they put the debt on my credit report and ruin it. I became sick and went to respond back to Zion only to find out they went and slapped the debt on my report on XX/XX/XXXX. I don't understand how they can just do that. what about my phone calls with XXXX  and them telling me because I'm not happy and having a hardship its okay to close my account? ( that doesn't count? ) they are true and what I'm saying doesn't matter? why do they get to tell experian and transition that I Owe the money and, their word is better than mine. I told XXXX my situation and still the debt is on my credit as a collection. there should be legal advice provided to me before this goes that far. this will be on my credit for 7 years ; that's huge!!! all because they said they bought a debt that XXXX  told me I didn't owe. shouldn't it be abandoned after I never reveived a response back from the first debt buyer XXXX XXXX and XXXX? why do they get to disappear and stop responding for a year leaving me in the lurch only to pass this on to someone else???? its abandonment and XXXX never sent me validation of the debt.I never received any certified mail saying the debt was validated. Debt collection and buyers should not be able to just place amounts on your credit report, debt shouldn't Be passed around, bought and sold, what is this???? why is it ok to pass a debt around to anyone for years until one of the companies gets ticked off and puts it on your report. why do they have the power to do so? there should be a statute of limitations on this, it shouldn't be bought unless the company folds and if they don't respond back to a person for months that's a cease communication on them not the person. I feel I have no rights as a citizen at all and that this collection company can do whatever they want and dangle this debt over me because they know I don't want it on my report. I don't have the money and dispute the debt? I get no say or rights, they just say she owes this amount and the credit bureau puts it on. I should get copies of everything they send to the bureau about me and this case since its affection me. I didn't receive anything ; I want to see what they supplied the bureau and how they are proving that this debt is mine? anyone can type up an invoice and say you owe this amount! please listen to the recorded phonically between XXXX  and I, they are recorded for monitoring purposes correct????? why do they have that if they aren't going to go back and use them. why is their word holding more value than mine???? they said I could suspend and close my account and I thought that happened. Their own ppwk states that if I write to them by XXXX we must stop election on any amount you dispute until we send you information that shows I owe the debt. I never received this and am still waiting for proof that I owe the amount they claim I do and it shouldn't just be because XXXX says so since they were supposed to stop my account as per my phonecall in XXXX with them and they never did. I know there are others like me out there that feel this is wrong and this is all one sided; legal representation should be provided for people like me in this situation who are XXXX and having a hardship. people who are in this country illegal can get legal representation right away and help ; I'm a citizen and should be entitled to legal help when it comes to disputes that can end up ruining your credit report! why can't I get legal help for free with my situation, I feel hopeless and exhausted and have nobody to help me, I'm trying to defend myself but I can't on my own ; why? 

XXXXIt states on XXXX website that I can cancel my contract at any time and zion holdings is telling me I couldn't cancel the contract but its listed on the XXXX website in writingXXXX  my contact information is XXXX XXXX XXXX XXXX XXXX. I would like this investigated please if possible!

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