Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: NV

Complaint narrative:
I do not have any responsibility for the debt that the Zion Debt Holdings, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is trying to collect and harass me in the process. They claim that I owe {$130.00}. Breakdown for this amount is : XXXX XXXX XXXX charges : {$47.00} Interest : {$22.00} ZION DEBT Collection Fee : {$600.00} Total : {$130.00} They contacted for collection through text first time on XX/XX/XXXX without my consent and knowing the full story. The amount that I have been charged is fraudulent. I cancelled my service with XXXX XXXX XXXX in the month of XXXX of XXXX itself over phone call. But I saw credit card charges in the month of XX/XX/XXXX as well. When I spoke to their customer service, they told me that it required XXXX notice and they said that they did not initiate the process on their side in the month of XXXX. They initiated the process again and I completed the confirmation through XXXX in XX/XX/XXXX. I am attaching proof of that with this complaint. But XXXX did not stop the billing even after 30 days from my written cancellation in XX/XX/XXXX. I continued to get charged in the month of XX/XX/XXXX and XX/XX/XXXX. At this point of time, I called XXXX again and they asked me to complete cancellation through XXXX again. I had to do it third time. I have the email proof from XXXX of XXXX as well of this cancellation for the third time. Please find it included. At that point of time, I disputed the charges for 2 months with my Credit Card company because those were all fraudulent. They had my credit card information and they misused it. They should not have charged anything starting from XXXX of XXXX after I was confirmed over phone that my account was closed. 
XXXX XXXX XXXX sent me these collection notices and texts without any solid background research, proof, and my consent. When I told them the whole story, they told me that I did not cancel at all. They asked me to provide any proof that would validate that I cancelled my service. I asked them the copy of all charges and payments. They sent me the invoice and I sent them my cancellation proof. Based on this invoice and my evidence/proof, I do not owe any amount to anyone. After I sent them the proof, they did not respond for several weeks. And suddenly on XX/XX/XXXX, they informed me through text message that they paid my owed amount to Brinks from their pocket and reported it to Credit Bureaus. 
Considering these circumstance and evidence that I provided, I believe that Zion Debt Holdings intent is to some how extract money from me. They have harassed me enough and I have no other option left than to reach out for help to consumer agencies. There are several negative reports on Internet on their means to handle such cases. 
I am seeking the following from Zion Debt Holdings : XXXX. Accept their mistake and write a sorry letter to me XXXX. Full deletion from Credit Bureaus XXXX. Pay me at least {$100000.00} for my time, disturbing mental peace and causing harassment to me and my family. 
I am attaching all the documents and my email exchange with Zion Debt Holdings.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation