Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Zions Debt Holdings
State: NJ

Complaint narrative:
In late XXXX, early XXXX XXXX, there is a creditor that appears on XXXX. Zions Debt Holdings for a XXXX account. I had an attorney, XXXX XXXX XXXX since XXXX, who I was working with to resolve any and all open debts, this account never came up & all others were paid. I worked really hard to fix my credit, so seeing this on my credit report & no-one had ever tried to reach out to me XXXX was also concerning. Suddenly I get an email & text from this company saying they own this account and that they offer to expunge this from the credit agencies if I pay online. I start to look into the debt & as far as I remember this account was cancelled due to services I had been paying for since XXXX, I had an incident where the alarm went off in my unit & no one was alerted, their service was supposed to include contacting authorities and myself. I call them and ask them if that is their practice to report before trying to contact someone, they say they did send a notice to my address, I say, I never recovered anything from you & you obviously had my email & phone #, I was working with an attorney. They became rude & reiterated that they did send it, so I ask that they send me something verifying this debt & explain what I just wrote, this account was canceled. Their response have been rude, condescending and dismissive. When I receive the paperwork it is dated XX/XX/XXXX & says I owe XXXX. I send an email & ask them when do they show I stopped paying & they said XX/XX/XXXX, so I ask why this shows I owed XXXX in XXXX & they are asking for over XXXX. I also tell them I am disputing this charge & they did not provide me with any paperwork so I could dispute, so I sent an telling them I am disputing & if they could provide me proper documentation showing these charges, she responds with an email breakdown now with an amount of XXXX. I ask them again for any valid document showing, now I have XXXX different amounts they claim I owe The attitude and harassment was immediate.She said I asked for a breakdown, when I clearly asked for a document from XXXXshe said I could not cancel the account. She said the only way to cancel is for me to pay the remaining months.I had already asked them not to communicate with me via phone or text because they are just bullies and nasty. I now respond & send them back the original email where I specifically asked for a document not a breakdown on an email. I am now anxious and upset, for no reason & now I am angry, again for no reason, I have been working with creditors & I had never been spoken to in such a disrespectful tone. I tell them to never communicate with via phone or email ever again, I do not want to feel this way. I ask that forward the documents. They decide to email me anyway saying it is the consumers responsibility and what do I want. I do not want anything to do with this company, they are awful & have no ethical or moral experience.

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