Consumer complaint received 2024-10-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ZIONS DEBT HOLDINGS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX. 

TO WHOM IT MAY CONCERN Re CFPB complaint # XXXX, # XXXX # XXXX A cease and desist notice was sent on XX/XX/year>, On XX/XX/year> Zions Debt Holdings failed to cease communication and failed to respond in accordance with the FDCPA Ceasing communication 15 U.S. Code 1692c ( c ) ____________________________________________________________________________________ If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

We purchased your XXXX XXXX  account. The balance owed is {$2200.00}. We are willing to settle your account for a discounted amount of {$800.00}, if paid by XX/XX/year>. If you settle the account, we offer full deletion of debt. We would delete it from the credit bureaus in its entirety. Pay online at zionsdebtholdings.com with account # XXXX. 

A cease and desist notice was sent on XX/XX/year>, _ On XX/XX/year> Zions Debt Holdings failed to cease communication and failed to respond in accordance with the FDCPA Ceasing communication 15 U.S. Code 1692c ( c ) _____________________________________________________________________________________________________________________ If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

We purchased your XXXX XXXX  account. You gave consent upon signing the contract. The balance owed is {$2200.00}. We are willing to settle your account for a discounted amount of {$800.00}, if paid by XX/XX/year>. If you settle the account, we offer full deletion of debt. We would delete it from the credit bureaus in its entirety. Pay online at zionsdebtholdings.com with account # XXXX. 

A cease and desist notice was sent on XX/XX/year>, On XX/XX/year> Zions Debt Holdings failed to cease communication and failed to respond in accordance with the FDCPA Ceasing communication 15 U.S. Code 1692c ( c ) ____________________________________________________________________________________________ If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 


We purchased your XXXX XXXX  account. The balance owed is {$2200.00}. We are willing to settle your account for a discounted amount of {$800.00}, if paid by XX/XX/year>. If you settle the account, we offer full deletion of debt. We would delete it from the credit bureaus in its entirety. Pay online at zionsdebtholdings.com with account # XXXX. 

Pursuant to the FDCPA 15 U.S. Code 1692c ( c ) when i the consumer Ceased communication you were required to respond either ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

You failed to respect my cease and desist notice on three separate occasions o and responded with We purchased your XXXX XXXX  account. The balance owed is {$2200.00}. We are willing to settle your account for a discounted amount of {$800.00}, if paid by XX/XX/year>. If you settle the account, we offer full deletion of debt. We would delete it from the credit bureaus in its entirety. Pay online at zionsdebtholdings.com with account # XXXX on XXXX different occasions pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) You fails to comply with the requirements of the FDCPA in attempting to collect an alleged debt which holds you liable to such person in an amount of XXXX per each violation With Explicit Reservation of all Right, Without XXXX XXXX XXXX. XXXX XXXX

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