Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Zions Debt Holdings LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : FINAL DEMAND FOR DELETION UNVALIDATED DEBT AND UNLICENSED COLLECTION ACTIVITY To Whom It May Concern : This letter constitutes my third and final formal demand that you immediately delete the collection account you are reporting to the consumer reporting agencies. Your continued refusal to validate the alleged debt as required under federal lawspecifically 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) places your organization in clear and willful violation of consumer protection law.

Additionally, you claim the debt originated in California, and you are attempting to collect it from me in Connecticut. However, Zions Debt Holdings LLC is not, and has never been, licensed as a consumer collection agency in either state, as required by : Connecticut General Statutes 36a-800 through 36a-816 California Rosenthal Fair Debt Collection Practices Act, Civil Code 1788 et seq. 

This collection activity is therefore unauthorized, illegal, and invalid. It constitutes not only a violation of state law, but also of federal law under : 15 U.S.C. 1692e ( false, deceptive, or misleading representation ) 15 U.S.C. 1692f ( unfair or unconscionable means to collect a debt ) 15 U.S.C. 1692g ( failure to validate disputed debts ) Moreover, I am in possession of a copy of the case file from the Connecticut Department of Banking, which includes : A Temporary Order to Cease and Desist An Order to Make Restitution A Notice of Intent to Issue Order to Cease and Desist A Notice to Impose Civil Penalty These actions by the Banking Commissioner further demonstrate that your conduct is unlawful and subjects you to state and federal enforcement actions. These documents are attached to this letter for your reference. 

I hereby demand the following, to be completed within 15 days of the date of this letter : 1. Permanent deletion of this collection account from TransUnion, Equifax, and Experian 2. A written response confirming that no further collection efforts will be made 3. Documentation of your legal authorization to collect debts in both California and Connecticut ( if you believe such licensure exists ) If these actions are not completed within the time allotted, I will pursue all available legal remedies, including filing complaints with the CFPB, the Connecticut Department of Banking, the California DFPI, and civil litigation for violations of the FDCPA and applicable state laws.

You are now on formal notice. Your failure to act will be construed as continued willful noncompliance and bad-faith conduct, and I will seek statutory damages, actual damages, and attorneys fees under 15 U.S.C. 1692k. 


GOVERN YOURSELVES ACCORDINGLY. 

Sincerely, XXXX XXXX [ Attachment : Banking Commissioner Enforcement File ] Temporary Order to Cease and Desist, Order to Make Restitution, Notice of Intent to Issue Order to Cease and Desist, Notice of Intent to Impose Civil Penalty and Notice of Right to Hearing was sent by certified mail, return receipt requested, to Zions Debt Holdings, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Certified Mail No. XXXX ; Zions Debt Holdings, XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Certified Mail No. XXXX ; Zions Debt Holdings, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Certified Mail No. XXXX ; and Zions Debt Holdings, LLC, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Certified Mail No. XXXX.

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