Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings
State: OH

Complaint narrative:
XX/XX/XXXX : Agreed to pay {$29.00} until the balance of an old debt was cleared of approximately {$710.00}. A letter outlining disagreement was sent to me on this day. 

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Zion Debt holdings, LLC took out the regularly scheduled payments of {$22.00} XX/XX/XXXX : Call Zion Debt Holdings to find out why the payment has not gone through and a representative told me that it could take up to two weeks for the payment to post. 


No money had been taken out for the month of XXXX and XX/XX/XXXX I decided to look up the company and found out. They have several legal actions against them in several different states for attempting to collect debt without the proper licenses. 

XX/XX/XXXX : Called Debt Holdings, LLC and the representative did not want to give me his name. I insisted upon it and he said his name was XXXX XXXX I think the owner of the company. ) again asked why the monies have not been taken out for the month of XXXX and XXXX and I was told that he did not know why I must have put a block on my account. This is absolutely absurd, and I told him that there was no block or stop payments on a checking account that I have had open for several years. He insisted upon accusing me that it was my fault, and he used the worst most unprofessional abusive language I have ever heard from anyone From a company I asked him if the company had legal actions against him and he said that I was lying and making it up and that all I was doing was looking on XXXX I told him I had proof. I have downloaded the motions and he told me to prove it. I said please furnish me with an email and I will send those PDFs over. He did not do it. 

It was like talking to an uneducated XXXX boy that had anger issues. I told him to run the payments so that its caught up. He continued to tell me that it was already put as bad debt on my credit and that youll see the negative effect and impact on your credit Because of the bad debt I continue to tell him the money is in there, and there are no holds. There must be something on your end that is not happening properly. The most recent cease and desist order I think came in XX/XX/XXXX, which would make sense as to why the payments have not been taken out. Of course, I can not be sure of that as I am not a lawyer, but I have seen documentation regarding it. I have no problem making it on the Debt. Theyre just not taking it out.

I would like to know if they legally have a temporary cease and desist order to collect monies. Additionally, I have called my bank to confirm that Zion Debt Holdings attempted to make those withdrawal payments and the representative at my bank said Zion Debt Holdings, LLC has not tried to take money out since XX/XX/XXXX. This company does not need to have a license how they do business is extremely unprofessional and unethical, and they do not deserve to hold a license to collect on Debt

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation