Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: TX

Complaint narrative:
Zions Debt Holdings, LLC is attempting to collect and is reporting a {$1000.00} debt that I dispute. Their own documents conflict on dates and the amount, and their representative refuses to investigate unless I provide proof of cancellation, while also stating they will not go back and forth. I dispute that XXXX provided service to my location for the months billed and I dispute the accuracy of the tradeline they are reporting.

1. Protect America transfer notice : I have documentation that Protect America stated my account would transfer to XXXX XXXX XXXX on XX/XX/XXXX and that billing would be paid to XXXX starting with the XXXX statement. ( Attachment : Protect America transfer notice email. ) 2. Zions purchase claim : Zions provided a letter stating the account was purchased by Zions Debt Holdings in XX/XX/XXXX. ( Attachment : Zions letter. ) 3. Credit reporting discrepancy : My credit report screenshot shows a Zions Debt Holdings collection tradeline with an Opened date of XX/XX/XXXX and a balance of approximately {$1000.00} ( and remarks showing dispute-related wording ). This opened date conflicts with Zions written statement that it purchased the account in XX/XX/XXXX. ( Attachment : credit report screenshot. ) 4. Ledger vs. amount discrepancy : Zions provided a Customer Billing History / ledger attributed to XXXX showing entries from XX/XX/XXXX through XX/XX/XXXX and then a Writeoff debit balance entry that brings the running balance to {$0.00}, and the page shows Outstanding Balance {$0.00}. ( Attachment : ledger screenshot. ) 5. Invoice conflicts with ledger : Zions provided an invoice ( Invoice # XXXX ) claiming : Monitoring Service Past due balance XX/XX/XXXX + 9 months of service left unpaid totaling {$870.00}, plus Interest {$100.00}, plus Late fees {$60.00}, for a total due of {$1000.00}. However, the ledger page provided ends at XX/XX/XXXX and does not show those additional 9 months of charges that they claim. ( Attachment : Zions invoice / packet. ) 6. Service not provided / authorization dispute : I dispute that XXXX XXXX XXXX service to my location for the billed months and dispute that I authorized ongoing service after the transfer. I also dispute the basis for the fees shown ( returned check fee and recurring late fees ) and the initial IMPORT balance adjustment listed on XX/XX/XXXX. 
7. Refusal to investigate / improper burden shift : In email, XXXX representative ( XXXX XXXX ) stated they do not have access to cancellation paperwork, that if I can not provide proof I cancelled they can not assist me, and that they are not going back and forth and all paperwork has already been emailed. This shifts the entire burden to the consumer and ignores that their documents contain internal inconsistencies and do not substantiate the amount being collected/reported

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