Debt collection -- Attempts to collect debt not owed -- Complaint #7505529
Complaint Overview
Complaint ID: 7505529
Company: Zions Debt Holdings
Product: Debt collection
Sub-Product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Texas
ZIP Code: 75126
Date Received: 2023-09-05T12:00:00-05:00
Date Sent to Company: 2023-09-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On or about XXXX, XXXX, I sold my home at XXXX XXXX XXXX XXXX XXXX TX XXXX. At the time of the sale, I had XXXX home monitoring service and 'smart home ' equipment. The buyer, XXXX XXXX, called XXXX to transfer my contract to them, and rather than transfer my contract as I had instructed XXXX and XXXX XXXX to do, XXXX created a new account for her using my equipment and did not inform me. After a period of approximately 6 months, I received a collections call from XXXX telling me I owed approximately {$650.00}. I disputed this and refused to pay given that there was call evidence that XXXX XXXX properly instructed XXXX to transfer the contract and not start a new one. Unbeknownst to XXXX XXXX, the new contract was created. During my dispute and refusal to pay XXXX during this period, I filed a consumer protection complaint with the Texas Atty. General 's Office, complaint ID XXXX. In addition, I informed XXXX over the phone that should they continue, I would file a claim in small claims court and ask for compensatory damages. Following this, XXXX ceased trying to collect on this debt at approximately XX/XX/XXXX. Starting approximately XX/XX/XXXX, Zion Debt Holdings LLC informed me that they had purchased this outstanding debt and were now attempting to collect. I explained the situation to them and started a dispute. They maintained that it was their right to collect. I explained to them that should they continue this course of action I would pursue legal remedy. Nothing more came from this. On Thursday, XX/XX/XXXX I received a notification from my XXXX XXXX credit monitoring app that my score had dropped significantly. Upon investigation, this {$660.00} debt was marked as charged off by Zion Debt Holdings. ZDH has no right to mark this as a chargeoff as this was an improper debt to collect in the first place. XXXX wrote off this debt and ceased attempts to collect once it was determined that evidence was not in their favor and that they were, in fact, in the wrong. Zion purchased this debt from XXXX inappropriately and attempted to collect even after informed of this situation, then proceeded to file against my credit which I have maintained a literal perfect payment history. I have NEVER missed a payment for any debt. Zion 's actions are malicious and intentional as I told them to pound sand and that I would pursue legal action should they not cease their attempts. I will be exploring legal action against ZDH.
Frequently Asked Questions
What is Complaint #7505529 about?
Complaint #7505529 was filed against Zions Debt Holdings regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-09-05T12:00:00-05:00.
How did Zions Debt Holdings respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Zions Debt Holdings?
Yes, visit the Zions Debt Holdings company profile at readthecomplaint.com/company/zions-debt-holdings to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.