CFPB Consumer Complaint Profile

Zions Debt Holdings

What 1,307 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

Data updated 2026-05-15

1,307
Total complaints
592
Last 12 months
100%
Timely response
48
States affected

The verdict

Among 3,848 financial companies tracked by CFPB complaint volume, Zions Debt Holdings sits at #282, with 1,307 complaints logged. It answers 100% of complaints on time - above the 93% median for companies with 100+ complaints.

#282
of 3,848 companies by volume
100%
answered on time
Debt collection
most-complained product
48
states with complaints
Zions Debt Holdings timely response rate 100.0%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - I do not know 482
Debt collection - Other debt 469
Credit reporting or other personal consumer reports - Credit reporting 232
Debt collection - Telecommunications debt 59
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 41
Debt collection - Credit card debt 12
Debt collection - Medical debt 4
Debt collection - Rental debt 3
Credit reporting or other personal consumer reports - Other personal consumer report 2
Debt or credit management - Debt settlement 2

Top Issues

1.Attempts to collect debt not owed 535
2.Written notification about debt 171
3.Took or threatened to take negative or legal action 157
4.Incorrect information on your report 156
5.False statements or representation 103
6.Problem with a company's investigation into an existing problem 61
7.Improper use of your report 45
8.Electronic communications 31
9.Communication tactics 27
10.Problem with a credit reporting company's investigation into an existing problem 11

Complaints by Year

Year Complaints
2023 320
2024 285
2025 561
2026 141

Complaints by State (Top 15)

Texas 302
Florida 143
Georgia 120
California 69
North Carolina 58
Maryland 44
Illinois 41
Missouri 36
Tennessee 35
Ohio 33
Louisiana 31
Pennsylvania 30
South Carolina 28
Alabama 27
New York 26

Company Responses

Closed with explanation 1,306
Closed with non-monetary relief 1

What the CFPB Complaint Record Shows for Zions Debt Holdings

Zions Debt Holdings carries 1,307 complaints in the CFPB's database, 592 of them filed within the past 12 months. Consumers spanning 48 states and territories have weighed in, giving this a nationwide footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

100% of CFPB-forwarded complaints against Zions Debt Holdings get a reply inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. Of complaints that were resolved, 0.1% closed with some form of monetary or non-monetary relief to the consumer.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does Zions Debt Holdings have?

1,307 complaints have been filed against Zions Debt Holdings with the CFPB overall - 592 of them in the past year.

Does Zions Debt Holdings respond to complaints on time?

100% of the CFPB complaints against Zions Debt Holdings get a response within the expected window. That is a strong response record by CFPB standards.

What product generates the most complaints for Zions Debt Holdings?

The most complained-about product for Zions Debt Holdings is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with Zions Debt Holdings?

"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Zions Debt Holdings - see all issues and counts above.

How do I file a complaint against Zions Debt Holdings?

You can file a complaint against Zions Debt Holdings directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about Zions Debt Holdings?

The CFPB has recorded complaints against Zions Debt Holdings from 48 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.