CFPB Consumer Complaint Profile
Zions Debt Holdings
What the consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 1,307
- Total complaints
- Among the highest
- 592
- Last 12 months
- 100%
- Timely response
- Top decile
- 48
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Zions Debt Holdings sits at #283. On response speed it sits at the 86th percentile among companies with 100+ complaints.
- Debt collection
- most-complained product
- TX
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Zions Debt Holdings vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 285 in 2024 to 561 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2023 | 320 |
| 2024 | 285 |
| 2025 | 561 |
| 2026year in progress | 141 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Zions Debt Holdings
Zions Debt Holdings draws a nationwide spread of CFPB complaints, filed by consumers in many parts of the country. 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.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate is at or above benchmark levels, a sign it handles intake and escalation well. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Zions Debt Holdings: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
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?
CFPB complaints against Zions Debt Holdings draw a 100% timely-response rate inside 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.