CFPB · Faster timely-response band

Zions Debt Holdings

1.5K CFPB complaints · 100% timely (fast band) · top issue Attempts to collect debt not owed.

Products ↓ All companies
1.5K CFPB complaints

Zions Debt Holdings answers 100% on time (upper third) across 1.5K filings. Relief 0.1% · top product Debt collection. Allegations, not findings.

  • Faster timely-response band
  • +8.1% filings 2023 to 2026

CFPB relief outcome brief

CCDB company zions-debt-holdings

0.1% relief · 100% timely · 1.5K filings · Debt collection

Same-product relief peers

Nearest relief peer: Fair Collections & Outsourcing, Inc. (0.1% relief)

Zions Debt Holdings (this)0.1%CrossCountry Mortgage LLC11.2%Byrider Franchising, LLC0.3%First Portfolio Servicing Inc0%BSI Financial Holdings, Inc.0.1%
Closed-with-relief % among Zions Debt Holdings and nearest filing-volume peers

Zions Debt Holdings closes 0.1% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →

Response Quality Score

Zions Debt Holdings scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (0/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.

55 /100 grade C

Relief provided

0 / 100 percentile-benchmarked

0.1% of complaints closed with relief to the consumer

Timely response

100 / 100 percentile-benchmarked

100% of complaints answered inside the CFPB 15-day window

Closed with explanation

99 / 100 percentile-benchmarked

99.6% of complaints closed with an explanation to the consumer

Most of Zions Debt Holdings's 1.5K filings include narrative text

41% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.

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Timely response rate 100.0%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 0.1%
Industry median (≥10 complaints)

Share closed with monetary or non-monetary relief.

Zions Debt Holdings complaint mix by product

Total complaints: 1.5K

Zions Debt Holdings complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 1.5K total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Debt collection: 1,187 complaints (78.5%), resolution 0.1% Debt collection 78.5% Credit reporting: 282 complaints (18.7%), resolution 0.0% Credit reporting 18.7% Credit reporting,: 41 complaints (2.7%), resolution 0.0% Debt or: 2 complaints (0.1%), resolution 0.0%
  • Debt collection 1K 78.5% – 0% relief
  • Credit reporting 282 18.7% – 0% relief
  • Credit reporting, 41 2.7% – 0% relief
  • Debt or 2 0.1% – 0% relief

Lighter-volume mix: how Zions Debt Holdings's 1.5K complaints split across CFPB product categories. Resolution badge = % closed with relief.

Complaints by Product

Product Complaints
Debt collection 1.2K
Credit reporting or other personal consumer reports 282
Credit reporting, credit repair services, or other personal consumer reports 41
Debt or credit management 2

Nationwide filing states for Zions Debt Holdings

Top states by attributed volume, lighter-filing company

Nationwide footprint
Leading state
TX
23.8% of this company's filings
TX360FL159GA141CA75NC66IL45LA45MD44

Zions Debt Holdings complaints by year

Annual filing volume from the CFPB public database

Trend in view
2026
346
+8.1% vs 2023
200300400500600 2023202420252026 346

Volume vs. relief

Where Zions Debt Holdings sits on volume vs. relief

Among the 342 companies large enough to be indexed on PlainComplaint, Zions Debt Holdings files more complaint volume than 21% of them, and closes complaints with relief more often than 16% of them, placing it in the quadrant for lower volume, below-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.

Zions Debt Holdings vs. a 29-company national peer sample, volume percentile vs. relief-rate percentile. 2×2 strategic matrix plotting 30 entities by Volume percentile (X) and Relief percentile (Y), with a crosshair dividing the plot into four quadrants. High volume, high reliefLow volume, high reliefHigh volume, low reliefLow volume, low relief 020406080 020406080100 Volume percentile Relief percentile
Zions Debt Holdings vs. a 29-company national peer sample, volume percentile vs. relief-rate percentile.

Total complaints: 1,512 · Closed with relief: 0.1%

Top States

State Complaints
TX 360
FL 159
GA 141
CA 75
NC 66
IL 45
LA 45
MD 44
MO 41
TN 39
SC 36
OH 36
AL 35
PA 33
NY 29
AZ 27
IN 26
MI 23
MS 23
VA 22

Top Issues

Issue Complaints
Attempts to collect debt not owed 595
Took or threatened to take negative or legal action 206
Written notification about debt 200
Incorrect information on your report 183
False statements or representation 119
Problem with a company's investigation into an existing problem 74
Improper use of your report 53
Electronic communications 32
Communication tactics 29
Problem with a credit reporting company's investigation into an existing problem 11
Threatened to contact someone or share information improperly 6
Problem with customer service 2
Credit monitoring or identity theft protection services 1
Identity theft protection or other monitoring services 1

Yearly Trend

Year Complaints Timely
2023 320 100%
2024 285 100%
2025 561 100%
2026 346 100%

Source: CFPB Consumer Complaint Database

Zions Debt Holdings in the faster-timely third

Zions Debt Holdings's 1,512 logged complaints reach a nationwide footprint - 48 states have at least one filing. 41% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2023 through 2026-06-26. Timely response 100% sits in the upper third of the corpus.

Zions Debt Holdings answers 100% of complaints inside the CFPB's tracked window (timely band: fast) and closes 0.1% with relief; 99.6% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Debt collection" · top issue "Attempts to collect debt not owed."

A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Zions Debt Holdings.

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainComplaint-derived comparison paths for Zions Debt Holdings: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest companies by total CFPB complaints. This record: 1.5K.

4 peers

Similar timely response rate

Nearest companies by CFPB 15-day timely-response %. This record: 100%.

4 peers

Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.

Data sourced from official public datasets for Zions Debt Holdings (#269 of 342; 100% timely; 0.1% relief). methodology.

Retrieved and formatted by PlainComplaint · vintage June 2026 · Faster timely-response band