Zions Debt Holdings, LLC is a Utah company that buys non-performing receivables, especially recurring service contracts like security systems, gym memberships and pest control, and collects them. It may contact you about an old service bill it bought or was hired to collect.
- Type
- Collection agency and debt buyer
- Also known as
- Zions Debt Holdings, LLC
- Headquarters
- Orem, UT
- Collects
- security system contracts, gym memberships, pest control contracts, service agreements, credit cards, payday and installment loans, medical bills, utility bills, telecom bills
- Phone numbers it lists
- (385) 303-9778
- Website
- zionsdebtholdings.com
1,143 debt collection complaints were sent to the Consumer Financial Protection Bureau about Zions Debt Holdings from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Zions Debt Holdings?
Zions Debt Holdings, LLC is a Utah limited liability company. Its website describes it as a buyer of non-performing receivables with about 15 years of experience purchasing them, and it lists NMLS ID 1906874. Its consumer mailing address is P.O. Box 878, Spanish Fork, Utah; state regulators have listed Orem, Utah addresses for the company. Don't confuse it with Zions Bancorporation, the bank; none of the sources we reviewed links the two.
The company has been the subject of several state actions:
- Idaho (2024). The Idaho Department of Finance issued a cease-and-desist order after a consumer complaint, finding that the company had engaged in collection activity in Idaho without the license the Idaho Collection Agency Act requires.
- Connecticut (2024). In August 2024 the Connecticut Banking Commissioner issued a temporary cease-and-desist order and an order to make restitution, alleging unlicensed consumer collection activity in the state.
- Connecticut (2025–2026). According to the Department of Banking's April 2026 bulletin, the Commissioner issued a new temporary order in September 2025 and a final order in February 2026, alleging unlicensed collection, a harassing email to a consumer, misleading statements about licensing and inadequate supervision. On April 1, 2026, a consent order vacated the final order; the company and two control persons agreed to a $50,000 civil penalty, and the company is barred from acting as a consumer collection agency in Connecticut for five years.
We did not find a CFPB enforcement action against Zions Debt Holdings.
Why Zions Debt Holdings May Be Contacting You
The company's website says it focuses on recurring service agreements: home security systems, gym memberships, pest control and similar contracts. It also lists credit cards, payday and installment loans, medical, utility and telecom accounts. In most cases, then, a message from Zions is about a service contract you cancelled, moved away from, or stopped paying, which the original company later sold. Early-termination fees and months billed after a cancellation are common sources of disagreement on these accounts. The phone number on its website is (385) 303-9778.
How to Check a Debt Zions Debt Holdings Says You Owe
Service-contract debts are easy to get wrong, so ask for paper before you pay.
- Read the validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). It should name the original company (the gym, alarm or pest-control provider), give an itemization date and break the balance into charges, fees and payments.
- If you cancelled, find your cancellation confirmation, final bill, or proof that you returned equipment, and send a written dispute within the validation period with copies.
- Ask Zions to identify who owns the account now and when it acquired it. If it says another company is collecting for it, ask for that relationship in writing.
- Check the date of your last payment. Texas generally gives four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer can't sue on a time-barred consumer debt in Texas (Tex. Fin. Code § 392.307). Other states use different periods.
What Zions Debt Holdings Can and Can't Do
A company that buys defaulted debt is not automatically a "debt collector" just because it owns the debt (Henson v. Santander, 582 U.S. 79 (2017)), but it is covered by the FDCPA's "principal purpose" prong if its main business is collecting debts, and it is covered when it collects for others. Points to keep in mind:
- It must not misrepresent the amount owed, add fees the contract doesn't allow, or suggest it holds a license it doesn't have (15 U.S.C. §§ 1692e, 1692f).
- Emails and texts count as communications; each must let you opt out of that channel (12 C.F.R. § 1006.6(e)).
- It may not report a debt to a credit bureau without first communicating with you about it (12 C.F.R. § 1006.30(a)).
- Texas also requires third-party collectors to file a surety bond with the Secretary of State (Tex. Fin. Code § 392.101).
If you've been sued over a service contract, see our debt lawsuit questions. If the collection itself was abusive, our FDCPA attorneys can take a look.
Government Actions on the Public Record
- Connecticut Banking Commissioner consent order (vacated a final order; $50,000 penalty and five-year bar from consumer collection in Connecticut) (2026-04-01)
- Connecticut Banking Commissioner temporary cease-and-desist and restitution order (alleged unlicensed collection activity) (2024-08-21)
- Idaho Department of Finance cease-and-desist order (unlicensed collection activity), Docket No. 2024-09-01 (2024-01-30)
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Zions Debt Holdings or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Zions Debt Holdings: Home
- Connecticut Department of Banking: Bulletin 3241 (April 2026)
- Connecticut Department of Banking: Temporary order, Zions Debt Holdings, LLC (Aug. 21, 2024)
- Idaho Department of Finance: Order to cease and desist, Zions Debt Holdings, LLC
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Zions Debt Holdings, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Zions Debt Holdings has violated any law. Company details change; tell us if something here is out of date. Lea este perfil en español.