Debt collection
Zions Debt: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 141
- Closed with money back
- 0%
- 2023 to 2025
- 56 to 54
Servicemembers filed 12.1% of Zions Debt's 1,166 complaints in the window, against 2.5% across the directory. The complaints are mostly about debt collection, and the single most common issue is "Attempts to collect debt not owed". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count held roughly steady: 56 in 2023 and 54 in 2025.
What the complaints are about
By product
| Debt collection | 112 |
| Credit reporting or other personal consumer reports | 20 |
| Credit reporting, credit repair services, or other personal consumer reports | 9 |
By issue
| Attempts to collect debt not owed | 66 |
| Incorrect information on your report | 19 |
| Written notification about debt | 18 |
| Took or threatened to take negative or legal action | 11 |
| Electronic communications | 10 |
| 2023: 56 | 2024: 31 | 2025: 54 |
Which accounts, specifically
| Other debt | 84 |
| Credit reporting | 29 |
| I do not know | 29 |
| Telecommunications debt | 9 |
| Credit card debt | 2 |
What went wrong, specifically
| Debt is not yours | 49 |
| Debt was result of identity theft | 12 |
| Debt was paid | 12 |
| Threatened or suggested your credit would be damaged | 12 |
| Didn't receive enough information to verify debt | 11 |
Busiest month: May 2023, with 16 servicemember complaints. Most were submitted by web.
Most complaints came from TX (35), GA (14), FL (10) , then MD, NC, AL.
How Zions Debt answered
| Closed with explanation | 141 | 100% |
Zions Debt responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company believes the complaint provided an opportunity to answer consumer's questions" (101). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Debt collection; Attempts to collect debt not owed. OH, 2024-08-27. Outcome: Closed with explanation. Complaint 9937591
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Debt collection; Written notification about debt. NC, 2024-08-20. Outcome: Closed with explanation. Complaint 9863488
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Debt collection; Attempts to collect debt not owed. MD, 2024-08-15. Outcome: Closed with explanation. Complaint 9810610
If this is your problem at Zions Debt
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with debt collection peers
- Harris & Harris 137 servicemember complaints; 0% with money back
- Source Receivables Management 147 servicemember complaints; 0% with money back
- Sequium Asset Solutions 135 servicemember complaints; 0% with money back
- Cavalry Investments 134 servicemember complaints; 0% with money back
- Credit Control 150 servicemember complaints; 0% with money back
Next in the directory by volume: Mariner Finance, World Acceptance.
Frequently asked questions
How many complaints did servicemembers file against Zions Debt?
141 complaints tagged servicemember were received by the CFPB about Zions Debt Holdings between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count held roughly steady: 56 in 2023 and 54 in 2025.
What do servicemembers complain about most at Zions Debt?
Debt collection accounts for 112 of the 141 complaints, and the most common issue is "Attempts to collect debt not owed" (66). Next: "Incorrect information on your report" (19).
Does Zions Debt give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 0 closed with non-monetary relief and 141 closed with an explanation only. Zions Debt answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.