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Business Profile

Collections Agencies

Torres Credit Services, Inc

This business has applied for BBB accreditation.

Complaints

Customer Complaints Summary

  • 138 total complaints in the last 3 years.
  • 68 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:07/09/2025

    Type:Order Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am not liable for this debt with **************************, I do not have a contract with TORRES CREDIT SERVICES, they did not provide me with the original contract as I requested.

    Business Response

    Date: 07/11/2025

    Torres Credit Services, Inc. ("TCS") was attempting to collect an alleged debt (File No. *******) forwarded to it from ******************* ****** (Account #*************.  Attached is the Statement confirming the balance due. When a utility is requested to be connected it is done over the phone and no contract is signed. The connection date was September 11, 2019, at *****************************************************. The service was disconnected on August 29, 2024, and a new address of ********************************************** was given for the final bill to be mailed to. Following receipt of this Complaint,TCS has discontinued collection of this account, requested deletion of its trade line from all credit reports and closed its file. Any further questions need to be directed to Southern ***************************************************** P.O. ************************************ or by calling **************.

    Customer Answer

    Date: 07/12/2025

    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

    Regards,

    ******* ******

  • Initial Complaint

    Date:06/13/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    On June 09, 2025 I got an alert from ********** that a new collection had hit my credit from Torres Credit Services for $467.00. I am not liable for this debt with *********** . I do not have a contract with Torres Credit Services. I have no knowledge what this is, nor have I given anyone authority to use my identity to obtain this fraudulent account. They have not provided with any documentation per my request from them.

    Business Response

    Date: 06/18/2025

    Torres Credit Services, Inc. ("TCS") was attempting to collect an alleged debt (File No.9434424) forwarded to it from *********** (Account # **********). Attached is the Bill from PECO validating the debt. However, following receipt of this Complaint, as a courtesy to you, TCS has discontinued collection of this account, requested deletion of its trade line from all credit reports and closed its file. Any further questions need to be directed to ****************************** ***************************************** or by calling **************.

    Customer Answer

    Date: 06/21/2025

    [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

     Complaint: 23467302

    I am rejecting this response because:


    Regards,

    **** ******








    Customer Answer

    Date: 06/21/2025

    I do not agree with the response because the debt is not mines. I have never lived in ************. I reside in ********* 

    Business Response

    Date: 06/25/2025

    Torres Credit Services, Inc. ("TCS") was attempting to collect an alleged debt (File No.9434424) forwarded to it from *********** (Account # **********). Since your original complaint didnt include any documentation to substantiate your claim, you will need to contact **** directly to obtain their policy on filing Identity Theft on the account. You can contact them by mail at ****************************** ****************************************** or by calling **************.

  • Initial Complaint

    Date:06/12/2025

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    My name is ******* ******** I need to dispute a bill with ppl I already paid proof is below my ssn *********** etc.

    Business Response

    Date: 06/18/2025

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9466262)forwarded to it from ********************** (Account # **********). Your documentation was forwarded to ********************** for review. *** notified us that the balance $445.22 was written off due to a confirmed Fraud case and you are not being held responsible for the balance. Following receipt of this Complaint, TCS has discontinued collection of this account, requested deletion of its trade line from all credit reports and closed its file. Any further questions need to be directed to **********************, ************************************************************************************************ or by calling **************.

    Customer Answer

    Date: 06/18/2025

    [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

     Complaint: 23459864

    I am rejecting this response because: Send me a letter in the mail stating I am not responsible for it and it was not reported to all 3 credit bureaus and upload it to the bbb too etc.


    Regards,

    ******* ********








    Business Response

    Date: 06/25/2025

    The letter you requested to be sent to you by mail and also to the BBB is attached. The letter will be mailed out to you tomorrow as our mail has already been processed for the day.

    Customer Answer

    Date: 06/25/2025

    [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

     Complaint: 23459864

    I am rejecting this response because: please mail it to me at **********************************************************************************


    Regards,

    ******* ********








    Customer Answer

    Date: 06/30/2025

    Please reopen my complaint it wasnt solve yet etc.

  • Initial Complaint

    Date:05/28/2025

    Type:Sales and Advertising Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    After checking my score on Credit Karma, I noticed a collections account from ********************** on my report. They have been reporting to ********** since January 29, 2025, but I have never had any contact with this company. I have not received a letter, email, or even a phone call. They are reporting that I owe $1156 for a SoCal ****** ****, but I do not, and this debt has never even been validated. After looking up the company, I noticed they dont even have a legitimate website that references being a collections agency. Instead, the website lists services such as help with political campaigns, project management, order processing, and staffing/onboarding. This company appears to be a scam.

    Business Response

    Date: 06/09/2025

    Torres Credit Services, Inc. ("TCS") was attempting to collect an alleged debt (File No. *******) forwarded to it from ******************* ****** (Account # *************. A letter was mailed January 31, 2025, to the address that ************************** had on file, *************************************Apparently, there was not a forwarding order in place. Several attempts to reach you at ************ have gone unanswered. Attached is the Statement confirming the balance due.  Following receipt of this Complaint, TCS has discontinued collection of this account, requested deletion of its trade line from all credit reports and closed its file. Any further questions need to be directed to Southern ***************************************************** P.O. ************************************ or by calling **************.

    Customer Answer

    Date: 06/10/2025

    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

    Regards,

    ****** ******

  • Initial Complaint

    Date:05/13/2025

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Torres Credit Services has placed a collection on my credit report in the amount of $193. They are saying this collection was opened October 18th, 2023 but it was not added to my credit report until May 2025. I have never been contacted by them in an attempt to collect any debt and I do not have an account with them. There is also no phone number, email or website listed online to be able to contact them myself. They are reporting false information and hurting peoples credit.

    Business Response

    Date: 05/16/2025

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9144205)forwarded to it from ********************** (Account # **********). Attached is the Statement confirming the balance due.  Following receipt of this Complaint, TCS has discontinued collection of this account,requested deletion of its trade line from all credit reports and closed its file. Any further questions need to be directed to **********************, ************************************************************************************************ or by calling **************.

  • Initial Complaint

    Date:05/09/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am disputing the validity of the alleged debt reported under my name. I have no contract or agreement with TORRES CREDIT SRV and am not liable for this debt. They have not provided the original agreement I requested. I demand that this account be removed from my credit report immediately.

    Customer Answer

    Date: 05/09/2025

    I never received any communication or documentation from FAIR COLLECTIONS & OUTSOURCING regarding this debt. The account was added to my credit report without my knowledge or consent. I have no contract with them and no record of this debt. I demand it be removed immediately.

    Business Response

    Date: 05/16/2025

    Torres Credit Services, Inc. ("TCS") was attempting to collect an alleged debt (File No. *******) forwarded to it from ******************* ****** (Account #*************.  Attached is the Statement confirming the balance due. Following receipt of this Complaint, TCS has discontinued collection of this account, requested deletion of its trade line from all credit reports and closed its file. Any further questions need to be directed to Southern ***************************************************** P.O. ************************************ or by calling **************.

  • Initial Complaint

    Date:05/06/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    COLLECTION AGENCY is violating the Customer Name, they removed it from one bureau and did not removed it from rest of the bureaus.

    Business Response

    Date: 05/08/2025

    TCS searched its database and is unable to locate an account from the information you provided. Kindly provide TCS with the account number and/or Social Security number for the account you are inquiring about and TCS will research the same.

    Business Response

    Date: 05/08/2025

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9252475)forwarded to it from ********************** (Account # ***********. Attached is the Statement confirming the balance due.  Following receipt of this Complaint, TCS has discontinued collection of this account,requested deletion of its trade line from all credit reports and closed its file. 

  • Initial Complaint

    Date:05/04/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    They are trying to collect on a debt that has been settled, and the amount they are claiming is owed is incorrect. The alleged date is from several years ago, but they just hit my credit report a few days ago, without even attempting to contact me about it either. This has bombed my credit score, and should have never happened as they don't have any legal right to collect on a debt that is settled.

    Customer Answer

    Date: 05/08/2025

    I'm not sure what other information would be helpful. When I checked my credit report a few days ago, it showed that torres collection reported an alleged debt from July of 2024 in the amount of $1459, and the debt was originally owed to the power company. I have a payment plan with said power company but am not behind on payments, and the amount I owed them was not what torres is claiming. 

    Business Response

    Date: 05/16/2025

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9295763)forwarded to it from ********************** (Account # ***********.  ********************** has advised TCS that the balance on this account, ************* transferred to an account that you had established. Following receipt of this Complaint, TCS has discontinued collection of this account, requested deletion of its trade line from all credit reports and closed its file. 

  • Initial Complaint

    Date:05/03/2025

    Type:Sales and Advertising Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    On May 5 2025 I noticed I had a recent collection of $1077 by this company torres credit services . I do not know how that company obtained my information, The collections account was opened on February 24 2025.I know absolutely nothing about this debt. I do not owe this debt. This collection account hurt my ********************** and it has to get removed and fixed.

    Customer Answer

    Date: 05/05/2025

    I do not know what debt this is. I never received any letter or warning of such debt. And now its hurting my credit. 

    Business Response

    Date: 05/09/2025

    Torres Credit Services, Inc. ("TCS") was attempting to collect an alleged debt (File No. *******) forwarded to it from Commonwealth ****** (Account # ***********. Attached is the Bill confirming the balance due. A letter was mailed to ******************************************* on 2/24/2025 and several calls were made to **************, with no response. Following receipt of this Complaint, TCS has discontinued collection of this account, requested deletion of its trade line from all credit reports and closed its file. 

    Customer Answer

    Date: 05/10/2025

    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

    Regards,

    ********* *****

  • Initial Complaint

    Date:04/22/2025

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    On 4/22/2025 i received an alert from the credit bureau notifying me that on 4/17/2025 Torres Credit Services reported a balance of $313 on my credit without verifying the debt or contacting me in any way. I have yet to receive contact from this collections agency to provide proof of the debt or information on this collection. No validation notice was sent to me. I believe that this debt is not mine, or I believe the amount reported is incorrect. I am requesting that you immediately cease all reporting of this debt to credit bureaus until you have properly validated the debt and provided me with the necessary documentation.

    Customer Answer

    Date: 04/23/2025

    The creditor that shows up on the credit report is *************************** 

    Business Response

    Date: 05/08/2025

    Torres Credit Services, Inc. ("TCS") was attempting to collect an alleged debt (File No. *******) forwarded to it from ******************* ****** (Account #*************.  Attached is the Statement confirming the balance due. Following receipt of this Complaint, TCS has discontinued collection of this account, requested deletion of its trade line from all credit reports and closed its file. 

This business has applied for BBB accreditation.

pending BBB accredited business seal

Torres Credit Services, Inc has applied for accreditation with BBB, and our initial review has found it to meet the BBB Accreditation Standards. Accreditation is pending consideration by the BBB Board of Directors, as required by BBB policy.

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