Skip to main content

We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Collections Agencies

Torres Credit Services, Inc

This business has applied for BBB accreditation.

Complaints

Customer Complaints Summary

  • 134 total complaints in the last 3 years.
  • 55 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.

Sort by

Complaint status

Complaint type

  • Initial Complaint

    Date:07/28/2025

    Type:Billing 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 filing this complaint against Torres credit services for multiple unlawful and ongoing violations of the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. Torres Credit Services has furnish** inaccurate and misleading information to ********** regarding a debt I was told by Com ** they alleg**ly purchas**. This reporting is materially false and has caus** me both financial and emotional harm including direct interference with my current application for mortgage financing. I have never done business with Torres in any capacity, nor have I been notifi** by Torres of this debt in any manner by email, mail or phone. Yet Torres unlawfully without notice report** a derogatory collection/charge-off to Transunion. Torres fail** to send a written notice within 5 days of their first communication as requir** by FDCPA -809(a) 15 USC -1692g(a). I receiv** no written notice of debt validation which is a clear violation of f**eral law. Torres is inaccurately claiming I open** an account with Com ** on 4-15-25 and the account was clos** on *******. This is inaccurate I did not have an existing Com ** account in my name at that time. This error damages the accuracy and cr**ibility of the data being report**, violating 15 USC 1692e(2)(A): False representation of the character, amount or legal status of the debt. Torres is also unlawfully reporting my name to have a middle initial, legally my name does not identify with a middle initial. This is a misrepresentation of my identity, can lead to identity theft and is in violation of 15 USC 1681e(b) and 15 USC 1681 s-2(a)(1)(A). The collection/charge-off Torres report** from 4-15-25 to 6-25-25 was fraudulent. Reporting a collection/charge-off in 2 months constitutes false representation under FDCPA 1692e (2) and furnishing of information known to be false under 15 USC 1692e (8). The $462.00 is also inaccurately furnish** by Torres in violation of 15 USC-1681e(b): Failure to ensure maximum possible accuracy.

    Business Response

    Date: 07/28/2025

    We are unable to open the first and last attachments on this complaint. Please have consumer resend those attachments.

    Customer Answer

    Date: 07/30/2025



     Complaint: 23662300

    I am rejecting this response because:

    This email is in direct response to my initial complaint/dispute filed against Torres Credit Services on 7-27-25. Torres said they could not see anything in the 1st and last link, last link being the 5th. To resolve this matter the 5th link was invalid due to it being an auto generated file error. The 1st link was supposed to be my Transunion report proving that I am not **** P ******. Now in the attachment below pdf 1 is the original link of the Transunion credit report I attempted to provide in my first complaint/dispute proving the information Torres credit Services provided is grossly inaccurate. Legally I have never identified to the government as **** P ******, I have never carried a middle initial in my name and I don't know who **** P ****** is. Torres is falsely misrepresenting my identity, false or deceptive representation in the course of collecting a debt is a clear violation of  FDCPA 15 USC 1692e(10). Therefore I believe the name, balance, dates and ownership of this account are incorrect and request this tradeline be marked as disputed in accordance with the Fair Credit Reporting Act (15 USC 1681s-2(a)(3) due to their legal obligation. Torres is also in violation of CFPB Regulation F -12 CFR 1006.34(c)(2)(ii): Providing false or misleading identity information in required disclosures.


    Regards,

    **** ******








    Business Response

    Date: 08/04/2025

    Torres Credit Services, Inc. ("TCS") was attempting to collect an alleged debt (File No. *******) forwarded to it from Commonwealth ****** (Account # **************** account is owned by *******************. TCS is only trying to collect the balance due on account.  A letter was mailed on April 15, 2025, to ************************************************************, with no response from the consumer.  The service was disconnected on July *******, and the last payment was made on March 26, 2024. Attached is the Bill 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 *************************** P.O. ********************************************* or by calling **************.

    Customer Answer

    Date: 08/05/2025

    [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:07/27/2025

    Type:Delivery 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 a victim of fraud. I never did any business with this company. I am asking to remove the inquiry appear in my creditaccountASAP. Date opened Mar 26, 2025.

    Business Response

    Date: 08/04/2025

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9433566)forwarded to it from ********************** (Account # **********).  All documentation received from you was forwarded to ********************** for their review. Per ********************** you have not contacted them directly to report the fraud. You need to call them at ************** to discuss ************* fraud process and what they will require to start an investigation on this account. 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:07/12/2025

    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 activity. I don't owe this debt. Fraudulently put on my credit report

    Business Response

    Date: 07/25/2025

    Torres Credit Services, Inc. ("TCS") was attempting to collect an alleged debt (File No. *******) forwarded to it from Commonwealth ****** (Account # ***********. You paid this account in full to Commonwealth ****** on July 14, 2025. Following receipt of this Complaint, TCS has requested the deletion of its trade line from all credit reports and closed its file. Any further questions need to be directed to *************************** P.O. ********************************************* or by calling **************.

  • 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:07/01/2025

    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 or about May 2025, a collection agent came to a relative house looking through the windows asking for ***** ****. My relative advised the person to quit looking into her house through the windows and leave immediately. I then contacted Torres Credit Services asking for any proof that this was my account and have not been contacted but to find it is outstanding on my credit report. I would like this removed from my account.There is no account number associated with the file, just staing its from Southern California ****** for $1477

    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.  At no time has a collection agent from TCS ever knocked on someones door looking for a debtor. There is no record of you contacting TCS to discuss the account. 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:06/27/2025

    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.
    This was brought to my attention by my Bank that Torres Credit Services Hit my Report and Tanked my score...Who Are these people?? I have Never heard of them and never contacted by them either. I WANT THIS REMOVED!! They have no right as I have No Idea what its about or who they are!!

    Business Response

    Date: 07/07/2025

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9445988)forwarded to it from ********************** (Account # **********).  A letter was mailed to you on 4/15/2025 to ****************************************************,with no response. 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: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 **************.

This business has applied for BBB accreditation.

pending BBB accredited business sealMore InformationWhy choose a BBB Accredited Business?

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.