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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.
  • 54 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:02/18/2025

    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.
    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 requested.

    Business Response

    Date: 03/04/2025

    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. 

  • Initial Complaint

    Date:01/30/2025

    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 account was settled with this creditor. this account should no longer be on my credit report! Id like this removed from my credit report and no further dealings with this creditor.

    Business Response

    Date: 02/06/2025

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No.9355761)forwarded to it from ************** (Account # ***********.  Attached is the Bill & Statement from ************** validating the debt. However, following receipt of this Complaint, as a courtesy to Complainant, TCS has discontinued collection of this account, requested deletion of its trade line from all credit reports and closed its file. Any questions you have regarding this account should be directed at ************** at **************.

  • Initial Complaint

    Date:01/30/2025

    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.
    First call to this agency I was told my Social Security number was NEEDED as the only way to pull up my account. I said I was not comfortable sharing it, and was told that I HAD TO provide it. On my second call, they did it not need it. I am highly suspicious of identity fraud from the agent who took my first call. I was not provided with any proof of payment.

    Business Response

    Date: 02/06/2025

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9334782)forwarded to it from Commonwealth ****** (Account # ***********.  On January 30, 2025, you contacted TCS to make a payment of $117.72 by credit card. The credit card was processed on January 31, 2025, and your account was updated to PIF. TCS requested deletion of its trade line from all credit reports at that time and closed its file. 

  • Initial Complaint

    Date:01/25/2025

    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 just got an alert on my credit monitoring app that this company opened a credit account in my name. I did not recognize this company or the amount charged so I googled it and saw it is a collection company! I do not pay bills late let alone not pay them at all so whatever this is is fraudulent or a mistake in their system. I have not received any kind of call or piece of mail asking me to pay some outstanding bill from this company, how is anyone supposed to rectify something they're not aware of?? I am reporting them here and through my credit monitoring agency for fraud.

    Business Response

    Date: 02/03/2025

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9324987)forwarded to it from Commonwealth ****** (Account # **********).  Attached is the Bill provided by ******************* confirming the balance due.  The service address is ************************************ a letter was mailed to ****************************************************************************************** on 9/18/2024 and not returned by the ************ TCS tried several times to contact you by phone at ************ 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. Any questions need to be directed to Commonwealth ****** at **************.

  • Initial Complaint

    Date:01/25/2025

    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.
    Torres Credit Services (TCS) has placed a collection account on my ********************** report without notifying me or providing any opportunity to validate the alleged debt. This is a direct violation of the Fair Debt Collection Practices Act (FDCPA), which requires collection agencies to notify consumers of their rights and allow for debt validation before reporting debts.I have no record of this debt and have never received any communication from TCS. The alleged debt was reported to the credit bureaus without my knowledge or proper validation. This failure to follow ***** guidelines has severely damaged my credit score, causing unnecessary financial stress and jeopardizing my ability to secure future credit or ******** this account was reported without adherence to legal requirements, I demand the immediate removal of this account from my ********************** reports. I also request written confirmation that the trade line has been deleted and that no further collection efforts will be made regarding this matter.This has caused significant harm to my financial stability, and I expect a prompt resolution to minimize further damage.

    Business Response

    Date: 02/03/2025

    Torres Credit Services, Inc. ("TCS") was attempting to collect an alleged debt (File No. *******) forwarded to it from ******************* ****** (Account # *************.  Attached is the Statement provided by ************************** 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 California ****** at **************.

    Customer Answer

    Date: 02/05/2025

    [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:01/14/2025

    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.
    First off .. there is no contract between Torres credit service and I .. of so please provide proof... 2nd the reporting shows a balance and me being current... Which one is it .. please remove all reporting from my report.

    Business Response

    Date: 01/15/2025

    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. 

  • Initial Complaint

    Date:01/11/2025

    Type:Customer Service 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 not liable with. Southern California ******* I do not have a contract with Torres Credit SRV. They did not provided me with the original contract as requested.

    Business Response

    Date: 01/15/2025

    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. 

  • Initial Complaint

    Date:01/06/2025

    Type:Customer Service 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 not liable for this debt with ************ UTILITIES 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: 01/13/2025

    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

  • Initial Complaint

    Date:01/03/2025

    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.
    I just checked my credit report on 1/2/2025 and it seems that TORRES CREDIT SERVICES is claiming I opened something on September 30 2024 in the amount of $4534 and I did not. I have no affiliation with this company at all.

    Business Response

    Date: 01/13/2025

    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. 

  • Initial Complaint

    Date:12/30/2024

    Type:Customer Service 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 not liable for this debt with ppl electric utilities, I do not have a contract with Torres credit services, they did not provide the original contract as I have requested.

    Business Response

    Date: 01/06/2025

    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.

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