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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:12/28/2024

    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 had an outstanding $635 bill with Southern California ******* which I assume was sent to Torres Credit because I suddenly have a **** on my credit score for owing $635 to them. They have never contacted me or returned my calls, and the **** is still showing on my credit score even though I paid my outstanding bill with ******* Very scammy, and they have marred my credit without cause.

    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 # *************.  Payment in full was received by Southern California ****** on December 28, 2024, and reported to TCS on December 30, 2024. At that time, TCS stopped collection efforts on this account,and requested deletion of its trade line from all credit reports and closed its file. 

    Customer Answer

    Date: 01/06/2025

    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,

    Caitlyn Macrery

  • Initial Complaint

    Date:12/22/2024

    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.
    Received an email that a derogatory **** had been added to my credit report. Checked it to find Torres Credit Services had reported a debt for $545. This is the first I have heard of this. As of this complaint, Torres Credit Services has not contacted me by any means regarding any debts. Seems this is a common thing for this company report debts and ruin peoples credit scores. I would like this removed from my credit report immediately.

    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. 

  • Initial Complaint

    Date:12/13/2024

    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 says I owe them $664 from **********, it's effecting my credit and I'm trying to buy a house. I was never notified about any of this until I pulled my credit report and it was good 6 months ago. So, instead of going after the person who used my info, I'm stuck explaining some ******** that has nothing to do with me... Credit is the biggest f****** jew scam in the world.

    Business Response

    Date: 12/24/2024

    Torres Credit Services, Inc. ("TCS") was attempting to collect an alleged debt (File No. *******) forwarded to it from ******************* ****** (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. You will need to contact Southern California ******, General Business Customer Service,P.O. *********************************** or by phone at ************* and provide a Police Report, ID Theft Report and other documents in order for this account to be closed in their office as Fraud.

  • Initial Complaint

    Date:12/10/2024

    Type:Sales and Advertising 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.
    Never have I had a transaction with this company I dont want this on my credit report. It is affecting my credit. This company is a scam

    Business Response

    Date: 12/19/2024

    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:12/09/2024

    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.
    On July 8th, 2024, Torres Credit Services had reported a delinquent amount that I owe to **************************************. I do not owe any money to this company and I have never been contacted whether through mail, phone, or IMS. This has now shown up in my credit report and caused a major fall in my credit score I have worked hard to maintain my adult life. I am requesting them to delete any account and reporting of a false amount being owed as soon as possible.

    Business Response

    Date: 12/12/2024

    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. 

    Customer Answer

    Date: 12/12/2024

    [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:12/07/2024

    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 I requested.

    Business Response

    Date: 12/12/2024

    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:12/05/2024

    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, Inc. sent me some fraudulant and suspicious request to pay a debt to Members 1st *** for a "closed" account....that is not closed. When I wrote back requesting information, and contract for said account, I got another response that looks like a 5th grader wrote it on ********* word. Torres Credit Services *** failed to contact me before reporting the alleged debt to the credit bureaus. To my understanding, I should have received phone call or letter by mail prior to them reporting. This disregard for due process and failure to provide proper notice violates the Fair Debt Collection Practices Act (FDCPA) and other relevant consumer protection laws. The derogatory **** on my credit report, as a result of Torres Credit Services, Inc. 's actions, has had a significant negative impact on my creditworthiness. In light of the above, I kindly request that the Better Business Bureau investigate this matter thoroughly; I believe their actions are not only a violation of fair debt collection practices but also indicative of deceptive practices that can harm consumers.

    Business Response

    Date: 12/19/2024

    Torres Credit Services, Inc. ("TCS")was attempting to collect an alleged debt (File No. *******) forwarded to it from Members 1st Federal Credit Union (Account # ***********). Attached is the Statement confirming the balance due.  Following receipt of this Complaint, TCS has discontinued collection of this account and closed its file. At no time did TCS report this trade line to your credit report

    Customer Answer

    Date: 12/19/2024

    [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:11/28/2024

    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 WAS SENT TO COLLECTIONS ON A BILL THAT I WAS NOT AWARE OF. I HAVE NOT EVER USE ****** AS MY GAS COMPANY. I HAVE BEEN WITH DWP ALL MY LIFE. SO I DON'T KNOW ANYTHING ABOUT THIS TORRES COMPANY AND HOW THEY GOT MY INFO. I DISPUTED THIS WITH EXPERIAN ALREADY. PLEASE HELP.

    Business Response

    Date: 12/11/2024

    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, and closed its file. At no time has TCS reported this tradeline to your credit file.

  • Initial Complaint

    Date:11/07/2024

    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.
    According to the negative on my credit, it is from **************************, a **************************. It states it was opened in the past 2 months. I have lived in ******** since January, 2019 and have NOT opened any account with ************************** in over 5 years. The negative on my Credit Score does NOT give an Account Number or a Service Address or even a date the account was opened. This negative was put on my credit purely from my name, nothing else. When I call Torres, they cannot give me any information unless I give them my Social Security Number, which I will NOT due, since they would then have it to attach to the collection.

    Business Response

    Date: 11/07/2024

    Torres Credit Services***** ("TCS") searched its database and is unable to locate an account with the information you provided. Kindly provide TCS with a copy of the tradeline on your credit file, the last 2 digits of your Social Security number or the $amount for the account you are inquiring about and TCS will research the same.

  • Initial Complaint

    Date:11/04/2024

    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 received a notice in the mail from Torres Credit Services, inc. regarding a balance I owed to *********************** for an old account that I had stopped services on months ago (Account # ***********, threatening to send me to collections. Aside from not sending me any initial notices or trying to reach out to me by phone call, I already paid the outstanding balance to the original creditor. Please stop any collection of this account or I will be taking legal action. Client ID# *******

    Business Response

    Date: 11/06/2024

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9346090)forwarded to it from Commonwealth ****** (Account # ***********.  On November 6, 2024, ******************* reported that you had paid them $186.31 on November 4, 2024, which paid your account in full. At no time has TCS reported this account to your ********************** file.

    Customer Answer

    Date: 11/06/2024

    [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,

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

This business has applied for BBB accreditation.

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