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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:10/22/2024

    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.
    15 U.S.C 1681 b I didnt authorize this transaction to be put on my credit report.This company is in violation of ****

    Customer Answer

    Date: 10/23/2024

    I have no information to provide I never had any

    Credit account with this company I monitor my credit report I discovered this on my credit report.

    Business Response

    Date: 11/02/2024

    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:10/21/2024

    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 am not liable for this debt with So *** ****** and I do not have a contract or agreement with Torres Credit Services. Please delete this account from my consumer credit reports IMMEDIATELY because I did not authorize them and I do not recognize them. Also because I have never entered into an agreement or a contract with Torres Credit Services, this makes account ******* a fraudulent account, inaccurate reporting to my consumer credit report and a violation of my consumer rights under the **** and the ****** This fraudulent account reporting is hurting my ability to obtain credit and is damaging my financial reputation. I demand that all forms of communication from Torres Credit Services to cease and for this account to be deleted from my consumer credit reports.

    Business Response

    Date: 10/23/2024

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9260117)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:10/20/2024

    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.
    Fraud

    Business Response

    Date: 10/23/2024

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9298186)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:10/19/2024

    Type:Service or Repair 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.
    They opened a new collection account dropping my score by 56 points. The supposed collector is a bill dismissed under rule 17 from Sourhern California ******* This was fixed and closed 7/16/2023. I have the conversations from *** about rule 17 which states if they forget to bill a client for charges they cant go back, they. An only ask for 90 days of payments regardless of fault (which was theirs) I had setup automatic payments. So how could I miss 8 months and nobody noticed? Its because THEY never billed me. No surprise they sold it off to a crappy collection agency. My score was 823. All bills paid on time every time and now this c*** Remove this from my report now.

    Business Response

    Date: 10/23/2024

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9302680)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: 10/23/2024

    [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:10/19/2024

    Type:Service or Repair 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 constantly watch my credit to ensure there are no fraudulent accounts, collections, etc. and just recently I found a collections account on my ********************** report from Torres Credit Services for the amount of $1053.00. Firstly, there is no documentation to state this account belongs to me. Secondly, just out of no where it appeared on my credit report, no account number, or other identifying information. The **** must be put on the companies placing collections accounts on individuals credit reports to have all supporting documents, bills, original company itemized account info.; the burden of proof must be placed on these types of companies.I looked this business up and the only thing that came up was a very skeptical address and phone number - no website. In our current society, almost every business has a website. I believe this company is a fraud trying to scam people out of their money and cause undue stress. I expect this account to be removed from my credit reports.

    Customer Answer

    Date: 10/21/2024

    The complaint is for an erroneous collections account on my ********************** report - not a Repair. I checked my credit report and saw that a collections account in the amount of $1053 was added to my credit report. I have no bills past due or anything pending that would result in such an outcome. 

    My desired outcome is for the collections account to be removed from my credit report!

    Business Response

    Date: 10/23/2024

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9302382)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: 10/25/2024

    [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:10/18/2024

    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.
    Torres Credit Servuxes has shown up on at least one of my credit reports. I have received no correspondence from this company relating to this account. I have no outstanding balances with any companies that arent already included on my credit reports. The amount of the collection account is close to $1,000 and is outrageous. The original creditor lists the same name as the collection company, Torres Credit Services. I have disputed the debt with **********. I would like this company to take immediate action and remove itself from my credit reports. Its not legitimate and is hurting my credit score

    Business Response

    Date: 11/02/2024

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9304677)forwarded to it from ****************** (Account #*************.  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. 

  • Initial Complaint

    Date:10/18/2024

    Type:Delivery 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.
    Received notice in the mail for debt collection from Torres Credit Services for may 30, 2024 for a ************ The ************** was closed April 30 2024 and last payment was made to ********** 2, 2024. This is a fraudulent debt collection as the account was no longer active at that time.

    Business Response

    Date: 10/23/2024

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9337606)forwarded to it from Commonwealth ****** (Account # **********). On October *******, the balance of $22.20 was paid in full to *******************. On October 23, 2024, ******************* reported the payment to TCS. This account was closed in our office today. At no time has TCS reported this account to your ********************** file.

    Customer Answer

    Date: 10/23/2024

    [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:10/11/2024

    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 a collection notice from the company indicating that we owe $38.98 for a ComEd utility bill with reference to account # **********. However, we never had such account and confirmed as such with ComEd directly. This appears to be a fraudulent claim.

    Business Response

    Date: 10/15/2024

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9334355)forwarded to it from Commonwealth ****** (Account # ***********.  You paid this account in full by ********************** card on October 15, 2024. At no time has TCS reported this to your credit file. This account is now closed in our office.

  • Initial Complaint

    Date:10/01/2024

    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: 10/14/2024

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9276598)forwarded to it from ***************** (Account # *************.  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. 

  • Initial Complaint

    Date:10/01/2024

    Type:Product 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.
    April 3rd 2024 paid the remaining balance on the ComEd bill and stopped ********** communication or outreach has been made to collect any money or outstanding bills.

    Business Response

    Date: 10/08/2024

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9326364)forwarded to it from Commonwealth ****** (Account # ***********.  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. 

    Customer Answer

    Date: 10/09/2024

    [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 ********. I was able to get in touch with ComEd and confirm this information but will be awaiting a final bill from ComEd and not the Debt Collecting company.

    Regards,

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

This business has applied for BBB accreditation.

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