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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:10/01/2024

    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.
    I had an account with so *** ****** back in 2023 and after we moved we made a last payment to them on the phone and spoke to the representative and made sure there was no additional charges they said our account was paid in full. Now exactly a year later this company pops up out of the blue never even heard of them saying we owe so *** ****** still when I have a balance of $0 on my account when I log in. This company has never even reached out we never even heard from them or about them. Just another scam credit company looking to make quick cash and super unprofessional.

    Business Response

    Date: 10/08/2024

    Torres Credit Services, Inc. ("TCS") was attempting to
    collect an alleged debt (File No. 9288840) forwarded to it from Southern
    California Edison (Account # 700104475209). On July 22, 2024, a letter was mailed
    to 630 Ridgeway Lane, La Habra, CA 90631 and several phone calls have been made
    to 562-242-4485 since that date. 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:09/19/2024

    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'm not liable for this debt with Common Wealth ******* I do not have a contract with this collection agency (Torres Credit Service) they did not provide me with the original contract as i requested

    Business Response

    Date: 09/26/2024

    Torres Credit Services, Inc. ("TCS") was attempting to collect an alleged debt (File No. *******) forwarded to it from Commonwealth ****** (Account # **********).  On September 5, 2024, ********************** recalled this collections account.  ******************** closed its file and requested the deletion of its tradeline from your credit report.  This process may take the credit reporting agencies several weeks to process.

    Customer Answer

    Date: 09/26/2024

    [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:09/17/2024

    Type:Customer Service 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 previously requested

    Business Response

    Date: 09/26/2024

    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: 09/26/2024

    [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,

    Jynei *******-*****

  • Initial Complaint

    Date:09/09/2024

    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.
    This account was opened on May 24, 2024 for a service or product that I am unaware of. When I called the company (Torres Credit Services) they would not give me any information on what the collections was for nor who the original creditor was. I asked the to send me information in writing and the declined to send any information. I also informed them that this is fraudulent activity and it needs to be removed from my credit and they informed me there is nothing they can do, and I better pay it off because the will not remove it from my credit. Again, I have no knowledge of an account with this company.

    Business Response

    Date: 09/16/2024

    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:09/09/2024

    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 SOUTHERN CALIFORNIA ******* I do not have a contract with TORRES CREDIT SRV, they did not provide me with the original contract as requested.

    Business Response

    Date: 09/10/2024

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9263238)forwarded to it from ******************* ****** (Account # *************. On September 9, 2024, ******************* ****** notified TCS that you had paid $407.55 on September 8, 2024, bringing your balance to zero. Following receipt of this Complaint, TCS has requested deletion of its trade line from all credit reports. 

    Customer Answer

    Date: 09/10/2024

    [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:09/08/2024

    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.
    Torres credit services opened a credit line that shows on my credit report for a debt I do not owe. I stopped service at an apartment upon move out and continued to be billed by ************. I called them numerous times trying to rectify the situation and negotiate with them but they wouldnt fix their problem and sent it to this collections company instead. This is fraudulent and needs to be removed from my credit report immediately.

    Business Response

    Date: 09/13/2024

    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. Southern California ****** has no record of any calls after the account was closed. You will need to contact Southern California ****** at ************** to find out what information they would need to adjust the balance on your 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. 

    Customer Answer

    Date: 09/18/2024

    [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:09/07/2024

    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 Southern California ******* I do not have a contract with Torres Credit SRV, they did not provide me with the original contract as requested.

    Business Response

    Date: 09/10/2024

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9278091)forwarded to it from ******************* ****** (Account # *************. We received notification from ******************* ****** on September ******, that you paid $207.90 to them on September 7, 2024, bringing your balance to zero. Following receipt of this Complaint, TCS requested deletion of its trade line from all credit reports. 

    Customer Answer

    Date: 09/10/2024

    [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:09/06/2024

    Type:Customer Service 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 southern California ******* I do not have a contract with Torres credit service, they did not provide me with the original contract as I requested

    Business Response

    Date: 09/10/2024

    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: 09/13/2024

    [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:09/05/2024

    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 SRV, they did not provide me with the original contract as requested.

    Business Response

    Date: 09/11/2024

    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, requested deletion of its trade line from all credit reports and closed its file. 

  • Initial Complaint

    Date:08/28/2024

    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.
    Torres credit srv is claiming that I owe common wealth eddison $687 it hit my credit score for over **************************************** relation to this debt and have no idea what its about. I have not had a common wealth eddison account in over 5 years.

    Business Response

    Date: 09/05/2024

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9256903)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: 09/05/2024

    [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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