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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:08/28/2024

    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.
    Im not liable for this debt with Diversified Adjustment Services. I do not have a contracts with the above collection agency. They did not provide me with the original contract information as requested.

    Business Response

    Date: 09/09/2024

    Your dispute names Diversified Adjustment Services. Torres Credit Services, Inc doesnt manage accounts for Diversified Adjustment Services. You will need to contact Diversified Adjustment Services to dispute your account.
    ******************** has an account that was recently recalled by *********** (Account #***********.  At the time that the account was closed in our office, a request for the deletion of its trade line from all credit reports was made. This could take the credit reporting agencies several weeks to complete. 

  • Initial Complaint

    Date:08/27/2024

    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 10 ****************** I do not have a contract with TORRES CREDIT SERVICES,INC, they did not provide me with the original contract as I requested

    Business Response

    Date: 09/05/2024

    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: 09/05/2024

    [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. 
    Due to not having a contract with Torres credit services and them agreeing to remove the item off credit report . 
    Regards,

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

  • Initial Complaint

    Date:08/15/2024

    Type:Product 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 recently looked at my credit report and I have some thing from Torres for $795. Ive never been contacted by them. Ive never received an email or Mail from them. I tried to reach them and they dont have an email address online. I would like this removed from my credit report or to have proof of this collection and its origins mailed to me certified.

    Business Response

    Date: 08/20/2024

    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:08/12/2024

    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 ppl. I do not have a contract with Torres credit services. They have not provided me with the original contract as requested.

    Business Response

    Date: 08/20/2024

    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:08/07/2024

    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.
    I noticed a derogatory **** on my credit file. It was Torres Credit Services. First off the debt they are saying is mine is NOT. The creditor that sold it to them I have never done business with and I was never contacted by. I was also NEVER contacted by Torres Credit Services. This is fraud and unethical. I have filed a report with my local law enforcement agency and also with the **** I want the collection removed from the credit agencies immediately. The account number for the collection on my ********************** report is ******X.

    Business Response

    Date: 08/08/2024

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9157754)forwarded to it from Commonwealth ****** (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. The FTC Identity Theft report has been forwarded to Commonwealth ****** for review.

  • Initial Complaint

    Date:08/04/2024

    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.
    According to the **** The term "investigative consumer report" means a consumer report or portion thereof in which information on a consumer's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100% Accurate.And according to the **** 15 USC 1681 everything has to be 100% Accurate. I have no knowledge of this account . Please remove from all 3 credit bureau

    Business Response

    Date: 08/08/2024

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9248097)forwarded to it from Commonwealth ********* (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. The FTC Identity Theft Report was forwarded to Commonwealth *********.

    Customer Answer

    Date: 08/08/2024

    [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:08/01/2024

    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.
    In May 2024, my credit report was affected due to Torres Credit Services reporting a "new collection account" to my report. I have not been contacted by the company nor was I aware of any such attempt. AFTER doing my own investigation, I saw that TCS "opened" an account and then did a collection account and reported both to my report. While I understand my particular situation may not pertain to others, the company is to reach out in an attempt to collect this debt if not through call then through notice via mail. None of that has taken place and I am requesting that they remove their accounts off my report.

    Customer Answer

    Date: 08/05/2024

    It is a electric bill that I had already been trying to take care of. The electric company filed their own status on my credit report. This company did not contact me to advise that they were retained to collect funds. I just saw it appear on my report and now it shows 2 times.

    Business Response

    Date: 08/08/2024

    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:07/31/2024

    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.
    I am writing to file a formal complaint against Torres Credit Services, Inc. for their unethical and unjustified actions regarding my credit report. The following details outline the issues I have encountered:No Prior Relationship or Documentation: I have never done business with Torres Credit Services, Inc., nor have I had any accounts or financial dealings with them. I have not received any documentation or communication from them regarding the alleged debt they claim I owe. Their actions are based on an account that is completely unfamiliar to me, and no information has been provided to validate the existence or nature of this debt.Lack of Communication: Torres Credit Services, Inc. failed to contact me before reporting the alleged debt to the credit bureaus. According to the Fair Debt Collection Practices Act (FDCPA) and other relevant consumer protection laws, I should have received a phone call or a letter by mail prior to any negative reporting. This disregard for due process and failure to provide proper notice is a violation of the FDCPA.Continual Updates: Torres Credit Services, Inc. has continued to update this entry on my credit report to make it appear more recent. This manipulation is intended to amplify the negative impact on my credit score, which is both deceptive and harmful.In light of these concerns, I kindly request that the Better Business Bureau conduct a thorough investigation into the practices of Torres Credit Services, Inc. Their actions not only violate fair debt collection practices but also reflect deceptive practices that can severely harm consumers.Please note that I am prepared to pursue legal action if this matter is not resolved promptly and satisfactorily.Thank you for your attention to this serious matter. I look forward to your prompt response and resolution.Sincerely,*******************************

    Business Response

    Date: 08/05/2024

    Torres Credit Services, Inc.("TCS") was attempting to collect alleged debts (File No. ******* and *******) forwarded to it from ***************** (Account #************ and # ************).On May 6, 2024, one of our agents called the phone number listed on the account, which is the same phone number you have listed on the BBB and was told not to call the number again. At that time, we removed your phone number from our calling list. Attached are the Bill copies confirming the balance due. Following receipt of this Complaint, TCS has discontinued collection of these accounts, requested deletion of its trade line from all credit reports and closed its files. 

    Customer Answer

    Date: 08/05/2024

    [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: 22072658

    I am rejecting this response because:
    Yes you did call me on May 6 2024 and I have the screenshots attached. It was 7:29am. This is a clear violation of the fdcpa. 

    Regards,

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








    Business Response

    Date: 08/08/2024

    Per the ****** a debt collector has the right to communicate with a consumer between the hours of 8am to 9pm, local time to the consumers location. The area code for the phone number ************ which UGI had provided to us as contact phone number for you, is an East Coast area code. The address on the account is in the Eastern Standard Time zone. We dial Phone numbers according to the area code that they are in. We were not notified that the phone number was in a different time zone. 

  • Initial Complaint

    Date:07/24/2024

    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 SOUTHERN CALIFORNIA EDISON * I do not have a contract with TORRES CREDIT SERVICE * They did not provide me with the original contract as requested and they are not authorized to collect debt in my state* Continuing to report this debt on my report is a violation of the Fair Debt Collection Practices Act (FDCPA) and my consumer rights*

    Business Response

    Date: 08/01/2024

    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. 

  • Initial Complaint

    Date:07/18/2024

    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.
    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 me with the original contract as requested.

    Business Response

    Date: 07/23/2024

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