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Business Profile

Collections Agencies

Torres Credit Services, Inc

This business has applied for BBB accreditation.

Complaints

Customer Complaints Summary

  • 133 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: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.
    They are reporting a debt that was discharged under my chapter 7 Bankruptcy as due and owing.

    Business Response

    Date: 07/23/2024

    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:07/17/2024

    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 **** with charter communications, I do not have contract with TORRES CRDIT, they did not provide me with the original contract as i requested.

    Business Response

    Date: 07/23/2024

    Torres Credit Services,Inc. ("TCS") was attempting to collect an alleged debt (File No. 9183709)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: 07/23/2024

    Correction to my credit report,
    I demand this account be removed
    from credit report

  • Initial Complaint

    Date:07/14/2024

    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.
    On July 13th, 2024 I got an email from my bank saying my credit score had dropped 36 points in one day due to a derogatory **** from a collections agency. I was in shock and decided to investigate. Upon finding the name Torres Credit services, it showed me that I owed money from an electric bill in **********. I moved out of state in 2021, hence my confusion. It says I had an unpaid bill for which I had originally set up automatic payments before having the account closed/inactive. Apparently these may have not gone through and without any notice continue to charge me without running any payment. I am now in communication with the company in hopes I can resolve this however my credit score has taken a major hit. Torres credit services made 0 effort in contacting me in any form and destroyed my credit history in 24 hours.

    Business Response

    Date: 07/16/2024

    Torres Credit Services,Inc. ("TCS") was attempting to collect an alleged debt (File No. 9238980)forwarded to it from Southern California ****** (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:07/13/2024

    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 Services added a derogatory **** to my credit report stating that as of July 11th 2024 I owe them $2,283. I have never heard anything from them, *** never heard of them, and I have zero knowledge of a debt totaling $2,283. I want this fraudulent charge taken off my credit report entirely, and I want to file a formal complaint against them for adding this fraudulent charge to my credit report. They have never once tried to contact me about this debt that I supposedly owe them!

    Business Response

    Date: 07/16/2024

    Torres Credit Services,Inc. ("TCS") was attempting to collect an alleged debt (File No. 9238702)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:07/10/2024

    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 derogatory **** on my credit report from Torres Credit- i have never gotten a notification from them and i do not owe a credit to them - they are completely false. Cannot get ahold of anyone to get this resolved

    Business Response

    Date: 07/16/2024

    Torres Credit Services, Inc. ("TCS") was attempting to collect an alleged debt (File No. *******) forwarded to it from Commonwealth ****** (Old Account # **********, New 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: 07/16/2024

    [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:07/04/2024

    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 writing this to complaint against Torres Credit Services, Inc. I find there are a collection on my credit report from Torres credit company , and original creditor is **************************, so I contacted ******, them told me someone use my information to open an account: ************, and the bill of address is *************************, I am sure I have never lived in this place, and I have never opened this account, so this is identity theft. So at first time,I find policemen, and get a police report file form the officer, and I send the police report file, and the proves(my tax return 2022-2023, and bank statements)Complete addresses for the past two years to Torres and original creditor ****** by email, but now the collection is still on my credit report,I am very angry and disappointed about Torres, first, they put an account for collection from the ****** on my credit report without contacting me or validating the debt,I didnt receive any mails ,emails, phone calls, 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 ,If they would have contacted me first, I could have easily proved it was Identity theft.Generally , I kindly request that the Better Business Bureau investigate this matter thoroughly, I think their actions are not only disregard of law, but also indicative of deceptive practices that can harm consumers, it is irresponsible.And I want to remove the collection form credit report as soon as possible!

    Customer Answer

    Date: 07/05/2024

    this is information of collection on my credit report.

    Business Response

    Date: 07/09/2024

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9190746)forwarded to it from ******************* ****** (Account # *********************** 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. All documents received from you have been forwarded to Southern California ****** for review. 

  • Initial Complaint

    Date:07/03/2024

    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.
    In June of 2022 I sold and vacated my home in ************. At said home I had an account with Southern California ******* # ************. I made many efforts to get final closing bill on this account and paid said closing bill. I never received another bill till Torres Credit Services *** sent me a bill in May 2024 for $977.62. I have requested but not received documentation for this debt. I tried to dispute this bill and was told it was "undisputable". Receiving this bill two years after the fact with no communication in the interim and no documentation is not acceptable practice. As it stands I will not pay this bill and Torres Credit services should cease all collection attempts and retract any negative credit reports.

    Business Response

    Date: 07/09/2024

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9235570)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: 07/10/2024

    [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:06/26/2024

    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.
    Received a derogatory ****** on my outstanding credit report from Torres credit service the original creditor was Commonwealth ******* This ****** was for an apartment my stepson had rented and he closed this issue, please see the attached showing settlement agreed to. I have no idea how my name got attached to this but when I reached out to Torres they said I must have cosigned for the rental, I did not. when my step son provided Torres with proof of settlement they then said it was for a different address and would not close it. He asked for the address and they gave him a ******************* address that he never lived on. Please help me remove this as we are getting nowhere with Torres.

    Business Response

    Date: 07/02/2024

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

  • Initial Complaint

    Date:06/26/2024

    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 just recently received a change to my credit report. Upon me checking to see why, I came across a derogatory account under the name of Torres Credit Services. Ive never heard of this company nor ever dealt with this company. Ive received no mail or phone calls from this company. They claim I have a debt of $1.876.00 that was previously Southern California ******* This is a false claim. *** never owned a business and Im not sure you could run up an ********************* that high from home without your power being turned off. This absolutely makes no sense. I reached out to ****** on 6/25/2024 and they know nothing of this debt. Id like this removed from all credit bureaus/agencies.

    Business Response

    Date: 07/02/2024

    Torres Credit Services, Inc. ("TCS") was attempting to collect alleged debts (File No. ******* and File No. *******) forwarded to it from ************************** (Account # ************ and Account #*************.  Attached are the Statements 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 file. 

    Customer Answer

    Date: 07/08/2024

      My wife and I spoke with ****** this morning 7/8/2024. ****** went in there system and told us we have a balance of $0.00 for the address **************************************. *****. They also told us that theyve never heard of Torres Credit Services. They have started their own investigation regarding this matter. You are more than welcome to contact ****** about this matter and have my full permission to do so.

     

    Business Response

    Date: 07/16/2024

    Torres Credit Services, Inc. ("TCS") was attempting to collect alleged debts (File No. ******* and File No. *******) forwarded to it from ************************** (Account # ************ and Account #************. Once the account has been written off, which is what they do with collection accounts, they will show a zero-balance due, with the amount that was written off. Once **************** has completed their investigation,they will find that Torres Credit Services, Inc. has a signed contract with Southern California ****** to do their collections. 

  • Initial Complaint

    Date:06/22/2024

    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'm not liable for this debt with Torres Credit Services . I do not have a contract with Torres Credit Services , they did not provide me the original contract as requested.

    Customer Answer

    Date: 06/26/2024

    Attempted to call Torres Credit Services *** but have not been able to reach the agency nor speak with a representative regarding this debt . Proceeded to email the agency have not received documentation requested. 

    Business Response

    Date: 07/02/2024

    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. 

This business has applied for BBB accreditation.

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