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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:06/08/2024

    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 ******************* account # ************ opened on August 2020, closed August 3, 2022 and a balance of $293.00. Which was paid in full. The original creditor is So *******************. I do not have a contract with Torres Credit Services. They did not provide the original contract as requested. This account was paid in full before I moved to ******* in August 2023, and I DID provide a forwarding address for So *******************. So, there should have been no reason they did not send a bill, and no reason they did not receive all payments. I also have a credit balance of ****** with this same company at my current address listed above, account # ***********. I do not know why So ******************* did not merge these two accounts. I have the same social security number and same phone number. My last name did change in 2023. Maybe that is why they were confused. I demand this be removed from my credit report immediately.*********************

    Business Response

    Date: 06/13/2024

    Torres Credit Services, Inc. ("TCS") was attempting to collect an alleged debt (File No. *******) forwarded to it from ******************* ****** (Account # ************.  Southern California ****** reported that payment in full had been made on June 8, 2024. Following receipt of this Complaint, TCS requested deletion of its trade line from all credit reports and closed its file. 

  • Initial Complaint

    Date:06/08/2024

    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 June 3rd, 2024, a collections was added to my credit file by Torres Credit Services. I have received no information from this company with regards to any debt. Their is no unpaid debt listed on my credit file and their has been no report of unpaid debt listed by any of my creditors.So how is it that I owe something when I have not been informed by ANYONE. I am looking at having this negative report removed from my credit report.

    Business Response

    Date: 06/13/2024

    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.  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: 06/14/2024

    [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: 21821576

    I am rejecting this response because: I have not received the statement the company provided. I have no forms of notification that a bill was due nor any forms saying if unpaid it would be sent to collections.

    I have no communication from TCS of an unpaid "debt" from a utility company. The response given by TCS does not resolve the issue of the negative impact on my credit file.

    TCS response ending of (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.) also does not resolve the negative impact on my credit file.

    Does this response mean they areno longer seeking collection as stated and also are they requesting my credit file be updated.

     

    Complaints about Torres Collection Services have all received this statement which seems automated.


    Regards,

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








    Business Response

    Date: 06/20/2024

    Torres Credit Services, Inc. ("TCS") was attempting to collect an alleged debt (File No. *******) forwarded to it from ******************* ****** (Account # *************.  A letter was sent to you at ********************************** on December 11, 2023. TCS is no longer trying to collect the balance of $429.82 on this collection account. On June 13, 2024, TCS requested deletion of this account from your ********************** file. Once the Credit Bureaus update your credit file this account will no longer have an impact on your credit. It could take up to 30 days for the Credit Bureau to update your credit file.

    Customer Answer

    Date: 06/20/2024

    [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. Furthermore, I am not in possession of said letter mailed to me December 11, 2023.

    Regards,

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

  • Initial Complaint

    Date:06/04/2024

    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.
    This company illegally reported a bill they say was through ******* But they are calling themselves the original creditor. Once I read them the note that ****** contacted me written proof that this bill is not mine it said take it up with ****** but they have damaged my credit and I want them to fix it I removed the collection immediately

    Business Response

    Date: 06/10/2024

    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. 

  • Initial Complaint

    Date:06/04/2024

    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.
    I was checking my credit report today(06/04/2024)and I seen I had a collection account with the business name of Torres Credit Services which I never heard of nor used before. I filed a dispute with my report company and I am trying to do so here too. It says I owe $859 but I never got any amount of that sort at all.

    Business Response

    Date: 06/10/2024

    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: 06/10/2024

    [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:05/30/2024

    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.
    There was a fraudulent account opened in my name with an online bank Chime. I contacted them immediately and it was closed and flagged as fraudulent. I notifed all 3 credit bureaus and placed a fraud alert. The next day being today May 30 2024 I received a credit alert that a new account was open with ********************** and the balance was 225. I have never done business with them or have any account in that amount. I called them and they said they needed my SSN. I would not provide because of the fraud activity.. How do I get this removed as this is not me or my account. The person I spoke with was trying to obtain my SSN. I do not owe them anything or have any clue who they are. Please have them delete this from my credit report. Thank you. Please let me know what I need to do. Again on my credit report it is a new account with Torres Credit in **. What info do u need from me to have this removed. My email is ******************** and phone number is ************

    Business Response

    Date: 06/03/2024

    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:05/30/2024

    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.
    Today I got a credit notification saying this business Torres credit services is reporting over $2000 that I have no idea where this came from. It also states this account was opened in Jan of this year. This is really shady and caused my credit to sink. please remove this off my credit report I dont know how and why you guys are reporting shady claims. I havent received anything regarding this past due balance and this is not my debt.

    Business Response

    Date: 06/03/2024

    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: 06/03/2024

    [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:05/30/2024

    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 services in has placed a fraudulent account on my TransUnion credit report for $574. I have never heard of this company, and do not owe any debts to this company. Im a victim of identity theft as my Social Security number was compromised. Attached is a copy of my identity theft report. I would like this company to remove my information from their files and the false reporting from my credit reports.

    Business Response

    Date: 06/04/2024

    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:05/27/2024

    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.
    Request for VALIDATION, NOT Verification 06/03/2024 OUMOULKER ********************* ************************************************** TORRES CREDIT SERVICES *** ************************************ ACCOUNT ********** To Whom It May ******** This letter is being sent to you due to your erroneous reporting to the Credit Bureau{s}, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 {b} that your claim is disputed, and validation is requested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following:What the money you say I owe is for:Explain and show me how you calculated what you say I owe:Provide copies of the agreement bearing my signature stating that I agreed to pay what you say I owe.Provide a verification or copy of any judgment if applicable:Identify the original creditor:Prove the Statute of Limitations has not expired on this account:Show me you are licensed to collect in my state:Provide me with your license numbers and Registered Agent or Agent of Service: I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt, I reserved the right to *** your company for violation of my consumer rights as indicated under both the ***** and the ***** I may seek damage from you if warranted. Sincerely, OUMOULKER *********************

    Business Response

    Date: 06/03/2024

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9230459)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. 

    Customer Answer

    Date: 06/03/2024

    [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,

    Oumoulker Himasouley

  • Initial Complaint

    Date:05/22/2024

    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.

    I am not liable for this debt that Torres credit services has reported on my credit report. I do not have a contract with Torres credit services. Nor did I ever sign a contract with Torres credit services. Torres credit services did not provide me with the original contract as requested.

    10 PP&L is the original creditor. I have no contract with Torres credit services for them to provide. Torres credit services has been posting this debt on my credit report and I want it removed.

     

    Customer Answer

    Date: 05/24/2024

    10 PP&L is the original creditor. I have no contract with Torres credit services for them to provide. Torres credit services has been posting this debt on my credit report and I want it removed.

    Business Response

    Date: 06/03/2024

    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. 

  • Initial Complaint

    Date:02/28/2024

    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 noticed on my credit report a debt for $3,405 from this company. I have never done business with this company. A debt validation process was not performed prior to them damaging my credit.The collection on my credit reports should be deleted immediately as there is no legal binding contract between Torres Credit Services and myself.

    Business Response

    Date: 03/01/2024

    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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