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Business Profile

Collections Agencies

Torres Credit Services, Inc

This business has applied for BBB accreditation.

Complaints

Customer Complaints Summary

  • 138 total complaints in the last 3 years.
  • 72 complaints closed in the last 12 months.

If you've experienced an issue

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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:01/30/2024

    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 SRV is trying to collect on a *** account that I closed in March of 2020 in good standing. I sold the property of ****************************, Hazleton PA ******* on 3/5/2020.I have never had a contractual agreement with Torres Credit SRV nor did I have an account with them. Please provide a contract in which I accepted services from TORRES CREDIT SRV. I am requesting this account be removed from my credit report.

    Business Response

    Date: 02/05/2024

    Torres Credit Services, Inc. ("TCS") was attempting to collect an alleged debt (File #*******) forwarded to it from UGI ********** *** (Account#*************. Following receipt of this Complaint, *** *********, Inc has recalled the account and TCS has discontinued collection.  

  • Initial Complaint

    Date:01/22/2024

    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 have not partnered with this company, Torres Credit Services. However, they have reported a collection to two of the three credit bureaus. This collection has not been validated. Torres Credit Service never communicated with me in any way to perform a debt validation prior to sending this debt to the credit bureaus. The collection on my credit reports should be deleted immediately as there is no legal binding contract between Torres Credit Services and myself, and a debt validation process was not performed prior to them damaging my credit.

    Business Response

    Date: 01/23/2024

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

    Customer Answer

    Date: 01/23/2024

    [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:01/21/2024

    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 *** ******** *********, 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: 01/23/2024

    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:12/16/2023

    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've been contacted by Torres Credit Services Inc. about an alleged debt owed to ******** ********** ******. The alleged debt they are inquiring about is disputed. I have written notices that there is a recall on the solar system controller that specifically will cause incorrect billing of service. Plus, my home doesn't have enough electronics within it to rack up a bill that large (about 5x the normal yearly bill) even if I ran all electronic devices 24/7/365. I am well versed in collection law. Should Torres Credit Services Inc. wish to pursue any claim they will need to provide transfer and sale documentation that proves the alleged debt was transferred and sold to them in full. This includes not only my name and account, but also transfer documentation including how much Torres Credit Services Inc. paid for the alleged debt. Bulk purchase records will not suffice, the records must show my exact identifying information. An easy example would be: Say I owe *** money, but his friend ***** comes to collect. I have never done business with *****, nor do I owe him a debt unless ***** can provide documentation showing the transfer and sale of my exact alleged debt to him. In this instance I have not done business with Torres Credit Services Inc. and do not owe them a payment of any kind. In addition, under FDCPA, which as a 3rd party Torres Credit Services Inc. falls under; a disputed debt cannot be collected upon. Torres Credit Services is required, by law, to discontinue collection of this account, delete all information from all credit reports, and not transfer or sell this debt to anyone else. I will hold Torres Credit Services Inc. liable should the debt be re-transferred or re-sold to another party as Torres Credit Services Inc. would be illegally scamming the buying entity by knowingly selling or transferring an uncollectable, alleged, debt. Take the loss and move on. Recall notice attached. Note the section on billing and not receiving accurate information.

    Business Response

    Date: 12/26/2023

    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. 

  • Initial Complaint

    Date:12/08/2023

    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 ******** ********** ****** and do not have a contract with Torres credit service. They did not provide me with the original application like I asked.

    Customer Answer

    Date: 12/12/2023

    According to the Fair Credit Reporting Act, Section 609 (a)(1)(A),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.  Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
    I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.   Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.
    I demand the following accounts be verified or removed immediately.

    Name of Account Account Number Provide Physical Verification
    Torres Credit Services *********** Unverified Account

    *  Please remove all non-account holding inquiries over 30 days old.
    *  Please add a Promotional Suppression to my credit file.

    Thank You,
    *************************

    Business Response

    Date: 12/13/2023

    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:12/08/2023

    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 have never had any dealings with Torres Credit Service yet, they have reported a collection to TransUnion on December 6, 2023. I was looking through my credit card updates when I found this false information. The report on my credit was in reference to an electric company where I have no account. Torres Credit Service never communicated with me in any way to perform a debt validation prior to sending this debt to the credit bureaus. When I phoned Torres, they could not provide me with information regarding the collection nor could they find my name in their system. The collection on my credit reports should be deleted immediately as there is no legal binding contract between Torres Credit Services and myself, and a debt validation process was not performed prior to them damaging my credit.

    Business Response

    Date: 12/08/2023

    We are unable to locate an account for ********** ********** or the address that you have listed. Please provide the account number, social security number or any other name that the account could be listed under, such as a maiden name or a prior name that you used.

    Customer Answer

    Date: 12/08/2023

    Here are screen shots of the information found on my credit report. I am uncomfortable providing my social security number to a company I'm not familiar with. 

    Customer Answer

    Date: 12/10/2023

    I am following up on this claim after receiving another credit alert from experience. In addition to the December 2023 flag for Torres, there are 6 others. 10/22/21, 10/29/21, 10/7/21, 10/28/21, 10/22/21, 10/14/21. All of these were for the collection of $241 for an electric company where I have no account and had no account in 2021. 
    I can send screen shots of this information from my credit report. I will also be contacting ******** regarding this false information. 
    I would like for these things to be removed from my credit report. I will not provide my ssn to Torres because I feel that it is not safe to do so. 

    Business Response

    Date: 12/26/2023

    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: 12/26/2023

    [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:11/13/2023

    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 have never had any dealings with Torres Credit Service yet, they have reported a collection to the three credit bureaus. I had just checked my credit profile as I am starting the planning stage to purchase a home and, to my surprise, I found collection on my profile that was never validated. Torres Credit Service never communicated with me in any way to perform a debt validation prior to sending this debt to the credit bureaus. The collection on my credit reports should be deleted immediately as there is no legal binding contract between Torres Credit Services and myself, and a debt validation process was not performed prior to them damaging my credit.I have not received an itemized statement for the charges of which the total stated in the letter from Torres is comprised, The charge shown is not possible, I previously moved from the property so any amounts charged after that date are not mine.

    Business Response

    Date: 11/14/2023

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

    Customer Answer

    Date: 11/15/2023

    [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:11/09/2023

    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 received a bill dated October 26, 2023 stating I have a debt on account #************ with ******** ********** ******* I do not have and have never had an account with that account number. I have never received anything from ****** by mail or email stating that I owe that amount or that it was going to collections. The Reference is Client ID# *******. I'm not sure if this is a legitimate company or not. It does not appear to be a legitimate bill.

    Business Response

    Date: 11/14/2023

    Torres Credit Services, Inc. ("TCS") was attempting to collect an alleged debt (File No.*******) forwarded to it from ******** ********** ****** (Account # *************. On October 30, 2023, ******** ********** ****** reported to us that they received payment in full on this account. As of October 30, 2023, the file has been closed in our office.

  • Initial Complaint

    Date:11/03/2023

    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 have had no business or contact with this company, yet they filed a collection against my credit without notice. I have received no phone call, text message, email, bill or contact of any kind. They are in Pennsylvania whereas I have lived in illinois for over the last twenty plus years and have not been to pennsylvania.

    Business Response

    Date: 11/14/2023

    Torres Credit Services, Inc. ("TCS") was attempting to collect an alleged debt (File No.9041908) forwarded to it from **** ****** (Account # ***********. Attached is the Bill & Statement from **** validating the debt. However, following receipt of this Complaint, as a courtesy to Complainant, TCS has discontinued collection of this account, requested deletion of its trade line from all credit reports and closed its file. 

  • Initial Complaint

    Date:10/20/2023

    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 was notified by ****** ***** that Torres Credit Services has submitted a collection on an old *** utility account bill that I was not made aware of, directly to my credit bureau, without verifying the debt or contacting me in any way. I have yet to receive contact from this collections agency to provide proof of the debt or information on this collection. I have confirmation from the utility company that my account balance is $0. This was already paid in full directly to ***, confirmation #************. This needs to be removed from my credit report.

    Business Response

    Date: 11/06/2023

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. *******)forwarded to it from ******** ********** ****** (Account # *************. ******** ********** ****** reported to us on October 23, 2023 that the account was paid in full. 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: 11/06/2023

    [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.

pending BBB accredited business seal

Torres Credit Services, Inc has applied for accreditation with BBB, and our initial review has found it to meet the BBB Accreditation Standards. Accreditation is pending consideration by the BBB Board of Directors, as required by BBB policy.

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