Complaints

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.

• Initial Complaint

  Date:09/24/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 27, 2023 Torres Credit Services, Inc. a debt collector sent me two threatening letters and a bill stating that I owed ************ *******Co. 401.67. I do not owe this company any money. ************ ****** has never had reason to send my account to collections. I am reporting Torres Credit Services,Inc. as a scam.

  Business Response

  Date: 09/26/2023

  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: 09/27/2023

  [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:09/20/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 checked my ****** ***** on 9/19/2023 and noticed I had an account from *** ******** in collections with Torres Credit Services. I live in CT and have zero connection to *** ******** in any way. Torres Credit Services has told me that I owe over $5,000 to them but they have never contacted me directly AT ALL. I am 100% sure someone used my SS number to open the account with *** ******** and I'm 100% sure that Torres Credit Services is a scam. So now, not only am I reporting fraud to my credit cards, bank account and to the local police department, *** ******** tells me they do not even work with a company named Torres Credit Services.

  Business Response

  Date: 09/22/2023

  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:08/18/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 has filed a $108 collection on my credit report, but appears to be a scam. I have no record of this debt, and there is nowhere to contact anyone from the company, so they are hurting my credit score for no reason.

  Business Response

  Date: 08/23/2023

  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. 
  

  Customer Answer

  Date: 08/23/2023

  [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:08/17/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 is trying to collect a debt from me that is not mine for a Utility company. My lease ended Oct 1, 2022 from the address in question. I paid my final bill and began service at my new address. The amount they are saying I owe is for days well after my lease ended. I stopped service and moved out Oct 1 and these charges are for the months after. I called *** and they agreed that a mistake was made and that all charges would be dropped. The confirmation ****** was given to me by there dispute department.

  Business Response

  Date: 08/17/2023

  
  Torres Credit Services, Inc. ("TCS") was attempting to collect an alleged debt (File #*******) forwarded to it from ******** ********** ****** (Account # *************. The Client reported the account paid in full on 7/22/2023. 

  Customer Answer

  Date: 08/17/2023

  Everything is settled. Thank you

• Initial Complaint

  Date:08/11/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 is wrongfully appearing on my credit report lying to credit breaus saying I’ve had an account I have never had. I would like this taken off immediately.

  Business Response

  Date: 08/16/2023

  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:08/06/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 PUT A COLLECTION ACCOUNT ON MY TRANSUNION CONSUMER REPORT. I WAS NEVER NOTIFIED OF ANY ALLEGED DEBT. THIS IS A COMPLETE VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT, FAILURE TO VALIDATE. I NOTICED IN SIMILAR COMPLAINTS AGAINST THIS COMPANY, THAT THEY TRY TO VALIDATE THE DEBT IN THEIR RESPONSE TO COMPLAINTS ON THIS FORUM. I AM DEMANDING THE IMMEDIATELY REMOVAL OF THIS ACCOUNT FROM MY CONSUMER REPORT. I WAS NEVER CONTACTED ABOUT ANY ALLEGED. THERE WAS NO DEBT VALIDATION COMPLETED BY THIS COMPANY.

  Business Response

  Date: 08/08/2023

  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: 08/08/2023

  [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:07/13/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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. I recently discovered a derogatory mark on my credit report, which has resulted in a significant deduction of 66 points from my credit score. It has come to my attention that this negative mark was reported by Torres Credit Services, Inc., on 6/16/23, despite this business making no attempts to contact me prior to reporting the debt. I would like to bring to your attention the following details regarding this matter: 1. Debt Settlement: The debt in question, which Torres Credit Services, Inc. claims I owe, was settled, and paid in full February 2023 by California’s Emergency Rental Assistance Program (ERAP). Therefore, the collection agency's claim of an outstanding debt is completely baseless and inaccurate. 2. Lack of Communication: It is both shocking and concerning that Torres Credit Services, Inc. failed to contact me before reporting the alleged debt to the credit bureaus. To my understanding, I should have received phone call or letter by mail prior to them reporting. 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. 3. Negative Impact on Credit Score: The derogatory mark on my credit report, as a result of Torres Credit Services, Inc. 's actions, has had a significant negative impact on my creditworthiness. This unjust deduction of 66 points will affect my ability to secure favorable interest rates and obtain credit when needed. In light of the above, I kindly request that the Better Business Bureau investigate this matter thoroughly; I believe their actions are not only a violation of fair debt collection practices but also indicative of deceptive practices that can harm consumers.

  Business Response

  Date: 07/14/2023

  Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9040274)forwarded to it from ******** ********** ****** (Account # *************. Attached is the Statement confirming the balance due.  On March 23, 2023, there were 3 payments made totaling $419.65. This left a balance of $734.64 still due on your account. Following receipt of this Complaint, TCS has discontinued collection of this account. 

  Customer Answer

  Date: 07/16/2023

  [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:06/23/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 submitted to my bank for a line of credit and was declined because of an unpaid account that was entered by Torres Credit Services on my credit report for the amount of $ 506.00. Apparently this was entered on my credit report in 2021 but I have never done business with Torres or had an account with them and have never received any documentation from Torres of what this account was for. In addition to not having a valid debt they continue to update it to make it look like it is recent to have a higher impact on my credit.

  Business Response

  Date: 06/28/2023

  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:06/19/2023

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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, Inc, they did not provide me with the original contract as I requested

  Business Response

  Date: 06/28/2023

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

  Customer Answer

  Date: 09/21/2023

  Good afternoon ******* I just wanted to let you know that Torres Credit Services, Inc took the collection off my account and this matter has been resolved. I appreciate the BBB for helping me with this matter, thank you so much and have a blessed day

• Initial Complaint

  Date:06/19/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Was issued into collections for the amount of $115.00 // Torres Credit never attempted to contact me/I do not recall a charge of $115.00 being credited to any of my previous bills. The only account # I have is "******..." as shown on my credit report // I do not consent to giving my social security # at this time. Please have this removed from all reports in a timely manner. Thank you.

  Business Response

  Date: 06/23/2023

  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.