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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:09/15/2022

    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.
    This company collects debts for *** ********. We sold a house June 2018 and reported to *** that the service should be transfer to the new owner for service after we sold the house, the account was not transferred to the new owner and *** turned the account over to Torres Credit Services without notifying me, Torres Services has verified this account as accurate several times after disputing process with them and there is no way this could be mine due to the fact of the billing date. (after I sold the house). Torres credit Services continue to report negative derogatory marks, despite the account not being mine.

    Business Response

    Date: 09/21/2022

    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:09/12/2022

    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.
    Torres Credit Services has a collection on my credit report of $157 from a utility bill. My previous energy provider that this bill is with claims my account balance is $0. The derogatory mark on my credit report says the collections was opened on 6/6/2022. It is now 9/12/2022 and I have yet to receive mail or phone calls from this collection agency in an attempt to provide proof of the debt or in attempt to settle my debt.

    Business Response

    Date: 09/13/2022

    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: 09/13/2022

    [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:09/10/2022

    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 has appeared on my credit report for unknown reasons. I have no unpaid or outstanding debts.

    Business Response

    Date: 09/13/2022


    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. 

  • Initial Complaint

    Date:09/09/2022

    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.
    Company contacted me for or on behalf of sce for a bill I shouldnt even have for an address that I no longer reside at. I dont deal with third party, out of state companies. I deal with the company directly.Confirmation# ************ ($50) has **** paid directly to sce. I wi be needing this company and this negative reporting removed from all 3 credit bureaus and a letter of confirmation.

    Business Response

    Date: 09/13/2022

    Torres Credit Services, Inc. ("TCS") was attempting to collect an alleged debt (File No. *******) forwarded to it from Southern California ****** (Account # *************. Following receipt of this Complaint, TCS has discontinued collection of this account. 

    Customer Answer

    Date: 09/13/2022

    [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:
    Thank you for your response and resolution in this matter 
    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:09/06/2022

    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.
    Notice from Torres Credit Services, Inc., August 26, 2022, says they are trying to collect a debt I owe to ************ ********** for $34.06.I paid this amount to ************ ****** on March 29, 2022.************ ****** says they did not send this to collections.I attempted to contact Torres Credit Services, Inc. via the web address in the notice, but it is an unsecured site.RESOLUTION:I need Torres Credit Services, Inc. to stop attempting to collect this bogus claim and verify in writing they have contacted all credit reporting institutions they've reported to and rescinded their reports.

    Business Response

    Date: 09/08/2022


    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. 

  • Initial Complaint

    Date:08/28/2022

    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 had on my ****** ***** account noting that I owe *** $362. I reach out to *** and they can't find anything for me in the system. I try to find info on Torres Credit Services and only find options to call which is not good for someone who works weird hours. If someone owes something and a company is to collect, make it easy for people to handle it.

    Business Response

    Date: 09/01/2022

    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. Tell us why here...

    Customer Answer

    Date: 09/01/2022

    [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:08/23/2022

    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 two of the three credit bureaus in March of 2021. I had just checked my credit profile as I am starting the planning stage to purchase my first 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.

    Business Response

    Date: 08/26/2022

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 8603285)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. Tell us why here...

    Customer Answer

    Date: 08/26/2022

    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:08/11/2022

    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 recently received a credit report and TCS claims I owed our utility company $292 as of 6/2/21. I’ve lived in the same residence since Aug of 2020 and according to TCS they updated my balance of $292 as of 7/14/2022, but I have NEVER received any correspondence from them in the past year. They claim that I owe a debt to our utility company ****, but my account has always been in good standing with them, and in the time I’ve lived in our home, I’ve never had a payment go to collections with this account. I have no idea where this debt to **** came from and have yet to receive any sort of notification regarding the balance. 

    Business Response

    Date: 08/23/2022

    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.

  • Initial Complaint

    Date:08/02/2022

    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.
    To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. TORRES CREDIT SRV ACCT #: ******* BAL. $$327.00 Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

    Business Response

    Date: 08/07/2022

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 8784092)forwarded to it from ************ ****** (Account # **********).  Attached is the Account History & 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: 08/22/2022

    Complaint: ********



    I am rejecting this response because:

    Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. TORRES CREDIT SRV Account #******* Bal:$327.00



    Regards,



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

    Business Response

    Date: 08/23/2022

    Following receipt of this Complaint, Torres
    Credit Services, Inc. ("TCS") had discontinued collection of this
    account (*******), requested deletion of its trade line from all credit reports
    and closed its file. Torres Credit Services, Inc. ("TCS") was
    attempting to collect an alleged debt (File No. *******) forwarded to it from
    ************ ****** (Account # **********).  

  • Initial Complaint

    Date:07/25/2022

    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.
    To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. TORRES CRDIT ACCT #:******* BAL. $1,758.00 Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

    Business Response

    Date: 07/27/2022

    Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. *******)forwarded to it from ************ ****** (Account # **********).  Attached is the Account Statement & Bill received from ***** 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.

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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