Debt collector · complaint record
Torres Credit Services complaints
Filed under Torres Credit Services, Inc.
Consumers have filed 305 complaints about Torres Credit Services since 2013, 50 of them in the last 12 months (-46% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Average response record. How it works
- Complaints on record
- 305
- Last 12 months
- 50
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 1
- Rank
- #319 of 1,963
Since September 2013
-46% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 20, 2026
Most complained-about debt collectors
Torres Credit Services complaints by month
The busiest month was July 2025 (15 complaints). Complaints in the last 12 months are down 46% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Torres Credit Services answered last 12 months
- Closed with explanation50100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend15/15-46% vs last year
What Torres Credit Services complaints are about
Top Torres Credit Services problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 73
- Debt was result of identity theft 30
- Debt was paid 17
- Debt was already discharged in bankruptcy and is no longer owed 2
Where Torres Credit Services complaints come from
Most complaints: Illinois (84), California (81), Pennsylvania (74), Texas (15), Florida (11).
Torres Credit Services compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | N.A.RDebt collection | 11 | 51 | F |
| 2 | Receivable Management GroupDebt collection | 44 | 51 | D |
| 3 | Phillips & Cohen AssociatesDebt collection | 60 | 51 | C |
| 4 | Retail Merchants AssociatesDebt collection | 46 | 50 | D |
| 5 | Velo Law OfficeDebt collection | 37 | 50 | D |
| 6 | Time InvestmentDebt collection | 45 | 50 | D |
| 7 | Torres Credit ServicesDebt collection | 60 | 50 | C |
| 8 | National Recovery SolutionsDebt collection | 47 | 49 | D |
Compare side by side: Torres Credit Services vs N.A.R · Torres Credit Services vs Receivable Management Group · Torres Credit Services vs Phillips & Cohen Associates · Torres Credit Services vs Retail Merchants Associates
What people say about Torres Credit Services
All experiencesNo experiences with Torres Credit Services yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Torres Credit Services complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 20, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 8, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 6, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 30, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 25, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Sep 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 16, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Sep 10, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Sep 8, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 2, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Questions about Torres Credit Services
How many complaints does Torres Credit Services have?
Torres Credit Services has 305 complaints on record since September 2013, including 50 in the last 12 months and 1 in the last 30 days. That makes it number 673 of every company by complaints this year.
Does Torres Credit Services respond to complaints?
Yes. Torres Credit Services answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 60/100 (grade C).
What do people complain about most with Torres Credit Services?
The most common problems are attempts to collect debt not owed (122), took or threatened to take negative or legal action (21), incorrect information on your report (28).
Is Torres Credit Services legit?
Torres Credit Services is a real company with a public complaint record: consumers have complained about it 305 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Torres Credit Services legit? for the signals, red flags and how to protect yourself.
Are complaints about Torres Credit Services going up or down?
Down. There were 50 complaints in the last 12 months against 93 in the 12 before (-46%). See every month.
How do I file a complaint against Torres Credit Services?
Complain to Torres Credit Services in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Torres Credit Services complaints come from?
Most come from Illinois (84), California (81), Pennsylvania (74). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Talk about Torres Credit Services
No comments yet. Start the conversation - questions are welcome too.