Debt collection
Torres Credit Services debt collection complaints
Consumers have filed 240 complaints about Torres Credit Services's debt collection, 43 in the last 12 months (-23%). Torres Credit Services answered 100% on time and closed 0% with relief. See the whole Torres Credit Services record.
Torres Credit Services against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Torres Credit Services | 43 | 100% | 0% |
Latest Torres Credit Services debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Jan 3, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jan 3, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Dec 26, 2025 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Dec 23, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Dec 18, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 15, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 13, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Dec 12, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 2, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 1, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 26, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Nov 24, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 18, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 29, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 29, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 29, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 18, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Oct 17, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Oct 11, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 8, 2025 | Debt collection | Took or threatened to take negative or legal actionCollected or attempted to collect exempt funds | Explained |
| Oct 1, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 24, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 6, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 25, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 22, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 18, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 31, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 25, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 23, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 23, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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
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