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Phillips & Cohen Associates vs Torres Credit Services

On the complaint record, Phillips & Cohen Associates scores higher (60/100 against 60): it answered 100% on time and gave relief in 0% of closed complaints, against 100% and 0% for Torres Credit Services.

Phillips & Cohen Associates
Torres Credit Services
Phillips & Cohen AssociatesTorres Credit Services
Response Score60/10060/100
Complaints, last 12 months5150
Change on the year before-35%-46%
Answered on time100%100%
Closed with relief0%0%
Closed with money back0%0%
Complaints, all time390305
Top problemAttempts to collect debt not owedAttempts to collect debt not owed
Visitors' rating--

Highlighted: the better figure. Bigger companies get more complaints, so compare the shares and the trend rather than the totals.

Phillips & Cohen Associates by month

Torres Credit Services by month

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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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