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Retail Merchants Associates vs Torres Credit Services

On the complaint record, Torres Credit Services scores higher (60/100 against 46): it answered 100% on time and gave relief in 0% of closed complaints, against 100% and 0% for Retail Merchants Associates.

Retail Merchants Associates
Torres Credit Services
Retail Merchants AssociatesTorres Credit Services
Response Score46/10060/100
Complaints, last 12 months5050
Change on the year before+85%-46%
Answered on time100%100%
Closed with relief0%0%
Closed with money back0%0%
Complaints, all time210305
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.

Retail Merchants 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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