Torres Credit Services, Inc.
Open-data reference.
Debt Collector, CFPB Complaint Profile Specializes in: Other debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 4 |
| 2014 | 11 |
| 2015 | 10 |
| 2016 | 14 |
| 2017 | 11 |
| 2018 | 9 |
| 2019 | 4 |
| 2020 | 10 |
| 2021 | 20 |
| 2022 | 11 |
| 2023 | 27 |
| 2024 | 40 |
| 2025 | 98 |
| 2026 | 19 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Torres Credit Services, Inc.
226 debt-collection complaints against Torres Credit Services, Inc. appear in the CFPB record - 78.5% of the 288 complaints filed about this entity. The 21 states and territories represented make this a multi-state operation by complaint volume. Consumers most frequently describe "Other debt" as the debt type behind their complaint about this collector. "Attempts to collect debt not owed" comes up most often as the specific issue cited - worth a look for anyone trying to spot this collector's recurring pain point.
Within the Bureau's 15-day response window, this company answers 99.3% of forwarded complaints. That is at or above benchmark levels, pointing to an intake process working as intended. Of resolved cases, 4.5% closed with monetary or non-monetary relief to the consumer, which is a notably low relief ratio and worth weighing against the disputed-response percentage. In 7.1% of resolved cases, the consumer formally disputed the response - a rough measure of how often the first resolution missed the mark.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Torres Credit Services, Inc. have?
226 debt-collection complaints against Torres Credit Services, Inc. appear in the CFPB record - 78.5% of the company's total complaint volume.
Does Torres Credit Services, Inc. respond to complaints on time?
Torres Credit Services, Inc.'s CFPB timely-response rate is 99.3%. That is a strong response record by CFPB standards.
Does Torres Credit Services, Inc. provide relief to consumers?
Of resolved complaints against Torres Credit Services, Inc., 4.5% ended with consumer relief of some kind.
What type of debt does Torres Credit Services, Inc. primarily collect?
"Other debt" is the debt type Torres Credit Services, Inc. is most associated with in CFPB complaint data - see the full breakdown above.
What rights do I have against Torres Credit Services, Inc.?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Torres Credit Services, Inc. active?
Consumers in 21 states and territories have filed CFPB complaints against Torres Credit Services, Inc..
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.