Torres Credit Services, Inc.
Open-data reference.
Debt Collector, CFPB Complaint Profile Specializes in: Other debt
CFPB collection forwarding receipt
Forwarded record DC-TORRES-CREDIT-SERV Torres Credit Services, Inc.
226 DC complaints · rank #339/656 · 99.3% timely
- DC 226
- RANK #339/656
- TIMELY 99.3%
- RELIEF 4.5%
- DISPUTE 7.1%
- STATES 21
- ISSUE Attempts to collect debt no…
- RESP Closed with explanation
- PHOTO Cooling & Winter LLC
Volume peers
Photo peer: Cooling & Winter LLC (226)
Torres Credit Services, Inc.'s 226 debt-collection complaints sit next to Cooling & Winter LLC (226) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for Torres Credit Services, Inc. →
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
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)
What the CFPB Record Shows for Torres Credit Services, Inc.
Torres Credit Services, Inc. sits at #339 of 656 debt collectors in this extract by debt-collection complaint volume (48th percentile), the same ordering shown on /collectors. 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.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Full complaint profile for Torres Credit Services, Inc. → · All debt collectors →
Nationwide collectors with similar complaint volume or dispute rates
Two CFPB peer sets for Torres Credit Services, Inc.: nearest debt collectors by debt-collection complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the volume strip on the forwarding receipt above.
Similar complaint volume
Nearest collectors by debt-collection complaint count (226 here).
Similar dispute rates
Nearest collectors by share of complaints marked disputed (7.1% here).
Frequently asked questions
How many CFPB debt-collection complaints does Torres Credit Services, Inc. have?
226 debt-collection complaints name Torres Credit Services, Inc. in this CFPB extract - corpus rank #339/656.
Does Torres Credit Services, Inc. respond to CFPB complaints on time?
The timely-response rate for Torres Credit Services, Inc. in this extract is 99.3%.
What issue do consumers cite most about Torres Credit Services, Inc.?
Consumers most often name "Attempts to collect debt not owed" when complaining about Torres Credit Services, Inc..
How should I read Torres Credit Services, Inc.'s CFPB complaint record?
These figures summarize what consumers filed with the CFPB about Torres Credit Services, Inc.. They are educational, not advice - see the debt-collection rights and CFPB filing guides for next steps on a live dispute.
Related guides: Debt collection rights · How to file a CFPB complaint · Reading CFPB complaint data
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.