CFPB Consumer Complaint Profile
Torres Credit Services, Inc.
What 288 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-05-15
- 288
- Total complaints
- 93
- Last 12 months
- 99.3%
- Timely response
- 21
- States affected
The verdict
288 CFPB complaints put Torres Credit Services, Inc. at #721 out of 3,848 financial companies ranked by complaint volume. It answers 99.3% of complaints on time - above the 93% median for companies with 100+ complaints.
- #721
- of 3,848 companies by volume
- 99.3%
- answered on time
- Debt collection
- most-complained product
- 21
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
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)
Company Responses
What the CFPB Complaint Record Shows for Torres Credit Services, Inc.
288 complaints against Torres Credit Services, Inc. appear in the CFPB record, including 93 from the trailing year. The 21 states and territories represented put this footprint in multi-regional territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Torres Credit Services, Inc. answers 99.3% of forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. In 7.1% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Of complaints that were resolved, 4.5% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Torres Credit Services, Inc. have?
Torres Credit Services, Inc. has 288 total consumer complaints filed with the CFPB, with 93 filed in the last 12 months.
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.
What product generates the most complaints for Torres Credit Services, Inc.?
Among all products tied to Torres Credit Services, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Torres Credit Services, Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Torres Credit Services, Inc. - see all issues and counts above.
How do I file a complaint against Torres Credit Services, Inc.?
You can file a complaint against Torres Credit Services, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Torres Credit Services, Inc.?
The CFPB has recorded complaints against Torres Credit Services, Inc. from 21 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~288)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.