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 2026-08-14
- 288
- Total complaints
- Above average
- 93
- Last 12 months
- 99.3%
- Timely response
- Above median
- 21
- States affected
The verdict
288 CFPB complaints put Torres Credit Services, Inc. at #719 out of 3,843 financial companies ranked by complaint volume. It posts a 99.3% on-time response rate, the 66th percentile among companies with 100+ complaints.
- #719
- of 3,843 companies by volume
- 99.3%
- on time (66th pctile)
- Debt collection
- most-complained product
- 21
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Torres Credit Services, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.3% Higher than most higher than 66% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 40 in 2024 to 98 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
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 |
| 2026year in progress | 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. posts a 99.3% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. Resolved cases drew a formal consumer-dispute rate of 7.1% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Torres Credit Services, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (7.1% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
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.