ComplaintsforTorres Credit Services, Inc
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Complaint Details
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Initial Complaint
08/18/2023
- Complaint Type:
- Billing Issues
- Status:
- Resolved
This company has filed a $108 collection on my credit report, but appears to be a scam. I have no record of this debt, and there is nowhere to contact anyone from the company, so they are hurting my credit score for no reason.Business response
08/23/2023
Torres Credit Services, Inc. ("TCS") was attempting to collect an alleged debt (File No. *******) forwarded to it from Commonwealth ****** (Account # ***********. Attached is the Bill confirming the balance due. Following receipt of this Complaint, TCS has discontinued collection of this account, requested deletion of its trade line from all credit reports and closed its file.Customer response
08/23/2023
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Regards,
*********************************Initial Complaint
08/17/2023
- Complaint Type:
- Billing Issues
- Status:
- Resolved
Torres is trying to collect a debt from me that is not mine for a Utility company. My lease ended Oct 1, 2022 from the address in question. I paid my final bill and began service at my new address. The amount they are saying I owe is for days well after my lease ended. I stopped service and moved out Oct 1 and these charges are for the months after. I called *** and they agreed that a mistake was made and that all charges would be dropped. The confirmation ****** was given to me by there dispute department.Business response
08/17/2023
Torres Credit Services, Inc. ("TCS") was attempting to collect an alleged debt (File #*******) forwarded to it from ******** ********** ****** (Account # *************. The Client reported the account paid in full on 7/22/2023.Customer response
08/17/2023
Everything is settled. Thank youInitial Complaint
08/11/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
This company is wrongfully appearing on my credit report lying to credit breaus saying I’ve had an account I have never had. I would like this taken off immediately.Business response
08/16/2023
Torres Credit Services, Inc. ("TCS") was attempting to collect an alleged debt (File No. *******) forwarded to it from ******** ********** ****** (Account # *************. Attached is the Statement confirming the balance due. Following receipt of this Complaint, TCS has discontinued collection of this account, requested deletion of its trade line from all credit reports and closed its file.Initial Complaint
08/06/2023
- Complaint Type:
- Billing Issues
- Status:
- Resolved
THIS COMPANY PUT A COLLECTION ACCOUNT ON MY TRANSUNION CONSUMER REPORT. I WAS NEVER NOTIFIED OF ANY ALLEGED DEBT. THIS IS A COMPLETE VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT, FAILURE TO VALIDATE. I NOTICED IN SIMILAR COMPLAINTS AGAINST THIS COMPANY, THAT THEY TRY TO VALIDATE THE DEBT IN THEIR RESPONSE TO COMPLAINTS ON THIS FORUM. I AM DEMANDING THE IMMEDIATELY REMOVAL OF THIS ACCOUNT FROM MY CONSUMER REPORT. I WAS NEVER CONTACTED ABOUT ANY ALLEGED. THERE WAS NO DEBT VALIDATION COMPLETED BY THIS COMPANY.Business response
08/08/2023
Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. *******)forwarded to it from ************ ****** (Account # ***********. Attached is the Bill confirming the balance due. Following receipt of this Complaint, TCS has discontinued collection of this account, requested deletion of its trade line from all credit reports and closed its file.Customer response
08/08/2023
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Regards,
********************Initial Complaint
07/13/2023
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I am writing to file a formal complaint against Torres Credit Services, Inc. for their unethical and unjustified actions regarding my credit report. I recently discovered a derogatory mark on my credit report, which has resulted in a significant deduction of 66 points from my credit score. It has come to my attention that this negative mark was reported by Torres Credit Services, Inc., on 6/16/23, despite this business making no attempts to contact me prior to reporting the debt. I would like to bring to your attention the following details regarding this matter: 1. Debt Settlement: The debt in question, which Torres Credit Services, Inc. claims I owe, was settled, and paid in full February 2023 by California’s Emergency Rental Assistance Program (ERAP). Therefore, the collection agency's claim of an outstanding debt is completely baseless and inaccurate. 2. Lack of Communication: It is both shocking and concerning that Torres Credit Services, Inc. failed to contact me before reporting the alleged debt to the credit bureaus. To my understanding, I should have received phone call or letter by mail prior to them reporting. This disregard for due process and failure to provide proper notice violates the Fair Debt Collection Practices Act (FDCPA) and other relevant consumer protection laws. 3. Negative Impact on Credit Score: The derogatory mark on my credit report, as a result of Torres Credit Services, Inc. 's actions, has had a significant negative impact on my creditworthiness. This unjust deduction of 66 points will affect my ability to secure favorable interest rates and obtain credit when needed. In light of the above, I kindly request that the Better Business Bureau investigate this matter thoroughly; I believe their actions are not only a violation of fair debt collection practices but also indicative of deceptive practices that can harm consumers.Business response
07/14/2023
Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. 9040274)forwarded to it from ******** ********** ****** (Account # *************. Attached is the Statement confirming the balance due. On March 23, 2023, there were 3 payments made totaling $419.65. This left a balance of $734.64 still due on your account. Following receipt of this Complaint, TCS has discontinued collection of this account.Customer response
07/16/2023
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Regards,
*************************Initial Complaint
06/23/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I submitted to my bank for a line of credit and was declined because of an unpaid account that was entered by Torres Credit Services on my credit report for the amount of $ 506.00. Apparently this was entered on my credit report in 2021 but I have never done business with Torres or had an account with them and have never received any documentation from Torres of what this account was for. In addition to not having a valid debt they continue to update it to make it look like it is recent to have a higher impact on my credit.Business response
06/28/2023
Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. *******)forwarded to it from *** ******** ********* (Account # ***********. Attached is the Statement confirming the balance due. Following receipt of this Complaint, TCS has discontinued collection of this account,requested deletion of its trade line from all credit reports and closed its file.Initial Complaint
06/19/2023
- Complaint Type:
- Order Issues
- Status:
- Resolved
I am not liable for this debt with ** ************ I do not have a contract with Torres Credit Services, Inc, they did not provide me with the original contract as I requestedBusiness response
06/28/2023
Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No.*******)forwarded to it from **** ****** (Account # ***********. Attached is the Bill & Statement from **** validating the debt. However, following receipt of this Complaint, as a courtesy to Complainant, TCS has discontinued collection of this account, requested deletion of its trade line from all credit reports and closed its file.Customer response
09/21/2023
Good afternoon ******* I just wanted to let you know that Torres Credit Services, Inc took the collection off my account and this matter has been resolved. I appreciate the BBB for helping me with this matter, thank you so much and have a blessed dayInitial Complaint
06/19/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
Was issued into collections for the amount of $115.00 // Torres Credit never attempted to contact me/I do not recall a charge of $115.00 being credited to any of my previous bills. The only account # I have is "******..." as shown on my credit report // I do not consent to giving my social security # at this time. Please have this removed from all reports in a timely manner. Thank you.Business response
06/23/2023
Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. *******)forwarded to it from ************ ****** (Account # **********). Attached is the Bill confirming the balance due. Following receipt of this Complaint, TCS has discontinued collection of this account, requested deletion of its trade line from all credit reports and closed its file.Initial Complaint
06/16/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with Peco and do not have a contract with Torres Credit services. They do not provide me with the original application like I asked.Business response
06/23/2023
Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No.*******)forwarded to it from **** ****** (Account # ***********. Attached is the Bill & Statement from **** validating the debt. However, following receipt of this Complaint, as a courtesy to Complainant, TCS has discontinued collection of this account, requested deletion of its trade line from all credit reports and closed its file.Initial Complaint
06/08/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
They issued a collections notice to TransUnion and the only people you can get when you call are people that want your credit card info to charge $1 to get a ‘team’ to dispute it and try to advice you against paying it. The debt they say is charged to me is 5 months of electric bills after I moved out of the state and I have email proof of my end of the lease but they won’t even give me an option to have them remove it and it is destroying my credit. They shouldn’t be in business if they won’t talk to the individuals they’re accusing of owing money to! Even though it wasn’t my debt I would pay the $145 owed just to have them take it off but they won’t even do that!Business response
06/28/2023
Torres Credit Services, Inc.("TCS") was attempting to collect an alleged debt (File No. *******)forwarded to it from ******** ********** ****** (Account # *************. This account was paid in full on June 9, 2023. TCS has requested the deletion of its tradeline from your credit record. This may take the credit reporting agencies several weeks to accomplish.
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Contact Information
Customer Complaints Summary
101 total complaints in the last 3 years.
50 complaints closed in the last 12 months.