What is the most common complaint against Torres Credit Services, Inc.?

The most common issue consumers report about Torres Credit Services, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 231 complaints filed with the CFPB.

Are complaints against Torres Credit Services, Inc. increasing or decreasing?

Complaints against Torres Credit Services, Inc. have been stable. The company received 55 complaints in the last 12 months.

What is Torres Credit Services, Inc.'s reputation grade?

Torres Credit Services, Inc. has a reputation grade of C (score: 58.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Torres Credit Services, Inc. respond to consumer complaints?

Torres Credit Services, Inc. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 7% of cases.

In how many states does Torres Credit Services, Inc. operate?

Torres Credit Services, Inc. has received CFPB complaints from consumers in 18 states, with the most complaints from California (65 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Torres Credit Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 18 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

115
Written notification about debt

32
Cont'd attempts collect debt not owed

22
Took or threatened to take negative or legal action

21
False statements or representation

18
Communication tactics

16

Data updated September 2026

CFPB complaint disposition

CCDB record torres-credit-services-inc Torres Credit Services, Inc.

Grade C · 231 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #477 · compose #2598

VOL 231
GRADE C
12MO 55
STATES 18
TIMELY 99%
DISPUTE 7%
ISSUE Attempts to collect debt n…
RANK #477
COMPOSE #2,598

Volume peers

Nearest volume peer: Alpha Recovery Corp (230 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Torres Credit Services, Inc.'s 231 CFPB complaints sit next to Alpha Recovery Corp on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

California is the plurality state for Torres Credit Services, Inc. (28.1%)

Volume rank #477 and composite rank #2,598 diverge by 2,121 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: California 28.1%; Mid-band (15–30%) · 18 states with ≥1 filing
Seasonal peak: 2025-02 11.5%; 8–15% band · 6 filings
Divergent corpus ranks: #477 volume; #2,598 composite; Cleanest-composite ladder is 2,121 places worse than volume

How does Torres Credit Services, Inc. compare to its peers?

How does Torres Credit Services, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Torres Credit Services… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

99%

93%

91%

Consumer-dispute ratelower is better

14%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-06 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	115
Written notification about debt	32
Cont'd attempts collect debt not owed	22
Took or threatened to take negative or legal action	21
False statements or representation	18
Communication tactics	16
Disclosure verification of debt	6
Improper contact or sharing of info	1

Where do complaints against Torres Credit Services, Inc. come from?

Torres Credit Services, Inc.'s own per-state count, not a national baseline.

California

65
Illinois

64
Pennsylvania

53
Texas

13
Florida

8
Arizona

7
New York

4
Georgia

3

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Torres Credit Services, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 231.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.11894273127754%.

4 peers

Know your rights before responding to Torres Credit Services, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.