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

CFPB complaint data Grade C 231 complaints

Torres Credit Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 18 states, reputation grade C.

Complaints by issue type

What consumers report about Torres Credit Services, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #10

  • VOL 231
  • GRADE C
  • 12MO 55
  • STATES 18
  • TIMELY 99%
  • DISPUTE 7%
  • ISSUE Attempts to collect debt n…
  • RANK #477
  • COMPOSE #10

Volume peers

Nearest volume peer: Alpha Recovery Corp (230 complaints)

R.A.Rogers, Inc.R.A.Rogers, Inc.229Alpha Recovery CorpAlpha Recovery Corp230Torres Credit Services, Inc. (this)Torres Credit Services, Inc.…231Automated Collection Services, Inc.Automated Collection Service…233Hollis Cobb AssociatesHollis Cobb Associates233
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 →

How the 231 complaints break down

Every complaint issue type on record for Torres Credit Services, Inc., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
58.6/100
Torres Credit Services, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
231
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
7%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#477 volume
#10 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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, Inc. National average
Complaints (last 12 mo)lower is better
55
0
268
Timely-response ratehigher is better
99%
93%
91%
Consumer-dispute ratelower is better
7%
14%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Torres Credit Services, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 92%94%96%98%100%102% 0%20%40%60%80% Timely response rate (%) Dispute rate (%) Torres Credit Services, Inc. vs. 9 similar-volume peers, by response speed and dispute rate Torres Credit Services, Inc.Alpha Recovery CorpHollis Cobb AssociatesAutomated Collection Services, Inc.R.A.Rogers, Inc.RSI Enterprises, Inc.Tenaglia & Hunt, PAGatestone & Co. International Inc.Atlantic Credit & Finance, Inc.Cooling & Winter LLC
Source: CFPB Consumer Complaint Database

Torres Credit Services, Inc.'s complaint volume in context

Torres Credit Services, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

231 Top 9% higher than 91% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Torres Credit Services, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
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.

Top states by complaints against Torres Credit Services, Inc.

Across 18 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.