Total CFPB complaints
227
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 227 complaints
Torres Credit Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 18 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Torres Credit Services, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
109 complaints
- Written notification about debt 31
Written notification about debt
31 complaints
- Took or threatened to take negative or legal action 18
Took or threatened to take negative or legal action
18 complaints
- False statements or representation 17
False statements or representation
17 complaints
- Cont'd attempts collect debt not owed 17
Cont'd attempts collect debt not owed
17 complaints
- Communication tactics 12
Communication tactics
12 complaints
C
Grade C · 61.3/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Torres Credit Services, Inc.?
Torres Credit Services, Inc. has accumulated 227 total CFPB complaints across 18 states, with 67 filed in the most recent 12 months against 160 historical complaints before that window. The trailing-12-month volume represents 29.5% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 7% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 18 states, led by Illinois with 65 and California with 64, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.3/100 places Torres Credit Services, Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
67
29.5% of total history
Rising ↑
States active
18
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
7%
After company response
Reputation grade
C
61.3/100 composite
Response-quality profile
How Torres Credit Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 14.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 32.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Torres Credit Services, Inc. compare to its peers?
Torres Credit Services… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed109 (%)
Took or threatened to take negative or legal action18 (%)
Written notification about debt31 (%)
False statements or representation17 (%)
Communication tactics12 (%)
Cont'd attempts collect debt not owed17 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 66 |
| Attempts to collect debt not owed | Debt was result of identity theft | 29 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 18 |
| Written notification about debt | Didn't receive enough information to verify debt | 17 |
| False statements or representation | Attempted to collect wrong amount | 17 |
| Written notification about debt | Didn't receive notice of right to dispute | 14 |
| Attempts to collect debt not owed | Debt was paid | 14 |
| Communication tactics | Frequent or repeated calls | 12 |
| Cont'd attempts collect debt not owed | Debt is not mine | 11 |
| Cont'd attempts collect debt not owed | Debt was paid | 6 |
Where do complaints against Torres Credit Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against Torres Credit Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Torres Credit Services, Inc.
Across 18 states with at least one filing
- Illinois
Illinois
65 complaints
- California
California
64 complaints
- Pennsylvania
Pennsylvania
49 complaints
- Texas 13
Texas
13 complaints
- Florida 8
Florida
8 complaints
- Arizona 7
Arizona
7 complaints
- New York 4
New York
4 complaints
- Nevada 3
Nevada
3 complaints
Frequently Asked Questions
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 227 complaints filed with the CFPB.
Are complaints against Torres Credit Services, Inc. increasing or decreasing? ▼
Complaints against Torres Credit Services, Inc. are rising. The company received 67 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Torres Credit Services, Inc.'s reputation grade? ▼
Torres Credit Services, Inc. has a reputation grade of C (score: 61.3/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 Illinois (65 complaints).
What can I do if Torres Credit Services, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Torres Credit Services, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |