Torres Credit Services review: false debt 38

I too have just been notified of this so called debt on my credit report, it's for $47 don't know what it's for. I have never recieved any notices from them so don't know how they can put something on my credit report without first infroming me of such a debt.

I just received notice through my monitoring service of derogatory info from Torres in my credit report as well. In looking closer, it is $32 from BMG and it lists the account as being opened last year. I have not opened ANY new accounts in years, and certainly not with BMG, since I am trying to pay off bad debt, not add to it. I have never hard of Torres before this either, and am filing a dispute and adding a consumer statement to the 2 credit reports this is listed on. Absurd. I have bad debt on my credit report, and am working diligently to pay it off. This she first new negative in several years and it doesn't make sense.

TORRES CREDIT SERVICES IS A SCAM. I received a credit alert from my credit monitoring agency saying that I owed this company that I never heard of $31. Since there was no phone #, I contacted Transunion to have it deleted and it was. Then, days after the removal it pops up on Experian, now with a phone #. So I call them and the only information they have on me is the information that I gave them. It is only then that they said that they are collecting on a debt that I paid in 2006. I disputed this with Experian as well and I am waiting for a response but in the meantime, my credit score has gone down significantly. It is so frustrating because I've worked so hard to maintain good credit.

I too have an item on my credit report from this company. My problem is that I am currently deployed with the US Army and have been for ten months. I checked the date on this action, and it appeared on my credit report six months after I left the States. I am just now able to check my credit again, and my score has already suffered from this company's false claim. I am just wondering what I can do right now to fix this, or if I have to wait another few months and make some calls when I am home again...

I've been dealing with them also. The young man I spoke to was very nice, but yesterday I spoke with a woman who was very rude. She stated that apparently I know nothing about collections. I shut sher down rather quickly when I told her I had over 15 years in billing, coding and COLLECTING! Our credit too was messed up by this company. When I called they stated that their last statement to us was in 2006. Hello!, now all at once they show up with the Credit Bureaus. I am writing a dispute letter to all of the bureaus.

I as well am experiencing the same situation (mine for $43) withTorres and also it seems that weekly it is hitting on the reports so my score is going down as well.
I also have no idea who this is; what it is for. I have rec'd no letters, calls etc. so I too am clueless and do share in the absurdity, the frustration and will try the BBB or ? to file complaints... There must be someone who can help us all out. Maybe TV consumer dept or ?

I am going through the same thing. My Creditkeeper sent me an alert and I went in to check it and it was two things with Torres Credit Services, one for $50.00 and the other for $57.00. I have no idea what these are and there is no phone number for me to contact anyone. I did not receive anything in the mail of any such collection or debt amount. I am upset over this because I am working very hard to rebuild a shattered credit score from a divorce and these two items from Torres Credit Services is hammering my credit scores. I will be writing a letter to the bureaus to dispute these items placed on my credit report by Torres Credit Services. The economy is bad enough without this company hurting us all.

Not only do I have no idea what Torres thinks I haven't paid, as they've reported to all three bureaus, but the phone numbers they list are either out of service or a "ladies" talk line! Sounds awfully fraudulent to me. As this is a Sunday, I'm calling my CreditSecure folks in the morning. Grrrr.

Is everyone's monitoring service Creditkeeper?

I just received and alert from my credit creditkeeper today, saying there is a collection in the amount of 81.00. This Torres Credit Services is a complete scam.I also haven't received any calls, letters etc. and have no idea what this is about.this should be VERY illegal! and i would love to know how did these people get my social security #! I'll have to wait till tues.

For everyone who needs TCS phone # it is [protected], i used to work for this company and i can tell that it is a real colelction agency not a scam but the practies there are the reason i left

Torres Credit Services, INC. This is a scam, plance and simple!

I received a notice that I am being put in collection from a company I have not had any contact with..
They say I owe Mystery Guild $34.96. I have not ordered anything from that company. And my credit is perfect. I tried to contact them but was just put on hold. I will not pah this and need to get this collection off my records, now.
My name is John Steele
[protected]

I just checked my credit reports & GUESS WHAT? there it is, Torres Credit! Supposedly owe them $26, for what? I don't know! Gonna fight this cause I've never heard or opened anything with them & believe me I'm not gonna ruin my credit over $26!

These people are ### of the earth. I am currently looking into what it would take to file a class action suite against them. I am at the very least filling my own law suite and would recommend everyone else do the same. We are all allowed to sue for damages plus $1000. The first step is to send them a debt validation letter via certified mail. they will most likely send back an unsigned letter saying you owe money, This Is Not A Validation Of Debt! This is the first tool in a suite against them. Next send them a cease and desist letter via certified mail letting them know they are violating the FDCPA. At this point they will most likely give up but they have still caused damages.

Well, it appears by all of these complaints, Torres Credit Services, is certainly not following the laws. I too, checked my credit reports and found that they had listed a collection for $50.00 on all three of my credit reports. They have never attempted to contact me in any way. I have lived at the same address and had the same phone number for over 16 years. It appears that instead of sending out any notices to people, they simply list them with the credit bureau and wait for the consumer to contact them or pay it, which is a violation of the law. Now that this has dropped my credit score I am now having to spend time and money trying to fix it. I have filed a dispute with all three credit bureaus, FTC, BBB, and the Attorney General's Office, in my state and theirs. I will also have to send a certified letter to them disputing and asking for validation of the debt. What a shame that we have to do all this because of an unscrupulous business. It says this business is a "collection agency/attorney" on my credit report. I hope it is an attorney, I would enjoy taking them to small claims court and getting $1, 000 out of them. They would have to come to where I live :) Quite a journey for this alleged $50.00 debt. I hope everyone will dispute their debt, and not just pay them...because that is what they are counting on.

"sigh... FDCPA...but then, you probably know that already and are just trolling for your collection agency. You are required to send a notice to the consumer, before you place it with any credit bureau. We as consumers have the right to dispute the debt, and ask for validation, which again by law, you are required to furnish to us. Yea, I know, it requires time, but hey, wouldn't you want to know that you are trying to collect a legal and valid debt before you start? I know what my debts are, thank you. This particular one is not one of them. Sadly, this could have all been cleared up if a notice had been sent prior to placing it on my credit reports. But instead Torres Credit Services chooses to ignore the law, not send out any notices, take the easy way and just place it with the credit bureaus, and hope that people will just contact them and pay. Sadly, some will. But hopefully, many won't and will complain about their practices and hopefully, they will get fined, which is exactly what needs to be done. I have no problem with a business that follows the law to conduct their business. I have no problem with Debt Collectors attempting to collect a VALID debt. Well sonny...this one isn't VALID, and judging by all the complaints, mine isn't the only one. So be a good boy or girl and simply follow the law and you won't have any problems.

Same with me. $100 debt just showed up on my report. I have no idea who these people are.

Yep $100 debt to the TORRES demons showing up in my Experian report today. NEVER HEARD OF THEM-!...I am overseas, so I had to only try dispute it online. Sucks-! How did they get my private and confidential details?

False debt isn't their only problem. Misguided collection is also an issue. They don't seem to learn that the individual they are attempting to reach, on behalf of their ignorant client, is no longer at the number they have on file. Torres called from [protected] at around 9:00 AM, on a Saturday morning, and didn't clearly identify themselves. I only knew they were a collection agency when they asked for the individual who used to have my phone number (almost 18 months ago). Calling the phone number (from Caller ID) is how I discovered who they were (by name). The woman who called, when I confronted her to find out how the error would be remedied, only stated that THEIR RECORDS would be corrected. What about the clients they represent? I suspect these agencies are playing 'pass-the-buck' when they fail to collect.

Nobody is getting any money from me. No sweat-! Not even one cent. Let those poor people, I mean poor (cashless) remain in their nest and fail in their hopes of getting non-existant fraudulent dollars, worse than worthless beggers.

NOBODY IS GETTING 1 CENT FROM ME...Let them keep reporting FALSE DEBTS FOREVER and go to hell.(period). I dont give a damn...

Doesn't the credit agency's see all the complaint's against Torres Credit they have to know something isn't right. It seems to me that there was no Torres credit on my report till i joined credit karma. Now i have a bogus report from them for $ 81.00

well I to have gotten this noticed at the same time I had identy theft protection and canceled it my thoughts it stirs from them to get ya membership back. gonna investagate.

Earlier this year I became a victim of income tax identity theft and I still haven't gotten my check that I have worked so hard for. Anyway I enrolled in identity protection and they send me alerts when something happens to my credit. I too got a report from this torres credit service for $56.00. This is the first time that I have ever heard of this service and I have never gotten anything in the mail from them and I can't remember anything where I may owe that amount of money. So, I thought that I would research this service and came across this site and I noticed that everyone on this site has posted that they said that they owe an oddball amount of money less than $100.00. Sounds a little fishy to me.

yeah, my name is detra, and i was checking my credit reprot with creditOkarma.com and this torres crdt showed up for $30.00 on my report..and its affecting my reort...i don't know what it's about or who it's about...don't know nothing about it...it comes out of pa...from my understanding...and i haven't lived thier since i was like two...and after that we moved...so i dont understand how it ended up on my credit report..but i would like it removed or im gonna go to the proper authorites and get a lawyer and have this taken care of...and im stressing that i will get a lawyer if i have to..cause i read all the comments about people haveing the same problem i am...so you can contact me through my email at detrabaucom@yahoo.com...

well guess what a debt junt showed up on my cresit for 88 dollars and i don!t know what it is shame on torres they should be put in jail

They just put a collections notice on my credit report saying I owe them $31! I don't even know who they are! How the hell can people do this?

Well I have been seen them on my credit for the past few months, I've called and left a message but no return call, they report $33.00 on my credit every week, who does that? I looked them up and found the number again, left another message hopefully i will get a response, the number i found was [protected] so we will see what happens.

I also have a collections on my credit report from this Torres, claiming I have a bill from Columbia house for $100. I am currently disputing this as well. The # on my credit report has been disconnected. I researched the actual Columbia house website and the # is different then whats reported, so I called them and they said they have no record of my name as ordering from them at all.

i'd like to know how the heck they get my personal info. to charge me for $129.00 that i have never asked for nor used, then put it delinquent on my credit report, what can i do about this?

Torres credit services has me with a loan of $129.00 that i have never asked for, nor have i used it to have them put this as delinquent on my credit report, , i wish to have this removed but i am of low income, how can i get help?

Torres Credit Services has been calling me regularly for the past 3 months. No one (or even a machine) is there when I answer the phone. Only by calling back the number on my caller ID have I found out that it is Torres Credit Services calling me. They claim to be looking for a particular woman, and when I inform them that they have a wrong number, they claim to take it off their call list. However, I have continued to get phone calls from them.

Torres Credit Services is a debt collector. Do as thisman says and send them a cease & desist letter via certified mail and return receipt requested. One they get the request in writing, they have to stop by law. You better check your credit reports too. This company has a reputation of placing bogus debts on the credit reports of the people they are calling. Dispute any bogus debt with the collections agencies. Most have an online dispute method. Also keep in mind that there is no law that says you must answer your phone when it rings. Use your caller ID to screen those calls. I say this because they don't care that they don't have the correct person. If they did, you wouldn't still be getting calls from them. Debt collectors have been known to find someone in the same area as the person they are looking for, with the same last name, for instance. They start calling THAT person, harassing THEM about a 'debt' the person has never heard of (sound familiar?) As long as the person keeps answering the phone, they will keep harassing the person in the hopes that the person will pay the 'debt' just to make them go away...It really does happen... and some people get so 'worn down' by this tactic that they DO end up paying a 'debt' that isn't even theirs, just to make these ### go away...You can choose NOT to be a victim. Know your rights! Research the federal laws that protect you! The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Go to www.naca.net where you can find attorneys in your are who specialize in dealing with ### like this. Most have a free consultation.

I just checked my credit report - via Credit Karma and saw Torres Credit for $296! I do not know where this is from or what it is for! I filed bankruptcy last year and I know for a fact this was not on my credit - anywhere! And I also know for a fact that I have not opened an account with ANYBODY nor have I ordered anything or owe anybody since my bankruptcy! I wonder how can companies just place negative information on your credit report without your knowledge. There should be some type of law against this! And if they think I am just going to buckle and pay them, they can think again! I agree with one of the previous complaints, that we should file Class Action Suit! They're probably hoping that people will just pay them and not question it, which is probably how they stay in business! CROOKS!

I HAVE ALSO HAVE TORRES CRDIT ON MY CREDIT REPORT FOR $96 AND DO NOT KNOW WHAT IT IS FOR

I also checked mine at credit karma and Torres shows on it for a 60.00 charge to Doubleday Book Club. I have not ordered anything from anyone since my divorce started back in 2010 but this shows as being owed since Dec. 13, 2012!
I will be sending out letters, and contacting people first thing in the morning. I am a single mother of 2 kids, and I have better things to spend my money on than lining the pockets of complete crooks! They will not get a dime of money from me, and if anyone wants to get together to start a class action law suite my email is regina.shively@yahoo.com I'll join in with you just to see these people out of business.

Additional Informationtop
BBB file opened: October 31, 2005 Business CategoryCollection Agencies

Alternate Business NamesTorres Credit Services, Inc Additional InformationOn October 22, 2012, the BBB requested information from the company regarding certain company policies, debt collection practices, pattern of complaints, company representatives, and to determine whether the company was in compliance with FTC regulations concerning the Fair Debt Collection Practices Act. The company failed to respond to the BBB inquiry.

This is what I found when I checked in with the BBB on Torres.