Torres Credit Services, Inc

Dear *** ***.Your account has been listed with us for collectionPlease remit your check or money order in the amount of $For your convenience We have enclosed a return envelope.All payments must be made directly to this office for prompt credit to your account or call toll free at
###-###-#### to make arrangements.Unless you notify this office within days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is validIf you notify this office in writing within days from receiving this notice, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verificationIf you request this office in writing within days after receiving this notice, this office provide you with the name and address of the original creditor, if different from the current creditor.This is an attempt to collect a debtAny information obtained will be used for that purposeThis communication is from a collection agency.Sincerely,Torres Credit Services, Inc

May 25, 2016Dear *** ***:This letter is a follto your recent letterI represent Torres Credit Services, Inc(hereafter "TCS"), a Pennsylvania corporation conducting business as a licensed collection agency in various jurisdictionsTCS is not a telemarketer and performs no activities
whatsoever which fall within the purview of the Telemarketer Registration Act, P.SS (2005), et seq., (hereinafter "the Act.").As you know, under the Act, "a telephone solicitation call does not include a call made to a residential or wireless telephone consumer,(2) in reference to an existing debt, contract, payment or performance." TCS was attempting to collect an alleged debt forwarded to it by *** *** *** ***Enclosed is a copy of the utility bill which TCS requested following a telephone conversation with *** *** on May 13, However, TCS has discontinued collection of this account, requested deletion of its trade line from all credit reports and closed its fileAny further inquiries regarding this account must be directed to *** *** *** ***.I trust that this matter has been fully and finally resolved by TCS and I remain,Very truly yours, Charles R., Esquire

April 1, 2016Dear *** ***:This letter is a follto the above-referenced Complaint submitted on March 21, As you know, I represent Torres Credit Services, Inc(hereafter "TCS"), a Pennsylvania Corporation Conducting business as a licensed collection agency in various jurisdictions
TCS is not a telemarketer and performs no activities whatsoever which fall within the purview of the Telemarketer Registration Act, P.SS (2005), et seq, (hereinafter "the Act.").TCS closed the Complainant's file and removed its tradeline from all credit files on March 23, 2016, when the complainant paid her account in full.I trust that this matter has been fully and finally resolved by TCS and remain,Very truly yours,Charles R.Esquire

October 19, 2016Dear *** ***:This letter is a follto your recent letterrepresent Torres Credit Services, Inc(hereafter "TCS"), a Pennsylvania corporation conducting business as a licensed Collection agency in various jurisdictionsTCS is not a telemarketer and performs no
activities whatsoever which fall within the purview of the Telemarketer Registration Act, P.SS (2005), et seq., (hereinafter "the Act.").As you know, under the Act, "a telephone solicitation call does not include a call made to a residential or wireless telephone consumer,(2) in reference to an existing debt, contract, payment or performance." TCS was attempting to collect an alleged debt forwarded to it by *** ***Attached is a copy of the utility bill and *** Account Activity Statement which confirm the balance dueHowever, TCS has discontinued collection of this account, requested deletion of its trade line from all credit reports and closed its fileAny further inquiries regarding this account must be directed to *** ***.trust that this matter has been fully and finally resolved by TCS and remain,Very truly yours,Charles R., Esquire CR/tsf

[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.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because:Though the tradeline has now been removed from the major credit bureaus I have not received any documentation from Torres Credit Services and/or the original creditor indicating that the debt will not be sold/collected upon again in the futureAdditionally I have not received confirmation that the debt will not be reported again in the futureI request that Torres Credit Services provide a letter indicating specifically that the following will NOT occur:ATorres Credit Services will not sell the debt to a different collection agencyBTorres Credit Services will not report this debt again in the future under any circumstancesTherefore I request that Torres Credit Services contact the original creditor and provide evidence that this action was completedThank you
Regards,
*** ***

September 19, 2016Dear [redacted]:This letter is a follow-up to the above-referenced Complaint submitted on September 9, 2016. As you know, I represent Torres Credit Services, Inc. (hereafter “TCS”), a Pennsylvania corporation conducting business as a licensed collection agency in various...

jurisdictions. TCS is not a telemarketer and performs no activities whatsoever which fall within the purview of the Telemarketer Registration Act, 73 P.S. § 2241 (2005), et seq, (hereinafter “the Act.”).TCS closed the Complainant’s file and removed its tradeline from all credit files on September 14, 2016, when the complainant paid the account in full.I trust that this matter has been fully and finally resolved by TCS and I remain,Very truly yours,Charles REsquire

[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.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  I will be calling to make sure that the [redacted] one is going to be taken off my credit report though.
Regards,
[redacted]

This letter is a follow-up to your recent letter. I represent Torres Credit Services, Inc. (hereafter "TCS"), a Pennsylvania Corporation Conducting business as a licensed...

collection agency in various jurisdictions. TCS is not a telemarketer and performs no activities whatsoever which fall within the purview of the Telemarketer Registration Act, 73 P.S. S 2241 (2005), et seq., (hereinafter "the Act.").As you know, under the Act, "a telephone solicitation call does not include a call made to a residential or wireless telephone Consumer,... (2) in reference to an existing debt, contract, payment or performance." TCS was attempting to Collect an alleged debt forwarded to it [redacted] Company. Attached is a copy of the utility bill which Confirms the balance due. However, TCS has discontinued Collection of this account, requested deletion of its trade line from all Credit reports and closed its file.I trust that this matter has been fully and finally resolved by TCS and remain.Very truly yours,Charles R[redacted], Esquire CR/tSf

[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.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

August 13, 2015Dear [redacted]:This letter is a follow-up to your recent letter. I represent Torres Credit Services, Inc. (hereafter "TCS"), a Pennsylvania corporation conducting business as a licensed collection agency in various jurisdictions. TCS is not a telemarketer and performs no...

activities whatsoever which fall within the purview of the Telemarketer Registration Act, 73 P.S. § 2241 (2005), et seq, (hereinafter “the Act.").As you know, under the Act, “a telephone solicitation call does not include a call made to a residential or wireless telephone consumer;... (2) in reference to an existing debt, contract, payment or performance." TCS was attempting to collect an alleged debt forwarded to it by [redacted]. Although [redacted] confirms the amount of $93.80 remains due, following receipt of your letter, TCS discontinued collection of the account, requested deletion of its trade line from all credit reports and closed its file.I trust that this matter has been fully and finally resolved by TCS and I remain,Very truly yours,Charles R., Esquire

April 11, 2017Dear [redacted]:This letter is a follow-up to your recent letter. I represent Torres Credit Services, Inc. (hereafter "TCS"), a Pennsylvania corporation conducting business as a licensed Collection agency in various jurisdictions. TCS is not a telemarketer and performs no...

activities whatsoever which fall within the purview of the Telemarketer Registration Act, 73 P.S. S 2241 (2005), et seq., (hereinafter "the Act.").As you know, under the Act, "a telephone solicitation call does not include a call made to a residential or wireless telephone consumer;... (2) in reference to an existing debt, contract, payment or performance." TCS was attempting to collect an alleged debt forwarded to it Commonwealth Edison. Attached is a copy of the utility bill and account summary which confirms the balance due. Also enclosed is a letter previously forwarded to [redacted] regarding this account. However, TCS has discontinued Collection of this account, requested deletion of its trade line from all credit reports andclosed its file.trust that this matter has been fully and finally resolved by TCS and I remain,Very truly yours,Charles R., Esquire

This letter is a follow-up to your recent letter. I represent Torres Credit Services, Inc. (hereafter "TCS"), a Pennsylvania corporation conducting business as a licensed collection agency in various jurisdictions. TCS is not a telemarketer and performs no activities whatsoever which fall within the...

purview of the Telemarketer Registration Act, 73 P.S. S 2241 (2005), et seq., (hereinafter "the Act.").As you know, under the Act, "a telephone solicitation call does not include a call made to a residential or wireless telephone consumer,... (2) in reference to an existing debt, contract, payment or performance." TCS was attempting to Collect an alleged debt forwarded to it by [redacted]. Following receipt of your letter, TCS Confirmed with [redacted] that $37.17 remains due and owing. However, as a courtesy, TCS has discontinued collection of the account, requested deletion of its trade line from all credit reports and closed its file.I trust that this matter has been fully and finally resolved by TCS and I remain,Very truly yours,Charles R[redacted], Esquire CR/tsf

January 13, 2016Dear [redacted]:This letter is a follow-up to your recent letter. I represent Torres Credit Services, Inc. (hereafter "TCS"), a Pennsylvania corporation conducting business as a licensed collection agency in various jurisdictions. TCS is not a telemarketer and performs no...

activities whatsoever which fall within the purview of the Telemarketer Registration Act, 73 P.S. S 2241 (2005), et seq., (hereinafter "the Act.").As you know, under the Act, "a telephone solicitation call does not include a call made to a residential or wireless telephone Consumer,... (2) in reference to an existing debt, contract, payment or performance." TCS was attempting to collect an alleged debt forwarded to it by Commonwealth Edison. Following receipt of a telephone call from [redacted] on January 7, 2016, TCS discontinued collection of the account and closed its file. TCS never reported this account to the credit bureaus.trust that this matter has been fully and finally resolved by TCS and remain,Very truly yours, Charles R., Esquire

[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.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

January 17, 2017Dear [redacted]:This letter is a follow-up to your recent letter. I represent Torres Credit Services, Inc. (hereafter "TCS"), a Pennsylvania corporation conducting business as a licensed collection agency in various jurisdictions. TCS is not a telemarketer and performs no...

activities whatsoever which fall within the purview of the Telemarketer Registration Act,73 P.S. S 2241 (2005), et seq., (hereinafter "the Act.").As you know, under the Act, "a telephone solicitation call does not include a call made to a residential or wireless telephone consumer;... (2) in reference to an existing debt, contract, payment or performance." TCS was attempting to collect an alleged debt forwarded to it Commonwealth Edison. Attached is a copy of the utility bill which confirms the balance due. This information was sent directly to Ms. Hyde on January 10, 2017. However, TCS has discontinued Collection of this account, requested deletion of its trade line from all credit reports and closed its file.I trust that this matter has been fully and finally resolved by TCS and remain,Very truly yours,Charles R[redacted], Esquire

January 24, 2017Dear [redacted]:This letter is a follow-up to the above-referenced Complaint submitted on January 19, 2017. As you know, I represent Torres Credit Services, Inc. (hereafter “TCS”), a Pennsylvania corporation conducting business as a licensed collection agency in various...

jurisdictions. TCS is not a telemarketer and performs no activities whatsoever which fall within the purview of the Telemarketer Registration Act, 73 P.S. § 2241 (2005), et seq, (hereinafter “the Act.”).TCS closed the Complainant’s file and removed its tradeline from all credit files on October 27, 2016, when the complainant paid the account in full. This process may take the credit reporting agencies several weeks to complete. TCS has confirmed however, that the CRA’s have fulfilled their request.I trust that this matter has been fully and finally resolved by TCS and I remain,Very truly yours,Charles R.Esquire

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]

Please see attached response.This letter is a follow-up to your recent letter. I represent Torres Credit Services, Inc. (hereafter "TCS"), a [redacted] corporation conducting business as a licensed collection agency in various jurisdictions. TCS is not a telemarketer and performs no activities...

whatsoever which fall within the purview of the Telemarketer Registration Act, 73 P.S. § 2241 (2005), et seq., (hereinafter “the Act."). As you know, under the Act, "a telephone solicitation call does not include a call made to a residential or wireless telephone consumer;... (2) in reference to an existing debt, contract, payment or performance.” TCS was attempting to collect an alleged debt forwarded to it by [redacted] and a second alleged debt forwarded to it from [redacted]. On February 21, 2012, [redacted] provided a credit card number to pay the [redacted] account in full but the credit card declined. Attached is confirmation from [redacted] that the balance of $55.02 remains due and owing. [redacted] confirmed today that [redacted] account is paid in full. TCS discontinued collection of the accounts, requested deletion of its trade line from all credit reports and closed its files. All future inquiries regarding these accounts should be directed to the creditor directly. I trust that this matter has been fully and finally resolved by TCS and I remain,Very truly yours,Charles R[redacted], Esquire

September 10, 2015Dear [redacted]:This letter is a follow-up to your recent letter. I represent Torres Credit Services, Inc. (hereafter “TCS”), a Pennsylvania corporation conducting business as a licensed collection agency in various jurisdictions. TCS is not a telemarketer and performs no...

activities whatsoever which fall within the purview of the Telemarketer Registration Act, 73 P.S. § 2241 (2005), et seq, (hereinafter “the Act.”).As you know, under the Act, “a telephone solicitation call does not include a call made to a residential or wireless telephone consumer;... (2) in reference to an existing debt, contract, payment or performance.” TCS was attempting to collect an alleged debt forwarded to it by [redacted]. Following receipt of your letter, TCS discontinued collection of the account, requested deletion of its trade line from all credit reports and closed its file.I trust that this matter has been fully and finally resolved by TCS and I remain,Very truly yours,Charles R.Esquire CR