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Business Profile

Credit Repair Services

The Credit Joe

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Repair Services.

Complaints

This profile includes complaints for The Credit Joe's headquarters and its corporate-owned locations. To view all corporate locations, see

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The Credit Joe has 2 locations, listed below.

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    Customer Complaints Summary

    • 48 total complaints in the last 3 years.
    • 3 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:02/07/2025

      Type:Service or Repair Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Joe represented himself as a former bank attorney who filed violation under FDCP to help cleanup and fix credit. Joe made excuse after excuse as too why no progress was made or complaint/violation filed and even collected an additional $90 stating he had to pay the FTC $45 for me and $45 for my file to file. Joe then stopped answering emails, phone calls, deleted his ********* profile and created a new one ************************************* ***********************************************************************************************************************************

    • Initial Complaint

      Date:11/18/2024

      Type:Product Issues
      Status:
      Unresolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      The company originally advertised fixing errors on consumer's credit reports for only $99 on *********. The ad has now been taken down. The website then advertises charges of only $20 per item removed. The company has yet to deliver any of the services it has claimed. I have called and emailed the company multiple times. In the email chain you can see the promises made by the company multiple times but yet the company never finishes the job. The company is just dragging me along. I just want a refund at this point because I believe the company can't complete the credit report improvement services they are claiming. They just keep asking for more money. If you read the emails you will see I have sent them a total of $345 which is what I would like back via a refund.

      Business Response

      Date: 11/30/2024

      This is not our business. This business is owned by **** *****. It has nothing to do with our business which was closed. 

      Customer Answer

      Date: 11/30/2024

      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.   The person I spoke with on the phone and via email claimed to be Joe the owner of the business. Now they are saying the business is closed and referring us to another person. The phone number I have on file is ************. This is unacceptable and all consumers should be aware of this fraudulent business that changes its name multiple times pretending to be different companies at different addresses. It's all the same person/company.  Regards, *********** *****

    • Initial Complaint

      Date:06/26/2024

      Type:Order Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Joseph Hobaica, owner of 123 credit restoration charged me $299.00 to fix my credit, promising a 90 day money back guarantee and my credit score to also jump over 100 points in this time frame. He promises to remove negative items impacting credit, to file complaints with the companies , to remove inquiries, etc.. he has done absolutely nothing and avoids all contact. The few times he did answer the messages made no sense at all. He is a scammer, scamming people with bad to not perfect cresit out of money. Taking advantage of an already horrible situation.

    • Initial Complaint

      Date:04/02/2024

      Type:Order Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      He took my money for a service to get an item removed from my credit as attached in the pictures and did NOT do ANYTHING. I asked for a refund repeatedly OR for the proof and he ignored it. Please go to the link below for the FULL story: https://*****.**********************.com/123creditus----scam-alert-

    • Initial Complaint

      Date:03/10/2024

      Type:Service or Repair Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I paid for credit repair and was not provided any services for my money. They did not do anything nothing was filed or done. Asked for proof of services multiple times was provided nothing. Nothing has been done and they were paid in full and I have proof of payment

    • Initial Complaint

      Date:02/29/2024

      Type:Order Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Pd $299 Sept 18 Pd $400 Sept 28 Pd $200 Oct 13 The first amount was for credit repair which he send supporting document showing what actions would come off and a score range of course with a 90 day money back guarantee. Then he talked me into a business builder credit plan for the $400 and $200 pd. I never received any documentation of what was actually done regarding the payment for service. I have never received any updates at all to this date. I get the same excuses of covid or I my secretary will send over. I wish I would have read the reviews prior to being scammed by him. Complete joke of service. Stay far away.

    • Initial Complaint

      Date:02/25/2024

      Type:Delivery Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I signed up in December of 2022. Paid upfront. Said 90 day guarantee. It’s almost March 2024 and absolutely 0 results over 2 years later. Don’t waste your money with this guy. He says he is still working on it and won’t process refund. Hardly answers messages at all. Freaking ridiculous. Not a bbb member but responds to all complaints and says they didn’t pay. I paid. No results. Promised 200 point increase and haven’t seen even 10.

    • Initial Complaint

      Date:01/17/2024

      Type:Service or Repair Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Joe Hobaica was very available and accessible until he received my payment. I reached out to check the status of my case on several occasions to no avail. He answers questions very selectively and will go cold turkey once you’ve paid. It appears he gets all comments deleted which is a poor representation of who this scammer really is. At this point it is much bigger than the 200 I paid him. He has my personal info and old place of employment. It really sucks that people will take advantage of others in the way this individual has. I’ve enlisted the assistance of an attorney to take him down. At this point all my calls have been recorded and text messages sent up. My husband has hired an attorney for obvious reasons. Pls be very careful with this predator.

    • Initial Complaint

      Date:12/18/2023

      Type:Customer Service Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I trusted this company to help repair my credit and help solve some problems with my credit cards I did not want anymore. I got in more debt in a year when I was promised my situation would be resolved within 90 days and absolutely nothing in my score has changed in a year of them servicing me. i never got any proof of anything that why supposedly did help change all my calls and texts go completely unanswered or he will respond like a week or so after. I’m so dissapointed because I was promised to have a better score and get better credit cards, I had to declare bankruptcy because it was that bad of a situation that they put me in. I will never recommend or work with this company ever again. They ruined my life for good.

    • Initial Complaint

      Date:12/13/2023

      Type:Customer Service Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Much like the previous complaint below, I came across this thief on ******** (a page of which now does not exist any longer) made contact and was given a 90 day money back guarantee. Made 4 payments of $150 each one for a total of $600. Was given the list of work to be done for this guarantee (90 days) this was at the end of August. I have been given every excuse from in the hospital with Covid, to his kids being sick blah blah blah. Within minutes of the Covid excuse and being told I’d receive a call next week he must have mistakenly called me and he didn’t sound sick. Reassured me that this would be completed. Weekly I would ask what has been done, what was filed and just wanted an update. I would receive nothing. I’ve asked for any paperwork showing what has been filed and to this day nothing has been provided. We are now 4 months in and after I have done research, he seems to have been disbarred and convicted of possession of a controlled substance back in 2008/2009. He has also been removed from the states attorney list. I have filed fraud on my card and this thief has blocked that. He didn’t fulfill his end of the contract and now does not want to refund my money

    The Credit Joe is NOT a BBB Accredited Business.

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