repairyourcreditfile.com Counselor is Joe Lacroce Certified Credit Consulting consumer rip-off fraud for $700 Philadelphia Pennsylvania
I found the website by using my browser SEARCH on "Credit Report Update". I looked over the website and sent them an e-mail with a few questions. Almost instantly I was sent an e-mail from Joe Lacroce.
We spent a few days corresponding over e-mail; he had some helpful tips; I began to trust him. They offer 3 plans for credit repair; I chose the second plan; I have saved e-mails where he promised 7 day turnaround on dispute letters. He told me to use an escrow.com in which to place the money for his services. Once the funds were escrowed (or otherwise received)he would begin and "work around the clock for me".
Using the third party for funds, everything would be legal and honest. Well, it would not accept my credit card because I used the word "services" in the description. It turns out that escrow.com is only used for escrowing funds for products (like for e-bay).
Anyway, I figured I could expedite things by just sending him the money. So I did- $695.
My check cleared 2 days later; the credit dispute letters that he was supposedly preparing on my behalf never showed up. He sent one email telling me the letters were on the way, then another letter that OOPS he had to reformat the letters; then another email with a FAKE USPS tracking number (which I have been checking for daily on usps.com).
Finally when I threatened litigation, he has not emailed me at all. I'm out $695. I have contacted an attorney, but I would love to know what options I have for nailing him !
Jean
Louisville, Kentucky
1 Updates & Rebuttals
The Fraud Chick
Ethics,Arkansas,
You can recover your money.
#2Consumer Suggestion
Mon, May 20, 2002
Jean,
Contact the police in Philadelphia. Ask for the financial crimes division at 215.686-1776. Once you get a detective on the phone tell him this man stole your money and provided no services. Tell the detective you'd like to file charges against the man for theft by deception.
Make sure you have all of the information gathered for the detective. A copy of the front and back of your cancelled check is a must. The address you listed is just a suite. It's just a service that collects mail for people who rent boxes, which may have been done with a fictitious ID. The bank account number and routing number printed on the back of the check is what the detective will need. You can contact your bank for assistance to determine what bank had deposited or cashed the check.
Most of the credit repair services are fraudulent in nature. There's nothing these services can do that you can't do yourself. If they offer a new social security number, that's illegal.
Here is the information I found on the fraudster. Give this to the detective; tell him that this is who has registered the domain:
Lacroce, Joseph (JLH401) mail@REPAIRYOURCREDITFILE.COM
Certified Credit Consulting
2518 South Broad Street
Philadelphia, PA 19145
US
2155514202 2155514270
Send an e-mail to the fraudster to inform him you intend to report him for theft. Write "I've reported you to the police" so he opens your e-mail and does not ignore you. Accept nothing less than 100% of your money back.
Good Luck