Over Promise Under Deliver
My wife and I contacted The Boge Group in September 2025 because we were interested in purchasing an investment property valued at approximately $300,000. During our initial conversation, we were told that with credit scores above 800, we could each qualify for $75,000 to $150,000 in business funding. On September 9, 2025, we paid an initial deposit of $1,000, followed by an additional $8,800 on October 6, 2025, for a total of $9,800. We were assured that the Boge Group had “Client Relationship Managers” who would work directly with banks to maximize funding approvals, and that there was an 80% approval rate. We paid for funding services for both myself and my wife. However, my wife was only approved for $40,000, far below the minimum range of $75,000–$150,000 that was advertised and promised. In my case, I received seven denials, despite following their instructions exactly. These denials have caused my credit score to drop by 40 points, which has negatively impacted me financially. The Boge Group instructed us to open a new Chase checking account and to visit a branch in person to apply for a credit card. They advised us to inflate our reported income in order to secure a higher limit, claiming that this would result in $50,000 approvals for each of us. We followed their instructions, but both of us were denied. We were later told to overstate our business income and schedule a virtual appointment with Truist Bank, but we were denied again, as we already had an existing credit line. Additionally, the Boge Group advertised that once approved, clients could liquidate up to 90% of the card limit (minus any existing balance). This statement is false advertising, as American Express explicitly limits cash advances to no more than 50% of the credit line. In summary, the promises made by the Boge Group were misleading and not fulfilled, resulting in financial loss, credit score damage, and false guidance that encouraged misrepresentation of income during bank applications. On November 4, we officially won our dispute against Boge through our credit card company. Despite that, on November 11, I received an email from Boge stating they may pursue “further action,” including sending our account to a collection agency. This company simply will not stop—even after failing to deliver the services they promised and despite the chargeback decision in our favor. Their tactics are predatory, misleading, and designed to pressure people who have already been taken advantage of. It’s time for all of us who have been affected to take the next step. Let’s start reporting the Boge Group to the Federal Trade Commission and our state Attorneys General. The more reports filed, the stronger the case becomes to investigate and shut down these harmful business practices. They need to be held accountable. They need to stop ripping people off.