Cherry Technologies Inc.

I have pleaded with Cherry numerous times to lower my payment and they will not work with me at all my DMP program reached out as well to no avail so this is my FINAL CONSUMER RESPONSE AND NOTICE OF INABILITY TO PAY, I am filing this final update to state clearly that Cherry has failed to provide a sustainable hardship solution.Please be advised that I have an absolute inability to pay this loan moving forward and I will not be making any future payments to Cherry. My financial and legal situation is as follows : I have a protected fixed income, I am a low income senior citizen my primary income is XXXX XXXX XXXX which is federally protected from private creditors. XXXX wage protection : my only other income is small part time XXXX XXXX XXXX at roughly {$360.00} per week which is below NY State garnishment threshold of {$510.00} furthermore under NYS CPLR 5231 wage garnishment is completely banned for judgements arising from dental or medical debt.…

On XX/XX/XXXX, I entered into financing agreements through XXXX for laser hair removal services with XXXX. The financing was split into XXXX separate accounts totaling approximately {$5900.00} ( {$5400.00} and {$490.00} ) not including interest. The agreements and treatment documentation explicitly stated that the services purchased were unlimited/lifetime laser hair removal services, with treatments continuing until approximately 85 % hair removal was achieved. Between XX/XX/XXXX and early XXXX, I completed approximately XXXX treatment sessions, generally scheduled every XXXX weeks. The provider then permanently closed without notice to consumers, making it impossible for me to continue or complete the contracted services. The provider became unreachable, which is the basis of this dispute.…

I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

I am submitting this complaint regarding Cherry Technologies and the continued reporting and collection of fraudulent accounts that do not belong to me. I previously provided Cherry Technologies with both an FTC Identity Theft Report and a police report XX/XX/year> disputing XXXXwo fraudulent accounts ( XXXX & XXXX ) opened in my name. Despite providing legally ( FTC and police report ) sufficient identity theft documentation, Cherry Technologies failed to properly block, remove, and cease collection activity related to these fraudulent debts. I was later informed that the alleged debt had been sold or transferred to XXXX XXXX XXXX XXXX XXXX without my knowledge or consent. I was never properly notified of this transfer, nor was I provided adequate validation of the debt as required under federal law. Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C.…

On XX/XX/XXXX, I entered a XXXX installment payment plan with XXXX XXXX for XXXX XXXX procedure totaling {$3500.00}. The procedure was NEVER performed. I was unable to proceed due to a diagnosed anxiety and panic disorder. My treating physician provided a written letter confirming I was medically not ready for the procedure. I notified the clinic within approximately XXXX weeks of signing the contract. Between XX/XX/XXXX and XX/XX/XXXX I made the following payments : - XX/XX/XXXX : {$310.00} ( down payment ) - XX/XX/XXXX : {$310.00} - XX/XX/XXXX : {$310.00} - XX/XX/XXXX : {$310.00} - XX/XX/XXXX : {$310.00} - XX/XX/XXXX : {$310.00} - Total paid : {$1900.00} On XX/XX/XXXX XXXX XXXX refunded only {$2000.00}, which represents solely the future payments remaining. They kept my {$1900.00} already paid for a procedure never performed. I have filed a dispute with XXXX bank for all XXXX payments. I also sent a formal written demand to XXXX XXXX requesting full reimbursement.…

In XX/XX/XXXX, I entered into a financing agreement with Cherry Technologies Inc. for an unlimited tattoo removal package totaling {$5900.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX. I only received XXXX treatment. I made multiple attempts to schedule additional appointments, but the provider repeatedly cancelled my appointments, including cancellations due to equipment issues. I have documentation of these cancellations. In XX/XX/XXXX, the provider permanently closed, making it impossible for them to fulfill the remaining services under the agreement. I also attempted to request my medical records and documentation of services received, but the provider has been non-responsive. I filed a dispute with Cherry Technologies Inc., but it was denied due to insufficient documentation, despite providing evidence of cancellations and the providers closure.…

I am filing this complaint regarding a Cherry financing loan tied to dental services that were incomplete, defective, and resulted in significant medical harm, as well as Cherrys inadequate handling of my dispute. In XX/XX/year>, I was directed by my then dentist to obtain {$10000.00} in financing through Cherry. The treatment associated with this loan did not address my primary medical condition ( active XXXX XXXX from XXXX that were XXXX and needed to be XXXX ), which worsened over several months. Between XX/XX/year> and XX/XX/year>, I experienced recurrent XXXX, XXXX XXXX and worsening XXXX, requiring multiple courses of XXXX and forcing me to miss personal and professional obligations due to severe XXXX XXXX XXXX XXXX. After discontinuing care, I required emergency treatment from a new dentist, including XXXX XXXX XXXX XXXX XXXX of two XXXX XXXX.…

I went to an XXXX XXXX for a face treatment that they posted on XXXX XXXX for XXXX dollar and I payed for it. Then they offered another treatment in which I agreed and signed a contract with them. On the second treatment next day I woke up with a very bad reaction on my face. I sent pictures of the rash and redness to them and explained them That I did not wanted the treatment anymore do to the heath issue. They canceled my treatment. But did not cancel my loan with Cherry loan. So a file a dispute with Cherry ; I sent pictures of my face and informed them that the clinic had canceled all my treatments. And sent their text messages showing the cancellation too. XXXX they still charging me for the loan.

This situation is unacceptable and must be addressed immediately. I have been subjected to collection activity for a debt that is unverified and does not belong to me. I have no knowledge of this account, nor have I authorized or incurred any such obligation. I am also receiving repeated and aggressive communications across multiple channels, including threats of legal action. This conduct is inappropriate, harassing, and a clear violation of my rights as a consumer.

Cherry Technologies is reporting inconsistent and inaccurate account information on my credit report. The account is currently being reported with a balance of {$3700.00} while simultaneously showing a highest balance of {$0.00}, which is not logically or factually consistent. Additionally, the account is being reported as open, while key payment history fields such as worst payment status are listed as no information, indicating incomplete or missing reporting. This inconsistent reporting does not accurately reflect the status of the account and raises concerns about the reliability of the information being furnished. This account is also tied to a disputed medical financing transaction in which services were not completed and the provider failed to properly reconcile billing with Cherry. Despite this, Cherry has continued to report a balance without resolving the underlying dispute.…

XXXX XXXX XXXX financed a XXXX XXXX on my XXXX # XXXX. The procedure was unsuccessful and has failed. I am still in pain and now require additional expensive treatment. I submitted all necessary documents to Cherry, including a specialist report from XXXX XXXX XXXX which clearly shows that the XXXX XXXX has failed. Cherry reviewed my dispute but still refused to cancel or remove the charges. The dental work was performed at XXXX XXXX. I have also sent a formal complaint to XXXX XXXX demanding they take responsibility for the failed procedure. I believe I should not be held responsible for paying for dental work that was not successful. I am requesting that XXXX XXXX XXXX remove all remaining charges related to XXXX # XXXX.

I financed XXXX XXXX XXXX treatments through Cherry for services at XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The merchant has permanently closed its physical location, disconnected all phone lines, and is completely unreachable. I have received none of the services I contracted and financed. The remaining balance is {$980.00}, with {$270.00} overdue since XX/XX/year>, and a payment of {$160.00} due XX/XX/year>. When I contacted Cherry to dispute the balance on the grounds of non-delivery of services by a permanently closed merchant, they refused to assist me and threatened to report the balance to the credit bureaus. Cherry is actively attempting to collect {$980.00} for services that a permanently closed business will never deliver. I am not alone in this situation.…

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX | Email : XXXX XXXX : XX/XX/XXXX | SSN ( Last XXXX ) : XXXX XX/XX/XXXX VIA CERTIFIED MAIL -- RETURN RECEIPT REQUESTED XXXX XXXX, XXXX XXXX Attn : Legal / Compliance Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX AND SIMULTANEOUSLY TO : XXXX XXXX Bank XXXX : XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX, XXXX XXXX Re : FORMAL LEGAL DISPUTE -- DEMAND FOR DELETION OF INACCURATE AND LEGALLY DEFECTIVE CREDIT REPORTING -- CONTRACT ID : XXXX NOTICE OF FCRA VIOLATIONS -- THREAT OF LITIGATION Consumer : XXXX XXXX | Contract ID XXXX XXXX | Original Loan : {$3900.00} To the Legal and Compliance Departments of Cherry Technologies, Inc. and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , write as a federally protected consumer under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.…

Cherry technologies has been calling me incessantly. They have called at least 15 times in less than 7 days. This has been going on for months.

On XX/XX/year>, I visited a dental provider, received an XXXXXXXX XXXX XXXX XXXX XXXX and XXXX and was told that a XXXX XXXX XXXX would not be covered by my insurance. Based on that information, I was advised to take out a {$2500.00} loan through Cherry to cover the cost. After the procedure, I later found out that my insurance was, in fact, billed for the same service and issued payment to the provider. The Explanation of Benefits ( EOB ) indicates there is no patient responsibility for the service performed. To date, the only service I received was the XXXX XXXX. I did not receive any XXXX XXXX that was outlined in my original treatment plan. Despite this, after I submitted all documentation to Cherry for a dispute, Cherry still holds me responsible for the full loan balance, which remains unchanged and has not been adjusted to reflect the services actually performed or the insurance already paid by my insurance.…

I financed approximately {$5000.00} through Cherry for XXXX XXXX treatment at XXXX XXXX XXXX XXXX, in addition to {$1500.00} paid separately. I was told the procedure would be completed in two visits ; however, the treatment extended over several months with repeated failed attempts and prolonged use of temporary XXXX that frequently broke and fell off, despite being intended for short-term use only. Throughout the process, there were multiple quality concerns, including inconsistent lab work and repeated remakes that failed to fit properly. The treatment showed a pattern of failure from the beginning. My teeth were aggressively prepared, leaving me dependent on temporary restorations for an extended period, which contributed to worsening sensitivity and complications.…

I entered into a debt management program. Cherry refused to participate. I asked Cherry if they can lower my monthly payments due to my Cherry monthly payments added to the debt management. Monthly payment is more than my Social Security retirement. They refused. I am not in arrears with Cherry. On XX/XX/XXXX, I received a reply to yet another request to lower my monthly payments or enter the debt management program again denied, however, an associate offered that if I paid {$200.00} of the {$520.00} he would put my balance on a forbearance and that would bring my account current through XX/XX/XXXX and nothing will be reported to my credit written in email However, on XX/XX/XXXX, I received an email from Cherry collections stating my contract is 18 days past due in the amount of {$320.00} and that this late account is in the process of being reported to the credit bureaus which may affect my credit score.…

CFPB XXXX XXXX XXXX XXXX and XXXX XXXX XXXX : Cherry Technologies Inc . Contract ID : XXXX Original Complaint XXXX This submission serves as a formal escalation of my complaint XXXX a correction XXXX Cherrys apparent mischaracterization of the dispute. XXXX has attempted XXXX reframe this matter as a routine service dissatisfaction issue. That characterization is factually XXXX legally incorrect. This is a case involving material misrepresentation used XXXX induce a high-interest, merchant-arranged financing agreement, XXXX it raises serious concerns under federal XXXX state consumer protection laws. Nature of the Violation : This financing agreement was originated through a merchant partner ( a med spa ) at XXXX XXXX of sale. The services were marketed XXXX sold with explicit representations that the treatment would result in permanent XXXX removal in the treated areas.…

I am disputing a loan associated with services from XXXX XXXX XXXX, as the account is inaccurate and has not been properly validated. There are multiple unresolved issues : Mismatch in amount financed My receipt shows a total of {$1900.00}, however the loan reflects a higher financed amount of {$2100.00}. I was later informed by the provider that a setup fee was added that was not disclosed on my receipt or clearly agreed to at the time of purchase. Services not fully rendered - my receipt clearly states that I had XXXX visits remaining under this membership. These services were never completed. Provider is now closed- XXXX XXXX XXXX XXXX no longer operating. As a result, the remaining services can not be fulfilled, yet I am still being held responsible for the full loan amount.…

Cherry technologies has engaged in multiple willful violations of the fair debt collection practices act ( FDCPA ) in connection with a charged-off account. Specifically : 1. Illegal third party contact - between XX/XX/XXXX and XX/XX/XXXX, cherry technologies repeatedly contacted members of my family, including my mother, via phone calls, voicemails, and text messsages regarding my private debt. This occurred on multiple occasions to the extent that my family members contacted me several times to ask about the debt. This a direct violation of FDCPA 805 ( b ), which strictly prohibits debt collectors from communicating with third parties about a consumers debt. 2. Harassment via excessive & inconvenient calls - cherry technologies called me multiple times per day at uncomfortable hours, using different caller IDs and losing g as different callers to disguise their identity and circumvent my ability to identify them.…

To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3.…

I am submitting this complaint regarding Cherry and their refusal to assist me with a financing dispute related to a medical procedure that was never performed. I financed a XXXX XXXX procedure through Cherry with a clinic that has since closed permanently. The clinic is no longer operating, their phone numbers are disconnected, and there is no way for me to contact them to request a refund. Despite explaining this situation multiple times to Cherry and sending several emails, they continue to give me the same response : that I must contact the clinic directly through their application to request a refund. I have already attempted this process more than once, and it has not worked. Since the clinic is closed, it is impossible for me to resolve this directly with the merchant. I feel extremely frustrated and helpless because I financed this procedure in good faith, but the service was never provided.…

In XX/XX/XXXX, I financed {$1500.00} through Cherry Technologies for medical injection services with a local med spa. I received approximately {$300.00} worth of services before the merchant became completely unresponsive, and in XXXX I relocated over XXXX hours from the merchant. I filed a dispute with XXXX explaining that I had paid over {$890.00} toward services I could not receive due to the merchant 's unresponsiveness and relocation. XXXX issued a partial credit of {$750.00} against the remaining unpaid {$1100.00} balance, but maintains that I still owe an additional balance for services that will never be rendered. The only resolution offered by the merchant was to ship me injectable products to self-administer. This is not acceptable. The entire purpose of the purchase was to have a licensed medical professional administer the injections.…

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX SSN : XXXX Date : XX/XX/2026 Cherry Technologies Inc . XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Subject : Litigation-Ready Notice of Dispute, Demand for Investigation, and Method of Verification To Whom It May Concern, This correspondence serves as a formal dispute and litigation-ready notice regarding the account your company is reporting and/or attempting to collect in my name. I have reason to believe that the alleged debt associated with this account has been canceled and reported to the Internal Revenue Service through the issuance of a Form 1099-C ( Cancellation of Debt ). If this debt has been canceled and reported to the IRS, continued reporting of a balance or continued collection activity may constitute inaccurate and misleading reporting. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq.…

To whom it may concern : I am writing this letter to explain the situation with Cherry Technology. I applied for financing for a procedure at XXXX XXXX XXXX XXXX XXXX XXXX, which I never received because I was a victim of fraud by the clinic, which closed and declared bankruptcy. Since I never received the procedure, I contacted Cherry, but they offered no solution, even after I sent them documents proving that the clinic had closed. I requested a refund of all the money I have been paying since XX/XX/year>, I have contacted other people who also have financing with Cherry from the same aesthetics clinic, and they claim that Cherry Technology is a fraudulent company that works in complicity with the clinic and is unwilling to resolve anyone 's situation, despite being aware that the clinic closed due to bankruptcy and committed fraud.

I am submitting a complaint regarding a loan issued through Cherry Technologies and XXXX XXXX that financed services sold by XXXX XXXX XXXX. During an appointment at the XXXX XXXX XXXX XXXX XXXX location on XX/XX/year>, I was encouraged to purchase a service package that staff described as a payment plan and facial membership program. I later discovered that this agreement was actually a loan issued through Cherry Technologies with XXXX XXXX Immediately after leaving the appointment that same day, I contacted the XXXX requesting cancellation because I felt uncomfortable with the sales process. I have written documentation confirming this request. Despite this cancellation request, the agreement has not been canceled and I have continued making payments toward approximately {$5000.00} for services that have never been rendered. Additional concerns include the following : I was asked to sign documents electronically on a tablet without the opportunity to review them properly.…

LEGAL DISPUTE : RESCISSION OF DEBT UNDER FLORIDA STATUTE 501.017 RE : Cherry Plan XXXX and HFD Plan # XXXX I am filing this formal complaint against Cherry Technologies and XXXX XXXX XXXX ( XXXX XXXX for attempting to collect on a debt that was legally rescinded and terminated. XXXX. Timely Rescission under FL Law : On XX/XX/year>, I signed a future-service contract with XXXX XXXX XXXX XXXX On XX/XX/year>, within the XXXX " cooling-off '' period mandated by Florida XXXX XXXX, XXXX provided formal written notice of cancellation to the merchant via email and attempted Certified Mail. 2. Automatic Termination of Debt : Under FS 501.017 ( 1 ) ( b ) 2, a timely notice of cancellation " terminates automatically '' any financial obligation to the merchant or any assignees, including third-party lenders. Legally, no debt exists. 3. Material Contract Defect : The underlying contract violates FS 501.017 ( 3 ) because it fails to list the business 's physical address.…

Cherry technologies in last dispute, Had claims over year, did not follow federal and state guidelines for disputes, did not investigate with clinic performed fraud and Malpractice, did not consider XXXX and medical experts provings fraud malpractice, automatic denial of all fraud and Malpractice claims with no investigation as is also known in my case no investigation, also continued to turn in bad bad credit reports to agencies ruining my credit while under review, disputes over XXXX months by law Cherry technologies are by federal law are to be given in my favor

I received a denial for unclear reasons on numerous occasions. It appears that it was due to a purported inability in verifying identity. The adverse action letter vaguely states, " Unable to verify identity '', however, the lender does not specify any details or allow a way to reconsider the decision. The CSR just directed me to wait 30 days and then reapply. I did so multiple times with the exact same outcome. Federal law requires that consumers have a right to fair and transparent lending practices. I request that the lender provide me with a fair and transparent opportunity to apply for its lending products. I am happy to provide a copy of my government-issued ID card and other documents that should satisfy lending requirements.…