Complaints

This profile includes complaints for Cherry Technologies, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Cherry Technologies, Inc.

  2 Embarcadero Ctr Fl 8 San Francisco, CA 94111-3833

  
• 

  Cherry Technologies, Inc.

  2261 Market St # 4869 San Francisco, CA 94114-1612

  

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.

• Initial Complaint

  Date:07/22/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 am writing to bring to your attention a fraudulent account that has been opened in my name with CHERRY TECHNOLOGIES IN . I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:Creditor Name:CHERRY TECHNOLOGIES IN Opened Date: 3/7/2024 Account Number: ************ High Credit: $2,706.00 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.

  

  Business Response

  Date: 07/22/2025

  Dear *****,

  
  Thank you for bringing this matter to our attention. We understand the seriousness of your concern and are committed to supporting you in resolving it.

  
  At this time, we are unable to locate a loan contract associated with the name, phone number, or email address provided in your submission. To assist you further, we kindly ask that you share the full account number or any alternate contact details that may be associated with the account, such as a different name, phone number, or email address.

  
  Once we receive this information, we will promptly investigate the matter to determine whether an account exists and whether any further action is warranted.

  
  Thank you for your cooperation.

  
  Sincerely,
  Cherry Technologies
  **************
  ********************************************************************

• Initial Complaint

  Date:07/18/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Creditor did not represent itself professionally and would send texts at all times of the day. I thought it was spam and did not receive mail from them in regards to oral surgery credit. The business subsequently harassed me via text message that looked like they were from a ***** site. I blocked them and now they have sent me a ************************************ getting a loan to buy a house. This business has ********************************************************************************************************* the form of looking like **** spam.

  

  Business Response

  Date: 07/22/2025

  Dear *****,

  
  Thank you for bringing your concerns to our attention. We understand your frustrations and regret that your experience with Cherry did not meet your expectations. We appreciate the opportunity to address the matters raised in your complaint.

  
  According to our records, the account in question was associated with a loan used to finance services through your provider. As part of our standard servicing process, Cherry sends communications to customers via SMS and email to provide payment reminders and important updates related to their loan status. These messages are intended solely for account servicing purposes and comply with applicable communication laws and consumer privacy standards.

  
  We acknowledge your concern regarding the tone or frequency of these messages. While we make every effort to ensure our communication is professional and helpful, we recognize that preferences may vary. Our support team offers opt-out options and assists customers in adjusting contact preferences upon request. Additionally, we encourage customers to reach out directly if messages appear unfamiliar or potentially spoofed, as we take impersonation attempts seriously and investigate any such reports.

  
  Regarding the credit reporting matter, Cherry is required to furnish accurate and timely account data to the credit bureaus, as outlined in the loan agreement. Based on a review of your account, our records indicate that a delinquency was reported after the account became past due. A Cherry agent previously spoke with you and explained our credit reporting obligations, and a dispute form was offered if you believe any portion of the reporting is inaccurate.

  
  If you believe your account was reported incorrectly or if new information has become available, you may submit a formal dispute by visiting the Manage Refunds section of your payment plan dashboard here: ****************************************************************. Our team will carefully review all information submitted and respond within 20 business days of receipt.

  
  This matter was addressed through our customer service process, and any applicable adjustment is reflected in your Cherry dashboard. We encourage you to reach out to our support team at ************** or ************************************** if you need assistance updating your payment method, opting out of specific communications, or if youd like to further discuss the matter.

  
  Sincerely,
  Cherry Technologies
  **************
  **************************************

• Initial Complaint

  Date:07/16/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 had done financing with Cherry back in March/April for a surgery i was supposed to get done in May. Turns out the clinic i was having surgery is a scam and they have closed/ reopened about 3 times this years under different names and contact information, while their doctors are unlicensed. I couldnt get surgery because the doctor wasnt there and they closed due to malpractice a week later, refused to send me a letter claiming i never got the surgery and just disappeared. They changed their contact information so i couldnt reach out to them, and they wouldnt inform Cherry i didnt get surgery. I opened a dispute with Cherry, submitted proof that i never got the procedure (a letter from my primary doctor informing i never got it after doing exams), screenshots of receipts and all the proof i could get that the clinic is fraudulent. Cherry has not provided me with any assistance and continues to deny my claim even though it is legit. Im still having to make payments for a procedure i never got and they wont help.

  

  Business Response

  Date: 07/22/2025

  Dear ******,

  
  Thank you for sharing your concerns. We understand how upsetting it must be to experience issues with a provider, particularly when it involves a medical procedure. At Cherry, we take all feedback seriously and are committed to ensuring every concern is thoroughly reviewed and appropriately addressed.

  
  We can confirm that your most recent dispute, submitted on 7/7/25, is currently under review by our Disputes team. We are actively assessing the documentation you provided and are working directly with the provider to gather additional details related to your account and the status of services. Once the investigation is complete, you will receive an update directly from our team.

  
  In the meantime, if you have any questions or wish to provide further information, you are welcome to contact us at ************** or *************************************** Were here to support you throughout this process.

  
  Sincerely,
  Cherry Technologies
  **************
  ********************************************************************

• Initial Complaint

  Date:07/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  My name is ******** ******** ********** ***** and I am reporting multiple accounts and inquiries that I do not recognize and did not authorize. I believe I am a victim of identity theft. The accounts listed under my name include a *********** credit card opened in July 2022 with a balance of 2235 a Cherry Technologies sales contract from July 2024 for *************************************** August 2024 for 1682 a Kikoff Lending charge card from September 2024 for 385 and a Navy Federal credit card from June 2024 with a balance of 7155. I also see hard inquiries from companies like ********** ******************* *** Truist ********* *** and ************** which I did not authorize. These accounts and inquiries are not mine and I am requesting that they be investigated and removed from my credit report. I am concerned that someone has used my personal information without my permission

  

  Business Response

  Date: 07/22/2025

  Dear ********,

  
  Thank you for your message regarding the account you referenced. We understand your concern and take allegations of identity theft very seriously.

  
  At this time, we do not have a record of you contacting Cherry directly to dispute the Cherry sales contract or to report identity theft. In order for us to fully investigate this matter, we kindly request that you submit the appropriate documentation. This includes a copy of a government-issued photo ID, an identity theft affidavit, and either a police report or a filed report with the ************************ (***).

  
  Once we receive these materials, we will promptly initiate an internal investigation. Our team is committed to reviewing these matters thoroughly and will provide a determination based on the findings.

  
  To begin the process, please contact our support team at ************** or email us at *************************************** We are here to assist you and want to ensure your concerns are addressed appropriately.

  
  Sincerely,
  Cherry Technologies
  **************
  ********************************************************************

• Initial Complaint

  Date:07/08/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Cherry is horrendous. The person they partnered with that was treating me turned out to be a scam artist and they wont give me my money back after disputing the charges even though I cant even get in contact with this provider any longer because they threatened legal action against me just for asking for a refund.Cherry also sent my Personal Health information including intimate photos of my body to me that that sick provider sent to them with no reason to, that were supposed to be private, to me in an unsecured email. Cherry didnt even try to protect my PHI.Deeply disgusted with cherry and putting this out there hoping other people will now know not to trust these people.

  

  Business Response

  Date: 07/17/2025

  Dear *****,

  
  Thank you for bringing your concerns to our attention. We understand the frustration youve expressed and take these matters seriously.

  
  After reviewing the details of your account and the history of your prior disputes, we want to acknowledge the concerns youve raised, particularly regarding your interactions with the provider and the handling of your personal health information.

  
  As of July 10, 2025, your most recent disputesubmitted on June 22, 2025was thoroughly reviewed. At that time, no new documentation was provided to substantiate your claim. The associated practice confirmed their willingness to provide or complete the agreed-upon services, and there was no verified evidence of refusal of service or confirmed communication restrictions. Accordingly, the dispute was denied, and that decision remains in place.

  
  Regarding your concerns about the transmission of your personal health information (PHI): when disputes are initiated, practices may submit documentation, including communications or images related to services, as part of the dispute resolution process. We regret that you received any materials in a format you felt was not secure. Cherry follows stringent privacy and data security protocols, and we are committed to ensuring information is handled in accordance with applicable laws. That said, we acknowledge your discomfort and are happy to further investigate the matter if you would like to provide additional context or supporting documentation.

  
  While we are unable to change the outcome of your most recent dispute based on currently available information, we want to assure you that you may reopen your dispute if you obtain new documentation or further evidence to support your claim. To do so, please reach out to our support team at ************** or *************************************** and they will guide you through the next steps.

  
  We appreciate your feedback and remain committed to addressing concerns in a respectful and thorough manner.

  
  Sincerely,
  Cherry Technologies
  **************
  ********************************************************************

• Initial Complaint

  Date:07/04/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  COLLECTION AGENCY is violating the Customer Name, they removed it from one bureau and did not removed it from rest of the bureaus.

  

  Business Response

  Date: 07/15/2025

  Dear *********,
  
  Thank you for contacting Cherry Technologies, Inc. regarding your concerns about credit reporting. We understand that matters involving credit history can be deeply important, and we appreciate the opportunity to address your complaint.
  
  After a thorough review of our systems, including searches using the information and contract ID you provided, we have been unable to identify any record of a current or prior loan or application with Cherry Technologies associated with your name, contact information, or the partial contract ID **********.
  
  As such, we are unable to validate or locate any loan data that corresponds to the charge-off you reference. Cherry Technologies, Inc. can only investigate disputes for accounts that are present in our systems and directly associated with our consumer lending programs. If you believe this may be connected to a different lender, we recommend reaching out to the original credit reporting entity or loan originator for clarification.
  If you are able to provide any additional detailssuch as the full loan number, email/phone number used to apply, or confirmation of the lender of recordwe would be happy to conduct a more detailed search. In the meantime, we cannot locate any matching records.
  
  Should any verifiable information be received in the future that enables us to identify an account, we will re-open the matter for immediate review.
  
  Sincerely,
  Cherry Technologies, Inc.
  **************
  ********************************************************************

• Initial Complaint

  Date:06/30/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  In November 2024, I entered a financing agreement through Cherry Technologies, Inc. to pay for a laser treatment package with Body Details. I was charged $144 per month, totaling $864 over six months. However, in January 2025, I discovered that Body Details had ceased operations and filed for bankruptcy. I immediately filed a formal dispute with Cherry, stating that the service provider could no longer fulfill the contract.Despite my notice, Cherry continued to withdraw funds from my account for five additional months. I acted in good faith and waited for Cherry to resolve my dispute. They took five months to respond, and ultimately only issued a partial refund of $432half of what was withdrawn after the dispute was submitted. They claimed this was the "maximum support" they could offer and stated they were not responsible for the merchants actions, even though they continued processing payments for a business that no longer existed.I am seeking a full refund of the remaining $432 and for Cherry to be held accountable. This is not simply poor customer serviceit is an issue of fairness, legal obligation, and consumer protection. Ive been a responsible customer and acted in good faith, and I believe many other customers may be going through similar unresolved issues.

  

  Business Response

  Date: 07/10/2025

  Dear ***** *****,
  
  Thank you for sharing your concerns with the Better Business Bureau. We appreciate the opportunity to address the matters youve raised and recognize the frustration that can occur when a service provider becomes unavailable after financing has been initiated.
  
  Cherry Technologies administers a financing program in partnership with bank lenders to help consumers access services offered by independent businesses. While we are not the provider of services or goods financed through our platform, we understand how disruptions in service delivery, such as a providers closure, can significantly impact our customers.
  
  Upon receiving your initial dispute in January 2025, our team reviewed the matter, including the timing of your request and the documentation submitted. We acknowledge that it took additional time to resolve your concern, and we regret any inconvenience this may have caused. Ultimately, your account was escalated internally and reviewed further. As of July 9, 2025, a refund was approved and is now in the process of being issued.
  
  We appreciate your continued cooperation throughout this process. If you have additional questions or require further clarification, we encourage you to continue working directly with the Cherry representative youve been in contact with, who remains best positioned to provide timely updates and support.
  
  We are committed to fair and transparent lending practices, and we take all customer feedback seriously. Your experience helps us identify areas for continued improvement.
  
  Sincerely,
  Cherry Technologies
  **************
  ********************************************************************

• Initial Complaint

  Date:06/25/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  On or about January 2024, CHERRY TECHNOLOGIES *** (also known as CHERRY LLC) began inaccurately reporting a charge-off account across all three credit bureaus (**********, Equifax, Experian) related to an account opened on 11/13/2023 with a balance of $15,769. However, all three reports are inconsistent and materially inaccurate in multiple areas:Payment History Conflicts: TransUnion and Experian show Charge Off beginning in June 2024, while ******* starts in April 2024. ******* reports 180 days late in April, while ********** shows only 30 days late for the same period.Discrepant Balances and Payments: Equifax shows an actual payment of $446 in January 2024, but Experian and ********** show $0. ********** shows a scheduled payment of $431 across several months with no actual payment reflected.High Credit / Balance Errors: Equifax lists High Credit as $14,832; Experian and ********** report a balance of $15,769 for both charge-off and past due status.Conflicting Statuses: ********** shows Consumer Disputes Reinvestigation in Process, while Equifax reports Account Previously in Dispute Now Resolved and Fixed Rate. These inconsistent notations create confusion about the account's real status.These discrepancies violate the Fair Credit Reporting Act, including:15 U.S.C. 1681e(b): Duty to ensure maximum possible accuracy.15 U.S.C. 1681i(a): Duty to conduct a reasonable reinvestigation after a dispute.15 U.S.C. 1681s-2(b): Furnishers duty to update or correct inaccurate information.Despite attempts to resolve this directly with CHERRY TECHNOLOGIES *** and the credit bureaus, the account remains inaccurate and damaging. I request the Better Business Bureaus assistance in ensuring the removal or accurate correction of this account record to prevent further harm to my creditworthiness.FTC Report Number: *********

  

  Business Response

  Date: 06/26/2025

  Dear ****** Paris Argentel,
  
  Thank you for bringing your concerns to our attention through the Better Business Bureau. At Cherry Technologies, we take the accuracy of our credit reporting and our regulatory responsibilities seriously. We appreciate the opportunity to address your complaint regarding the tradeline associated with your loan originated on November 13, 2023.
  
  After reviewing your account and credit reporting history, we would like to clarify a few points raised in your complaint.
  
  Cherry Technologies reports loan information using the same data across all platforms. However, each bureau may display this information differently based on their unique data processing systems and timing of updates. These variations can result in minor inconsistencies across reports, but they are not caused by Cherry reporting different information to each bureau. This variance in presentation is common within the credit industry and is not something within Cherrys control.
  
  The data we furnish includes payment status, balance, payment history, and charge-off details, all of which are transmitted accurately and in compliance with the Fair Credit Reporting Act, including sections 1681e(b), 1681i(a), and 1681s-2(b). Any differences in how this information appears are due to how the individual bureaus handle and present incoming data.
  
  We have reviewed our internal records and found no indication that you previously submitted a dispute directly to Cherry. If you would like us to conduct a formal investigation into the information reported on your credit file, we invite you to submit a dispute through your Cherry consumer portal. You can do this by logging in at **************************************************************** and selecting the Manage Refunds option in your payment plan dashboard. Once a dispute is submitted, our team will initiate an investigation and provide a written response within 20 business days.
  
  We understand your concerns and want to assure you that Cherry is committed to accuracy, compliance, and consumer transparency. If you believe any information reported is inaccurate, we encourage you to file a dispute so that we can investigate and, if appropriate, make corrections.
  
  If you have further questions or need assistance with the dispute process, please contact us at ************************************** or **************.
  
  Sincerely,
  Cherry Technologies
  **************
  **************************************
  

  Customer Answer

  Date: 06/27/2025

   
  Complaint: 23517375
  
  I am rejecting this response because:

  Thank you for your response. However, I respectfully disagree with the conclusion that the reporting discrepancies are solely the responsibility of the credit reporting agencies.
  Under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C. 1681s-2(b), Cherry Technologies, as a data furnisher, has a legal obligation to ensure that the information it provides to each credit bureau is accurate, consistent, and complete. If the information appears differently across Experian, TransUnion, and Equifax, it reflects a failure to transmit data uniformly or to conduct proper verification during prior disputes.
  The discrepancies in my reports are not cosmetic. They include:
  Conflicting charge-off dates,
  Inconsistent payment histories,
  Mismatched balances and credit limits,
  Varying dispute remarks across bureaus.
  These inconsistencies directly affect my creditworthiness and violate 15 U.S.C. 1681e(b) and 1681s-2(b). Simply attributing the issue to the bureaus does not fulfill your responsibility as a furnisher.
  I am not requesting a correction. I am requesting a full deletion of the account unless **********************.
  
  
  Sincerely,
  
  ****** Paris Argentel

  

  Business Response

  Date: 07/01/2025

  Dear ****** Paris Argentel,
  
  Thank you for your follow-up and for taking the time to submit detailed documentation regarding the concerns raised about the Cherry Technologies account reported on your credit file. We understand that discrepancies across the three major credit bureaus can be confusing and impactful, and we appreciate the opportunity to re-review your concerns.
  
  We have carefully reviewed the materials you submitted and recognize that there are variances in how the account is displayed by Equifax, Experian, and TransUnion. While Cherry Technologies reports the same data to all three credit bureaus, it is true that each bureau has its own formatting systems, update schedules, and internal interpretation protocols that can result in presentation differences.
  
  That said, we acknowledge your reference to the Fair Credit Reporting Act, including Section 1681s-2(b), which obligates data furnishers to conduct a reasonable investigation and correct inaccurate or incomplete information once a dispute is received. We recognize the importance of transparency and due process in resolving perceived discrepancies.
  
  At this time, our internal records indicate that no direct dispute has been submitted to Cherry through the appropriate consumer portal. In order for Cherry to initiate a formal investigation into your tradeline, we invite you to file a dispute by visiting your Cherry consumer dashboard at ****************************************************************. From there, you can select the Manage Refunds section to begin the dispute process. Once submitted, our team will review all supporting documentation and issue a written response within 20 business days in accordance with regulatory guidelines.
  
  We value your feedback and remain committed to ensuring the accuracy and integrity of our credit reporting practices.
  
  If you have any additional questions or require assistance with submitting your dispute, please contact our support team at ************************************** or **************. We are here to help.
  
  Sincerely,
  Cherry Technologies
  **************
  **************************************

  Customer Answer

  Date: 07/02/2025

   
  Complaint: 23517375
  
  I am rejecting this response because:

  Cherry Technologies Inc.'s response is unsatisfactory. Despite submitting a formal, dated, and documented dispute on June 25, 2025 (attached), Cherry refuses to comply with its obligations under the Fair Credit Reporting Act (FCRA), specifically:
  
  - 15 U.S.C. 1681s-2(b): ************* furnishers to conduct a reinvestigation upon notice of a dispute from a credit bureau or the consumer directly.
  - 15 U.S.C. 1681e(b): Requires that all reported information be accurate and up-to-date. The discrepancies I identifiedincluding creditor name, account type, charge-off dates, missing ****, unexplained balance increases, and conflicting narrative codesconstitute clear violations of this section.
  - 15 U.S.C. 1681c(a)(4)/(5): Experian's failure to report the **** prevents the proper calculation of the negative item's expiration date.
  - 12 CFR 1026 (Regulation Z TILA): The reported balance increases without any interest or fee disclosure violate transparency requirements in credit disclosures.
  
  Because these inconsistencies materially harm my credit score and profile, and Cherry has failed to take appropriate corrective action, I reiterate my formal request for the **immediate deletion of tradeline #**** from all credit bureaus (Experian, Equifax, **********)**as initially stated in my letter dated June 25, 2025.
  
  I respectfully request that the BBB keep this complaint open until Cherry:
  
  1. Initiates a formal reinvestigation in accordance with 1681s-2(b);
  2. Delete the tradeline in full compliance with **** requirements;
  3. Issues a written confirmation of the resolution.
  
  If no satisfactory resolution is provided, I will escalate this matter to the ************************************ (****), ************************ (***), and other relevant oversight bodies.
  
  Thank you for your assistance in protecting consumer rights.
  
  Sincerely,  
  ****** Paris Argentel

  

  Business Response

  Date: 07/08/2025

  Dear ****** Paris Argentel,
  
  Thank you for your continued engagement and for reiterating your concerns through the Better Business Bureau.
  
  We want to clarify that Cherry Technologies is not refusing to comply with the obligations set forth under the Fair Credit Reporting Act (FCRA). To the contrary, we are fully prepared to initiate an investigation under 15 U.S.C. 1681s-2(b), provided that the dispute is submitted through our official consumer dispute channel. This process ensures we receive all necessary information in a secure, trackable manner and enables our disputes team to begin a formal investigation in accordance with regulatory standards.
  
  At this time, we have not received a dispute through our consumer portal, which is the required step for triggering our investigation procedures. While we understand that you submitted a letter dated June 25, 2025, through the BBB and attached supporting documentation, this submission alone does not satisfy the process requirements for a formal dispute under our internal policy. This policy is designed to ensure that all consumer disputes are handled consistently and in compliance with applicable law.
  
  To move forward, we respectfully request that you submit your dispute through your Cherry account by visiting **************************************************************** and navigating to the Manage Refunds section of your dashboard. Once submitted, our team will review the information, conduct a reinvestigation as required under the ****, and provide a written response within 20 business days.
  
  We appreciate your attention to this matter and remain committed to maintaining accurate credit reporting and protecting consumer rights. If you need assistance with submitting your dispute or have questions about the process, please contact us at ************************************** or **************. We are here to support you.
  
  Sincerely,
  
  Cherry Technologies
  **************
  **************************************

  Customer Answer

  Date: 07/09/2025

   
  Complaint: 23517375
  
  I am rejecting this response because:

  I reject the business response because it incorrectly claims that my dispute is invalid unless submitted through their internal portal. This claim contradicts the Fair Credit Reporting Act (FCRA).
  On June 25, 2025, I submitted a formal written dispute to Cherry Technologies, including supporting documentation such as credit reports, identification, and proof of address. Cherry has acknowledged receiving this dispute via the BBB channel. Under 15 U.S.C. 1681s-2(b), data furnishers are legally obligated to conduct a reasonable reinvestigation once they receive a consumer dispute, regardless of whether it is submitted through their online portal, the BBB, the ***** or by mail.
  Cherry Technologies' refusal to investigate on the sole basis that I did not use their portal constitutes a procedural barrier that violates federal consumer protection law.
  Let me reiterate that my dispute concerns serious and verifiable inaccuracies in the information reported by Cherry Technologies to Equifax, Experian, and TransUnion, including but not limited to:
  ***onsistent creditor names across bureaus (Cherry Technologies *** vs. Cherry LLC), which undermines identity verification.
  Contradictory charge-off dates (March vs. May 2024), creating the false appearance of multiple delinquencies.
  Conflicting account type labels (Sales Contract vs. Installment Sales Contract).
  Inaccurate balance progression, with unexplained increases despite no new payments or interest disclosures.
  Monthly charge-off statuses, even though only one verified payment is shown and balances do not update accordingly.
  ***onsistent narrative codes, including dispute resolved, charged-off, and fixed rate, some of which contradict one another and mislead credit scoring systems.
  These discrepancies violate several sections of the ****, including 15 U.S.C. 1681e(b), 1681s-2(a), 1681s-2(b), and 1681c(a), as well as Truth in Lending Act (TILA) regulations regarding transparency in balances, interest, and terms.
  I therefore request that this case remain open, and that Cherry Technologies be held accountable for initiating a proper reinvestigation based on the information already submitted. If no such reinvestigation is conducted, I will escalate this matter to the ***** FTC, and other relevant oversight agencies for willful noncompliance.
  
  Sincerely,
  
  ****** Paris Argentel

  

  Business Response

  Date: 07/15/2025

  Dear ******,
  
  Thank you again for your continued correspondence and for providing additional context regarding your dispute.
  
  While Cherry Technologies is not legally obligated under the Fair Credit Reporting Act (FCRA) to initiate a reinvestigation based solely on disputes submitted outside of our designated processas outlined in 15 U.S.C. 1681s-2(a)(8)we recognize the importance of resolving your concerns and have created a direct dispute file on your behalf as a courtesy.
  
  Your dispute is now under review by our internal team. Please allow up to five business days to receive an initial update regarding the intake of your dispute. Our investigations team will conduct a careful and thorough review of the information youve provided, in accordance with applicable **** requirements.
  
  If our review concludes that any updates to your account information are warranted, Cherry will report those changes to the credit bureaus. Please note that once updates are submitted, it may take up to 30 days for the credit bureaus to process and reflect those changes on your credit file.
  
  We appreciate your patience as we complete our investigation. If you have additional information that you believe would assist in our review, you may submit it to *************************************** Should you have further questions during this process, our team is available at **************.
  
  Sincerely,
  
  Cherry Technologies
  **************
  ********************************************************************

  Customer Answer

  Date: 07/16/2025

   
  Complaint: 23517375
  
  I am rejecting this response because:

  Thank you for your response.
  However, I am not satisfied with the companys reply. My original complaint concerns inaccurate information being reported on my credit file, which continues to negatively impact my creditworthiness. While I acknowledge that Cherry Technologies has created a direct dispute file, the issue remains unresolved until the results of the reinvestigation are provided in writing and the inaccurate information is corrected or deleted as required under the Fair Credit Reporting Act (FCRA).
  Under the ***** furnishers of information have a responsibility to report only accurate information and must correct or delete inaccurate or unverifiable data. I will await the outcome of the internal investigation within the timeframe indicated, but I reserve the right to pursue further actionincluding filing additional complaints or taking legal stepsif the matter is not resolved satisfactorily.
  Please keep this complaint open until the company provides a conclusive response and demonstrates that corrective action has been taken.
  
  Sincerely,
  
  ****** Paris Argentel

• Initial Complaint

  Date:06/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 am writing in response to a collection notice found on my credit report regarding an alleged debt from your agency. Pursuant to the Fair Debt Collection Practices Act (FDCPA), 15 U.S. Code 1692g, I am formally requesting validation of this debt.Please provide the following information:1.The name and address of the original creditor;2.The amount of the alleged debt, including a breakdown of interest, fees, and other charges;3.Documentation proving that I am legally obligated to pay this debt;4.Proof that you are licensed to collect debts in my state;5.A copy of the original signed agreement or contract (if applicable).Under federal law, you must cease collection activity, including reporting this debt to credit bureaus, until you have provided proper validation. If you cannot verify the debt, you must stop collection efforts and request removal from all credit reporting agencies.Please respond to this request in writing. This letter is not an acknowledgment of the debt, and any attempt to collect a debt without validation is a violation of federal law.COLLECTION ACCOUNT:EXPERIAN:Creditors Name: CHERRY TECH Account Number: ************Date Reported: 05/21/2025 Date Opened: 12/01/2023 Balance: $486.00 EQUIFAX:Creditors Name: CHERRY TECH Account Number: ************Date Reported: 05/01/2025 Date Opened: 12/01/2023 Balance: $486.00 TRANSUNION:Creditors Name: CHERRY TECH Account Number: ************Date Reported: 02/07/2025 Date Opened: 12/15/2023 Balance: $500.00

  

  Business Response

  Date: 06/24/2025

  Dear ******** ******,

  
  On June 18, 2025, we received your complaint through the Better Business Bureau regarding the debt appearing on your credit report. We understand the importance of ensuring all reported information is accurate and verifiable, and we appreciate the opportunity to address your concerns.

  
  Upon receipt of your request for debt validation pursuant to the Fair Debt Collection Practices Act (FDCPA), Cherry Technologies has conducted a review of your account. Please find below our formal response to your requests:

  
  1: The original creditor for your loan is ****************, a chartered financial institution and Member ****. Cherry Technologies acts as the loan servicer. A copy of your signed Loan Agreement is enclosed with this response, which includes the creditors name, address, the date the loan was opened, and all relevant terms.

  
  2: You may access a detailed breakdown of your loan, including the original balance, payments made, any accrued interest, fees, and your current balanceby logging into your secure borrower dashboard at ***********************************************. This portal provides real-time updates and a complete payment history for your account.

  
  3: Your signed Loan Agreement, included here, demonstrates your legal obligation to repay the loan and outlines the full terms to which you agreed at the time of funding.

  
  4: Cherry Technologies complies with all applicable state and federal laws regarding loan origination, servicing, and debt collection practices. We maintain all necessary licenses and operational compliance as required by regulatory bodies.

  
  5: A copy of your signed Loan Agreement is included in this response. It was completed electronically and includes the disclosures required under federal law.

  
  We acknowledge your right to dispute the validity of this debt. Cherry does not pursue collection activity, including furnishing information to credit bureaus, beyond what is permitted by law.
  Should you believe any information is inaccurate or if you have further questions, please contact our support team at ************** or ********************************************************************.

  
  Sincerely,

  
  Cherry Technologies
  **************
  ********************************************************************

• Initial Complaint

  Date:06/17/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  March 18, 2025 I had a cosmetic procedure with Dvida Medspa Chicago that went terribly wrong. As a result, within 4 days of procedure, I wound up in ****************************************** I explained this to ***, Representative of Cherry Technologies, ***********************. I phoned the merchant about the problem, however, they were unconcerned. Since that date, I have been harassed by phone, email & texts numerous times. I want them to stop harassing me which is illegal & unethical. I am still under the care of *******************************. Cherry Technology continues to increase the amount. My Bank will not pay them as I was disfigured by the procedure.Thank you.

  

  Business Response

  Date: 06/26/2025

  Dear ******* ******,
  
  Thank you for bringing your concerns to our attention through the Better Business Bureau. We are sorry to hear about your experience and sincerely hope your recovery is progressing well.
  
  Cherry Technologies acts solely as a third-party financing provider and does not perform or oversee any procedures or treatments provided by our partnered practices. Our role is to finance eligible procedures approved by consumers and providers and to manage the associated repayment terms. Because of this, we are unable to validate clinical outcomes, evaluate medical harm, or influence the course of treatment administered by a provider.
  
  On April 5, 2025, you submitted a formal dispute regarding your transaction. After a review of the materials available at the time, your dispute was denied as Cherry confirmed the procedure occurred and no evidence of fraud or misapplication of the loan was found. If you have additional documentation or new information related to your experience that was not previously submitted, we encourage you to file a new dispute directly through your Cherry account. You can do this by visiting the Manage Refunds section of your payment plan dashboard here: ****************************************************************. Our team will carefully review all new information submitted and respond within 20 business days of receipt.
  
  Regarding your concern about ongoing communications, we have interpreted your complaint as a formal cease and desist request under applicable communications law. Accordingly, Cherry will no longer contact you regarding this loan. Please note, however, that your loan remains valid and all outstanding obligations associated with the account are still in effect.
  
  We understand this has been a challenging experience and we remain committed to treating every customer with respect, fairness, and transparency. If you have questions about your account or need help navigating the refund process, please reach us at ************** or email us at ********************************************************************.
  
  Sincerely,
  Cherry Technologies
  **************
  ********************************************************************

  Customer Answer

  Date: 06/27/2025

  Cherry Technologies will not be paid ever by me, just as their client Dvida Spa will never receive payment from me.  

   

  This has been discussed with ******************************* & we have decided to file a lawsuit against Cherry Technologies, LLC

   

  As an employee of the ************************, headquartered in *******, **, we will file the lawsuit in *******, ***  I have researched

  all of the lawyers associated with Cherry Technologies, LLC, as I have security clearance to do so.  You should know that my Supervisor,, is a

  Chair on the ***** the disciplinary division of all lawyers.    If Cherry Technologies continues ruining my good credit, we will file the lawsuit in 

  ******* as this is where their ciient.  We will need an answer no later than Wednesday, July 2, 2025, so we may file the paperwork prior to the Holidays.

   

  Thank you.

   

  ******* ******, JD, Consultant

  ************************

   

   

   

  

  Business Response

  Date: 07/01/2025

  Dear ******* ******,

  
  Thank you for bringing your concerns to our attention through the Better Business Bureau. We are sorry to hear about your experience and sincerely hope your recovery is progressing well.

  
  Cherry Technologies acts solely as a third-party financing provider and does not perform or oversee any procedures or treatments provided by our partnered practices. Our role is to finance eligible procedures approved by consumers and providers and to manage the associated repayment terms. Because of this, we are unable to validate clinical outcomes, evaluate medical harm, or influence the course of treatment administered by a provider.

  
  On April 5, 2025, you submitted a formal dispute regarding your transaction. After a review of the materials available at the time, your dispute was denied as Cherry confirmed the procedure occurred and no evidence of fraud or misapplication of the loan was found. If you have additional documentation or new information related to your experience that was not previously submitted, we encourage you to file a new dispute directly through your Cherry account. You can do this by visiting the Manage Refunds section of your payment plan dashboard here: ****************************************************************. Our team will carefully review all new information submitted and respond within 20 business days of receipt.

  
  We understand this has been a challenging experience and we remain committed to treating every customer with respect, fairness, and transparency. If you have questions about your account or need help navigating the refund process, please reach us at ************** or email us at ********************************************************************.

  
  Sincerely,

  
  Cherry Technologies
  **************
  ********************************************************************

  Customer Answer

  Date: 07/01/2025

   
  Complaint: 23481518
  
  I am rejecting this response because:
  
  Sincerely,
  
  ******* ******

  Customer Answer

  Date: 07/01/2025

  As I mentioned in an email I sent to you fifteen minutes ago, my associates & I are in agreement that BBB can't be objective in this matter as Cherry Technologies LLC is accredited through BBB, they pay for this.  

  Instead, I already sent Fed Ex packages to both FTC & CFPB.  The packages included all eight harassment emails, 7 harassing texts, 4 tapes of

  the recorded harassing phone calls.  I also added in Cherry Technologies from June 27, 2025, indicating in writing their fs to harass & attempt to "hold me hostage" for years to come by discrediting my name & credit.  

   

  We plan to file the Lawsuit Wednesday, July 2, 2025 in ********************  

   

  Thank you.

   

  ******* ******

  **********************************************

   

   

  

  Business Response

  Date: 07/03/2025

  Dear ******* ******,
  
  Thank you for your follow-up correspondence. We understand that this matter has been difficult. At Cherry Technologies, we are committed to handling all concerns with seriousness and respect. 
  
  To date, we have not received any documentation or supporting materialsincluding emails, messages, photos, receipts or call ************** would allow us to properly evaluate the claims outlined in your recent message. We encourage you to submit these materials by filing a new dispute through your Cherry account. You can initiate this by visiting the Manage Refunds section of your payment plan dashboard at ****************************************************************. Once received, our team will carefully review all submitted content and provide a formal response within 20 business days.
  
  Without access to such documentation through the appropriate channel, we are limited in the actions we can take. While we respect your stated intention to pursue legal remedies, we remain hopeful that we can resolve this matter collaboratively through the tools already available to you.
  
  Thank you again for sharing your concerns. If you choose to refile a dispute, our team will give your case the attention it deserves.
  
  Sincerely,
  Cherry Technologies
  **************
  ********************************************************************