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:05/02/2025

  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.

  Fraudulent charge. I have no connection, no purchased anything from this company. My bank has been notified.

  

  Business Response

  Date: 05/02/2025

  Dear **** ****,
  
  Thank you for submitting your complaint through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  At this time, we are unable to locate any records associated with your name in our system. In order to proceed with a thorough review and provide a complete response, we kindly ask that you share additional details that may assist us in identifying your account, such as:
  - The full name used  (if different),
  - The phone number or email address associated with the account,
  - The approximate date of the visit or transaction.
  
  You may provide this information by contacting our support team directly at ************** or via email at ********************************************************************.
  
  Once we receive this information, we will conduct a full review and follow up accordingly. We are committed to assisting you and appreciate your cooperation as we work to resolve your concerns.
  
  Sincerely,
  Cherry Technologies ************************start="1272" data-end="1275"> ****************************************************************************************
  ******************************************************************** | **************

• Initial Complaint

  Date:04/26/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore 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 was informed that using cherry would not result in a hard credit check. Their website attests to this, and I have received several correspondences that indicate this account has been added to my credit report.

  

  Business Response

  Date: 04/29/2025

  Dear ****** *********,
  Thank you for bringing your concerns to our attention through the Better Business Bureau (BBB). At Cherry Technologies, ***** we take customer feedback very seriously and appreciate the opportunity to address the issues you have raised regarding the impact of your Cherry Payment Plan on your credit report.
  Investigation Summary
  Upon receiving your complaint, we conducted a full review of your account and relevant application history. Our findings are as follows:
  
  Soft vs. Hard Inquiry: When you initially applied for financing through Cherry, a soft credit check was performed. A soft inquiry is designed to review your credit eligibility and does not impact your credit score. This practice is fully aligned with Cherrys publicly disclosed policies, and no hard credit inquiry was made as part of your application process.
  Loan Reporting to Credit Bureaus: After your loan was originated and funded, Cherry Technologies and/or our lending partners began reporting the payment status of your loan to the credit bureaus, as disclosed in the Loan Agreement and Truth-in-Lending Disclosure provided to you at the time of application and acceptance.
  Reporting ongoing loan activity (e.g., balance, payment history, account status) to the credit bureaus is standard industry practice and distinct from a credit "inquiry." This reporting does not constitute a hard credit check but rather reflects the responsible management and payment of an active account.
  Clarification Provided
  To summarize:
  
  Application: Only a soft credit inquiry was performed, which does not impact your credit score.
  Post-Approval: Once your loan was opened, monthly account activity (such as payment history) began being reported to credit bureaus as part of standard loan servicing, consistent with disclosures provided during your loan signing process.
  If you would like a copy of your signed Loan Agreement and the Truth-in-Lending Disclosure for your records, we would be happy to provide these to you. Please reach out to our support team at ************** or email us at ********************************************************************.
  We sincerely regret any confusion and appreciate the opportunity to clarify this process for you. We remain committed to transparency and helping consumers manage their financing successfully.
  Thank you again for your feedback.
  Sincerely,
   Cherry Technologies, Inc.
   Compliance Department
   **************
   ********************************************************************

  Customer Answer

  Date: 04/29/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** *********

• Initial Complaint

  Date:04/15/2025

  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.

  I applied on march 3 and I was denied and I waited the 30 days however now it wont let me reapply.

  

  Business Response

  Date: 04/17/2025

  Dear *****,
  
  Thank you for contacting Cherry Technologies through the Better Business Bureau. We appreciate the opportunity to address your concerns and provide clarity regarding your application status.Application History and Review
  
  After carefully reviewing your account, we can confirm the following:
  - You submitted an application for financing on March 3, 2025, which was not approved.
  - Our records also indicate that you successfully submitted a second application on April 15, 2025, which was also not approved.
  
  We want to reassure you that your ability to reapply was not restricted, and your second application was processed accordingly. Denial decisions are based on a variety of factors determined by our lending partners, which may include information provided in your application and data from consumer reporting agencies.
  
  Adverse Action Letter
  In compliance with the Equal Credit Opportunity Act (ECOA) and Regulation B, you were issued an adverse action notice for each application. This letter outlines the specific reasons your application was not approved and provides instructions for obtaining further details from the consumer reporting agency used in the credit evaluation process.
  
  If you have not received your adverse action letter or would like it resent, please feel free to reach out to our support team.
  
  Next Steps
  We also recommend reviewing the adverse action notice for insight into how you might strengthen your application for future consideration. If you have additional questions or need further assistance, please contact us directly.
  
  Thank you again for bringing your concerns to our attention. Were here to help and appreciate your interest in Cherry.
  
  Sincerely,
   Cherry Technologies
   **************
   ********************************************************************

• Initial Complaint

  Date:04/10/2025

  Type:Order 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 not liable for this debt with charter communications,I do not have a contract with Cherry Technologies, they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 04/14/2025

  Dear ****** ******,Thank you for reaching out to us through the Better Business Bureau (BBB). At Cherry Technologies, we take consumer concerns seriously and are committed to thoroughly investigating and addressing all inquiries.We understand that you are disputing liability for a debt associated with Cherry Technologies and have stated that you do not have a contract with our company. You also mentioned that you requested a copy of the original contract and did not receive it.Investigation Summary
  After conducting a detailed review of your account, we were able to locate a loan application submitted under your name. Our records show that the application was submitted via our digital platform and included personal identifying information consistent with the information on file with major consumer reporting ************* Agreement and Documentation
  Per your request, we have reviewed the documentation associated with this loan. We are happy to provide you with a copy of the fully executed Loan Agreement, which includes the Truth-in-Lending Act (TILA) disclosures and outlines the terms and conditions agreed to at the time of contract origination. A copy of this contract can be accessed by logging into your Cherry account via the phone number you applied with or we would be happy to send to your email on file. If you did not receive it or need it resent, please contact us at the information below.Disputing the Debt
  If you believe this account was opened fraudulently or without your authorization, we encourage you to file a formal identity theft claim. We take identity theft allegations very seriously and will initiate a fraud investigation upon receipt of supporting documentation, such as a completed FTC Identity Theft Report and/or a police *********** Steps
  To further assist you, please contact our support team at ************** or email ********************************************************************. We are committed to resolving this matter and ensuring that any inaccurate reporting, if present, is corrected in a timely manner.Thank you again for bringing your concerns to our attention. We are here to help and are committed to fair and transparent lending practices.Sincerely,
  Cherry Technologies
  **************

• Initial Complaint

  Date:04/09/2025

  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.

  I ordered *********** through my local eyecare shop which cost roughly $1,000 dollars. I used Cherry Technology, the loan service partnered with ************** for this payment because I did not have the money to pay in full. I returned them within the **************************************************** January. The return was made in February. I considered getting Neurolenses after I returned them because a week after returning them my eyes were super dry. But I was denied a new line because I had an ongoing line. This is when I found out they never refunded the intial amount. I said Id consider retrying the Neurolenses option WHEN this situation gets resolved first but because this has caused so much emotional stress, I withdrew from getting these glasses ALTOGETHER. I have not gotten my money back and Cherry forgets multiple times that *** filed a dispute. As per their dispute requirements they are supposed to guide the partnered company on how to assist with the refund but they already received both the product and money back. They confirmed they made no attempt to reach out to ************** despite saying they would do that. So now, theyre just tap dancing with my money thinking that I have $800 to just lose and a tanking credit score Im willing to accept. Attached are images of the FIRST dispute form, my eye doctor confirming she sent the refund, and Cherry Technologies with their flimsy tactics.

  

  Business Response

  Date: 04/16/2025

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

  Thank you for submitting your concerns through the Better Business Bureau on April 9, 2025. At Cherry Technologies, we take all feedback seriously and are committed to ensuring a fair and thorough review of your situation.

  We understand the frustration caused by the return and refund process associated with your Neurolenses order through Totowa Eyecare. As noted, your original internal dispute was closed on March 25, 2025, due to a miscommunication between Cherry and the practice. We apologize for any confusion this caused.

  We want to assure you that your new dispute, opened on April 9, 2025,  is actively being worked by our internal dispute resolution team. We are currently in the process of re-engaging with Totowa Eyecare to clarify the status of the returned funds and ensure that appropriate next steps are taken. You will be contacted directly by a Cherry representative with an update as soon as our investigation is complete.

  In the meantime, if you have additional documentation or updates you would like to provide, you are welcome to reach out to our support team directly at ******************************************************************** or **************.

  We appreciate your patience as we work to resolve this matter promptly and fairly.

  Sincerely, 

  Cherry Technologies

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

• Initial Complaint

  Date:04/04/2025

  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.

  I had financed with Cherry a dental procedure which auto pays every month. It was reported to the credit bureaus at the time it started whos was fine. Now, 4 months later, I received an alert today from trans union that a new account was opened. TODAY. I signed into my credit account to research who it was because I know I have not opened any new accounts since last year. And it said it was Cherry that reported a new account was opened today. Which of course will bring down my score because thats what happens. I am in the process of trying to purchase a house and dealing with a lender which I have seen my credit report that the lenderhad pulled two weeks ago and ***** was already listed on it so I reached out to Cherry and asked them what this was all about and whoever was chatting with had no answers. All they said was cherry reports accounts 30 to 90 days after theyre open well if thats the case thenwhy was my account reported previously and why is it being reported that I just opened an account today And they could not answer my question I want this taken care of. I want this taken off my credit report, everybody knows how it when you buy a house and thats just one more thing that Im going to have to deal with due to no fault of my own. ********, all payments have been made on time. Thank you.

  

  Business Response

  Date: 04/10/2025

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

  
  Thank you for contacting us regarding your recent concern about how your Cherry loan was reported to **********. We take all feedback seriously and appreciate the opportunity to address your concerns thoroughly.

  
  After reviewing your account and our credit reporting records, we would like to provide clarification and assurance on the matter:

  
  Credit Reporting Process
  Cherry reports borrower loan information to the major credit bureaus, including **********, on a monthly basis in accordance with applicable laws and the terms of your Loan Agreement. This includes information such as payment history, balance, and status of the account.

  
  Findings from Our Review
  Following your inquiry, we conducted an internal review of your loan data as reported to **********. Our investigation confirmed that your loan was reported accurately and on time, and that there were no interruptions or delays in the reporting process. The data submitted reflects the status of your account at the time of reporting, including payment activity and current balance.

  
  If you believe there is specific information appearing on your credit report that does not reflect your actual payment history or account details, we invite you to provide a copy of your ********** credit report or any additional documentation so we can further investigate and assist you.

  We are committed to ensuring that all information we furnish to credit bureaus is accurate and compliant with the Fair Credit Reporting Act (FCRA). If you have any questions, or would like to discuss this further, please do not hesitate to contact us at ************** or *************************************** We are here to help and want to ensure that your concerns are fully resolved.

  
  Thank you for bringing this matter to our attention.

  
  Sincerely,

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

  
  

  Customer Answer

  Date: 04/10/2025

   
  Complaint: 23161530
  
  I am rejecting this response because: Your response is  not why I contacted you. The reason is, it has been reported  twice. It is appearing on my credit reports like a new account has been opened and it not new. The account was open in January, and reported in January. Why is it being reported in March again? It is not late, or behind. That messes up a persons credit and causes unnecessary conflict for no reason. Especially if someone is attempting to get a loan.  I want this corrected. There is no reason for my credit score to drop because a new loan was not open in March. It was opened in January. 
  

  Thank you,
  
  Sincerely,
  
  **** *********

  

  Business Response

  Date: 04/14/2025

  Dear **** *********,
  Thank you for contacting us regarding your recent concern about how your Cherry loan was reported to **********. We take all feedback seriously and appreciate the opportunity to address your concerns thoroughly.
  After reviewing your account and our credit reporting records, we would like to provide clarification and assurance on the matter:
  Credit Reporting Process
  Cherry reports borrower loan information to the major credit bureaus, including **********, on a monthly basis in accordance with applicable laws and the terms of your Loan Agreement. This includes information such as payment history, balance, and status of the account.
  Findings from Our Review
  Following your inquiry, we conducted an internal review of your loan data as reported to **********. Our investigation confirmed that your loan was reported accurately and on time, and that there were no interruptions or delays in the reporting process. The data submitted reflects the status of your account at the time of reporting, including payment activity and current balance.
  If you believe there is specific information appearing on your credit report that does not reflect your actual payment history or account details, we invite you to provide a copy of your TransUnion credit report or any additional documentation so we can further investigate and assist you. We are committed to ensuring that all information we furnish to credit bureaus is accurate and compliant with the Fair Credit Reporting Act (FCRA).
  If you have any questions, or would like to discuss this further, please do not hesitate to contact us at ************** or *************************************** We are here to help and want to ensure that your concerns are fully resolved.
  Thank you for bringing this matter to our attention.
  Sincerely,
  Cherry Technologies
  **************
  ********************************************************************
  
  

  Customer Answer

  Date: 04/14/2025

   
  Complaint: 23161530
  
  I am rejecting this response because: you are not addressing the problem.  There is nothing wrong with my payments. It is the fact that it has been reported twice as being a new account that is what I am saying and I never mentioned *********** so I dont know why you are so apparently you must know something.
  
  Sincerely,
  
  **** *********

  

  Business Response

  Date: 04/16/2025

  Dear **** *********,
  
  Thank you for contacting us regarding your recent concern about your Cherry loan. We take all feedback seriously and appreciate the opportunity to address your concerns thoroughly.
  
  Credit Reporting Process
  Cherry reports borrower loan information to the major credit bureaus once per month, in accordance with applicable laws and the terms outlined in your Loan Agreement. This reporting includes your loan balance, payment history, and account status.
  
  Findings from Our Review
  Following your inquiry, we conducted an internal review of the loan data submitted to the credit bureaus. We would like to clarify that only one credit report is submitted per month to each bureau. We do not issue or generate multiple reports for the same contract.
  Our investigation confirmed that the information furnished to the credit bureau was both timely and accurate, and it reflected your accounts status at the time of submission, including payment activity and balance details. We advise contacting the credit bureaus directly to get additional information.
  
  Next Steps
  If you have identified any discrepancies on your personal credit report that you believe may not align with your actual payment history or account details, we encourage you to share a copy of the report in question. This will allow us to further investigate and assist you in resolving any potential concerns.
  Should you have any further questions, or if theres anything more we can do to help, please dont hesitate to contact us at ************** or *************************************** We're here to help and remain committed to transparency and compliance in all aspects of credit reporting.
  
  Thank you again for bringing this to our attention.
  
  Sincerely,
  Cherry Technologies
  **************
  ********************************************************************

  Customer Answer

  Date: 04/17/2025

   
  Complaint: 23161530
  
  I am rejecting this response because: It has been reported more than once and shows as a new account both times which it is not.  I am not going to accept any response, and will not continue to go back and forth with you. 
   
  **** *********

• Initial Complaint

  Date:04/03/2025

  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.

  This is the issue. Cherry Technologies keeps saying they have proof it was me because they called my phone number. But that is not evidence as the whole point was this person was staying at my house when it happened and accessed my electronics. Additionally, ********** already responded and verified it again. I sent them an *** Report and a Police report however they keep on saying that it is verified. I wanna file a complaint because even though I provided them the necessary documents for investigation they always keep saying it was me.

  

  Business Response

  Date: 04/10/2025

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

  Thank you for contacting us through the Better Business Bureau (BBB) on April 3, 2025. We understand your concerns regarding the loan, the associated credit reporting, and your worry about unauthorized access to your account. We sincerely apologize for any inconvenience this situation has caused you.

  We have carefully reviewed your case. Our records indicate that a loan agreement was established on January 14, 2023, with Cherry through Earth Tech Spa - Spa & Wellness ************ for a total loan amount of $3,000, with $2,733.53 financed.

  Regarding your credit reporting dispute, we conducted a thorough investigation. This included verifying your Personal Identifiable Information (PII), which matched the information provided during the application. Furthermore, documentation from Earth Tech Spa - Spa & Wellness ************ confirmed the services rendered, aligning with the loan agreement facilitated by Cherry. Based on this review, the dispute was ultimately denied.

  We understand your concerns about the credit reporting and your additional concern that someone else may have accessed your electronics to control your account. We acknowledge that you have confirmed with ********** that this has been verified. If you have any further evidence to support your claim of unauthorized access or control of your account, we strongly encourage you to provide it to us for further review and investigation.

  Furthermore, if you have any additional evidence that clearly demonstrates you did not enter into this loan agreement, please send it to us. We are committed to a fair and accurate review process and will thoroughly examine any new documentation you provide.

  For any further discussion or potential resolution regarding the services provided, we recommend contacting Earth Tech Spa - Spa & Wellness ************ directly to understand their policies and procedures.

  Should you have any further questions about your loan or require additional assistance, please do not hesitate to contact us. We are here to provide you with clear and helpful information.

  Thank you again for bringing this to our attention.

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

  
  

  Customer Answer

  Date: 04/11/2025

   
  Complaint: 23155354
  
  I am rejecting this response because: We are extremely frustrated with the repeated disputes regarding this identity theft case. If Cherry Technologies requires additional documentation, could they please specify exactly what documents they are looking for? Alternatively, if they can provide specific documents that they need, please let us know immediately.
  
  Sincerely,
  
  ******* *******

  

  Business Response

  Date: 04/14/2025

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

  Thank you for contacting us through the Better Business Bureau (BBB) on April 4, 2025, regarding your concerns about your loan, credit reporting, and potential unauthorized account access.
  As you requested, we have completed a second review of your fraud claim, including the *** and police reports you provided. However, this review has not changed our decision.

  Second Review Findings

  We acknowledge that you submitted both an FTC Identity Theft Report and a police report. However, our decision remains unchanged for the following reasons:
  We have a completed Cognito Liveness Video - Selfie Check.
  We have been communicating with you using the phone number on file with Cherry.
  Our recorded calls are consistent with recent communications.
  We have received proof of services from the merchant.
  You acknowledged the contract and attempted to make a payment.

  Decision

  Based on our thorough reassessment, we must uphold our original decision. We determined the loan application to be valid due to the presence of your personally identifiable information, including, but not limited to, your phone number, email address, and the bank account connected during underwriting.

  Therefore, we are unable to approve your fraud claim and this decision is considered final.

  For any further discussion or resolution concerning the services provided, please contact Earth Tech Spa - Spa & Wellness ************ directly to address their policies and procedures.

  If you have any further questions about your loan or need additional assistance, please contact us. We are committed to providing you with clear and helpful information.

  Thank you again for bringing this matter to our attention.

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

  
  

• Initial Complaint

  Date:03/19/2025

  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.

  To Whom It May Concern,I am filing a formal complaint regarding Cherrys failure to properly investigate and correct a delinquent credit report. Despite clear documentation from ***************** stating that my account was taken over by their business and that I was no longer responsible for payments, Cherry has continued to report the account as delinquent to the credit bureaus.I have canceled my Cherry account, notified both Cherry and the practice of this, and yet my credit report remains affected due to Cherrys negligence. The failure to correct this inaccurate reporting, despite direct communication from the practice, is unacceptable. I demand immediate action to rectify this issue and a written confirmation that the erroneous delinquency has been removed from my credit file.This account honestly should've been closed months ago and the practice emailed them and called them to inform them that I NO LONGER HAD A MEMBERSHIP AND ACCOUNT. If this matter is not resolved promptly, I will escalate my complaint to consumer protection agencies and consider legal action.

  

  Business Response

  Date: 03/28/2025

  Dear *** *******,
  Thank you for your message received by the Better Business Bureau on March 19, 2025. At Cherry Technologies, we take all customer concerns seriously and are committed to providing clear and accurate information about your account and credit reporting status.
  After a thorough review of your account history, we would like to address the concerns raised in your complaint.
  Credit Reporting Obligations
  As a loan servicer, Cherry Technologies is obligated under the Fair Credit Reporting Act (FCRA) to report loan informationincluding delinquenciesaccurately to credit reporting agencies. Your account became past due in January 2025 and was subsequently reported as 30 days and then ******************** accordance with our regulatory obligations and the loans payment history.
  Our records indicate that you contacted Cherry multiple times in January and February 2025. During those communications, our team informed you that the dispute review was still in process and that your account would continue to accrue interest and be subject to negative credit reporting if payments were not made during the investigation period.
  Dispute Investigation and Findings
  You submitted a dispute stating that ***************** had assumed responsibility for your account. We received reference to an email purportedly from the practice; however, the email was not sent to Cherry, nor did it come from a verified contact associated with the practices Cherry account.
  In accordance with Cherrys policy, refund and cancellation disputes must be submitted within 120 days of the contract origination to be eligible for mediation. Your contract was over that threshold when the dispute was initiated. As such, Cherry was unable to intervene further in the billing arrangement or cancel the loan on your behalf. You were advised to resolve the matter directly with the practice, as per our policy.
  Reporting Outcome
  The information reported to the credit bureaus reflects the accurate status of your account, including the delinquency.
  Next Steps
  If you have additional questions or believe new documentation may be available to support your claim, please feel free to contact us directly. You may reach us at ************** or via email at *************************************** We are here to assist you.
  Thank you again for bringing this matter to our attention. We remain committed to transparency, fairness, and resolving concerns in a manner consistent with our obligations.
  Sincerely,
   Cherry Technologies
   **************
   ********************************************************************

• Initial Complaint

  Date:03/18/2025

  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.

  My husband passed away on 13 November 2022. I explained through multiple letters with no reply from the company. They were paid in advance, always, and in full. This was removed in the past from the credit bureaus. Now, it appears again in my records in the credit bureaus. No one on the phone (I thought it was resolved) or by letters can resolve the situation, which I thought was resolved considering the circumstances, and I have no idea by rebutting it, what is sent to the credit bureaus in this regard. As stated, this effects my employment and credit history.

  

  Business Response

  Date: 03/28/2025

  Dear ****** *****,
  
  We would like to begin by expressing our sincere condolences on the loss of your husband. We understand that the impacts of such a loss are long-lasting, and we truly appreciate you taking the time to share your concerns with us.
  
  We have reviewed your account and communication history in full. Our records show that the account became past due in August 2022, and that Cherry made seven outbound attempts to contact you between October and November 2022, prior to your husbands passing. Numerous additional contact attempts were made in the months that followed in an effort to resolve the balance.
  
  Regarding the credit reporting concern, please know that Cherry is required to report loan activity accurately and in accordance with the Fair Credit Reporting Act (FCRA). While we are pleased that the account is now paid in full and in good standing, we cannot revise previously accurate reports submitted during the time the account was delinquent. We are not reporting any new derogatory information related to this account.
  
  If you believe there is new or additional information that we have not considered, or if you believe your credit file reflects inaccurate data, we encourage you to reach out directly to us. We are happy to investigate and work with you to ensure the information on file is correct. You may contact us at ************** or via email at ********************************************************************.
  
  Thank you again for the opportunity to respond.
  
  Sincerely,
  
   Cherry Technologies
   **************
   ********************************************************************
  

  Customer Answer

  Date: 03/28/2025

   
  Complaint: 23085006
  
  I am rejecting this response because: I did reach out and had a response from Cherry that I was paid up until October 10 2022, and thy started to do a direct debit of the account. So, November undue to my knowledge at the time was hindered by the bank. The blockage of account was due to the death of my husband in November 2022 and I appreciate your condolences.  Since he died three days after the arrangements made with your company, I just assumed it was paid in November 2022. So, the records of when you decided to withdrawal from the bank are not clear to me.  Also, I paid in advance for the loan and paid it off in advance too. Please provide the letter that you sent in receipt of my sending them to you and proof of this, plus your the only credit or loan that did not help me with the circumstances. Also, I replied on 3/18/2025 to resolve this with no reply.  No reply with the copy of his death certificate or any other mail I sent.  HIs funds were cut off to with that account. Send all documentation with your claim in kind.  Since circumstances leading up to his death and trying to make amends with bills may not seem to be a zero tolerance on your part.  The Cherry LLC had reported again on 18 March 2025 on my credit bureau records even though this was paid closed a long time ago on 2023 ahead of schedule. Also note I had COVID in December of 2022, dealing with a lot and still tried to make amends, arrangements.  I sent you his death certificate and tried to resolve this, no response until now in the BBB.  When do you stop reporting the derogatory information and do you keep tis going for how long in my credit report? The response is somewhat inaccurate and shows how your company deals with loans.
  
  Sincerely,
  
  ****** *****

  

  Business Response

  Date: 04/04/2025

  Dear ****** *****,
  
  Thank you for your follow-up message. We truly appreciate your continued effort to bring clarity to this matter.
  
  As mentioned previously, this loan has been paid in full and is closed in good standing. Please rest assured that Cherry does not continue to report new negative information on paid or closed loans. However, we are required under the Fair Credit Reporting Act (FCRA) to report accurate historical account data including any periods of delinquency as it occurred during the life of the loan. This historical data can legally remain on a consumer credit report for up to seven years from the date of the original delinquency.
  
  If you are currently seeing Cherry reported on your credit report with new derogatory information dated in 2025, we would like to investigate that immediately. To proceed, we respectfully request that you send us a copy or screenshot of your credit report showing the Cherry tradeline with the recent reporting date in question. We want to ensure there is no error or misreporting and will promptly work to correct anything that is inaccurate.
  
  You may reach us directly by phone at ************** or by email at *************************************** Our team is here to help, and we are committed to ensuring your account history is accurately and fairly represented.
  
  
  Thank you again for the opportunity to respond.
  
  Sincerely,
  Cherry Technologies
  **************
  ********************************************************************

  Customer Answer

  Date: 04/06/2025

   
  Complaint: 23085006
  
  I am rejecting this response because: I will not put the snapshot of my credit history on this forum since it is seen by everyone on the internet.  I will mail a snapshot of it to your company.  In return, I would like a copy of my payment history and what you have int he reply from your company mailed to my house, you have my address.  Since your inflexible with circumstances that led to what is reported, I do contest I was 90 days late with your company as reported. I notice the update of the 2025 was removed on Credit Karma. Also, it was reported as closed/paid in November 2023 which was way ahead of schedule with interest incurred. Calling there never resolved anything. 
  
  Sincerely,
  
  ****** *****

  

  Business Response

  Date: 04/10/2025

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

  Thank you again for your continued communication. Please note that Cherry does not send physical mail for documentation or account records. However, we want to ensure that you have access to all the information you need. You can securely access your full payment history, payoff details, and account status at any time by logging into your Cherry borrower dashboard at ***********************************************. These records can be downloaded or printed directly for your personal records or review.

  If you need help locating this information or navigating the dashboard, our support team would be happy to assist you. You can reach us at **************, Monday through Friday from 8:00 AM to 6:00 PM PST, and weekends from 10:00 AM to 1:00 PM PST.

  Regarding your credit reporting concern, you are welcome to send your documentation, such as the screenshot you mentioned, directly to our support email at ********************************************************************. Once received, we will conduct a full investigation and work to resolve any discrepancies that may exist.

  We are pleased to hear that your credit report now shows the loan as closed and paid, which is consistent with our records. If there are still any issues youd like us to review, we are here to help and we appreciate your patience as we work toward a resolution.

  Sincerely, 

  Cherry Technologies

   **************

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

  
  

  Customer Answer

  Date: 04/10/2025

   
  Complaint: 23085006
  
  I am rejecting this response because: The company will investigate on their terms.  Also, they will not send any proof or documentation to me on claims even though I was honest and replied to them.  I look forward to hearing your conclusion or resolution.  
  
  Sincerely,
  
  ****** *****

• Initial Complaint

  Date:03/17/2025

  Type:Order 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 signed up for a weight program but I never received it from 30 Body Weight Loss. It was due to being injured and aggravation of prior injuries. This took place back in Nov 2024 in *******, **. I returned all supplies and left a message stating that I would not be able to start the program at all. 30 Body stated that I still had to pay the full amount of $4,800. to Cherry Technologies. I am a disabled veteran with lower back and knee injuries. I was and am not capable of using any of their equipment by recommendation of VA Orthopedic ***** Cherry Technologies has charged me roughly $800. so far and are refusing to stop trying to collect from me for services not used.

  

  Business Response

  Date: 03/27/2025

  Dear ***** *****,
  
  Thank you for submitting your concern through the Better Business Bureau on March 17, 2025. We appreciate the opportunity to address your concerns and want to assure you that Cherry takes all customer feedback seriously.
  
  Internal Dispute Status
  We confirm that you submitted a transaction dispute to Cherry on March 12, 2025, regarding your loan used for services at 30 Body. In your dispute, you stated that you were unable to proceed with the treatment due to medical reasons and returned all products unopened shortly thereafter.
  
  Your dispute remains under active review by our Disputes Team. On March 27, 2025, we reached out to request additional documentation from you to assist in evaluating your claim. We kindly ask that you submit the requested information as soon as possible to allow us to continue the investigation and determine next steps.
  
  Loan Terms & Ongoing Payment Obligations
  As outlined in your loan agreement signed on November 11, 2024, Cherry Technologies serves as the loan servicer and not the provider of services. The loan amount of $4,666.07 was disbursed directly to 30 Body on your behalf.
  
  While the underlying dispute regarding services is under review, your repayment obligation under the loan agreement remains active. We strongly encourage you to continue making timely monthly payments. This helps avoid late fees and protects your credit profile. If your dispute is approved and a refund is issued by the practice, your loan balance will be adjusted and any overpayments will be reconciled.
  
  We remain committed to resolving your dispute in a fair and transparent manner. To move forward, please provide the requested documentation by replying to your open internal case.
  
  Thank you for your cooperation. We look forward to working with you to reach a resolution.
  
  Sincerely,
  
  Cherry Technologies
  ********************************************************************
  **************

  Customer Answer

  Date: 03/27/2025

   
  Complaint: 23077438
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***** *****