Product: Debt collection

cherry technologies loaned me funds to receive services from XXXX XXXX XXXX ; however, XXXX XXXX XXXX did not provide the services that I thought I was paying for. I attempted to contact XXXX XXXX XXXX to resolve this but was not getting any cooperation from the company. I then turned to Cheery Technologies to dispute the charges and with very little thought or consideration, Cherry Technologies denied the dispute due to XXXX XXXXXXXX XXXX " no refund '' policy. BUT I never received the services I was under the impression I was paying for. I was even willing to pick another service in exchange for the services I did not receive but XXXX XXXX XXXX  would not communicate with me. After my dispute was denied I attempted several times to talk with someone higher up And I believe that person would have been XXXX. I responded to the dispute determination email requesting a call, I've called attempting to call and talk to XXXX but was either told " he is out of the office '' or " a message will be sent for him to call me back ''. After several months I recently heard from XXXX and it was via text message and i felt as if his tone was condescending. ( I am assuming " XXXX '' is a male as I have never spoke to that person. ) and that conversation via text he let me know the account will be " charged off '' Below you will find the the dispute letter that I submitted to Cherry Technologies : " Unfortunately I was not given an order invoice or receipt. 
I do not have proof showing treatments/ services not rendered nor do I have evidence practice did not follow their policy. You will have to reach out to XXXX XXXX XXXXXXXX for that information. 

I had a virtual consultation with a young lady who seemed to have been the company 's marketer, not a healthcare professional but a marketer. My initial request was for XXXX  XXXX XXXX but in between the time I submitted my request for the XXXX XXXX consultation and my virtual consultation I had found that XXXX XXXX XXXX offers awake XXXX. During my cosulation I explained my goals and she presented me with options and also explained the XXXX XXXX process to me. I let her know I will give it some thought due to my other half coming home from an almost year long deployment and I would not have that much down time to heal from the XXXX XXXX procedure. After giving it some thought I decided to go with XXXX XXXX XXXX  to get me through the summer and later in the year move forward with the awake XXXX preferably in the XXXX. So I then applied for Cherry and was given {$2000.00} credit but was only going to use $ XXXX for the XXXX  XXXX  until I talked back with the same person I had been in communication with and she had presented me with XXXX XXXX, I believe that is how it was worded. When I asked what is that? '' she explained that my collagen would be placed in my XXXX to help rebuild the collagen in that area BUT when asked if I would have immediate results I was told yes. And according to the ONE document I do have it also implies my results would be immediate. 

A few days later I drove from XXXX to XXXX. I arrived at my appointment as planned. I never meet with a XXXX XXXX XXXX XXXX as I am assisted by a medical assistant the entire visit from check in to check out. As the XXXX  is drawing my blood in preparation for the XXXX  I asked about the results that are on the companys XXXX page thinking I was having the same treatment done as what was posted, her response to me was you will have to show me which picture you are speaking about because our IT person does not always specify what the treatment the patient had done and we moved on and never readdressed the XXXX results. She also explained to me that I will not have XXXX  therapy completed during that visit due to the XXXX  being injected into my XXXX  ( at this time I am still under the impression I will leave with some results ). 

After my blood is drawn and spun so the collagen can separate from my blood I am then roomed, before pictures are completed and then a numbing agent was applied to my XXXX  in preparation for the XXXX  XXXX. When the XXXX starts injecting the XXXX  injections I then use my common sense to realize I will not have results during this visit. When I checked out I asked if Ill have results during my next visit and she assured me that I would. 

When I returned home I canceled my next appointment that I had made at my first visit in XXXX so I could research the XXXX  process since I was poorly educated when offered the service. In my findings I learned XXXX  is used in combination with other procedures such as XXXX XXXX XXXX XXXX that gives one immediate results but the collagen is added to help rebuild. 

I also had a consultation with a XXXX  in XXXX who confirmed XXXX injections are not beneficial for the XXXX. 

**Please note I completed a survey that was emailed to me from XXXX XXXX XXXX. In that survey I voiced my concerns and dissatisfaction about the process and company and I never heard back from anyone regarding my one star, laundry list of concerns survey that I had submitted. 

After doing my research I attempted to call the office to discuss my concerns and was prompted to communicate via text by their automated machine ; however, no one ever responded in the chat via text. So the next day I called the office and was successfully able to make contact with a live person. I explained my concerns..which are : After my consultation with the marketer and perseverating on my options, I had informed her I will move forward with XXXX XXXX in the Fall when I have down time to heal from a procedure as such but wanted XXXX XXXX to get me through the summer as XXXX XXXX will give me some immediate results. so I say all that to say I do not understand why I was offered something that was not even necessary nor was it going to give me the results I was looking for and was promised I would get. 
The Person I talked to at this time confirmed XXXX  does not give immediate results. 

My other concern was the company considering a refund on JUST the XXXX as I had initially AT THAT TIME planned to still move fwd with XXXX XXXX  I was told no refunds but you could transfer the balance to another treatment or procedure. I was aware of the refund policy but figured since I was sold something that was not necessary and was told otherwise about the immediate results I thought a refund would have been considered. 
After voicing my concerns, frustrations and agreeing to the transferring of the funds in exchange for another service or procedure I was promised a call back from the general manager to discuss the next steps. It has been maybe two months since I have made contact with XXXX XXXX XXXX  and I have yet to hear back from anyone from that company. 

At this point I would like my Cherry account credited with the full dollar amount. I have no desire to do business and invasive procedures with a company who conducts business as such. I have lost all trust in XXXX XXXX XXXX  so I would like to dispute the charges I am being held responsible for. I apologize for not making payments and the ignored calls but I dont feel its fair for me to have to pay for a service I did not receive and was also misinformed about. It took time for me to figure out how I was going to complete the dispute form due to me not having the required documentation to complete the form. On page 2 I can not move fwd with submitting the form without attaching documentation, documentation I was never provided with from XXXX XXXX XXXX. So in lieu I have attached this document. Cherry should consider investigating why clients are not provided with the required documentation needed to dispute a Cherrys loan. 

Thank you for your time, XXXX XXXX ''