Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CHERRY TECHNOLOGIES INC.
State: MO

Complaint narrative:
To Whom It May Concern, Subject : Formal Complaint Against Cherry Technologies , Inc. ( XXXX XXXX XXXX I am writing on behalf of XXXX XXXX XXXX XXXX to formally file a complaint against Cherry Technologies , Inc., regarding its mishandling of a customer dispute, the improper reversal of loan funds, and the companys inconsistent and misleading business practices surrounding patient financing. 

We entered into a business relationship with Cherry Technologies to offer financing options for medically supervised weight loss programs, including treatments involving XXXX medicXXXX. Prior to promoting this financing to our patients, our team confirmed via recorded telephone call with Cherrys representatives that these services were fully eligible. This confirmation was central to our decision to partner with Cherry.

Despite this, Cherry reversed funds on a patients loan under the following troubling circumstances : Complaint Summary : 1. Improper Dispute Processing : The patient dispute was submitted well beyond Cherrys own published timeframes for allowable dispute resolution. No refund was ever requested by our business, and the services in question were rendered in full, as documented.

2. Retroactive Policy Enforcement : The refund was issued based on policy changes implemented after the loan and services were finalized. These policies did not exist at the time of the patients contract, making their retroactive application legally and ethically problematic.

3. Contradictory Marketing and Communications : Cherry publicly marketed its financing options specifically for XXXXXXXX weight loss programs ( including via social media ), and confirmed eligibility during onboarding. To now deny that such services were covered is a direct contradiction. 

4. Lack of Transparency and Due Process : Our formal objections, documentation, and audio recordings have been ignored or dismissed by Cherrys dispute resolution team. There has been no meaningful opportunity to appeal the decision.

We Request : - A full reversal of the refunded transaction - A regulatory review of Cherrys business practices related to lending disclosures, partner communications, and dispute handling - Clarification regarding consumer and business protections under Cherrys financing model Supporting Evidence Available Upon Request : - Audio recording of confirmation from Cherrys staff - Documentation of services rendered - Timeline showing dispute was filed late - Screenshots of Cherrys XXXX promotional materials We respectfully request that your agency investigate this matter. If no corrective action is taken, we reserve the right to pursue additional remedies through regulatory and legal channels. 





Additional Case Details : The client in question first came to us in XXXX of XXXX seeking a structured medical weight loss plan. We enrolled her in a 6-month program, which was clearly defined to expire on XX/XX/XXXX. Throughout this period, she missed multiple scheduled appointments and ultimately stopped attending her visits altogether. Despite these absences, she was given full access to the entire program and the prescribed medications associated with it. 

On XX/XX/XXXX, the client returned to our office. At that time, she was informed that her original program had expired and that she would need to purchase a new round of medication to continue treatment. This conversationincluding our explanation of the program expiration and the cost of continuationis fully documented via our lobbys security camera footage.

Company response to consumer: Closed with explanation