Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CHERRY TECHNOLOGIES INC.
State: CA

Complaint narrative:
SECTION 1 Summary of the Issue I am filing a complaint regarding a financing agreement with Cherry Financing for dental treatment at XXXX XXXX XXXX ( XXXX, CA ). The provider did not render the majority of the services, failed to provide any itemization or documentation supporting the charges, made contradictory statements about refunds, and is claiming I owe nearly the full balance ( ~ {$19000.00} ) despite incomplete treatment. 

This dispute is related to financial transparency, disputed charges, and Cherry attempting to enforce payment for unrendered services. Below is a detailed timeline and explanation. 

SECTION 2 Detailed Timeline & Facts : XXXX. XX/XX/XXXX Treatment Plan Signed I signed a treatment plan with XXXX XXXX XXXX. Contract language clearly states : - Payment for services rendered will be due at the time of service. 
- I am responsible for charges incurred during the course of treatment. 
- Consent remains in effect until I choose to terminate treatment in writing. 

XX/XX/XXXX Original Delivery Date Missed by Provider On the morning of my scheduled delivery appointment : -The receptionist called and stated the doctor was not satisfied with the XXXX  that arrived. 
-I was told the veneers needed to be remade and that I would be contacted to reschedule. 
-No one contacted me. 

XXXX XX/XX/XXXX I Follow Up I called the provider myself. They informed me that the new appointment would be moved to XX/XX/XXXX, nearly 3 months later. 

Services NOT provided ( to date ) : Despite months of waiting, I never received : -My XXXX XXXX XXXX XXXX -Any XXXX  -Any XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Any final delivery of treatment XX/XX/XXXX I Terminate Treatment in Writing ( per contract ) I terminated treatment in writing via text message, exactly as the contract requires. 
I also requested my full dental records. 

Contradictory Statements From Provider On the morning of XX/XX/XXXX : -The treatment coordinator, XXXX XXXX XXXX told me verbally that I would receive a partial refund because the work was incomplete. 

Hours later, the same coordinator emailed me stating : -They would NOT issue a refund. 
-I still owed nearly the full amount. 

Providers Refusal to Provide Documentation So far, the provider has : -Refused to provide an itemized breakdown of services -Refused to justify the {$19000.00} charge -Admitted in writing that a previous {$2000.00} refund offer was only a professional courtesy, not based on actual services -Claimed the XXXX  were already created -Provided zero lab invoices, lab orders, or proof of fabrication -Provided contradictory statements about what is owed XX/XX/XXXX Formal Records Request ( California Law ) On the same day, I formally requested : -My complete dental records -Treatment notes and progress notes -Lab orders and invoices -A full statement of account Under California Health & Safety Code XXXX, the provider must supply records within 15 days of a written request. ( They are within the window, but have already stated they will not provide itemization. ) Why this is a financial dispute : I do not dispute that I owe something for the limited work performed. 

However : -The treatment was never completed -The core stages of XXXX  treatment ( XXXX XXXX XXXX XXXX XXXX ) which represent the majority of value were not performed -Cherry and the provider are attempting to collect payment for services never rendered -The provider refuses to provide documentation required to support the charges I am seeking a fair adjustment to the financed balance based on actual services rendered, not unsubstantiated claims. 


SECTION 3 Why this violates financial fairness Cherry is attempting to collect nearly the full loan balance even though : -The underlying services were not delivered -The provider refuses to provide documentation -Charges are not itemized -The amount claimed is unsupported -The providers statements are contradictory and inconsistent

Company response to consumer: Closed with explanation