I purchased a prepaid skincare package through a company called XXXX XXXX XXXX. The package was financed through Fortiva. In XXXX of 2014, XXXX XXXX XXXX abruptly closed its doors leaving customers such as myself with outstanding bills for treatments that were never received. I had made payments on my Fortiva account until the provider closed. I stopped making payments because I did n't feel I was responsible for paying for services that I did not and would not receive. Fortiva has reported late payments on my credit reports is now threatening a charge off collection. 
