Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Sungage Financial, LLC
State: IL

Complaint narrative:
Throughout the entire sales process, I was never clearly informed, either before or at the time of signing, of the true nature or full financial terms of this transaction. Each time I asked how much I would need to pay, the sales representative consistently described the system as free or government-funded and repeatedly emphasized only a monthly payment of approximately {$180.00}. 

When I asked about costs, materials, or installation fees, the sales representative stated that those were free and that I would not need to pay anything. When the transaction was later framed as financing, he continued to present the payment as equivalent to a utility bill, stating that I would no longer need to pay XXXX and that I was done with XXXX, and that the $ XXXX monthly payment would effectively replace my electricity bill. 

The sales representative is a native XXXX speaker. However, knowing that my XXXX proficiency is limited, he chose to communicate with me primarily in XXXX. His XXXX explanations were incomplete and inaccurate, and he later used XXXX as a translation tool during discussions of the financing terms. I relied on these explanations and representations to understand the agreement. 

During the signing process, I repeatedly asked what each document and option meant and what I was agreeing to. Despite these questions, the sales representative did not explain the material terms I needed to know. At no point was I informed, in a language I could reasonably understand, that this was a long-term loan with an interest rate of approximately XXXX %, that the financed amount would be {$57000.00}, or that the total of payments would be $ XXXX.or that the loan balance would continue to grow over time, including increasing to approximately {$70000.00} {$80000.00} after several years. 

I was also never informed of the existence of a principal payment target requiring a lump-sum principal payment of {$17000.00} on or before XX/XX/year>, nor was I informed that this amount would remain outstanding if not paid. Promotional payment periods, future payment changes, interest accrual, and the long-term repayment structure were not disclosed or explained to me. 

I only discovered these material terms after setting up the payment account, at which point I realized that the sales representatives prior statements were misleading and inconsistent with the actual loan terms. My decision to sign was based on those misrepresentations and omissions. 

After learning that I had been misled into signing a large loan without being properly informed, I immediately contacted the companys customer service and submitted a written dispute by email. The company responded by stating that the documents had been signed and that no changes could be made. The company did not address my concerns regarding misrepresentation, lack of disclosure, or language barriers, and only stated that my complaint had been forwarded to its Compliance department. 

I am not disputing that documents were signed. I am disputing that my consent was informed, given the repeated misrepresentations, the omission of material loan terms, and the language barrier at the time of sale.

Company response to consumer: Closed with explanation