Consumer complaint received 2023-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Sago Financial, Inc.
State: NC

Complaint narrative:
Re : SAGO Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hello : This is to advise you of an illegal incident that I experienced in dealing with Sago Financial and XXXX. Sago was used to finance my RV by the dealership XXXX XXXX  Sago uses XXXX to process their payments. 

The first unethical and legal action they conducted was the harassment of my entire family. The payment was due on the 7th, and if I did not pay on the 7th exactly they began their trail of harassment. Even though I have never missed a payment, I have never gone more than 14 days past the due date, they still stalked my family and myself as if I were 2 or more months behind. They reached out to people I did not list as a reference and quite frankly I don't know how they obtained contact information for my family members. They reached out to my brother, my nephew and even my second cousin. As a result I communicated with them in writing that this behavior was unethical, and also filed a complaint with the Better Business Bureau. These actions seem to stop that behavior and I was also very clear with them about when I expected to submit payment. I asked them to actually change my due date but they refused. I continued to make regular payments in a timely manner, and was never late or missed a payment. 

The reason for my correspondence today is because they have been caught illegally storing my banking information, and withdrew funds from my account without my permission. I did not have automatic payments turned on at any time throughout this process. The banking information was accessible only to me when submitting the payment. I manually submitted every payment and at no time gave them permission to store my banking information to use at their discretion. I never authorized the institution verbally or in writing that they had authorization to withdraw funds. The exact event happened on XX/XX/XXXX. I had communicated with Sago over text that I would be submitting my payment on the XXXX. I was out of town so my first opportunity to submit payment was on the XXXX. I was about to submit payment when I recognized that the payment had already been made and cleared my bank. I only advised them I would make the payment at that date as I have always advised them and always submitted the manual payment myself. Sago illegally withdrew the funds from my bank account on the XXXX. I immediately contacted my bank, based in XXXX XXXX  XXXX XXXX XXXX XXXX ; and alerted them to the fraudulent action. I asked for the funds to be recovered and stop payment on any future attempts to withdraw money but this organization. 

This was the final straw. Although I certainly don't want any negativity on my credit, I can not continue to deal with this organizations ' immoral and unethical and completely illegal actions. I communicated in writing for them that I wanted to do a voluntary repossession so I would not be involved with this financial any longer. The camper is in great shape and has lojack so they know exactly where it is stored. 

I would like to know what actions I can take through this organization in terms of harassment, but more importantly, so others do not ever fall victim to this predatory lender. They made me feel as if I had contracted a loan with a loan shark or the mafia. I want to prevent others from having this same experience. I am also seeking information about what I can do to limit the damage on my credit report. Please advise and thanks so much for your assistance in the disturbing matter. 


Most Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation