Consumer complaint received 2020-09-22
Company: SECURITY FINANCE CORP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am publishing what lending companies like Security Finance do to their debtors when debtors like myself need to file for chapter XXXX bankruptcy..In the month of XX/XX/XXXX I contacted all of my creditors to inform them of my intent to file a chapter XXXX bankruptcy and I asked all of my creditors to stop calling me ... As evidence that I did this I attach an email from XXXX XXXX a paralegal at XXXX XXXX XXXX who instructed me to save my money and pay their fee all at once and to have my creditors call XXXXXXXX XXXX XXXXXXXX because they will get my creditors to stop calling me ... What unfolded next was a nightmare ... My I did what XXXX XXXX told me to do and my creditors did call XXXXXXXX XXXX XXXX who told them that they did not represent me ... This placed me in a very awkward position with my borrowers and I looked like a horses XXXX a village XXXX ... I was very hurt and upset by what XXXX XXXX did XXXXo me which was not professional at all..Further to this in one of my personal meetings with XXXX XXXX - XXXX XXXX told me that she works for XXXX either as a volunteer or an employee ... XXXX stands for XXXX XXXX XXXX XXXX a place I called when I needed to talk as I was processing new information from past trauma ... When XXXX XXXX told me at an appointment at XXXXXXXX XXXX XXXXXXXX that she fielded some of my phone calls to XXXX 's call line ... I felt violated I felt XXXX all over again and I was appalled and gobsmacked that XXXX XXXX said this to me ... Then XXXX XXXX proceeded to undermine me in a vary nasty way by telling me to have my creditors call XXXX XXXX XXXX only to be told that XXXXXXXX XXXX XXXXXXXX does not represent me ... This brought on a barrage of phone calls for months on end many times a day from my creditors this call log of 37 voicemails is just for one creditor and does not include the phone calls I answered ... All of this interfered with my ability to work and to function ... This behavior by XXXX XXXX set me up to fail and added to my duress and stress ... I got sick from the XXXX  so sick that I have to use XXXX XXXX for XXXX on my scalp and use cream for XXXX  on my eyelid as my body is shutting down from the XXXX ... I am XXXX from XXXX and if I do not take it easy I could drop XXXX from a XXXX XXXX in less than six months ... I am doing what my doctor tells me to do ... I am taking a medicine for XXXX XXXX and for XXXX ... I did try to tell XXXX XXXX XXXXXXXX what XXXX XXXX did to me ... Instead of giving me a voice at all in the month of XXXX I received a letter from XXXX XXXX claiming that since I could not be reasonable that XXXXXXXX XXXX XXXXXXXX no longer represents me ... I present this letter because it is evidence that XXXXXXXX XXXX XXXXXXXX did represent me in XXXX but failed me as their new client ... Because I never made a payment per XXXX XXXX 's instructions this law firm was not legally obliged to represent me ... I put to Security Finance the following ... Due to misconduct on the part of XXXX XXXX who did an obstruction of Justice by failing to give me sound advice ... I was set up by XXXX XXXX to be abused by creditors like Security Finance who refused to listen to my repeated requests to cease and desist these harassing and excessive phone calls ... I also submit an email I sent to XXXX XXXX XXXX in the month of XXXX an email XXXX XXXX asked me to email her a copy of ... I present this because XXXX XXXX acted like she would help me but instead turned on me like a pit viper ... I ask that this matter be investigated because what was done to me was horrible and wrong ... Below my signature please find details about my Security Finance loan and the call log for voice mails alone that does not include calls that I answered from creditors like this one ... What I experienced was a bloody nightmare XXXX on earth and I do not want to see others suffer the way I did ... 

Respectfully Submitted by Ms. XXXX XXXX XXXX Security Finance Co. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account number : XXXX Date of Loan : XX/XX/XXXX Original Loan Amount : {$450.00} Amount owed as of today Monday XX/XX/XXXX is : {$540.00} for account # : XXXX This amount owed reflects a payment made on XX/XX/XXXX for {$87.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation