Consumer complaint received 2017-06-26
Company: SECURITY FINANCE CORP
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I recieved a letter in the mail 3 months ago and when I Opened it there was a completely legit looking check made out to me for XXXX dollars. I have never talked to this company by any means and never prequalified with them as I am not originally from this state..I honestly was broke when I recieved this check so I went to the check cashing place to see if I could cash a random piece of paper with my name on it from Maverick Finance Funny enough it got cashed. Now apparently, I am there debt XXXX for a year and never initiated this relationship in any way. Yes I 'm the dumb one to cash it but what does any poor guy do when they get a check for {$1000.00}? The is Predatory to a T. Honestly I am not good with financial decisions, so I had my address opted out before this happened. How do these people know I 'm that XXXX who will cash this? Where did they get my addres? I had been signed up for OPT out before this came..is XXXX just selling everybody 's secrets Or now if you have an impulsive personality XXXX XXXX algorithm detects this and sends this loser company a list of down and outs trying to not make stupid life decisions anymore. If this XXXX is legal that 's crazy. It is comparable to sending a junkie who has been clean for a year a little bag of XXXX in the mail. He did n't ask for that envelope to come his way, but most addicts honestly are n't throwing it away. . I need to know if this is legal for them without checking to see If I am even working or if I am even capable of paying the amount. What if I worked a min wage job? I have made a few payments and now I 'm broke every payday. I receive calls constantly and have several saved calls as they are not supposed to call me or my work. - The company name is Maverick Finance in XXXX, ID - Weird thing is I think there was a different company on the mail I received but no clue. They were not listed the same I do remember that - My Name is XXXX XXXX. I tried to pay this debt back but after thinking about how this never would of happened if not for opening some random mail ... I want to know if they really are allowed to mail me a check, then patiently wait until I, the XXXX algorithm rated XXXX cashes it? XXXX XXXX XXXX Oh yea, my phone number is a California based number, .. the first time they called the lady said she was not allowed to call California numbers but I do n't think they really give a XXXX when in comes to legality. It 's whatever and thought that was weird, I live in XXXX ID If this debt is valid and legal I will pay but I ca n't afford the monthly payment of {$130.00}. My question is how do they know my address/ my compulsive problem/ all my work info/ this is a scary form of advertising. Please let me know if I am actually obligated to pay or is this something that is not legally allowed. I know calling me is n't legal and I have all conversations Saved.

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