Consumer complaint received 2022-08-18
Company: SECURITY FINANCE CORP
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Professional Financial Services is in violation of the Dodds Frank Act UDAAP section 1031 and 1036 The False Claim Act 31 U.SC 3729-3733 violation of the The Fair Credit Reporting Act Section 5 of The Federal Trade Commission 15 U.S.C 45 violation of the Truth In Lending Act and The Fair Debt Collections Act A freedom of request was sent to Professional Financial Services on XX/XX/2022 certified mail return receipt and I also sent a Cease and Desist letter requesting they cease and desist all communication and harassment of taking my property until they validate the the debt provide the original creditor and I also filed a complaint with the consumer financial protection bureau Its been past 30 days they have failed to produce the freedom of information request and failed to produce an affidavit certifying that they affirm activities with my account or the right to enforce the debt were within the bounds of state, federal, contractual, and commercial statutory obligations and oath of records that they are bound to provide by failing to provide such certification the fiduciary Professional Financial Services all agents have shown bad faith and dishonor and also default in their lawful duty of record to legally verify the alleged claim as required by law and as stated specifically in their oaths of office which obligate them to follow the laws mentioned within those oaths and applicable laws Professional Financial Services failed to produce my original signature in respect to the alleged claim/contract failed to state for the record who the alleged original claimant was based on preceding law failed to certify from my conditional acceptance my signature did not pay of loan in closing failed to provide an affidavit certifying that as fiduciary for the institution they did not breach any federal, state, contractual, commercial or official oath in carrying out the alleged contract/claim. Alleged Claimant failed to certify that they did not unlawfully without my consent use my signature to provide to gain assests from a third party then unlawfully made a claim against me and they failed to substantiate for the record they did not commit any action that would preclude that they used my identity in a fraudulent or illegal manner or converted my true identity into a fictitious identity in collusion with a third party or additional parties.Alleged Claimant was and is by law to provide this information upon request pursuant to FOIA U.S.C 5 section 552 and failed to they have received all 4 of my letters 3 affidavits and still failed to respond they repossessed my vehicle without validation of the debt pursuant to 15 U.S.C 1692 ( g ) 15 U.S.C 1692 e 15 U.S.C 1692 ( c ) this company dishonor and bad faith has caused me to loss my job And has caused me to suffer severe humiliation and embarrassment emotional distress and physical discomfort they continued to report this Alleged claim on my credit file violation of the Fair credit Reporting Act they have deprived me of my liberty and pursuit of happiness without the due process of law with their Unfair and abusive practices they violated the Truth In Lending Act they failed to clearly and conspicuously disclose my right of recession and the finance charge I have my contract to show the fraud they have committed I mailed my right of recession affidavit on XX/XX/2022 certified mail return receipt they failed to rebuttals and still have not responded to do equity it must be done with clean every contract or duty within the Uniform commercial Code must be done in good faith in its performance and enforcement UCC-1-304.This contract was made under duress lack of legal capacity Ucc-3-305and this company have failed to certify they had a right to enforce the debt or repossess my vehicle I have exercised my right of recession they have failed to respond I have giving them over 30 days to settle this matter they have failed to respond. This contract is fraudulent in violation of the false claims act defrauding the government because my social security and all obligations of indebtedness is to The United States 18 U.S.C 8 they failed to certify my signature or my negotiable instrument was not a tender of payment UCC-3-303.

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