Well, you could use the 3-argument version: File.createTempFile(String prefix, String suffix, File directory) which will let you put it where you’d like. Unless you tell it to, Java won’t treat it differently than any other file. The only drawback is that the filename is guaranteed to be at least 8 characters long (minimum of 3 characters for the prefix, plus 5 or more characters generated by the function).
If that’s too long for you, I suppose you could always just start with the filename “a”, and loop through “b”, “c”, etc until you find one that doesn’t already exist.