Consumer complaint received 2020-12-06
Company: Lending Club Corp
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Complaint against : Lending Club XXXXXX/XX/XXXX XXXX Here is a copy of email sent on XXXX and resent again today that I believe will better explain my complaint. Its impossible to get any response from the company, maybe you can help? 

Loan # XXXX To whom it may concern, Good day, back on XXXX XXXX I established a forbearance plan for XXXX and XX/XX/2020 but that forbearance never went in affect resulting in misinformation being conveyed to me which resulted in 90day lates on credit report. 

After making two payments on XX/XX/XXXX to catch up my account for XXXX and previous month I was transferred to forbearance plan Dept so I could apply for forbearance for the months of XXXX and XXXX. My monthly cutoff is the XXXX each month, I have until XX/XX/XXXX to avoid lates on XXXX bill. 

The notes on my account will reflect : XX/XX/XXXX ( I call in to make two payment and set up forbearance for XXXX and XXXX as the last day for XXXX payment to be considered late is XX/XX/XXXX. 

XX/XX/XXXX - One of two payments didnt clear so I call in to make sure second payment of $ 300+ Is applied to my account before XXXX cutoff in order to quality for forbearance and make sure its active for XXXX. I confirm payment is cleared and ask representative to check my forbearance status, she assures me I will be ok. 

XXXX XXXX lending club debt collection calls me. I explain for 30min that Im suppose to be on forbearance plan, after rep looks around he informs me my forbearance plan is at back office but I request to talk to supervisor to confirm our arrangement but agent explains it can take 2 weeks to be applied and not to worry but he will tell supervisor to call me. No call received. 

XXXX XX/XX/XXXXish- Same exact debt collection agent called me back on automated call unexpectedly. I explain to rep he had spoke with me 10 days ago and no supervisor ever called me back. He was very understanding and disappointed as well that no one called me back. The rep now said he escalated my situation to supervisor for call back for second time but no one called me back on this second attempt. 

Every 10-14 days Im receiving debt collection calls each with new reps stating forbearance is never in affect but after 30min of me explaining the situation to them as they look up my previous call log and notes the reps are stating my forbearance plan is at back office and my situation is escalated to supervisor but once again No call back from supervisor is ever received. 


Again more debt collection calls and me calling in to the company each time I spend 30min with them to read over notes from XXXX XXXX XX/XX/XXXX ish, and so on. Some reps report this is a mistake and lending club will make any necessary correction to fix mis-reporting to my credit report for 30-60-90 days for XXXX XXXX XXXX since forbearance was established XX/XX/XXXX but never in affect. 

I recently paid off Loan # XXXX which is my second loan with company and Im respectfully asking you review my case and the notes from XX/XX/XXXX XX/XX/XXXX and so on to see if I would be eligible to have corrections to my XXXX reporting since forbearance was established but not in affect. I appreciate your time in reviewing this matter and Im only asking for accurate reporting. To recap ; XXXX XXXX make two payments, and set up forbearance with company XXXX XXXX I recheck all payments cleared and forbearance would be in affect. Customer service woman confirms payments have cleared and forbearance would be in affect. 

XXXX XXXX was first notified forbearance not in affect, but informed could take two weeks to be active and is currently at the back office. I still ask for a supervisor call back. No call back received XXXX XXXXthish Received call, again notified forbearance not in affect from same person, he remembers our conversation from last week and confirms no supervisor called me back and now sends compliant up to escalations again for a call from a supervisor, NO CALL RECEIVED. 

Each 10days Im receiving calls or calling in to check status and being told conflicting information but each time the company tries to assure me everything is ok and the forbearance team will make any necessary changes to correct my report. 

On one of my last calls they ask to make small payment to delay payment but forbearance was never in affect and because of this misinformation I have sustained 90 day lates on my report. 

Shortly after I pay off loan, this is my second paid off loan with the company and was hoping for resolution but I sent multiple emails and my account is notated with each conversation that I believe is easy to indicate there was a lack of communication and wrong information being sent to me. I understand with big companies sometimes these things can happen but If I had not been informed to not worry, its at back office, it can take up to two weeks to be active I could of made the necessary arrangements to avoid 30-60-90 day late payments which are severely affecting my credit rating and opportunity for a good job. Im a good person in a bad situation and hoping you can help me. Thank you for your time and consideration. 

XXXX XXXX XXXX XXXX XXXX XXXX Loan # XXXX

Company response to consumer: Closed with explanation