Consumer complaint received 2022-03-23
Company: Lending Club Corp
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I made multiple attempts to pay my balance online after Lending Club failed to process payment for XXXX. After receiving communication from them that they hadn't received my payment, I made an attempt to make payment via their online system. I kept getting system errors regarding submitting the payment. Frustrated by the entire ordeal, I called their customer service line and was on hold twice before the call was disconnected. This happened again when I called back. After this occurred multiple times, I decided to try again the next day. When I attempted to call the next day, I received a message that their systems were down for maintenance and customer service was unavailable. 

I was able to log on to the online payment portal to attempt a payment but kept getting errors after errors when trying to submit it. Mind you, this was XX/XX/XXXX, and I was trying to resolve this and pay before the next due date arrived. I tried calling again on the XXXX, but still got the down for maintenance message. I went on their website again and saw where it was stated that their systems would be down for maintenance until after XXXX pm XXXX on XX/XX/XXXX. I still attempted to log in on XX/XX/XXXX to submit a payment for that day. I kept getting errors again before eventually being able to get the payment submitted. The following day, XX/XX/XXXX, was a Sunday and their offices were closed. 

I called Lending Club first thing the next day on the XXXX to talk to customer service about the payment and the issues I had with submitting it. The operator stated that he did not see the payment and that my account was delinquent and I needed to make the payment to bring my account up to current status. I explained to him that they had failed to collect my payment and that I had been trying to no avail to make the payment so that my account would be current. The operator admitted to me that they had been having issues with their payment processing system and that many customers had been complaining about the same issue. He told me to make the payment over the phone and reassured me that I could submit the dispute for the late payment through the lending club collections team and that it would be removed from my reports. I submitted the payment over the phone. 

He also told me that the payment that I attempted online would not process even though on my end it said pending. The following day, I get a notification from my bank stating that Lending Club had attempted to process the payment. So they tried to collect payment twice after it was paid and I still have a missed payment on my report after being told it would be removed due to the payment system error. I was given wrong information both times and penalized for their errors. 

I have had this loan since 2019 and I owe about {$1900.00} or so dollars on it. I am working hard to pay off the remaining balance on it early so that I can be done with them once and for all. I have always paid the balance on time and have never been 30 days past due. I want Lending Club to honor what they told me they would honor and remove the late payment off of all XXXX of my credit reports as this was no fault of my own.

Company response to consumer: Closed with explanation