Consumer complaint received 2022-01-21
Company: Lending Club Corp
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
-In XXXX, I called lending club to request a payout for XXXX to pay the balance under a new loan -Payout was sent out to Lending Club and received and processed the following day -I have had 1 other loan with lending club and paid the loan out the exact same way, I was curious as to why the loan had not reported as closed and called. 
XXXX XXXX, I called Lending Club to find out why the account was not closed. 
XXXX could not tell me how I still had a balance and I requested a detailed invoice showing how I owed the money- Stated he would email me an invoice- Never arrived XXXXAgent stated that he wasnt sure how or if I owed the payment XXXXAttempted to make payment that day but received an error message- confirmed through their action tracking XXXXNo invoice ever came and I called back and the agent explained why I still owed the 180.00 XXXXAttempted to make payment while agent was on the phone- still got error message. 
XXXXAgent put in a work order to clear the error and I made payment that day- COnfirmed by supervisor during follow up call that work order cleared error in amount owed and ability to pay XXXXAgent stated that this has not been reported to the credit bureau- Recorded line Late XXXX XXXXGot a notice from my credit watch service of derogatory information. 
LATE XXXX XXXXContacted Lending club on XXXX different occasions having them look at it. Lending club sent a retaliatory update to credit reporting agencies changing 30 days late to 60 days late -Though there were computer errors, agent errors, no contact from Lending Club stating I had a balance... I was informed that since they provided the correct payoff amount that any other errors by them would not have occurred making me solely responsible for the late payment. 
- I am a XXXX XXXX XXXXXXXX XXXX in the XXXX. I have not made a late payment to anyone in over 20 years. Credit and non payment has ramifications to my security clearance and I take my credit seriously. I am within 3 months of retirement and this has put a hold on purchasing a home, purchasing land for non profit use to intriduce underpriveleged and inner city youth to the outdoors. I contacted an attorney and the best that they could come up with is the hard line and follow up retalitory update must have had some bias or prejudice of some form or another from a supervisor/ supervisors and could not understand why Lendingclub took this approach with me after acknowledgeing agent error, system error in not contacting me, system error in my not being able to pay over the phone or via the web and the only action that they maintain that they did properly was to give the proper payout. In my last call to them, the payout was 18 dollars in my favor due to the payment being transferred to them the day after the payout quote was made. No attempt was made to provide the 18 dollars back to me and the last supervisor that I spoke with stated that they would not forward it to their consumer finance division as they had already sent it twice.

Company response to consumer: Closed with explanation