Consumer complaint received 2020-03-11
Company: Lending Club Corp
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have had an open complaint since XXXX XX/XX/XXXX which Lending Club ( LC ) refuses to respond to. They also refuse to respond to numerous written communications I have sent. 

LC has been less than forthright with information on multiple occasions. 

In the winter of XXXX, during the longest government shutdown in our nation 's history, I called to arrange for payments to be deferred. LC now reports what transpired to be very different than what in fact did. I know there are recordings of the telephone call I made which will document exactly what the representative informed me of and promised me. I was told my payments would be deferred for XXXX, XXXX and XXXX YET LC has reported my XX/XX/XXXX payment as late to the credit bureaus. 

LC now states, " We attempted to enroll you in the government shutdown hardship program. We provided details regarding the payment plan agreement in your online portal and have included a copy of the agreement with our response. As stated, monthly payments would be deferred from XX/XX/XXXX through XX/XX/XXXX as long as your account was in good standing on XX/XX/XXXX. Unfortunately, your loan was past due when the government shutdown began ; therefore, your loan was ineligible for the government shutdown hardship program. '' # 1 : LC claims that an attempt was made to enroll me in the program. An attempt was not made. An enrollment was processed. The representative even ended the telephone call telling me she was so happy she could assist as I was the first government employee she had spoken to who she had been able to enroll. 

# 2 : LC states it provided details of the payment plan agreement to the online portal. First, this did not happen. Second, I was never told it did. Third, it the attempt to enroll me failed, what payment plan was loaded to the online portal? 

# 3 : The statement " monthly payments would be deferred from XX/XX/XXXX through XX/XX/XXXX as long as your account was in good standing on XX/XX/XXXX '' is partially true. The fact of this statement is the LC representative informed me that the monthly payments would be deferred from XX/XX/XXXX through XX/XX/XXXX. Period. That is all. There was NO condition placed on that deferment. None. 

LC is now making false assertions about the context of what the telephone representative promised me and the fact that LC retroactively removed such approval without notification is deeply troubling. 

Issues have continued. LC began harrassing me for my XX/XX/XXXX payment yet I knew I had mailed it. I continually pressed LC about this. My account continued to be displayed as Past Due. 

On XXXX XXXX, my check for the XX/XX/XXXX payment cleared my bank. I immediately contacted LC who denied it was ever received an encouraged me to pay again. I provided proof that it was received and suddenly my account was updated. LC purposely did not post my payment to my account in an attempt for me to pay again via telephone. 

I have complained about this since XXXX XXXX with NO RESPONSE from LC.

Company response to consumer: Closed with explanation