Consumer complaint received 2019-07-12
Company: Lending Club Corp
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have 2 accounts with LendingClub, one acitve, the other paid off early and in full. I began experiencing problems with LendingClub and neglience with the payment processing services back in XX/XX/XXXX. LendingClub offers a 15 grace period and on XX/XX/XXXX, I called and extended my payment to XX/XX/XXXX. Due to LendingClub 's Representative 's error, my account was still debited on XX/XX/XXXX and this negatively impacted several other payments. 

To my utmost surprise and disbelief, the same issue occurred on my secondary account on XX/XX/XXXX. After calling to have the payment extended to XX/XX/XXXX, my account had an unauthorized debit from LendingClub on XX/XX/XXXX which again had a negative impact on other scheduled payments. Both times after contacting LendingClub, they apologized and acknowledged that it was Operator error on their part ; that automatic payments had not been disabled and there was a {$70.00} refund of fees received because of this. Due to LendingClub 's continued neglience in the area, I requested to have my automatic payments disabled and agreed to call in monthly to make future payments. Depending on a 30 or 31 day month, I have always contacted LendingClub by the XXXX or XXXX at the latest to schedule the previous month 's payment within the grace period timeframe. 

Today, XX/XX/XXXX, when I called to schedule my XX/XX/XXXX payment which is still within it's grace period ; I am informed that my account has been turned over to XXXX, a collection company for non-payment. I am told that my XX/XX/XXXX payment had not been received and that on XX/XX/XXXX, my account was outsourced. I am absolutely stunned and grossly object informing XXXX, the LendingClub Representative, that my payment had been scheduled on XX/XX/XXXX for XX/XX/XXXX. I was told by the Representative I spoke with on XX/XX/XXXX, that the earlies my payment could be processed was XX/XX/XXXX because of the hour that the payment was scheduled, but that it would indeed be on-time. I informed XXXX that I had received no notice of a problem with my payment from LendingClub either in writtin or verbal form. 

After a brief investigation, XXXX informs me that the payment could not be processed due to incorrect account information inputted in the system. I am currently awaiting a call review which I am told I will have no access to for verification purposes. I am 100 % confident that this is LendingClub 's Operator error once again, especially because I know that I asked to have the information verififed multiple times. XXXX informs me that there are notations about multiple call attempts where no message had been left. I requested the number that would be calling me and she was unable to provide that information stating that it would probaby be auto-dialers. I was told messages would not be left for my privacy. I responded that if I have no written communication on the matter, no verbal notices that I could respond to, and the company is using numbers that are automatically identified as spam and rejected, there is no true effort to communicate with me.

Company response to consumer: Closed with explanation