Consumer complaint received 2019-10-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lending Club Corp (SC)

My account is being reported as past due, which has completely blindsided me. I am more than an account. I am a person. I am a person now severely suffering due to what appears as incorrect record keeping. I need help. I am pleading for Lending Club to see me as a human, a mother, an individual and not a loan number. I am asking Lending Club to now act as a corporation, but to truly read what I have provided to see the clear miscommunication on the status of my account. My loan was issued on XX/XX/XXXX. At the start of my loan, payments were due on the fifth of each month starting XX/XX/XXXX. I made my first payment on XX/XX/XXXX. In XX/XX/XXXX, I opted for the one-time payment date change and my payments changed to the XXXX of each month. I paid on XX/XX/XXXX. I paid the XX/XX/XXXX payment on XX/XX/XXXX. I paid the XX/XX/XXXX payment on XX/XX/XXXX, which was within the 15-day grace period. I paid the XX/XX/XXXX payment on XX/XX/XXXX, which was within the 15-day grace period. I paid the XX/XX/XXXX payment on XX/XX/XXXX, which was within the 15-day grace period. I paid the XXXX XX/XX/XXXX payment on XX/XX/XXXX.I paid the XX/XX/XXXX payment on XX/XX/XXXX, which was within the 15-day grace period. Despite me paying it on XX/XX/XXXX, within the grace period, Lending Club did not post it to my account until XX/XX/XXXX. I did not discover this until digging into this issue.I paid the XX/XX/XXXX payment on XX/XX/XXXX, which was within the 15-day grace period. Lending Club NEVER gave me credit for this payment. My account shows it as Processing when it was clearly received! The posting date on my Lending Club account is XX/XX/XXXX despite the payment being made on XX/XX/XXXX yet it still shows PROCESSING. I paid the XX/XX/XXXX payment in two parts on XX/XX/XXXX and on XX/XX/XXXX, within grace period. Again, the dates Lending Club posted to my account are not correct as they show as XX/XX/XXXX rather than XX/XX/XXXX and XX/XX/XXXX rather than XX/XX/XXXX.I paid the XX/XX/XXXX payment on XX/XX/XXXX. I paid {$130.00} to include the {$15.00} late fee. I paid the XX/XX/XXXX payment on XX/XX/XXXX. I paid {$130.00} to include the {$15.00} late fee. The XX/XX/XXXX payment was late. I fully accept this. My 25-year marriage fell apart. We separated. My son was devastated, I was blindsided. The financial impacts of the separation and the emotional stress and strain are not something words can adequately describe. My life fell apart, so yes ; I missed the XX/XX/XXXX payment. I called in and spoke to  someone who said they would waive past late fees so that I only had to pay {$110.00}. I immediately sent a check for {$110.00}. I would not have paid that odd amount had a Lending Club representative not told me to. That payment was made on XX/XX/XXXX, so my XX/XX/XXXX payment was 42 days late. I fully accept this. My account history, however, shows this payment was never made. This is completely false. In XX/XX/XXXX, the longest XXXX XXXX in the United States history happened. I am a XXXX XXXX  employee as is my spouse. We were separated during this time so already had that turmoil. Now we had no pay. Both incomes gone. I immediately mailed Lending Club my XXXX paperwork and called. I DISTINCTLY remember the conversation as the representative said I was her first XXXX  XXXX   employee to call in. The rep stated she would make the deferment from the XX/XX/XXXX payment through XX/XX/XXXX to allow me time to recover from the XXXX. Because she made the deferment through XX/XX/XXXX, my first payment after the XXXX was not due until XX/XX/XXXX!  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were deferred. DESPITE my doing EVERYTHING correctly, however, Lending Club reported my XX/XX/XXXX and XX/XX/XXXX payments as LATE! As soon as my pay was straightened out after, the XXXX ended and the XXXX decided to back pay us, I wanted to get back on track. I decided to make my XX/XX/XXXX payment early and did so on XX/XX/XXXX. I even paid more than what was due. Again, I thought I was doing something good, something responsible by paying earlier than needing to as a way to show Lending Club that I was back on track. For some reason, however, Lending Club applied that payment to my DEFERRED XX/XX/XXXX payment. Again, I had no idea Lending Club had done this. Despite my payment being made on XX/XX/XXXX,  my Lending Club account history shows - in the Posting Date field. It even shows that it was paid in the grace period when it was paid early, as it was the XX/XX/XXXX payment! Again, thinking I had PAID the XX/XX/XXXX payment early, I thought my next payment was XX/XX/XXXX. Lending Club reported my XX/XX/XXXX payment as not received despite receiving it on XX/XX/XXXX! I paid the XX/XX/XXXX payment on XX/XX/XXXX. Again, I paid it early to show Lending Club that I was back on track. Despite my paying it early, Lending Club did not post it to my account until XX/XX/XXXX. In keeping with my showing Lending Club that I was back on track, I paid the XX/XX/XXXX payment on XX/XX/XXXX. Lending Club posted this to my account on XX/XX/XXXX AND posted it to my XX/XX/XXXX payment. I paid my XX/XX/XXXX payment on XX/XX/XXXX.  Once again, Lending Club inaccurately posted it to my account history as the XX/XX/XXXX payment. I paid the XX/XX/XXXX payment on XX/XX/XXXX.  Once again, Lending Club inaccurately posted it to my account history as the XX/XX/XXXX payment. Additionally, at this point, I have paid on time for XX/XX/XXXX and XX/XX/XXXX yet paid more than the {$110.00} due for each due to Lending Clubs inaccurate record keeping. To show Lending Club I am a solid customer, I simply paid the {$130.00} each time paying {$15.00} more on each. I was being charged a late payment when I was not late! I paid the XX/XX/XXXX payment on XX/XX/XXXX.  Again, Lending Club did not apply it to the correct payment. Lending Club applied it to the already paid XX/XX/XXXX payment AND then reported my XX/XX/XXXX payment as NOT RECEIVED. Again, although I only owed {$110.00}, I paid what the payment rep told me to pay when I called in and paid {$130.00}. Another {$15.00} late fee I should not have paid. I have now paid {$45.00} in late fees for payments which were not late. I paid the XX/XX/XXXX payment on XX/XX/XXXX. Again, Lending Club made an error in reporting it on my account history. Despite my paying {$130.00} when {$110.00} was all that was due, Lending Club reported it as a Partial Payment. Lending Club also annotated the posting date as - when it posted on XX/XX/XXXX.Yesterday, XX/XX/XXXX, I called Lending Club and asked what I owe. The telephone representative stated I owed {$110.00}. I paid that. I paid on time and was not charged a late fee. Finally, it seems that Lending Clubs record keeping is up to date. The representative told me the payment would have to be scheduled for today, XX/XX/XXXX. I said that was fine as it was still before the XX/XX/XXXX due date. My Lending Club history clearly shows that payment as scheduled. I also received an email confirming the scheduled payment.The representative yesterday also informed me my account was marked as Do Not Contact. I never requested such a thing. Never.I am baffled as to why Lending Club is stating I am now 30 days past due for XX/XX/XXXX and 60 days for XX/XX/XXXX. It is XX/XX/XXXX. It is not even 30 days past my XX/XX/XXXX due date and certainly not 60 days past my XX/XX/XXXX due date. As I have proven, I have paid on time EXCEPT for XX/XX/XXXX. Lending Club is also erroneously reporting that my XX/XX/XXXX payment was late. This is also inaccurate.At this time, I have had payments 21 due ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were deferred ). Each payment was for {$110.00}. I should have paid {$2400.00} to date yet have paid {$2500.00}. I have paid late three times so should have paid {$45.00} in late fees. I have paid {$90.00}.