Date Received: 2017-06-14T00:00:00
Product: Other debt
Issue: Communication tactics
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I have had a loan with Lending Club for almost 2 years. A year ago, our income dropped substantially and paying Lending Club on time each month became difficult. I called them ( a s I called all our bill compa nies ) and attempted to see if we could do a modification. My husband and I were trying to avoid bankruptcy, and they were not willing to help at all. We were told we would have to qualify for the new loan, which obviously we would not with our income drop. We were told to keep making our payment as is. I explained then, that we would try to make it each month, but it would most likely be late. When we moved, it was from the XXXX coast to XXXX . I updated my phone number and address with them. My family and I have been living with our family here and are ” homeless ” so we have a XXXX XXXX , an d every time I call I have to explain that to them when they ask me for my personal address. We do n’t hav e one .. . My actual complaint ( aside from them just being a horrible and heartless company ) is their collections practices. They are in EXTREME violation of the Fair Debt Collection Practices Act ( FDCPA ). Their attempt to call me when my loan is past due starts at XXXX . They will continue to call all day, every hour on the hou r 3-5 times e ach day. That is harassment, plain and simple. This morning ( XXXX / XXXX / 17 ) when I called to make my payment ( as I do EVERY month ) I notified the gentleman on the phone of the harassment and that I would appreciate him to note that it is against the law to call me before XXXX . He stumbled over his words and said he would just flag my account cease and desist, as if that would prevent any calls from coming to me. This would be fine if it actually worked. Not eve n 10 minut es after this conversation I received ANOTHER collection call. I would also like to note, in the past I have blocked the Lending Club number. However, the company must change it every few months as the early morning and frequent calls continue. We are struggling to make ends meet, and understand the need to collect. However ; harassment is NOT OKAY. I have repeatedly updated my contact info, notified them of where I ‘m living, and they continue to call me before XXXX ( as early as XXXX ) and the calls come in every ho ur 3-5 ti mes a day. They change their number, so blocking them has done nothing. Complaining to them has done nothing, as they continued to call, and even flagging my account Cease and Desist did nothing as I received a call within 10 minutes of getting off the phone with them. I t ‘s unacceptable and I know I can not be the only person who is being harassed by Lending Club.
Company: LENDING CLUB CORP
State/Zip: WA 984XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: No
Did Consumer Dispute Company Response: N/A
Complaint ID: 2550116
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