I've have a loan with Lending Club, going on a year now. The loan is in good standing. I've never been late. The interest rates are the roof however considering my circumstance at the time of acquiring this loan they were tolerable. Unfortunately, here recently I made a payment arrangement that turned into a nightmare. I called on Oct the 28th to schedule my payment to come out of my next check on 11/15 and received a confirmation as this date was well within my grace period and allowed. On yesterday Lending Club took the payment causing other transactions of which needed to be paid by today to bounce back. Such an embarrassment with my bank and could possibly damage my payment history as this caused overdraft on my account and declined 2 payments. I've spoke with Lending Club and they were able to reverse payment however my inconvenience come in at I made the arrangement so that other bills could be paid timely and now they aren't and by the time Lending Club reverse this error. They'll be going back in to take it again. Ultimately this has caused a domino affect in my bills of which would not have happened if the rep. would have processed my request correctly. If the shoe were on the other foot I would've been receiving notice from Equifax which may still happen.