I've noticed another bug that may be underpaying swap payments...  I had two pieces of credit taken over night, but the two notice emails had different interest rates.  One was listed at the daily rate, the other at the yearly rate.  The inconsistency (which I've seen before) makes me concerned that interest is not being correctly calculated on the back end if there are two different versions of the code in production (notice the timezones are different indicating these messages were generated by different app servers).   Unfortunately, there's no easy way I can't calculate if the swap payments are correct because the "notify when offer is taken" for autorenew doesn't seem to work so not all transactions are being logged in my email - and of course there's no swap history on the website.

Example #1...
Your credit #396599 has been closed at: January 13, 2014 - 04:26:20 AM GMT.
Details:
Currency:   USD
Rate:   0.4449%
Open on:   Jan 13 04:26 AM
Amount:   532.0

Example #2...
Your credit #392658 has been closed at: January 12, 2014 - 12:54:13 AM UTC.
Details:
Currency:   USD
Rate:   218.6%
Open on:   Jan 12 12:54 AM
Amount:   1000.0