Complaints

This profile includes complaints for LendingClub Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  LendingClub Corporation

  595 Market St # 200 San Francisco, CA 94105-2802

  
• 

  Lending Club

  P.O. Box 1309 Coppell, TX 75019

• 

  LendingClub Corporation

  1 Harbor St Boston, MA 02210-2359

• 

  Lending Club

  7550 Corporate Way Eden Prairie, MN 55344-2045

• 

  LendingClub Corporation

  PO Box 56480 Portland, OR 97238-6480

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/08/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:Company Name: ***************** Account #:********* Balance:$0.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

  

  Business Response

  Date: 07/09/2025

  Thank you for giving LendingClub Bank, N.A.("LendingClub") the opportunity to respond to ***** **** Tans Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  

  LendingClub previously addressed ***** Tans complaints on March 21, 2025, May 8, 2025, and June 10, 2025. On June 10, 2025, ***** *** was notified that an update was sent to the credit bureaus and to please allow forty-five (45) days or more to process the new information to their credit report.
  

  LendingClub has nothing further to provide at this time.  
  

  If ***** *** has further questions about this complaint,please have them contact LendingClub directly by email at ******************************************* or leave a message at ************.

• Initial Complaint

  Date:07/08/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

  

  Business Response

  Date: 07/09/2025

  Thank you for giving LendingClub Bank, N.A.("LendingClub") the opportunity to respond to ***** ****** Hendersons Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  

  LendingClub previously addressed ***** Hendersons complaint on June 13, 2025. On that same day, ***** ********* was notified that an update was sent to the credit bureaus and to please allow forty-five (45) days or more to process the new information to their credit report.
  

  LendingClub has nothing further to provide at this time.
  

  If ***** ********* has further questions about this complaint, please have them contact LendingClub directly by email at ******************************************* or leave a message at ************.

• Initial Complaint

  Date:07/05/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im filing this complaint because Ive been dealing with an ongoing issue regarding a closed account with ********************** thats showing up negatively on my credit report.The account is marked as charged off with a past-due balance of $3,167, but the information reported to the credit bureaus is inconsistent. One report shows a different last activity date, another shows a different high balance, and the overall reporting seems inaccurate and confusing. Ive already tried disputing it through the credit bureaus, but nothing has been corrected or *********** this point, Im asking that LendingClub delete this account from my credit report. The way its showing up now is doing more harm than good, especially as Ive worked hard to rebuild my credit. I understand mistakes can happen, but all I want is for my report to reflect information thats fair, consistent, and verifiable and right now, this account doesnt meet that standard.I would really appreciate LendingClubs help in doing the right thing by removing this account.

  

  Business Response

  Date: 07/10/2025

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ****** ***** Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  
  LendingClub provides applicants with important documents prior to loan consummation. These documents include the Borrower Agreement and Truth-In Lending (TIL) disclosure.The TIL disclosure includes important information about the loan, including the Annual Percentage Rate (APR) and origination fee. LendingClub requires that applicants review the TIL and accept the Borrower Agreement before submitting an application. Our records indicate Jepaul **** reviewed the TIL and accepted the Borrower Agreement on June 29, 2021. To view the TIL disclosure and other important documentation, please have them sign into their LendingClub account online at **************************.
  
  LendingClub records confirm that Jepaul **** received a personal loan that originated on July 2, 2021. Contractual monthly payments were received on time on the loan from August 2021 to February 2023.
  
  It is the responsibility of the member to monitor their account, payments, and information. If a contractual monthly payment is not received by the contractual due date and becomes past due, LendingClub will attempt to reach the member whose account might be at risk of being negatively impacted or reported. We give all borrowers a 15-day ***** period to make payments with no penalty. Interest will continue to accrue on the loan daily and if payment is delayed, there may be additional interest accrued on the loan. If a payment is not received within 15 days of the contractual due date,a late fee may be applied. If a payment is not received within 30 days of the contractual due date, the account may be turned over to a professional collection agency and negative information may be furnished on their credit report. LendingClub must follow our charge-off policy if the loan becomes more than 120 days past due. The loan was charged off on July 17, 2023.
  
  LendingClub is required to report all account experiencespositive and negativeto one or more of the credit bureaus. Late payments, missed payments, or other defaults on their account may be reflected in their credit report, as well as a record of on-time payments. Charge-offs result in a negative **** on their credit report. Whether they've paid off the balance, settled it, or the loan is sold, the charge-off status will stay on their credit report up to seven years. To remain fair and impartial to all borrowers, we are unable to make modifications or exceptions to our credit bureau reporting policy.
  
  Upon acknowledgment and acceptance of the loan terms, a borrower consents and agrees to LendingClubs credit reporting policy. LendingClub complies with all applicable federal and state privacy and data protection laws and regulations and ensures that all reporting of account information is consistent with the Fair Credit Reporting Act (FCRA). In accordance with the FCRA,LendingClub provided a thorough investigation of their account, and it was confirmed that all account information has been accurately reported.
  
  A fraud investigation was opened on July 16, 2024 when LendingClub received a fraud claim through the credit bureaus. The investigation was closed on July 17, 2024 and the fraud claim was declined due to Jepaul **** having received benefit of funds. They were notified of this determination by mail. 
  
  We appreciate Jepaul **** as a valued member of LendingClub and thank you for the chance to respond to their complaint. If Jepaul **** has further questions about this complaint, please have them contact LendingClub directly by email at ******************************************* or leave a message at ************. LendingClub will respond via email to address concerns.
  

• Initial Complaint

  Date:07/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:Company Name: LENDCLUB BNK Account #: *********Balance:$0.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

  

  Business Response

  Date: 07/10/2025

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ****** ******* ***s Better Business Bureau (BBB) complaint dated July 3, 2025. LendingClub strives to provide the very best service to our customers and appreciates their feedback.

  When LendingClub receives an application request, we provide applicants with important documents prior to loan consummation. These documents include the Borrower Agreement and Truth-In Lending (TIL) disclosure.The TIL disclosure includes important information about their loan, including the Annual Percentage Rate (APR) and origination fee. LendingClub requires that applicants review the TIL and accept the Borrower Agreement before submitting an application. Our records indicate ****** ******* *** reviewed the TIL and accepted the Borrower Agreement on June ******. To view the TIL disclosure and other important documentation, please have them sign into their LendingClub account online at **************************.
  

  LendingClub records reports that ****** ******* ***s personal loan originated on June 10, 2022. Contractual monthly payments were received on the loan from July 2022 to October 2022.
  

  We give all borrowers a 15-day ***** period to make payments with no penalty. Interest will continue to accrue on the loan daily and if payment is delayed, there may be additional interest accrued on the loan. If a payment is not received within 30 days of the contractual due date, the account may be turned over to a professional collection agency and negative information may be furnished on their credit report. LendingClub must follow our charge-off policy if the loan becomes more than 120 days past due. Due to non-payment and delinquency, their loan was charged off on March 30, ******* accordance with our policy, ****** ******* ***s loan was sold to ************************ on May 31, 2024.

  As their loan has been sold, any request for validation should be directed to the debt buyer. If they have additional questions regarding their accounts, please contact ********************, LLC at ************.
  

  Upon acknowledgment and acceptance of the loan terms, a borrower consents and agrees to LendingClubs credit reporting policy. LendingClub reports all account experiencespositive and negativeto one or more of the credit bureaus. Late payments, missed payments, or other defaults on their account may be reflected in their credit report, as well as a record of on-time payments. Charge-offs result in a negative **** on their credit report. Whether they have paid off the balance, settled it, or the loan is sold, the charge-off status will stay on their credit report for up to seven years. In accordance with the ***** LendingClub provided a thorough investigation of their account, and it was confirmed that not all credit bureaus were reporting their account information. Therefore, an update was sent to the credit bureaus to report their account information to all credit bureaus.Please allow up to sixty (60) days for the credit bureaus to process the new information to their report.  
  

  LendingClub complies with all applicable federal and state privacy and data protection laws and regulations. In these laws and regulations, there are a number of exceptions where consumers have no right to opt out of non-personal information disclosures. Examples of appropriate information disclosures under this exception include those made to a purchaser of a portfolio of consumer loans,and a consumer reporting agency, consistent with the Fair Credit Reporting Act.They may view LendingClubs Privacy Policy at **************************.
  

  A fraud investigation was opened on April 22, 2025, when LendingClub received a fraud claim through the credit bureaus. The investigation was closed on this same day, and the fraud claim was declined due to ****** ******* *** having received benefit of funds. They were notified of this determination by mail.
  

  We appreciate the chance to respond to ****** ******* ***s complaint. If they have further questions about this complaint, please have them contact us by email at ******************************************* or leave a message at ************.  

• Initial Complaint

  Date:07/02/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 6-30 LendingClub(LC) sent letter that LC closed my account. That LC were going to send check to address of record. That address, I believe is wrong. I attempted to enter my account and check what is on file. The 2nd step verification number was to my old business phone. I attempted many ways to contact LC and every step ended with a computer that had no options or people that were clueless on what to do. I sent emails to ******************************************** Received acknowledgement but with disclaimer that I may have to wait due to large number of contacts. I waited, but no contact from LC and now I worry about a check being sent to someone other than me and cashed. Help!! My cell is number ************. My email *************** I have been associated with you for over 10 years and planned to load RMWD to loan in retirement.

  

  Business Response

  Date: 07/10/2025

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ******* ******* Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  
  LendingClub records indicate that ******* ******* spoke with one of our agents on July 1, 2025,where our agent confirmed that there were no remaining funds in their investor account.An email informing ******* ******* of the balance was sent via Kiteworks on July 3, 2025. We recommend they check the email address provided to us. Our records report that a final withdrawal of their funds was completed by ******* ******* on January 9, 2024.
  
  If ******* ******* would like to discuss their account further, please have them contact us via email at *********************************************************************.
  
  We appreciate the opportunity to respond to ******* ******* complaint. If ******* ******* has further questions about this complaint, please have them contact LendingClub directly by email at ******************************************* or leave a message at ************. LendingClub will respond via email to address concerns.
  

• Initial Complaint

  Date:07/01/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:Company Name: LENDING CLUB CORPAccount #: ********* Balance: $9,758.00Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

  

  Business Response

  Date: 07/10/2025

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ****** Valenzuelas Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  
  LendingClub previously addressed this complaint on December 21, 2024.
  
  LendingClub provides applicants with important documents prior to loan consummation. These documents include the Borrower Agreement and Truth-In Lending (TIL) disclosure.The TIL disclosure includes important information about the loan, including the Annual Percentage Rate (APR) and origination fee. LendingClub requires that applicants review the TIL and accept the Borrower Agreement before submitting an application. Our records indicate ****** ********** reviewed the TIL and accepted the Borrower Agreement on August 18, 2021. To view the TIL disclosure and other important documentation, please have them sign into their LendingClub account online at **************************.
  
  LendingClub records indicate that ****** ********** received a balance transfer loan on August 19, 2021. Contractual monthly payments were received on the loan from September 2021 to June 2022. Thereafter, the loan became delinquent.
  
  It is the responsibility of the member to monitor their account, payments, and information. If a contractual monthly payment is not received by the contractual due date and becomes past due, LendingClub will attempt to reach the member whose account might be at risk of being negatively impacted or reported. We give all borrowers a 15-day ***** period to make payments with no penalty. Interest will continue to accrue on the loan daily and if a payment is delayed, there may be additional interest accrued on the loan. If a payment is not received within 15 days of the contractual due date, a late fee may be applied. If a payment is not received within 30 days of the contractual due date, the account may be turned over to a professional collection agency and negative information may be furnished on their credit report. LendingClub must follow our charge off policy if the loan becomes more than 120 days past due. Due to non-payment and account delinquency, the loan was charged off on December 15, 2022.
  
  LendingClub is required to report all account experiencespositive and negativeto one or more of the credit bureaus. Late payments, missed payments, or other defaults on their account may be reflected in their credit report,as well as a record of on-time payments. Charge-offs result in a negative **** on their credit report. Whether they've paid off the balance, settled it, or the loan is sold, the charge-off status will stay on their credit report up to seven years. To remain fair and impartial to all borrowers, we are unable to make modifications or exceptions to our credit bureau reporting policy.
  
  Upon acknowledgment and acceptance of the loan terms, a borrower consents and agrees to LendingClubs credit reporting policy. LendingClub complies with all applicable federal and state privacy and data protection laws and regulations and ensures that all reporting of account information is consistent with the Fair Credit Reporting Act (FCRA). In accordance with the FCRA,LendingClub provided a thorough investigation of their account, and it was confirmed that an update was required. An update was sent to the credit bureaus to reflect the account as charged off. Please allow forty-five (45) days or more for the credit bureaus to process the new information to their report.
  
  A fraud investigation was opened on June 24, 2024, when LendingClub received a fraud claim through the credit bureaus. The investigation was closed on June 26, 2024, and the fraud claim was declined due to ****** ********** having received benefit of funds. They were notified of this determination by mail. 
  
  We appreciate the opportunity to respond to ****** ********** complaint. If ****** ********** has further questions about this complaint, please have them contact LendingClub directly by email at ******************************************* or leave a message at ************ Monday-Friday 7a.m. to 4p.m. Pacific Time.
  

• Initial Complaint

  Date:07/01/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

  

  Business Response

  Date: 07/07/2025

  Thank you for giving LendingClub Bank, N.A. ("LendingClub") the opportunity to respond to Zayquan **** ******* Better Business Bureau (BBB) complaint.LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  
  LendingClub previously addressed this complaint on June 3, 2025 and has nothing further to provide at this time. If Zayquan **** ****** has further questions about this complaint, please have them contact LendingClub directly by email at ******************************************* or leave a message at ************ Monday-Friday. LendingClub will promptly respond via email to address concerns.
  

• Initial Complaint

  Date:06/27/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello,I opened a savings account online with lending club.I deposited a check for $12500.The check and everything. After the check was cleared I submitted a transfer request for $2500 and received this.Hi Lucie,We are contacting you regarding your recently submitted ACH transfer. We noticed some recent activity on your account that warranted further ********* assist in our review, please reply to this email with the following documents (as PDF attachments): Valid Identification (non-expired U.S State ID, U.S Driver's License, Passport). Proof of your current address on file with us (dated within the last 90 days and in your name) A few examples: ****************** Water, **************** Phone, etc.), Property Tax Bill, Auto (vehicle) Registration, Bank Statement. Please note, your valid identification (#1) cannot be used as proof of your current address. Provide supporting documentation for why the following check(s) was issued to you: Mobile check deposit(s) reference# ********* check# ******* and amount $12500 For the security of your account and to protect your funds, if we do not receive a response by the cut off times (3:00 pm ET for an ACH transfer; 4:00 pm ET for a wire transfer; 5:00 pm ET for an ACH transfer related to your CD account), the transfer(s) will be cancelled, and both your account and online banking access will be temporarily suspended.Once we receive all requested documents, we will provide an update within 2 business days. Keeping your account secure is our top priority and we have taken these steps for your protection. If you have any questions, please reach out to **************** at **************.After providing everything they closed my account no they wont even give me any information of when I will receive my money I mustve talked to like 10 people. I called ********************************************************************************************************************************** any information .

  

  Business Response

  Date: 07/07/2025

  Thank you for giving LendingClub Bank, N.A. (LendingClub)the opportunity to respond to Lucie ******* Better Business Bureau (BBB) complaint.LendingClub strives to provide the very best service and appreciates their feedback.
  
  One of LendingClubs objectives is to protect our members when we see activity that may pose a risk to their funds. We are obligated to take necessary action when such risk arises. On June 24, 2025, LendingClub identified activity that warranted further review. In furtherance of our review, LendingClub informed ***** ****** we would require documentation to confirm recent account activity, along with an image of a form of identification. Pending completion of our review, Lucie ******* account was restricted on the same date. 
  

  ***** ****** honored LendingClubs request for documentation on June 25, 2025, and we appreciate their willingness to provide the requested documents. After careful review of the submitted materials, LendingClubs review of Lucie ******* account concluded on June 27, 2025 with the decision to close their account.
  

  All banks are required to periodically evaluate their products, services and customers.  Based on each banks evaluated risk, they may choose to discontinue certain products, services and in some cases customer relationships. We apologize for any inconvenience ***** ****** may have experienced as a result of our review. 
  
  We appreciate the opportunity the BBB provided us to respond to Lucie ******* complaint. If either the BBB or ***** ****** have any additional questions regarding this complaint, please contact us by email at ******************************************* or by phone at ************ Monday - Saturday 8:00 a.m. to 8:00 p.m. Eastern Time.
  

  
  

  Customer Answer

  Date: 07/08/2025

   
  Complaint: 23529942

  
  Hi there,

  All this is saying is they apologize. I am still out of $12,500 which is the money I deposited. They have not given me my money. Please help, its my entire life savings.

  
  Sincerely,
  
  ***** ******

  Customer Answer

  Date: 07/11/2025

  Hello,

  
  

  I called ************ for an update. They are refusing to give me information. I asked to speak with a supervisor, they refused to provide me one, Then the girl said that my fund will be transferred to Delaware?  I don't know what's going on, I just want my $12500 back. 

  
  

  

  Business Response

  Date: 07/14/2025

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to Lucie ******* Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service and appreciates their feedback.
  
  LendingClub previously addressed this complaint on July 7, 2025, is following all state and federal regulations, and has nothing further to provide at this time.
  
  We appreciate the opportunity the BBB provided us to respond to Lucie ******* complaint. If either the BBB or ***** ****** have any additional questions regarding this complaint, please contact us by email at ******************************************* or by phone at ************ Monday - Saturday 8:00 a.m. to 8:00 p.m. Eastern Time.
  
  

  Customer Answer

  Date: 07/15/2025

   
  Complaint: 23529942
  
  I am rejecting this response because: They cannot confiscate my money. Where is my money? what is the federal regulation? Does that rule gives you the right to keep my money? WHERE IS MY $12500? 
  
  Sincerely,
  
  ***** ******

• Initial Complaint

  Date:06/25/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  A few days ago, i signed onto ************ to apply for a personal loan. I had done so in the past, without issue and it went so well that I thought i should use them again. Unfortunately, things have changed drastically and not for the better. I was contacted via text and email ***eatedly asking for more and more verification, which I sent in. Then my verification documents were rejected and I was told to call in. I did and the ***resentative that I spoke with spoke english very well but unfortunately did not comprehend it so we had a massive language barrier. I asked to be transferred to a supervisor and was put on hold for an extended amount of time before the same *** came back on the line and continued on as if I had not asked for a supervisor. She then told me that she had corrected the issue and she ended the call. I began receiving notifications again for the same issue. I tried to speak to someone via chat. She did not comprehend either and insisted that Social Security does not handle disability payments. I asked to have my application modified and she ***eatedly messaged me about not responding to her even though I was responding and she ended the chat. Finally, I called the toll free number to cancel the application and the automated system would not let me cancel but just looped and asked for income verification. I have verified my income with my disability award letter. I cannot move forward because they do not understand that disability is awarded by the ******************************, and I cannot cancel. I cannot plead my case because they have outsourced to non english comprehending ***s for their english speaking customers, the automated system does not work properly. I have used ************ in the past without any trouble but this is ridiculous. It proves that they do not value, respect or care about their customers at all.

  

  Business Response

  Date: 06/27/2025

  Thank you for giving LendingClub
  Bank, N.A. (“LendingClub”) the opportunity to respond to Dominique Hastings’ Better
  Business Bureau (BBB) complaint. LendingClub strives to provide the very best
  service to our customers and appreciates their feedback.
  
  LendingClub
  records confirm that Dominique Hastings submitted their loan application on June
  21, 2025.
  
  LendingClub's
  application review looks at several factors, including:
  
  •     Information
  from the application
  •     Information
  about the applicant from credit bureaus
  •     Their
  credit score
  •     Other
  information that predicts the likelihood that they'll make on-time payments
  until their
         loan
  is fully repaid
  
  Under
  normal circumstances, LendingClub’s application approval process is fast—most
  members are approved within a few hours. The exact turnaround time borrowers
  see for application decisioning will depend on the application details and
  information submitted. Once you submit your application, we start confirming
  the information you entered about your identity, employment, and income.
  Depending on the information received in your application and if any additional
  verification is required, it can take up to thirty (30) days for LendingClub to
  make a determination on an application.
  
  Lending
  Club has strong identity verification and authentication mechanisms to ensure
  that an application is valid and to avoid the risk of identity theft. Our
  application process is completed online; therefore, we often look to verify
  identity via a phone conversation during which we ask several personal
  questions that only the individual applicant would know. The aim is to protect
  our borrowers from security infringements. Our records confirm that the
  application is pending the phone confirmation and receipt of the requested
  documentation.
  
  When
  no action is taken on a loan application within the appropriate amount of time,
  the loan application will expire within 29 days with no negative impact.
  LendingClub will email an adverse action notification regarding the incomplete
  application.
  
  If
  Dominique Hastings would like to proceed with the withdrawal mentioned on June
  25, 2025, or to continue the application, please have them contact us via phone
  at 888-596-3157, Monday to Friday from 5a.m. to 5p.m., and Saturday from 8a.m.
  to 5p.m. Pacific Time.
  
  We
  appreciate Dominique
  Hastings as a valued member of LendingClub and thank you for the chance to
  respond to their complaint. If Dominique
  Hastings has further questions about this complaint, please have them contact
  LendingClub directly by email at [email protected] or leave a
  message at 415-767-4512 Monday-Friday 7a.m. to 4p.m. Pacific Time. LendingClub
  will promptly respond via email to address concerns.
  
  

• Initial Complaint

  Date:06/25/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I took out a loan through ************ in August 2024 and have consistently made all my payments ahead of schedule. However, in March 2025, they contacted me to inform me that my online payments were only being applied toward the principal, and they indicated that adjustments would be made.When I reviewed my account, I noticed that two payments had been deducted and not reapplied. I've called customer service four times to explain my issue, but it remains unresolved. Now my account shows that I have a full payment due on July 9, 2025, when I've already made that payment in June of 2025.

  

  Business Response

  Date: 07/03/2025

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ******* Malaterres Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  
  LendingClub offers borrowers several options for making their monthly payments. Payments can be automatically deducted from a verified bank account, checks can be sent,borrowers can authorize one-time ACH payments by phone or a payment can be authorized using PayNearMe. Please note that depending on the type of payment,any payment made prior to 3:00pm PST will be posted same day; any payment processed after that time will not be received until the following business day.  
  
  When using the member center for scheduling a payment, we ask members to ensure they are choosing the option to have their payment go towards their monthly payment and not schedule a payment as a principal only payment. LendingClub records indicate that a payment in the amount of $275.00 was scheduled on February *******, and March 6, 2025, as a principal only payment. As a result, the system displayed the monthly payment still being owed.
  
  A request to reverse and reapply the payments was received on March 24, 2025. Our records indicate that as of July 3, 2025, all payments have been applied to ******* Malaterres monthly payments. Additionally, the payment scheduled on June ****** in the amount of $275.00 processed successfully that went towards their July 2025 monthly payment. A balance for their July 2025 payment remains. We recommend ******* ********* login to their online portal to schedule a payment or give us a call at ************. One of our phone agents will be ready to assist them with their payment.
  
  We appreciate ******* ********* as a valued member of LendingClub and thank you for the chance to respond to their complaint. If ******* ********* has further questions about this complaint, please have them contact LendingClub directly by email at ******************************************* or leave a message at ************. LendingClub will respond via email to address concerns.