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 Patient Solutions

  1700 West Park Dr, Suite 310 Westborough, MA 01581-3939

  
• 

  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

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:08/16/2022

  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.

  08/15/2022 was approved for a loan for ***** thru ************ and signed documents on line thru hellosign and talked several times on the phone and they told me that they are having a hard time depositing the money into my account and wanted my credit card number and they can put the money on my card,i'm like no i don't think so they hung up on me and when i went back to screen shot the document it was gone already ,why would they ask for my credit card number and their phone number is ************

  

  Business Response

  Date: 08/18/2022

  Thank you for giving LendingClub the opportunity to respond to *********** Better Business Bureau (BBB) complaint. Were sorry to hear that ******************* could have experienced a type of fraud or scam. At LendingClub, we take pride in providing a safe and transparent online lending experience. We never ask consumers to pay fees in advance or insurance to get a loan.
  
  To protect themselves, ******************* should take these steps immediately:
  
  1. Do Not give their personal information or bank account information to an unknown caller.
  2. Do Not provide the account information for a prepaid debit card or gift card to an unknown caller.
  3. Call us immediately at ************. We can confirm the identity of LendingClub employees.
  4. File a complaint about internet-related fraud with the Internet ********************** at http://www.ic3.gov/default.aspx
  5. Report the scam to their state's attorney general. They can find their state's contact information at www.consumerfraudreporting.org.
  6. If the scammer emailed them, they may forward the email with the original subject line to ************************************** and reference ticket #********.
  7. Let us know if they shared gift card information, such as an iTunes or ****** Play card. We may ask them to provide us with the gift card numbers to help us report the scammers.

  Unfortunately,scammers may contact people saying they represent a major financial services company. Sometimes they pretend to be LendingClub and offer personal loans with attractive terms. These fraudsters may tell victims to buy a prepaid debit card or gift card to pay a loan application fee. Then, they ask for the card number,supposedly to verify the account and send the victim the money. Instead, they take the money for themselves. The scammers may ask victims to pay extra fees,allegedly to fix problems with their Social Security number, credit report, or issues with the ****
  
  Although the scenario above is a typical advanced fee scam, fraudsters frequently change their methods. They may also ask for a victims bank account number, username,or password. They may even request their birthdate or Social Security number,leaving victims vulnerable to ID theft and other scams.
  
  If ******************* has further questions about protecting themselves from scams, they may visit https://www.lendingclub.com/loans/resource-center/safety-and-privacy or contact ************************************** to forward the details listed above. 

  Customer Answer

  Date: 08/18/2022

   
  Complaint: 17725610
  
  I am rejecting this response because:
  
  Sincerely,
  
  *******************. Some I understand but when I googled the number that they called me from it was from their lending company how do they explain that one ? 

  

  Business Response

  Date: 08/25/2022

  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 previously addressed this complaint on August 18, 2022 and 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 phone at ************, Monday -Friday 7a.m. - 4p.m. Pacific Time.

• Initial Complaint

  Date:08/16/2022

  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.

  Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC ****. Please remove it from my credit report.

  

  Business Response

  Date: 08/25/2022

  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.
  
  Our records indicate that ********************* received a loan through the LendingClub marketplace on August 15, 2016.
  
  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 a consumers credit report. LendingClub must follow our charge off policy if the loan becomes more than 120 days past due. *********************** last payment was received on June 15, 2021 and due to non-payment, their loan was charged off on November 15, 2021.
  
  We report all account experiencespositive and negativeto one or more of the credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report, as will a record of on-time payments. To remain fair and impartial to all borrowers, we are unable to make modifications or exceptions to our credit bureau reporting policy. A charge off may remain on a credit report for up to seven years. Our records indicate the account is accurately reporting as charged off.
  
  We appreciate the opportunity the Better Business Bureau provided us to respond to *********************** complaint. If either the BBB or ********************* have any additional questions regarding this complaint, please contact us by email at ******************************************* or by phone at ************, Monday -Friday 7a.m. 4p.m. Pacific Time.

• Initial Complaint

  Date:08/15/2022

  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.

  I applied and received a personal from ************ in July. (15th or 16th). Half of my loan was going to my Discover credit card with the other half going to *********** and a small remainder just being deposited into my bank account. Within a few days I had that small remainder in my account and my discover funds. *********** was missing. I finally figured out the funds were never sent (after a confusion it was the wrong account). I contacted lending club multiple times to confirm if my funds were ever sent, and after a few people I finally had someone tell me the truth that they weren't. So they said they would send it to my bank account. It's now been a week and that monay has still not been sent. I was told 2-4 days to complete my ticket. Nothing . Every time I call nobody gives me a legitimate answer, it's always "I have to wait". My first loan payment is now coming up and I am still missing almost $8,000. I'm now making card payments still and then I'll have to make a loan payment? That's ridiculous. They are holding my money for whatever reason. I don't understand how hard it is to send someone their loan after it's been a MONTH. I just want my money.

  

  Business Response

  Date: 08/24/2022

  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 ******************* received a balance transfer loan through the LendingClub marketplace on July 18, 2022. The first payment is due on August 29, 2022.
  
  As part of the application process for a balance transfer loan, LendingClub requests applicants to complete an email verification, fill out a balance transfer worksheet, and link a valid bank account for deposit of the remaining funds. The worksheet allows LendingClub to facilitate payments to the creditors of their choice. When were notified that funds from a balance transfer loan have not been received by the creditor within 10 business days,we open a dispute claim.
  
  The loan originated on July 18, 2022. On July 29, 2022,LendingClub was notified that one of the creditors may not have been paid due to incorrect account information submitted on the application; the funds were returned to LendingClub on August 4, 2022 from the creditor. We began an investigation that concluded on August 21, 2022, after ******************* verified the correct account to process the funds.
  
  On August 22, 2022, LendingClub began to process the funds returned from their creditor to the bank account on file. Depending on ********************* financial institution, it can take **** business days for the funds to be available. If ******************* does not receive the funds by September 2, 2022,please have them contact us again and we will be more than happy to help.
  
  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 phone at ************, Monday - Friday 7a.m. - 4p.m. Pacific Time.

• Initial Complaint

  Date:08/14/2022

  Type:Order 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 started a joint loan application with ************* My joint applicant was supposed to be notified about the loan and never was. My joint applicant was also never asked for any proof of financial information etc. I also had not sent in proof of income. Or completed all the steps requested.. yet I was turned down for a loan and it indicates a number of adverse factors although there are none listed.Wondering how I can be turned down for a loan on a joint application when they did not have any information on either applicant.I also have multiple emails requesting that I need to finish the steps to process the loan although it does indicate the long is tonight without ever contacting the joint applicant.

  

  Business Response

  Date: 08/23/2022

  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.
  
  Our records indicate that ********************* submitted two applications for a personal loan on August 9, 2022 and August 11, 2022. LendingClub is currently reviewing ***************** application and sent an adverse action letter by email for the second application received.

  The specific reasons why ***************** loan application was declined are provided in an adverse action notice, which can be viewed by logging into their Account Summary.

  Please be advised, ********************* can check their To-Do List on their LendingClub account through www.lendingclub.com for updates on the application status.

  We appreciate the opportunity the Better Business Bureau provided us to respond to ***************** complaint. If either the BBB or ********************* have any additional questions regarding this complaint, please contact us by email at ******************************************* or by phone at ************, Monday to Friday 7a.m. to 4p.m. Pacific Time.

• Initial Complaint

  Date:08/12/2022

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  This is in regard to ********************* On August 3, and 4, 2022 I made transfers into my ************ Account from my ************* Both were completed 8-5-2022. On August 8th 2022 both transfers were sent through my credit union, unauthorized by me, by LendingClub. These 4 unauthorized transfers resulted in ************ charging my credit union account a NSF fee of $30.00 each. A total of $120.00. Which now, 5 days later has not been refunded. I've contacted ************ by email, phone and their customer support online to correct this and it still has not. ************ also withdrew funds from my account without my permission and without contacting me prior.They seem to be very disconnected with what they can do by phone or email.

  

  Business Response

  Date: 08/19/2022

  LendingClub Bank, N.A. (LendingClub) strives to provide the very best service to our customers. Were aware of a system error regarding a recent ACH transaction into your LendingClub Bank account where the funding bank account *** have been debited multiple times.
  
  We have taken initial steps to mitigate any customer impact,therefore you *** have seen a credit transaction post to your external bank account. Each bank processes these transactions differently, continue to monitor your funding account. We are continuing to review our records, which *** result in additional actions.
  
  Thank you for your continued patience, we appreciate you as a valued LendingClub Member. We appreciate the opportunity to respond to your complaint. If you have any additional questions, please contact us by email at ******************************************* or by phone at ************ Monday-Friday 8:30 a.m. to 12 a.m. Eastern Time; Saturday-Sunday 8 a.m. to 8 p.m. Eastern Time.

  Customer Answer

  Date: 08/20/2022

   
  Complaint: 17708979
  
  I am rejecting this response because: NSF fees of $120.00 charged on 8-8-2022 have not been refunded.
  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 08/29/2022

  LendingClub Bank, N.A. (LendingClub) strives to provide the very best service to our customers. Were aware of a system error regarding a recent ACH transaction into your LendingClub Bank account where the funding bank account *** have been debited multiple times.
  
  We have taken initial steps to mitigate any customer impact,therefore you *** have seen a credit transaction post to your external bank account. Each bank processes these transactions differently, continue to monitor your funding account. We are continuing to review our records, which *** result in additional actions.
  
  Thank you for your continued patience, we appreciate you as a valued LendingClub Member. We appreciate the opportunity to respond to your complaint. If you have any additional questions, please contact us by email at ******************************************* or by phone at ************ Monday-Friday 8:30 a.m. to 12 a.m. Eastern Time; Saturday-Sunday 8 a.m. to 8 p.m. Eastern Time.

  Customer Answer

  Date: 08/31/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. As long as the unauthorized non-notified transfers and withdrawals do not begin again.
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:08/11/2022

  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.

  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.LENDING CLUB ACCT #: ********* BAL. $0.00

  

  Business Response

  Date: 08/19/2022

  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 previously addressed this complaint on December 16, 2021, January 10, 2022, January 26, 2022, March 8, 2022, April 5, 2022, May 3, 2022, May 17, 2022 and 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 phone at ************, Monday - Friday 7am - 4pm Pacific Time.

• Initial Complaint

  Date:08/10/2022

  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.

  I tried to make a payment over the phone. They are saying the account number that I have is not valid. The system is telling me this. When I talked to a live person they are saying that the account number is correct. They are wanting me to do an email payment, but I do not want to do an email payment. I want to be able to make my payment over the phone and to match up the correct account number. I need for them to have the account number to recognize me in the system.

  

  Business Response

  Date: 08/19/2022

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ************************************************* (BBB) complaint. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  
  LendingClub records indicate that ********************************* received a personal loan through the LendingClub marketplace on July 25,2022. The contractual monthly payment has been received for August 2022 and the next payment is due on September 25, 2022.
  
  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 *********.
  
  On August 10, 2022, ********************************* contacted LendingClub in an attempt to schedule a payment. Due to a technical error, the system was unable to verify their account information in order to schedule the payment. A request was submitted to LendingClubs technical support team in order to fix the issue and allow ********************************* to make payments through our automated system. We will be in contact with ********************************* directly when the error has been resolved. We apologize for their experience and well use their feedback to improve our service, and we hope that we can regain their confidence in the future.
  
  
  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 phone at ************, Monday - Friday 7a.m. - 4p.m. Pacific Time.

  Customer Answer

  Date: 10/17/2022

  Please see attached

  

  Business Response

  Date: 10/24/2022

  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.
  
  On August 18, 2022, a request was made for our technical team to research and resolve the problem. As of October 19, 2022, LendingClub is still unable to determine the technical error that is preventing ********************************* to make a payment through our automated payment system. We sincerely apologize for the inconvenience and are working to resolve the issue as quickly as possible. Once the error is resolved, we will be contacting ********************************* directly.
  
  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 phone at ************, Monday - Friday 7a.m. - 4p.m. Pacific Time.

• Initial Complaint

  Date:08/09/2022

  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.

  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.LENDING CLUB ACCT #: ******** BAL. $0.00

  

  Business Response

  Date: 08/10/2022

  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 andappreciates their feedback. LendingClub previously addressed this complaint on January 7, 2022 and February 24, 2022. LendingClub has nothing further to provide at this time.  If ******************* has further questions about thiscomplaint, please have them contact LendingClub directly by email at ******************************************* or phone at ************, Monday - Friday 7am - 4pm Pacific Time

• Initial Complaint

  Date:08/09/2022

  Type:Service or Repair Issues
  Status:

  ResolvedMore 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 opened a high yield savings account with LendingClub last week. I also made several transfers last week (between $5k-$25k each) from my *********** account to the LendingClub high yield account, with the last transfer being on Friday (8/5/22). On Monday (8/8/22) I noticed in my *********** account that there were two pending transfers (they were labeled as 'processing' on Monday), each for $5k, to the LendingClub account. I did not authorize any more transfers beyond the ones on Friday (8/5/22). I called LendingClub concerning this and I was told that this was an error in their system and that the transfers wouldn't go through and 'to give it 24hrs' and it would resolve itself. So today (8/9) I looked in my BoA account to see if those pending transfers had been cancelled - they were not. Those two $5k transfers actually cleared from my BoA account. When I called LendingClub today, they told me that it was an error and they're working to resolve the issue. They also informed me that this effected many of their clients. The agents I spoke with could not tell me how this happened, why it happened, or even when I'm going to get my $10k back. They literally, unauthorizedly, took $10K (two separate $5k transfers) from my BoA account and now they have no idea where the money is at or when I'm going to get it back. I am in complete shock at this.

  

  Business Response

  Date: 08/18/2022

  LendingClub Bank, N.A. (LendingClub) strives to provide the very best service to our customers. Were aware of a system error regarding a recent ACH transaction into your LendingClub Bank account where the funding bank account *** have been debited multiple times.
  
  We have taken initial steps to mitigate any customer impact,therefore you *** have seen a credit transaction post to your external bank account. Each bank processes these transactions differently, continue to monitor your funding account. We are continuing to review our records, which *** result in additional actions.
  
  Thank you for your continued patience, we appreciate you as a valued LendingClub Member. We appreciate the opportunity to respond to your complaint. If you have any additional questions, please contact us by email at ******************************************* or by phone at ************ Monday-Friday 8:30 a.m. to 12 a.m. Eastern Time; Saturday-Sunday 8 a.m. to 8 p.m. Eastern Time.

  Customer Answer

  Date: 08/19/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *********************************

• Initial Complaint

  Date:08/09/2022

  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.

  Yesterday (8/8), the due date of my loan, I went online to payoff said loan (which had 6 remaining payments due). I selected the pay off option a payoff amount of $1466.60 was provided. I paid that amount in full and received a confirmation page saying my loan was paid in full. Next day, today, I am checking my bank account and ************ took my FINAL payment amount PLUS another monthly payment (622.68)...totalling more than the pay off amount quoted. When I called ************ to question this, I was told it was correct and that the payoff amount that was provided online was reduced by the monthly payment they assumed would be paid and they even started to draft it from my bank account on the 5th, even though payment is due on the 8th. After being placed on hold numerous times, the rep (although friendly) just kept repeating the same thing. That this was the practice and the account is now closed. I asked for a formal review as this practice is misleading if not fraudulent.

  

  Business Response

  Date: 08/18/2022

  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 report that ******************************* personal loan (x409) originated on January 8, 2020. Contractual monthly payments were received on the loan from February 2020 to August 2022.

  Any payment changes to a members automatic ACH monthly payment must be completed at least 3 business days prior to their scheduled due date. Our records report that no changes were made to their scheduled August monthly ACH payment.Their ACH monthly payment executed as scheduled for payment on August 8, 2022.

  Our records indicate that *********************** scheduled a payoff payment for August 8, 2020 via their personal ************* online. The payoff payment amount was based on their scheduled August 8, 2022 monthly payment processing and settling on their account.

  Their payoff payment was received on August 8,2022.  Please allow up to 10 calendar days from the closed date for the account to be considered fully paid.

  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 phone at ************, Monday - Friday 7a.m. - 4p.m. Pacific Time.

  Customer Answer

  Date: 08/19/2022

   
  Complaint: 17692968
  
  I am rejecting this response because: it did not address the issue. The issue is that when I signed on and selected payoff amount I was given one amount which I paid in full. I received a message stating congratulations on your pay off. Then the next day my back account was debited for the full pay off amount PLUS another months payment, which combined was total more than the payoff amount given.
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 08/29/2022

  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 previously addressed this complaint on August 18, 2022 and 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 phone at ************, Monday - Friday 7am - 4pm Pacific Time.

  Customer Answer

  Date: 08/30/2022

   
  Complaint: 17692968
  
  I am rejecting this response because: the same reason I rejected the first response, ************ did not respond to the issue. Their response in no way addresses the specifics of my particular issue. They responded with generic procedures.
  
  Sincerely,
  
  ***********************