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

  7550 Corporate Way Eden Prairie, MN 55344-2045

• 

  Lending Club Patient Solutions

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

  
• 

  LendingClub Corporation

  1 Harbor St Boston, MA 02210-2359

• 

  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:08/04/2022

  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.

  In May of 2022 I paid off a loan to lending club. I called up customer service and received my pay-off amount and confirmed the date and amount that I would be paying off the loan. The same month, which I DID NOT agree upon, the full amount was debited from my account and the loan was consequently paid in full, which was one month early. Due to the error, ************ owed me $600.11 (of which they recognized and sent me an email about). I called the day after receiving the email to confirm where they would be sending the money and the customer service rep confirmed it would be directly deposited into my checking account ending in XXXX. I waited 3 weeks. Still no deposit. I called back and was told they had mailed the check to an old address and was given the run around. I told them to stop payment and I had CONFIRMED on prior calls that I NO LONGER lived there which was why no CHECK should be mailed. They stated that was going to be done and a check would be cut to my new address. It has been 2 months and still no check. I have called now 4 times, I have begged to speak with a manager or have help with this and have been told to just give it time and I will get a check. On the forth time I called I actually had a customer service rep tell me she didn't want to deal with me. I am begging for help. I simply want my money back that is due to me.

  

  Business Response

  Date: 08/09/2022

  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 loan through the LendingClub marketplace on January 28, 2019. Contractual monthly payments were received on the loan from February 2019 to November 2020, and from January 2021 to June 2022. The loan was paid in full on June 7, 2022.
  
  On May 4, 2022, *********************** contacted LendingClub by phone to request that the May 2022 monthly payment be deferred and schedule a payoff on their account to process on June 7, 2022. The LendingClub customer service agent advised that we cannot defer a payment, but we are able to extend the payment date up to 28 days without any negative impacts to their credit. The request was completed,however, due to an error on the part of our customer service, the automatic ACH payments were not deactivated, resulting in the May 2022 monthly payment processing on May 10, 2022. The payoff amount given to *********************** was more than the balance on the account, and a refund was sent to them by mail on June 17, 2022.
  
  On July 11, 2022, *********************** contacted LendingClub and it was determined that the check had been sent to the incorrect address, as the address had not been updated through ************************* member center. The check payment was stopped and processed to be sent to the correct address, per LendingClubs refund policy and procedures. Our records confirm that the check has been sent to *********************** as of August 3, 2022. If the check is not received within 14 business days from that date, we advise that *********************** contacts us again so that we can further investigate.
  
  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 7am - 4pm Pacific Time.

• Initial Complaint

  Date:08/04/2022

  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.

  Last year a personal loan was sent to lending club in error and I do not have an account with lending club. I have made hundreds of calls trying to track down this check and sent numerous emails (even of the check itself recently that was never acknowledged). I am constantly given the run around and assured if I did not have an account with lending club they would never deposit the funds; well it was and I have not received help from anyone. I finally got all the information from the check that was sent and relayed that information- I was not transferred to another department (even though I asked) I was simply asked for facts and assured a specialist would call me back. No one has called and I am being harassed daily by collections because I do not have the funds to pay for a personal loan I never received. Can someone PLEASE call me that can help locate this check!

  

  Business Response

  Date: 08/12/2022

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

  On July 10, 2021, *********************** contacted LendingClub to notify LendingClub that a check was sent to the us by mistake.At this time, they were advised to provide LendingClub with the requested check information for further research.

  On July 8, 2022, *********************** provided a copy of the check that included the information necessary for research. 

  LendingClub has located and identified the check payment. We are currently processing a refund check. Please allow up to 14 business days for check processing. The refund check will be sent to ***** Wilsons mailing address listed in their BBB complaint.

  We appreciate the chance to respond to ***** Wilsons 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:08/03/2022

  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.

  I opened twice and last time was opened account on July 28, 2022, I was declined and I spoke with many of rep and supervisor. They could not find anything wrong. They kept asking me if my freeze my credit report from credit bureaus. I told them no I did not have them freeze. It is very frustrating that they were helpless to open high yield savings account. I am writing this because I need high level team to take care of this matter. Please contact me by emailing.

  

  Business Response

  Date: 08/12/2022

  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 and appreciates their feedback.
  
  All applications are evaluated prior to account opening. On July 28, 2022 ******************************* completed an online application for a ****************** account with LendingClub. An additional application was submitted on July 29, 2022.Unfortunately, both applications were declined because we were unable to verify your identity with the information provided during the account opening process.
  
  Banks 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. ***** may also decide to not move forward with a prospective customer relationship. The decision to deny a relationship is based on the banks overall evaluated risk and is not necessarily a reflection of you.
  
  LendingClub does not consider an applicants race, color, national origin, religion, age, ***,marital status, familial status, or handicap during the account opening process. Furthermore, LendingClub does not discriminate based on an applicants receipt of income derived from any public assistance program or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.
  
  We take customers privacy and the security of their information seriously. Our Privacy Policy explains how we collect and use personal information through our website,www.lendingclub.com, mobile application(s) and all related applications,services, and tools (collectively, our Service). For further information on the information that was gathered as part of the account opening process to make our decision, we have enclosed our Privacy Policy. 
  
  If either the BBB or ******************************* have any additional questions regarding this complaint, 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: 08/14/2022

   
  Complaint: 17666846
  
  I am rejecting this response because: Your response is not acceptable. I am here asking for a special assistance to resolve how that I can be approved without signing up several times and is there a department I can speak or sign up through. You defending your company which doesn't make sense at all without finding solution for both sides instead of writing a nonsense message.  
  
  Sincerely,
  
  *******************************

  

  Business Response

  Date: 08/22/2022

  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 and appreciates their feedback.
  
  LendingClub appreciates *********************** interest in our ****************** Account. One of the LendingClubs objectives is to protect our customers, both active and potential. All banks are required to evaluate new customers upon account opening. Although at this time we were unable to approve their application, they are welcome to reapply in the future. We appreciate their understanding and apologize for any inconvenience.
  
  LendingClub does not consider an applicants race, color, national origin, religion, age, ***,marital status, familial status, or handicap during the account opening process. Furthermore, LendingClub does not discriminate based on an applicants receipt of income derived from any public assistance program or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act
  
  If either the BBB or ******************************* have any additional questions regarding this complaint,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: 08/22/2022

   
  Complaint: 17666846
  
  I am rejecting this response because: your response is nonsense. I am requesting how to fix this not by computer speaking as you stated. I want to speak to executive in this banking. 
  
  Sincerely,
  
  *******************************

• Initial Complaint

  Date:08/03/2022

  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.

  Made a transaction with vendor on April 28th for $3700, Posted on 4/29 and debited from my account immediately. Made a valid dispute with the vendor through my business account end of May '22. Lending ********* issued me a new debit card. July 6th vendor sent refund. Lending Club System denied refund, as well as stated to vendor this is a chargeback (non-payment) money has not been returned to me.

  

  Business Response

  Date: 08/12/2022

  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 and appreciates their feedback. 
  

  Under banking Regulation E, banks and users of electronic fund transfer systems are provided a framework that establishes rights,liabilities, and responsibilities of consumers in their use of electronic fund transfer systems. Accounts for business customers are not covered under ************************ while a chargeback was filed, credit will only be provided if the merchant is willing to honor ********* dispute, and we are unable to issue a provisional credit for the dispute period. We are currently working with the merchant and will update ******** once a final resolution has been made. 

  If either the BBB or *************************** have any additional questions regarding this complaint, 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: 08/13/2022

   
  Complaint: 17665815
  
  I am rejecting this response because: I have spent countless hours on the phone with lending club supervisors, Vendor Supervisors, Mastercard representatives all to find that ************ has my funds in question. It has been several weeks with every conversation being "escalated" to the operations team  and nothing being resolved. This is beyond aggravating and has been an absolute waste of my time doing the job that lending club should be doing 
  
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 08/22/2022

  Thank you for giving LendingClub Bank, N.A.(LendingClub) the opportunity to respond to *********************** Better Business Bureau (BBB) complaint.

  
  LendingClub is continuing to work with the members merchant. We apologize for the delay and any inconvenience this may have caused. Once a resolution is reached, we will update the member directly.

  
  If either the BBB or *************************** have any additional questions regarding this complaint,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. 

• Initial Complaint

  Date:08/02/2022

  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.

  During this years 2012- 2014 my identity was stolen i found a few addresses and Accounts open under my name without My concern and its been reporting on my credit report for **** years and still reporting at the moment with late payments and no accounts open by me.***Lending Club Unsecured Loan Account ******&& opened in 2014***I have no Knowledge of this account, Not Open By me opened boy 8 years. This following accounts have being opened fraudulent I was victim of identity theft and credit bureaus have violated my rights by reporting this activity without my concern. In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. 15 U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 15 U.S.C **** section 602 A. States I have the right to privacy.

  

  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 and appreciates their feedback.

  LendingClub records report that ******************************* personal loan originated on February 14, 2014. Contractual monthly payments were received from March 2014 to January 2016. Thereafter, the loan became delinquent.

  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. ******************************* last payment was received on January 26,2016 and due to non-payment, their loan was charged off on June 30, 2016. In accordance with our policy, their loan was sold to JH Portfolio Debt Equities, LLC at ************ on October 26, 2017.

  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.

  Upon receipt of this complaint, a fraud investigation was opened on August 4, 2022. Our Fraud Investigation team will notify ***************************** of their determination results. 

  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 7am - 4pm Pacific Time.

  Customer Answer

  Date: 08/10/2022

   
  Complaint: 17660770
  
  I am rejecting this response because: Im not the owner of the Account and it was opened fraudulent, I was victim of Identity theft in 2014. I did not authorized or open this account, this has been reported with CFPB https://www.consumerfinance.gov. its been reporting on my credit report for **** years and still reporting at the moment with late payments and no accounts open by me.

   FTC Report number: 150268353

  I want this resolve by deleting this account from my credit report. 

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

  

  Business Response

  Date: 08/12/2022

  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 10, 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:08/02/2022

  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.

  On November 7, 2021 I sent letter to dispute a charge of $4,332.00 for medical procedures from ************, ************ **. ******************************* has failed to investigate the dispute and resolve this issue ****************************** claims to provide credit for medical services. As stated in my letter to them the amount of those charges significantly exceeds the amount Brush Dental is authorized to charge under contract with my dental insurance company. Lending Club has yet to investigate and/or provide supporting documentation that those charges are for services. Based on what I was told by their representative l my obligation after all adjustment were considered for insurance, my cost of services was $4,332.00 According to insurance Explanation of Benefits the total cost of service Brush Dental submitted for these services was only $3,576.00. After adjustments and payments from the insurance company my responsibility for this service is $2,862.30. (This amount has since been adjusted to $2,473.10 after Brush Dentals appealed with ************** So, the amount that was for services for $4,332 which was a lie, and ********************* has failed to investigate.Brush Dental lied about cost of services, inflated the price effectively lying about interest free loan and ******************************* has failed to investigate requiring me to over pay for medical service.

  

  Business Response

  Date: 08/10/2022

  Thank you for giving LendingClub ******* Services (LCPS) 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.

  LCPS contacted Brush Dental on March 21, 2022 and they confirmed that all services were rendered for *************************; therefore, no refund is due.

  Please have ************************* contact Brush Dental with any further questions regarding the cost of services or insurance adjustments.

  We thank you for the opportunity to respond to *************************** complaint.

• Initial Complaint

  Date:08/02/2022

  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 was going to borrow ***** from this company and they wanted to charge me ****** to give me the loan. This was considered illegal to me. I paid them ****** and I need my ****** dollars back.

  

  Business Response

  Date: 08/04/2022

  Thank you for giving LendingClub the opportunity to respond to ***** Hallmans 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:
  
  Do Not give their personal information or bank account information to an unknown caller.
  Do Not provide the account information for a prepaid debit card or gift card to an unknown caller.
  Call us immediately at ************. We can confirm the identity of LendingClub employees.
  File a complaint about internet-related fraud with the Internet ********************** at http://www.ic3.gov/default.aspx
  Report the scam to their state's attorney general. They can find their state's contact information at www.consumerfraudreporting.org.
  If the scammer emailed them, they may forward the email with the original subject line to ************************************** and reference ticket Zendesk #********.
  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.

• Initial Complaint

  Date:08/02/2022

  Type:Delivery 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.

  Applied for the savings account, they collected lot of sensitive information including SSN, but neither ever heard from them again, nor ever received any confirmation of my information being received and/or processed. Looks like scam.

  

  Business Response

  Date: 08/04/2022

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

  On or around July 29, 2022 ***************************** applied for a ****************** account with LendingClub. On August 2, 2022, Pavel Degtyarevs ****************** account was approved. An email confirming account opening was sent accordingly on the same date. If an account confirmation email has not been received, we encourage Pavel Degatraev to contact LendingClub using the contact information below.
  

  If either the BBB or ***************************** have any additional questions regarding this complaint, 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.

• Initial Complaint

  Date:07/31/2022

  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.

  Hello , I am writing because I cant seem to get anywhere with the company! I have called , messaged ; emailed and left chat messages on the app with no contact!!!I spoke with 3 different employees who were extremely rude when trying to find out why I was told no inquiry would be run when I was applying for a loan back in November!!!!!They said if I wanted to use my boyfriend as a co-signer ; then I need not worry about them running my credit !!! They would just use his I said that would be just great !I told them I was in the process of trying to buy a home and didnt want to see any inquires on my credit. I was told NOT to worry about anything. I could relax; it will only show up on my co-signers credit report Last person I spoke to wldnt help or cared to help :: I asked for a Supervisor to speak with ::: he said he wsnt getting one !!!!! And if I asked again he was hanging up !!!!!!!!!!!!Who does that ???? I said your rude and ignorant and I cant continue with you / plz get me someone higher ::: He said NO and hung up !!! I was crying and he knew how important this was to me !!! Hung up anyway Please REMOVE that inquiry from ALL 3 OF MY CREDIT REPORTS . I would really appreciate it. I was mislead Sincerely Yours, Tarayne L ***** Very Time Sensitive God Bless

  

  Business Response

  Date: 08/09/2022

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to Tarayne Brahms Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  
  LendingClub records indicate that Tarayne ***** and their co-borrower submitted an application for credit on October 22, 2021.  They received a joint personal loan on October 25, 2021. Contractual monthly payments have been received on the loan from November 2021 to June 2022. The next payment was due on July 25, 2022 and the account is currently past due.
  
  When borrowers check their rate and apply for a loan through LendingClub, it wont affect their credit score. It generates a soft credit inquiry that we use to understand the borrower's creditworthiness. Soft inquiries are visible to the borrower, not to creditors or other users of a consumers credit report. When a loan is issued to an approved applicant, a hard credit inquiry that *** affect their credit score will appear on their credit report. To successfully issue the loan, both applicants will receive a soft and hard credit inquiry on their credit report. We have thoroughly reviewed our records and it has been determined information regarding the effects on Tarayne Brahms credit was not provided by LendingClub.
  
  We give all borrowers a 15-day grace ****** to make payments with no penalty. If a payment is not received within 15 days of the contractual due date, a late fee *** be applied.If a payment is not received within 30 days of the contractual due date, the account *** be turned over to a professional collection agency and negative information *** be furnished on a borrowers credit report. LendingClub must follow our charge off policy if the loan becomes more than 120 days past due.
  
  We also know this is a difficult time for everyone impacted by financial hardship. As LendingClub is an online marketplace connecting borrowers and investors, we believe in doing the right thing for all of our members. When consumers contact us about a financial hardship, well offer options within our guidelines. LendingClub allows borrowers to permanently move their payment due date, and borrowers *** also make their monthly payment anytime within 15 days of the payment due date without incurring a late fee. However, for members who were unable to make their regular payments due to financial hardship, they *** have been eligible for a hardship payment plan.
  
  On July 28, 2022, LendingClub records confirm that Tarayne ***** contacted LendingClub to inquire about payment options due to financial hardship. The customer service representative presented the aforementioned payment options in order to assist Tarayne ***** meet their financial obligations while experiencing financial difficulty. Our call review shows that Tarayne ***** disconnected the phone call in frustration with the service they had been provided at that time. The customer service agent was unable to explore further hardship options before the call was disconnected. We will use Tarayne Brahms feedback to improve our service and hope to regain their confidence in the future.
  
  We appreciate Tarayne ***** as a valued member of LendingClub and thank you for the chance to respond to their complaint. If  Tarayne ***** 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:07/31/2022

  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.

  hey ,i had opened a bank account through wicket movile banking app that later has changed names to paybby that i see its been powered and fdic insured through LENDING CLUB . i have a full pdf file about how a deposit of mine disapeard in amount of $8000 and when i contacted the team members and ceo of this company on ******* they threatened me and closed my bank account . but i have made a full document of what exactly happened followed by dates, reference numbers and the threats that i would like to share with lending clubs investigation team (attached to this complaint) . also i have filed an fdic complaint and this is my last attemp to solve this issue with you guys . your banking partner is doing fraud using your name and you are responsible to fix this . im looking forward to hear from you guys.

  

  Business Response

  Date: 08/09/2022

  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 and appreciates their feedback.? In addition to customers LendingClub serves directly, we also provide certain services to Paybby (provider of the banking product Wicket) by facilitating money movement at the operational level. 
  
  On or around April 14, 2021, ****** attempted a deposit of $8,736.00. This transaction was originally returned for names not matching as well as the payee being an LLC. Wicket does not support Business deposits for a consumer checking account. Due to the name mismatch, these funds were returned to Stripe. Stripe would be in the best position to provide an update on the status of these funds.   
  
  If either the BBB or ******************************* have any additional questions regarding this complaint, please contact Paybby by email at ******************* Paybby is also available by phone at **************. 
  

  Customer Answer

  Date: 08/09/2022

   
  Complaint: 17649884
  
  I am rejecting this response because:

  they failed to properly address the issue . please investigate further on the documents i sent it .
  
  Sincerely,
  
  *******************************

  

  Business Response

  Date: 08/17/2022

  Thank you for giving LendingClub Bank, N.A. (LendingClub)the opportunity to respond to *********************** Better Business Bureau (BBB)complaint. In addition to customers LendingClub serves directly, we also provided certain services to Paybby (provider of the banking product Wicket) through January 14, 2022.
  
  Paybby was a banking partner to LendingClub, helping to facilitate money movement at the operational level for Paybby. Paybby in turn,provided individual accounts for their customers. After a thorough review we have determined that the funds were returned. Stripe would be in the best position to provide an update on the status of these funds.
  
  If either the BBB or ******************************* have any additional questions regarding this complaint,please refer to the contact us page at Paybby.com.

  Customer Answer

  Date: 08/20/2022

   
  Complaint: 17649884
  
  I am rejecting this response because: the funds were not returned and if its true . i need trace numbers , ach return numbers and LOI (letter of instruction).

  are you guys willing to work with me so we can locate the funds? cause stripe claims the bank is in the best position to locate these funds
  
  Sincerely,
  
  *******************************