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 has 9 locations, listed below.

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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

• 

  LendingClub Corporation

  PO Box 56480 Portland, OR 97238-6480

• 

  Lending Club Patient Solutions

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

  
• 

  LendingClub Corporation

  71 Stevenson St. #301 Jackson, MS 39201

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:08/02/2022

  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,
  
  *******************************

• Initial Complaint

  Date:07/31/2022

  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.

  I have asked and talked to a customer rep more than 2 times to remove my name/address from mailers yet I continue to get them. Need them to remove me from mailing list.

  

  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.
  
  On June 6, 2022, LendingClub received and email from ************************* requesting to be opted out of direct mail marketing.The representative processed the request and sent a confirmation email on June 7, 2022.
  
  We have processed *************************** request again to be opted out of direct mail marketing from LendingClub on August 9, 2022. There may be additional marketing materials already heading to *************************, so please allow three to five weeks for the opt out to go into effect. If ************************* would like to change their preferences, we recommend they visit the www.optoutprescreen.com website. From there, they will be able to opt out from receiving firm offers for five years by completing the online form on this website as well as opt out from receiving firm offers permanently by completing and mailing the Permanent Opt-Out Election form available on this website.
  
  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 7 a.m. to 4 p.m. Pacific 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.

  I filed a Identity Theft/Fraud claim/dispute with ************ on July 5th 2022 via phone with a supervisor (Dillio), and via email and they have made no effort to assist me in the investigation. To add insult to injury and as reported on Experian, Equifax and *********** this account payment date is on the 22nd of every month yet ************ has reported the account is ***** days late in the midst of active investigations by all three credit bureaus causing serious damage to my credit score. ************'s practice of reporting fraudulent accounts delinquent/pass due prior to it's due date and in the midst of a Identity Theft Investigation is a blatant violation of the Fair Credit Act and unfair. ************ has claimed they have tried to reach me to no avail to help me resolve the issue which is not true. I have a Experian Premium Membership, ID Theft Coverage/Support and my advocate has confirmed they have sent ************ all relevant documentation relating to my Identity Theft/Fraud claim, including all my contact details, police/ftc report, my ID's, proof of residency (******, *******), and all other relevant and important documentation to support my claim. In addition, Equifax has confirm they have sent ************ the same vital information and is waiting for a response, yet again ************ has failed to reach out to me. I have emailed ************ at ******************************* ********************************** *********************************** ******************************************** ********************************** and every other email available on the web and still have not heard from ************. The fact ************ has reported a Fraudulent Account ***** days late and not yet due according to the credit bureau data is this nefarious, malicious, unprofessional and against the law.

  

  Business Response

  Date: 08/01/2022

  Thank you for giving LendingClub Bank, N.A. ("LendingClub") the opportunity to respond to ******* Mcleans 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 July 27, 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: 08/01/2022

   
  Complaint: 17648613
  
  I am rejecting this response because:
  
  

  I filed my Identity Theft/Fraud Claim/Dispute on July 5 2022 and ************ has persistently ignored and addressed my concerns to day. Ive reached out to ************ via email, fax, post and to date they havent reached out to me, even though I have provided all my contact details.  In addition, I have a Experian Premium Subscription which includes Identity Theft Protection & Support and my advocate along with Equifax & *********** has sent LendingClub all my contact details and relevant documentation relating to this matter. 

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

  

  Business Response

  Date: 08/03/2022

  Thank you for giving LendingClub Bank, N.A. ("LendingClub") the opportunity to respond to ******* Mcleans 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 July 27, 2022 and has nothing further to provide at this time.  We made multiple attempts to contact them by phone, and we were unable to leave a voicemail message. 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:07/30/2022

  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.

  Lending Club provided me with a loan that I did not agree to. They refuse to show me any documentation to show that I accepted the loan.

  

  Business Response

  Date: 08/04/2022

  Thank you for giving LendingClub Bank, N.A.(LendingClub) the opportunity to respond to ******* Blacks 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 their loan, including the Annual Percentage Rate (APR) and origination fee. LendingClub requires that applicants review the TIL and electronically accept the Borrower Agreement before submitting an application.

  Our records indicate that ************************* received a loan through the LendingClub marketplace on July 22, 2022.

  For balance transfer loans, LendingClub provides consumers 30 days to recover the loans proceeds and return them to LendingClub, including any loan proceeds that were paid directly to the consumers other creditors. If loan proceeds are not returned within 30 days from the loans origination date, the consumer remains responsible for the performance of all obligations under the Borrower Agreement.

  On July 22, 2022, ************************* contacted LendingClub by phone requesting to cancel the loan. The customer representative submitted an internal request to initiate the cancellation process. ************************* was sent an email on July 25, ******************************************************************************************** full by August 21, 2022 to complete the loan cancellation.

  LendingClub is awaiting the return of the funds in full to complete ******* Blacks cancellation request.

  We appreciate the opportunity the Better Business Bureau provided us to respond to ******* Blacks 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 7 a.m. to 4 p.m. Pacific Time.

• Initial Complaint

  Date:07/29/2022

  Type:Sales and Advertising 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.

  Have had established account with lending club for almost 3 years and had no problem until recent. I called to have auto draft stopped/removed. The representative told me it was removed/stopped. I called in via phone call and did my payment as agreed and saw the correct dollar amount prior to submitting. I then received confirmation from my bank of this transaction and for the correct dollar amount. However, a day later lending club again/still took the auto draft payment. That should not have occurred. This was an un authorized theft of money from my account. I had already had the auto draft stopped/removed from my account with them prior yet, they still took additional money. When I contacted them to correct this they told me they could file the request and submit for review. Yet, did nothing other than cause me to have hardship from over drafting my account with my bank. And other bills that I could not pay because of their actions. Now this is again an issue as their system is auto drafting another payment without authorization. The people there I speak with apologize always and so much but, do not have any ability to correct anything with their system. **************** is and has been useless to address the problem and can only submit for review. Which is always rejected because ( prior authorization ) Which had been cancelled or removed now over 2 months ago. I now have had this problem for past 2 payments and they have done nothing to help fix the problem. I would never recommend this company to anyone because of their shady practices. Lack of any meaningful customer support to help the customer when in need to fix an issue. All of this could have been avoided yet their people have NO ability to fix the problem. Just as I am at the end of my remaining payments to fulfill the loan they have caused nothing but pain and caused hardship by over-drafting my checking account without my permission from when I cancelled any further auto draft transactions.

  

  Business Response

  Date: 08/04/2022

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

  LendingClub records indicate that ******** Wagners personal loan originated on October 18, 2019. Contractual monthly payments have been received from November 2019 to August 2022.  

  On July 5, 2022, ***************************** contacted us to delay their July 11, 2022 monthly payment until July 30, 2022. The payment was not properly delayed, and the payment drafted on July 11, 2022. We sincerely apologize for an error on the part of our customer service and advise that we have taken appropriate action in an effort to provide better customer service. ********************** disbursed the payment refund to their bank account on file on July 19, 2022. Their autopay ACH was deactivated.

  In order for LendingClub to further review their account for possible incurred bank fees, ***************************** will need to provide a full bank statement from BB&T Bank from July 1, 2022 to July 31, 2022. The statement(s) must include: the full card or account number, full pages (no partial pages) with all four corners of each page visible, all pages legible, all pages of the statement are included with nothing redacted, and preferably in a PDF format. If the guidelines for the statement(s) are not followed, it will be considered incomplete and no further action will be taken. The statement(s) may be emailed, with a brief explanation, to *********************************** for further review.
  
  On July 29, 2022, our records indicate that ***************************** scheduled a payment of $1,031.90 via *********. Only members can access and process payments using *********. LendingClub cannot process payments in *********. We are unable to provide a refund for this 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 phone at ************, Monday - Friday 7am - 4pm Pacific Time.