Complaints

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

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• 

  LendingClub Corporation

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

  
• 

  Lending Club

  P.O. Box 1309 Coppell, TX 75019

• 

  LendingClub Corporation

  1 Harbor St Boston, MA 02210-2359

• 

  Lending Club

  7550 Corporate Way Eden Prairie, MN 55344-2045

• 

  LendingClub Corporation

  PO Box 56480 Portland, OR 97238-6480

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

• Initial Complaint

  Date:06/23/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I filed a complaint on June 4th against ************. The complaint number is ********. This is to continue/follow up on this complaint since I didn't get any resolution. I still get mail for "******* ******" after receiving an email from ************ that they will stop the mail to my address, knowing that ******* doesn't live here at my address "***************************************". Today I continue to receive email for "******* ******". Can you help stop the mail for this person to my address?

  

  Business Response

  Date: 06/24/2025

  Thank
  you for giving LendingClub Bank, N.A. ("LendingClub") the opportunity
  to respond to Stewart Mac’s Better Business Bureau (BBB) complaint. LendingClub
  strives to provide the very best service to our customers and appreciates their
  feedback.
  
  LendingClub
  previously addressed this complaint on June 11, 2025, and has nothing further
  to provide at this time. If Stewart
  Mac has further questions about this complaint, please have them contact
  LendingClub directly by email at [email protected]
  or leave a message at 415-767-4512 Monday-Friday 7a.m. to 4p.m. Pacific Time.  LendingClub will promptly respond via email
  to address concerns.
  

• Initial Complaint

  Date:06/23/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to dispute an account listed under my name with *****************. The account was opened on 3/18/2019 with account number ********* and a high credit balance of $9,000.00.I did not open this account, and it is not my responsibility. I have been a victim of identity theft and have filed a report with IdentityTheft.gov.Please investigate this account immediately and remove any erroneous information associated with it from my credit report.Thank you for your prompt attention to this matter.

  

  Business Response

  Date: 07/01/2025

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ******* ***** Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  
  LendingClub provides applicants with important documents prior to loan consummation. These documents include the Borrower Agreement and Truth-In Lending (TIL) disclosure.The TIL disclosure includes important information about the loan, including the Annual Percentage Rate (APR) and origination fee. LendingClub requires that applicants review the TIL and accept the Borrower Agreement before submitting an application. Our records indicate ******* **** reviewed the TIL and accepted the Borrower Agreement on March 8, 2019. To view the TIL disclosure and other important documentation, please have them sign into their LendingClub account online at **************************.
  
  LendingClub records show that ******* ***** personal loan originated on March 18, 2019.Contractual monthly payments were received on time on the loan from April 2019 to August 2019.
  
  It is the responsibility of the member to monitor their account, payments, and information. If a contractual monthly payment is not received by the contractual due date and becomes past due, LendingClub will attempt to reach the member whose account might be at risk of being negatively impacted or reported. We give all borrowers a 15-day ***** period to make payments with no penalty. Interest will continue to accrue on the loan daily and if payment is delayed, there may be additional interest accrued on the loan. If a payment is not received within 15 days of the contractual due date, a late fee may be applied. If a payment is not received within 30 days of the contractual due date, the account may be turned over to a professional collection agency and negative information may be furnished on their credit report. LendingClub must follow our charge-off policy if the loan becomes more than 120 days past due. Due to non-payment and account delinquency, the loan was charged off on January 31, 2020. In accordance with our policy, the loan was sold to ********************************* on February 10, 2020. Please note as the loan has been sold, any request received for validation will be sent to the debt buyer. If ******* **** would like to discuss their account, please have them contact ********************************* at ************.
  
  Upon acknowledgment and acceptance of the loan terms, a borrower consents and agrees to LendingClubs credit reporting policy. LendingClub complies with all applicable federal and state privacy and data protection laws and regulations and ensures that all reporting of account information is consistent with the Fair Credit Reporting Act (FCRA). In accordance with the FCRA,LendingClub provided a thorough investigation of their account, and it was confirmed that one of the credit bureaus was not reporting their account information and an update was needed. We sent an update to the credit bureaus to accurately report the account as charged off and sold. Please allow up to forty-five (45) days for the credit bureaus to process the new information to their report.
  
  A fraud investigation was opened on June 2, 2025 when LendingClub received a fraud claim through the credit bureaus. Upon receipt of this complaint, we sent the fraud claim for further review. The investigation was closed on June 30, 2025, and the fraud claim was declined due to no evidence of fraud.
  
  LendingClub is required to report all account experiencespositive and negativeto one or more of the credit bureaus. Late payments, missed payments, or other defaults on their account may be reflected in their credit report, as well as a record of on-time payments. Charge-offs result in a negative **** on their credit report. Whether they've paid off the balance, settled it, or the loan is sold, the charge-off status will stay on their credit report up to seven years. To remain fair and impartial to all borrowers, we are unable to make modifications or exceptions to our credit bureau reporting policy.
  
  We appreciate ******* **** as a valued member of LendingClub and thank you for the chance to respond to their complaint. If ******* **** has further questions about this complaint, please have them contact LendingClub directly by email at ******************************************* or leave a message at ************.LendingClub will respond via email to address concerns.
  

• Initial Complaint

  Date:06/20/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ***************** Amount:$37507 Date:5/30/2025 Acct#********* Section FCRA 611(a)(6)(B)(iii) and (7) of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. Fair Credit Reporting Act, 15 U.S.C. 1681s-2 Section 623(a)(8)(D) Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7).According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 *** 1681 have the right to privacy According to 15 *** 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 *** 1681 I have the right to privacy According to 15 *** 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate.

  

  Business Response

  Date: 06/24/2025

  Thank you for giving LendingClub
  Bank, N.A. (“LendingClub”) the opportunity to respond to Karine Martini
  Sahakyan’s Better Business Bureau (BBB) complaint. LendingClub strives to
  provide the very best service to our customers and appreciates their feedback.
  
  LendingClub
  provides applicants with important documents prior to loan consummation. These
  documents include the Borrower Agreement and Truth-In Lending (TIL) disclosure.
  The TIL disclosure includes important information about the loan, including the
  Annual Percentage Rate (APR) and origination fee. LendingClub requires that
  applicants review the TIL and accept the Borrower Agreement before submitting
  an application. Our records indicate Karine Martini Sahakyan reviewed the TIL
  and accepted the Borrower Agreement on May 28, 2025. To view the TIL disclosure
  and other important documentation, please have them sign into their LendingClub
  account online at lendingclub.com.
  
  LendingClub
  records confirm that Karine Martini Sahakyan received a personal loan on May
  30, 2025.
  
  Upon
  acknowledgment and acceptance of the loan terms, a borrower consents and agrees
  to LendingClub’s credit reporting policy. LendingClub complies
  with all applicable federal and state privacy and data protection laws and
  regulations and ensures that all reporting of account information is consistent
  with the Fair Credit Reporting Act (FCRA). In accordance with the FCRA,
  LendingClub provided a thorough investigation of their account, and it was confirmed
  that all account information has been accurately reported.
  
  LendingClub is
  required to report all account experiences—positive
  and negative—to one or more of the credit bureaus. Late payments, missed
  payments, or other defaults on their account may be reflected in their credit
  report, as well as a record of on-time payments. Charge-offs
  result in a negative mark on their credit report. Whether they've paid off the balance, settled it, or the loan
  is sold, the charge-off status will stay on their credit report up to seven
  years. To
  remain fair and impartial to all borrowers, we are unable to make modifications
  or exceptions to our credit bureau reporting policy.
  
  When borrowers notify us that they
  may be a victim of identity theft, LendingClub conducts a thorough
  investigation to determine if a loan has been fraudulently obtained. Upon receipt of this
  complaint, a fraud investigation was opened. A member
  of our Fraud Investigation team will be contacting Karine Martini Sahakyan directly.
  
  We
  appreciate Karine
  Martini Sahakyan as a valued member of LendingClub and thank
  you for the chance to respond to their complaint. If Karine Martini Sahakyan has
  further questions about this complaint, please have them contact LendingClub
  directly by email at [email protected] or leave a message at
  415-767-4512 Monday-Friday 7a.m. to 4p.m. Pacific Time.
  

• Initial Complaint

  Date:06/19/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Scammed. Possibly bank fraud

  

  Business Response

  Date: 06/20/2025

  Thank
  you for giving LendingClub the opportunity to respond to Perry Little’s Better
  Business Bureau (BBB) complaint. We’re sorry to hear that Perry Little 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, Perry Little 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 888-596-3157. We can confirm the identity of LendingClub employees.
  4. File a complaint about internet-related fraud with the Internet Crime Complaint Center 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 [email protected] and reference ticket #26719118.
  7. Let us know if they shared gift card information, such as an iTunes or Google 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 IRS.
  
  Although
  the scenario above is a typical advanced fee scam, fraudsters frequently change
  their methods. They may also ask for a victim’s 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 Perry
  Little has further questions about protecting themselves from scams, they may
  visit https://www.lendingclub.com/loans/resource-center/safety-and-privacy or
  contact [email protected] to forward the details listed above. 

• Initial Complaint

  Date:06/18/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I paid for services to a merchant, the services were never done, so the merchant, in writing, said they would refund me. After months of back and forth, the merchant still has not refunded me. So I contacted LendingClub to file a dispute. It was obviously past their 60-day dispute window. But I explained this was because I was waiting for the merchant to refund me, why would I simultaneously file a dispute with the bank? They were callous in their refusal to understand the situation and flat out declined the dispute without considering it.

  

  Business Response

  Date: 06/27/2025

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ********************* Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service and appreciates their feedback.
  
  On August 1, 2024, a payment in the amount of $20,010.00 titled Oak ***** ****** FACTS, was withdrawn from **** ****** account. They contacted LendingClub on June 12, 2025 to submit a claim for the transaction, along with two additional transactions from the same merchant that took place on December 30, 2024 in the amounts of $300.00 and $270.00. They informed LendingClub that the payments were intended as tuition for their sons school. Although the transaction was authorized, due to a natural disaster, they stated the school was destroyed and could not offer the second semester that was paid for. They also indicated that the school had informed them to expect a refund for the services they were unable to provide by June 2025. 
  
  LendingClub filed a claim on **** ****** behalf on June 12, 2025. In most cases, a claim must be filed within 60 days of the statement period a disputed transaction occurs. LendingClub informed **** ***** on June 13, 2025, their claim was not found in their favor. On the same date, **** ***** requested LendingClub reconsider the claim. In furtherance of their request, they forwarded an email thread displaying the request for a refund with the merchant. Although we recognize they attempted to pursue refund with the merchant directly, the documentation was insufficient to impact the outcome of their claim. LendingClub recommends continuing to work with the merchant to pursue a refund.  
  
  We appreciate the opportunity the BBB 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 - Saturday 8:00 a.m. to 8:00 p.m. Eastern Time.
  
  

  Customer Answer

  Date: 06/28/2025

   
  Complaint: 23488669
  
  I am rejecting this response because:

  The two transactions should have been evaluated separately.  Also, the amount was in error.  The reason I waited past 60 days was that the merchant said they would refund me.  The primary dispute is with the December 2024 transactions.  

  Sincerely,
  
  **** *****

  

  Business Response

  Date: 07/07/2025

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ********************* Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service and appreciates their feedback.
  
  In most cases, a claim must be filed within ***************************************************************** circumstances where multiple transactions are submitted for dispute, LendingClub may find part of the dispute in a members favor and deny the claim for transactions determined ineligible. 
  
  **** ****** claim was not found in their favor because each of the three transactions they submitted on their dispute occurred outside the applicable timeframe. The supporting documentation was insufficient to impact our decision on their claim.
  
  We appreciate the opportunity the BBB 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 - Saturday 8:00 a.m. to 8:00 p.m. Eastern Time.
  
  

• Initial Complaint

  Date:06/16/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  i am paying for a n loan for which i did nor recd the service and i hav ebeen complaining since the beginging and now i am told time has lapse for a dispute.othe dentist office did a denture wihout doing absraction first my hsband pass away and i moved from ***** to *******. I never recd anyhing.

  

  Business Response

  Date: 06/26/2025

  Thank you for giving LendingClub Patient
  Solutions (LCPS) the opportunity to respond to Yamilets Nunez Diaz’s Better
  Business Bureau (BBB) complaint dated June 16, 2025. LendingClub strives to
  provide the very best service to our customers and appreciates their feedback.
  

  LCPS
  records report that Yamilets Nunez Diaz started an application via the provider
  Pembroke Square Dental of Pembroke Pines, Florida on March 7, 2024. The
  application was never funded and expired on May 7, 2024. LCPS has no record of
  any loans for Yamilets Nunez Diaz.
  

  We
  appreciate the opportunity to respond to Yamilets Nunez Diaz’s complaint. If
  their concerns have not been adequately resolved, please have them reach out to
  us by phone at (800) 630-1663 or email us at [email protected].

• Initial Complaint

  Date:06/16/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am submitting this formal complaint against LendingClub Bank regarding the continued and harmful reporting of an account (account number ending in *********), opened on 03/01/2023, with a listed balance of $7,656.00, appearing on my Equifax credit report. I have disputed this account multiple times, yet ******* continues to maintain it on my file without providing any verified or original documentation proving that the debt is accurate, complete, or lawfully attributed to me.Under the Fair Credit Reporting Act (FCRA), I have a legal right to accurate and verifiable information on my credit reports. According to 15 U.S.C. 1681i(a)(1)(A), Equifax is required to perform a reasonable reinvestigation of disputed items within 30 days. Despite this, I have received no documentationno signed contract, no billing history, and no account detailsfrom ********************** or ******* to confirm that this account is legitimate or lawfully reported.Additionally, 15 U.S.C. 1681i(a)(5) clearly states that any information that cannot be verified must be deleted from a consumers credit file. LendingClub and ******* have failed to meet this obligation, and their continued reporting of this questionable debt is not only inaccurateits unlawful.This situation has had a measurable and damaging effect on my financial life. The presence of this unverifiable account has contributed to credit denials, increased interest rates, and emotional distress. The burden of proof lies on the furnisher and the credit bureau, not the consumer. If LendingClub and ******* cannot provide complete and original documentation to justify this $7,656.00 charge-off, I am demanding its immediate removal. I am fully prepared to escalate this issue to federal and state agencies and seek legal remedies under 15 U.S.C. 1681n for willful noncompliance.

  

  Business Response

  Date: 06/24/2025

  Thank you for giving LendingClub
  Bank, N.A. (“LendingClub”) the opportunity to respond to Dlechia Alexander’s Better
  Business Bureau (BBB) complaint. LendingClub strives to provide the very best
  service to our customers and appreciates their feedback.
  
  LendingClub
  provides applicants with important documents prior to loan consummation. These
  documents include the Borrower Agreement and Truth-In Lending (TIL) disclosure.
  The TIL disclosure includes important information about the loan, including the
  Annual Percentage Rate (APR) and origination fee. LendingClub requires that
  applicants review the TIL and accept the Borrower Agreement before submitting
  an application. Our records indicate Dlechia Alexander reviewed the TIL and
  accepted the Borrower Agreement on March 20, 2023. To view the TIL disclosure
  and other important documentation, please have them sign into their LendingClub
  account online at lendingclub.com.
  
  LendingClub
  records show that Dlechia Alexander’s personal loan originated on March 22,
  2023. Contractual monthly payments were received on time on the loan from April
  2023 to October 2024. Our records show that they enrolled in several hardships
  over the course of the loan. A hardship plan for May 2024 and a hardship plan
  for August, September and October 2024 were completed. A third hardship plan
  was accepted on November 20, 2024. Due to non-payment for November 2024, the
  hardship plan was broken after the 15-day grace period; as such, the account
  was reported as past due to the credit bureaus from the date that the account
  went delinquent.
  
  It is the responsibility
  of the member to monitor their account, payments, and information. If a
  contractual monthly payment is not received by the contractual due date and
  becomes past due, LendingClub will attempt to reach the member whose account
  might be at risk of being negatively impacted or reported. We give all
  borrowers a 15-day grace period to make payments with no penalty. Interest will
  continue to accrue on the loan daily and if a payment is delayed, there may be
  additional interest accrued on the loan. If a payment is not received within 15
  days of the contractual due date, a late fee may be applied. If a payment is
  not received within 30 days of the contractual due date, the account may be
  turned over to a professional collection agency and negative information may be
  furnished on their credit report. LendingClub must follow our charge off policy
  if the loan becomes more than 120 days past due. The loan was charged
  off on April 15, 2025.
  
  Upon acknowledgment
  and acceptance of the loan terms, a borrower consents and agrees to
  LendingClub’s credit reporting policy. LendingClub complies
  with all applicable federal and state privacy and data protection laws and
  regulations and ensures that all reporting of account information is consistent
  with the Fair Credit Reporting Act (FCRA). In accordance with the FCRA,
  LendingClub provided a thorough investigation of their account, and it was confirmed
  that all account information has been accurately reported.
  
  LendingClub is
  required to report all account experiences—positive
  and negative—to one or more of the credit bureaus. Late payments, missed
  payments, or other defaults on their account may be reflected in their credit
  report, as well as a record of on-time payments. Charge-offs
  result in a negative mark on their credit report. Whether they've paid off the balance, settled it, or the loan
  is sold, the charge-off status will stay on their credit report up to seven
  years. To
  remain fair and impartial to all borrowers, we are unable to make modifications
  or exceptions to our credit bureau reporting policy.
  
  A
  fraud investigation was opened on June 15, 2025, when LendingClub received a
  fraud claim through the credit bureaus. The investigation was closed on June
  17, 2025 and the fraud claim was declined due to Dlechia Alexander having
  received benefit of funds. They were notified of this determination by
  mail. 
  
  We
  appreciate Dlechia Alexander as a valued member of LendingClub and thank you
  for the chance to respond to their complaint. If Dlechia Alexander has further
  questions about this complaint, please have them contact LendingClub directly
  by email at [email protected] or leave a message at
  415-767-4512. LendingClub will respond via email to address concerns.
  

• Initial Complaint

  Date:06/16/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ***************** Amount:$50647Date:5/5/2025 Acct#********* According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. Section FCRA 611(a)(6)(B)(iii) and (7) of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. Fair Credit Reporting Act, 15 U.S.C. 1681s-2 Section 623(a)(8)(D) Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7). According to 15 *** 1681 have the right to privacy According to 15 *** 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 *** 1681 I have the right to privacy According to 15 *** 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information

  

  Business Response

  Date: 06/24/2025

  Thank you for giving LendingClub
  Bank, N.A. (“LendingClub”) the opportunity to respond to Yegia Ordubekyan’s Better
  Business Bureau (BBB) complaint. LendingClub strives to provide the very best
  service to our customers and appreciates their feedback.
  
  LendingClub
  provides applicants with important documents prior to loan consummation. These
  documents include the Borrower Agreement and Truth-In Lending (TIL) disclosure.
  The TIL disclosure includes important information about the loan, including the
  Annual Percentage Rate (APR) and origination fee. LendingClub requires that
  applicants review the TIL and accept the Borrower Agreement before submitting
  an application. Our records indicate Yegia Ordubekyan reviewed the TIL and
  accepted the Borrower Agreement on May 1, 2025. To view the TIL disclosure and
  other important documentation, please have them sign into their LendingClub
  account online at lendingclub.com.
  
  LendingClub
  records confirm that Yegia Ordubekya’s personal loan originated on May 5, 2025.
  The first payment was due on June 5, 2025, but has not been received, and the
  next payment is due on July 5, 2025.
  
  When
  borrowers notify us that they may be a victim of identity theft, LendingClub
  conducts a thorough investigation to determine if a loan has been fraudulently
  obtained. Upon receipt of this
  complaint, a fraud investigation was opened. A member of our Fraud
  Investigation team will be contacting Yegia Ordubekyan directly.
  
  With that said, it is the responsibility of the member to
  monitor their account, payments, and information. If a contractual monthly
  payment is not received by the contractual due date and becomes past due,
  LendingClub will attempt to reach the member whose account might be at risk of
  being negatively impacted or reported. We give all borrowers a 15-day
  grace period to make payments with no penalty. Interest will continue to accrue
  on the loan daily and if a payment is delayed, there may be additional interest
  accrued on the loan. If a payment is not received within 15 days of the
  contractual due date, a late fee may be applied. If a payment is not received
  within 30 days of the contractual due date, the account may be turned over to a
  professional collection agency and negative information may be furnished on their
  credit report. LendingClub must follow our charge off policy if the loan
  becomes more than 120 days past due.
  
  Upon
  acknowledgment and acceptance of the loan terms, a borrower consents and agrees
  to LendingClub’s credit reporting policy. LendingClub complies
  with all applicable federal and state privacy and data protection laws and
  regulations and ensures that all reporting of account information is consistent
  with the Fair Credit Reporting Act (FCRA). In accordance with the FCRA,
  LendingClub provided a thorough investigation of their account, and it was confirmed
  that all account information has been accurately reported.
  
  LendingClub is
  required to report all account experiences—positive
  and negative—to one or more of the credit bureaus. Late payments, missed
  payments, or other defaults on their account may be reflected in their credit
  report, as well as a record of on-time payments. Charge-offs
  result in a negative mark on their credit report. Whether they've paid off the balance, settled it, or the loan
  is sold, the charge-off status will stay on their credit report up to seven
  years. To
  remain fair and impartial to all borrowers, we are unable to make modifications
  or exceptions to our credit bureau reporting policy.  
  
  We
  appreciate Yegia
  Ordubekyan as a valued member of LendingClub and thank you for the chance to
  respond to their complaint. If Yegia
  Ordubekyan has further questions about this complaint, please have them contact
  LendingClub directly by email at [email protected] or leave a
  message at 415-767-4512 Monday-Friday 7a.m. to 4p.m. Pacific Time.

• Initial Complaint

  Date:06/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Subject: Unauthorized Account on My Credit Report Dear BBB,I am writing to file a complaint regarding an unauthorized account listed on my credit report from ***************** with the account number ********* and the date 12/31/2018 for an amount of $36,000.00. I am a victim of the 2017 ************ breach, and my personal information has been misused as a result.I have filed a complaint with ***************** in relation to this identity theft, and I have enclosed the copy of this complaint for your reference. I request immediate removal of this unauthorized account from my credit report.Thank you for your assistance.

  

  Business Response

  Date: 06/20/2025

  Thank you for giving LendingClub
  Bank, N.A. (“LendingClub”) the opportunity to respond to Carol Dionne Ashley’s Better
  Business Bureau (BBB) complaint. LendingClub strives to provide the very best
  service to our customers and appreciates their feedback.
  
  LendingClub
  provides applicants with important documents prior to loan consummation. These
  documents include the Borrower Agreement and Truth-In Lending (TIL) disclosure.
  The TIL disclosure includes important information about the loan, including the
  Annual Percentage Rate (APR) and origination fee. LendingClub requires that
  applicants review the TIL and accept the Borrower Agreement before submitting
  an application. Our records indicate Carol Dionne Ashley reviewed the TIL and
  accepted the Borrower Agreement on December 22, 2018. To view the TIL
  disclosure and other important documentation, please have them sign into their
  LendingClub account online at lendingclub.com.
  
  LendingClub
  records confirm that Carol Dionne Ashley received a personal loan. Contractual
  monthly payments were received on the loan from January 2019 to March 2020 and
  from August 2020 to May 2021. Our records also confirm that Carol Dionne Ashley
  completed payment deferments from April 2020 to May 2020, and from June 2020 to
  July 2020, where no payments were due during those months, and the contractual
  monthly obligations were deferred to the end of the loan term.
  
  It is the responsibility
  of the member to monitor their account, payments, and information. If a
  contractual monthly payment is not received by the contractual due date and
  becomes past due, LendingClub will attempt to reach the member whose account
  might be at risk of being negatively impacted or reported. We give all
  borrowers a 15-day grace period to make payments with no penalty. Interest will
  continue to accrue on the loan daily and if a payment is delayed, there may be
  additional interest accrued on the loan. If a payment is not received within 15
  days of the contractual due date, a late fee may be applied. If a payment is
  not received within 30 days of the contractual due date, the account may be
  turned over to a professional collection agency and negative information may be
  furnished on their credit report. LendingClub must follow our charge off policy
  if the loan becomes more than 120 days past due. Our records confirm
  that the loan was charged off on October 31, 2021. In accordance with our
  policy, the loan was sold to Sherman Originator III LLC on November 23, 2021. Please note as the loan has been
  sold, any request received for validation will be sent to the debt buyer. If
  Carol Dionne Ashley would like to discuss their account, please have them contact Sherman Originator III LLC at 888-665-0374.
  
  Upon acknowledgment
  and acceptance of the loan terms, a borrower consents and agrees to
  LendingClub’s credit reporting policy. LendingClub complies
  with all applicable federal and state privacy and data protection laws and
  regulations and ensures that all reporting of account information is consistent
  with the Fair Credit Reporting Act (FCRA). In accordance with the FCRA,
  LendingClub provided a thorough investigation of their account, and it determined
  an update was necessary to correct a minor inaccuracy in their payment history;
  it was confirmed that all other account information had been accurately
  reported. Please allow the credit bureaus forty-five (45) days or more to
  process the new information to their report.
  
  LendingClub is
  required to report all account experiences—positive
  and negative—to one or more of the credit bureaus. Late payments, missed
  payments, or other defaults on their account may be reflected in their credit
  report, as well as a record of on-time payments. Charge-offs
  result in a negative mark on their credit report. Whether they've paid off the balance, settled it, or the loan
  is sold, the charge-off status will stay on their credit report up to seven
  years. To
  remain fair and impartial to all borrowers, we are unable to make modifications
  or exceptions to our credit bureau reporting policy.  
  
  When
  borrowers notify us that they may be a victim of identity theft, LendingClub
  conducts a thorough investigation to determine if a loan has been fraudulently
  obtained. Upon receipt of their complaint, a fraud investigation was opened.
  The investigation was closed on June 18, 2025, and the claim was denied for
  them having received benefit of funds. Carol Dionne Ashley was notified of this
  determination via mail.
  
  We
  appreciate Carol
  Dionne Ashley as a valued member of LendingClub and thank
  you for the chance to respond to their complaint. If Carol Dionne Ashley has
  further questions about this complaint, please have them contact LendingClub
  directly by email at [email protected] or leave a message at
  415-767-4512 Monday-Friday 7a.m. to 4p.m. Pacific Time.

• Initial Complaint

  Date:06/12/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I got a call from a PRIVATE NUMBER about an hour ago from a man with an Indian accent I think he said his name was ****. He said he wanted to talk to me about a loan I applied for. I asked what company he said trust lend in *******, **. However I knew I didn't apply to any such company. I asked him where he got my name and phone number from he said lending club I am filing this on. This trust lend does not exist and then he preceded to laugh saying he has my bank and account numbers. Started telling me I bank with Usaa checking account. I stopped him in his tracks said the number can be traced back, he laughed again. I hung up called ************ got ******* and I was asking him just what type of loan place they were and if they send out our applications or info to anyone else. This guy started talking in complete circles, would not allow me to speak to a supervisor, says I never applied which on automated system it clearly states I applied may 21 2025. I think this company may be giving or selling my information to other companies and I WANT ALL MY RECORDS DELETED FROM THEIR DATABASE, MY NAME OHONE NUMBER, ACCOUNT NUMBERS EVERYTHING DELETED! THAT IS IT! THAT IS ALL.

  

  Business Response

  Date: 06/17/2025

  Thank you for giving LendingClub the
  opportunity to respond to Adriane Thomas’ Better Business Bureau (BBB)
  complaint.
  

  LendingClub records report that Adriane
  Thomas checked their rates with us on May 21, 2025. They were sent an Adverse
  Action notice on this same day. The specific reasons why their loan application
  was declined are provided in the Adverse Action notice. They can view their
  Adverse Action notice by navigating to their online account to the Loan
  Documents page from lendingclub.com.?They may learn more about our Privacy
  Policy and Terms of Use at www.lendingclub.com.  
  

  Federal and state laws require us to
  retain account information for a period of time, so we can’t delete it entirely
  until the required record retention period expires. Retaining this information
  is required of all online and offline financial services companies.
  

  We’re sorry to hear that Adriane Thomas
  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, Adriane Thomas
  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 888-596-3157. We can confirm the identity of LendingClub employees.
  File a complaint about internet-related fraud with the Internet Crime Complaint Center 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 [email protected] and reference ticket #26717645.
  Let us know if they shared gift card information, such as an iTunes or Google 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 IRS.
  

  Although the scenario above is a typical advanced fee scam,
  fraudsters frequently change their methods. They may also ask for a victim’s
  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 Adriane
  Thomas has further questions about protecting themselves from scams, they may
  visit https://www.lendingclub.com/loans/resource-center/safety-and-privacy or
  contact [email protected] to forward the details listed above.