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

  
• 

  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

• 

  Lending Club Patient Solutions

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

  

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:06/05/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  

  Business Response

  Date: 06/13/2025

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to Hannah ********* Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  
  LendingClub previously addressed Hannah ********* complaint on February 14, 2025.
  
  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 January 16, 2022. To view the TIL disclosure and other important documentation, please have them sign into their LendingClub account online at **************************.
  
  LendingClub records indicate that ****** ******** received a balance transfer loan on January 19, 2022. Contractual monthly payments were received on the loan from February 2022 to May 2024.
  
  LendingClub believes in doing the right thing for all of our members. When members contact us about a financial hardship, we will offer options within our guidelines.LendingClub allows members to permanently move their payment due date, and borrowers may 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 hardship, they may be eligible for a hardship payment plan. Our records indicate ****** ******** enrolled in a reduced payment hardship plan from July 2024 to September 2024.
  
  To successfully complete the reduced payment plan, a borrower must make their payments within 15 days of the agreed upon hardship plan due dates. If the hardship plan is broken, they will be responsible to pay any past due monthly payments that were not fully paid, the account will be in late status and will be reported as past-due status, and the entire past due balance becomes due on the loan. ***** ********* payment was due on July 19, 2024. Their hardship plan was broken due to non-payment on August 4, 2024.
  
  It is the responsibility of the member to monitor their account, payments, and information. If a contractual monthly payment is not received by the contractual due date and becomes past due, LendingClub will attempt to reach the member whose account might be at risk of being negatively impacted or reported. We give all borrowers a 15-day ***** period to make payments with no penalty. Interest will continue to accrue on the loan daily and if a payment is delayed, there may be additional interest accrued on the loan. If a payment is not received within 15 days of the contractual due date,a late fee may be applied. If a payment is not received within 30 days of the contractual due date, the account may be turned over to a professional collection agency and negative information may be furnished on their credit report. LendingClub must follow our charge off policy if the loan becomes more than 120 days past due. Due to non-payment and account delinquency, the loan was charged off on October 31, 2024. In accordance with our policy, the loan was sold to ************************* on November 26, 2024. Please note as the loan has been sold, any request received for validation should be sent to the debt buyer. If ****** ******** would like to discuss their account, please have them contact ************************* at ************.
  
  A fraud investigation was opened on December 13, 2024, when LendingClub received a fraud claim through the credit bureaus. The investigation was closed on December 16, 2024, and the fraud claim was declined due to them having implied knowledge of the loan since inception and them having received benefit of funds. ****** ******** was notified of this determination by mail.
  
  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 determined an additional update was required to again report the tradeline to the credit bureaus, where they were not reporting the account information. It was confirmed that all account information had been reported correctly where displayed. Please allow the credit bureaus forty-five (45) days or more to process the updated information.
  
  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 have 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 ************ Monday-Friday 7a.m. to 4p.m. Pacific Time.
  

• Initial Complaint

  Date:06/05/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  

  Business Response

  Date: 06/12/2025

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ***** Fords 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 November 18, 2024.
  
  LendingClub provides applicants with important documents prior to loan consummation. These documents include the Borrower Agreement and Truth-In Lending (TIL) disclosure.The TIL disclosure includes important information about the loan, including the Annual Percentage Rate (APR) and origination fee. LendingClub requires that applicants review the TIL and accept the Borrower Agreement before submitting an application. Our records indicate ***** **** reviewed the TIL and accepted the Borrower Agreement on April 13, 2022. To view the TIL disclosure and other important documentation, please have them sign into their LendingClub account online at **************************.
  
  LendingClub records indicate that ***** **** received a joint applicant, personal loan on April 15, 2022. Contractual monthly payments were received on the loan from May 2022 to December 2022, and February 2023 to July 2023. Thereafter, the loan became delinquent.
  
  It is the responsibility of the member to monitor their account, payments, and information. If a contractual monthly payment is not received by the contractual due date and becomes past due, LendingClub will attempt to reach the member whose account might be at risk of being negatively impacted or reported. We give all borrowers a 15-day ***** period to make payments with no penalty. Interest will continue to accrue on the loan daily and if a payment is delayed, there may be additional interest accrued on the loan. If a payment is not received within 15 days of the contractual due date, a late fee may be applied. If a payment is not received within 30 days of the contractual due date, the account may be turned over to a professional collection agency and negative information may be furnished on their credit report. LendingClub must follow our charge off policy if the loan becomes more than 120 days past due. ***** ***** last payment was received on August 10, 2023, to satisfy the July 2023 contractual monthly obligation. Due to non-payment and account delinquency, the loan was charged off on December 15, 2023. In accordance with our policy, the loan was sold to ************************* on January 30, 2024. 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 ************.
  
  A fraud investigation was opened on June 10, 2024, when LendingClub received a fraud claim through the credit bureaus. The investigation was closed on July 3, 2024,and the fraud claim was closed due to no contact from ***** ****.
  
  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 all account information has been accurately reported.
  
  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 ************ Monday-Friday 7a.m. to 4p.m. Pacific Time.
  

• Initial Complaint

  Date:06/05/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Lending Club falsely reported me as deceased to Equifax. I disputed that report and they reaffirmed it.They stonewall through their phone system and refuse prompt action or escalation.This exposes me to the risk that another existing creditor might make a management review inquiry, see this flag (my Equifax report is currently tagged unscorable), and freeze / close accounts I rely on.

  

  Business Response

  Date: 06/13/2025

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ****** Smiths Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  
  LendingClub records indicate that ****** ***** has had four (4) loans originate through our LendingClub platform. For the purposes of this complaint LendingClub will be addressing the loans ending in x113 and x874.
  
  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. To view the TIL disclosure and other important documentation, please have them sign into their LendingClub account online at **************************.
  
  LendingClub records indicate that for loan x113, ****** ***** received a $35,000.00 loan that originated on December 8, 2016. Contractual monthly payments were received on the account from January 2017 to October 2020. Thereafter, the loan became delinquent.
  
  For the loan ending in x874, ****** ***** received a $29,375 personal loan that originated on July 8, 2019. Contractual monthly payments were received on the account from August 2019 to October 2020.Thereafter, the loan became delinquent.
  
  It is the responsibility of the member to monitor their account, payments, and information. If a contractual monthly payment is not received by the contractual due date and becomes past due, LendingClub will attempt to reach the member whose account might be at risk of being negatively impacted or reported.  We give all borrowers a 15-day ***** period to make payments with no penalty. Interest will continue to accrue on the loan daily and if a payment is delayed, there may be additional interest accrued on the loan. If a payment is not received within 15 days of the contractual due date, a late fee may be applied. If a payment is not received within 30 days of the contractual due date, the account may be turned over to a professional collection agency and negative information may be furnished on their credit report. LendingClub must follow our charge off policy if the loan becomes more than 120 days past due. For the loan ending in x113, the account charged off on March 31, 2021 while the loan ending in x874 was charged off on March 31, 2021.
  
  Our records indicate that a settlement agreement was reached for loan x113, with the payment received on September 20, 2022, completing the settlement, and for loan x874,payment was received on September 20, 2022, completing the settlement.
  
  Dut to a technical error, ****** ***** was incorrectly ****ed as deceased in our internal system. 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 there was an inaccuracy in the credit reporting for their loan. An update was sent to the credit bureaus to reflect that ****** ***** is not deceased. Please allow up to forty-five (45) days for the credit bureaus to process the new information.
  
  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 promptly respond via email to address concerns.
  

  Customer Answer

  Date: 06/15/2025

   
  Complaint: 23428046
  
  I am rejecting this response because: it fails to address the lack of immediate follow up to what they describe as a "technical issue.  In itself that failure represnts actionable negligence.  There's a lot of history around my loans and settlements no explanation of the failure to immediately correct their error, failure to provide an immediate escalation path and failure to make the promisded manager call "within 24 to 48 hours".  

  They absolutely violated the Fair Credit Reporting Act by reaffirming the false report that I am deceased to Equifax.  This was absolutely gross negligence.

  Something more than an explanation is required here, pending my discussions with attorneys.  They admit they made an error, they falsely compounded the error with an inaccurate rejection of my dispute to the ***, and stonewalled through their phone support.

  I propose they offer a complete non-disclosure regarding all my business with them as compensation.
  
  Sincerely,
  
  ****** *****

  

  Business Response

  Date: 06/18/2025

  Thank you for giving LendingClub Bank, N.A. ("LendingClub") the opportunity to respond to ****** Smiths 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 13, 2025 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 leave a message at ************ Monday-Friday 7a.m. to 4p.m. Pacific Time.

  Customer Answer

  Date: 06/18/2025

   
  Complaint: 23428046
  
  I am rejecting this response because while they admit they improperly reported me as deceased then fraudulently confirmed that reporting when I disputed this to QEquifax they offer no explanation for their stonewalling, lack of promised manager contact and general disdain for the requirements of the Fair Credit Reporting Act.
  
  Sincerely,
  
  ****** *****

• Initial Complaint

  Date:06/04/2025

  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.

  Complaint Against: ************ Issue: Refusal to negotiate payment plan, aggressive reporting, and failure to offer reasonable alternatives before charging off ********** husband and I took out a $32,000 loan with ************ in January 2022 to consolidate medical and fertility-related debts. We remained in good standing for over a year and successfully completed a hardship program in 2023. In December 2024, I lost my job and made multiple calls to ************ attempting to establish a reduced payment plan. Despite consistent communication and a $500 payment made on March 14, 2025, ************ marked the loan charged off on March 17just three days later, without warning.The loan was then transferred to Credit Control, who did work with us. But ************s refusal to negotiate has severely impacted our credit. We asked them to remove the charged off status as a goodwill adjustment but were denied.This derogatory status is now preventing us from getting a mortgage to buy a generational family home. We feel their practices are unnecessarily punitive and unreasonably rigid, and we are seeking help from the BBB to resolve this and have the remark removed.Desired Outcome: Removal of charged off status from credit reports, and acknowledgment of their failure to reasonably accommodate us.

  

  Business Response

  Date: 06/12/2025

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ******** Berkowskis 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 December *******. To view the TIL disclosure and other important documentation, please have them sign into their LendingClub account online at **************************.
  
  LendingClub records show that ******** Berkowskis loan originated on December 13, 2021. Contractual monthly payments were received on the loan from January 2022 to January 2023, for June 2023, and from April 2024 to October 2024. Thereafter, the loan became delinquent.
  
  LendingClub believes in doing the right thing for all of our members. When members contact us about a financial hardship, well offer options within our guidelines.LendingClub allows members to permanently move their payment due date, and borrowers may 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 hardship, they may be eligible for a hardship payment plan. Our records indicate ******** ********* enrolled in and successfully completed a reduced payment hardship plan from March 2023 to May 2023. Our records also confirm that a second hardship plan was applied to the account in November 2023 to extend the loan terms to resolve the account delinquency.
  
  It is the responsibility of the member to monitor their account, payments, and information. If a contractual monthly payment is not received by the contractual due date and becomes past due, LendingClub will attempt to reach the member whose account might be at risk of being negatively impacted or reported.  We give all borrowers a 15-day ***** period to make payments with no penalty. Interest will continue to accrue on the loan daily and if a payment is delayed, there may be additional interest accrued on the loan. If a payment is not received within 15 days of the contractual due date, a late fee may be applied. If a payment is not received within 30 days of the contractual due date, the account may be turned over to a professional collection agency and negative information may be furnished on their credit report. LendingClub must follow our charge off policy if the loan becomes more than 120 days past due. ******** Berkowskis last payment was received on March 14, 2025, but it did not make the account current. Due to non-payment and account delinquency, the loan was charged off on March 17, 2025. Our records indicate that ******** ********* accepted a settlement agreement on May 8, 2025.
  
  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 promptly respond via email to address concerns.
  

• Initial Complaint

  Date:06/04/2025

  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've been receiving mail from LendingClub for "******* ******" over a year now. This person doesn't live here. I return the mail indicating on the mail that this person doesn't live here, but the mail still keeps coming. I called into LendingClub and the representative doesn't know how to stop the mail since my name is not on the letter. I am the owner of the address below and the sole person who live there only. If LendingClub can stop the mail for "******* ******" from coming to this address, that will be appreciated.**************************************

  

  Business Response

  Date: 06/11/2025

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ******* Macs Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  
  In response to ******* Macs request,we have updated their account privacy and opt-out preferences to reflect their choice to opt out of the following types of sharing:
  
  *Marketing
  *Customized Offers
  *Non-affiliated Companies
  *Affiliated Companies
  
  Please note, applying for future products or services will reactivate the above privacy and opt-out preferences.
  
  Additionally, LendingClub records confirm that we received a direct mail opt out request from ******* Mac on June 4, 2025. Their request was successfully processed, and they will no longer receive any mail from LendingClub to the requested address. There may be additional marketing materials already heading their way, so please allow three to five weeks for all postal mail to stop arriving at their address.
  
  We appreciate ******* Mac as a valued member of LendingClub and thank you for the chance to respond to their complaint. If ******* Mac has further questions about this complaint, please have them contact LendingClub directly by email at ******************************************* or leave a message at ************ Monday-Friday 7a.m. to 4p.m. Pacific Time. LendingClub will promptly respond via email to address concerns.
  

• Initial Complaint

  Date:06/04/2025

  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.

  Company has failed to fulfill its obligations as agreed upon. Potential fraud may have been committed upon behalf of an agent. Seeking a response from the buisness about resolving this issue before continuing into legal action.

  

  Business Response

  Date: 06/11/2025

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

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

• Initial Complaint

  Date:06/04/2025

  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.

  the ************ solicited me to apply for a personal loan as "a very welcome" client and offered to loan me an amount certain and upon my acceptance send to me a full fledged contract setting forth the loan amount, the interest rate, the monthly payment, and the beginning due date. The contract was very specific and had approximately 20 places that I was required to electronically sign, which I did and returned for contract to the ************. They in turn signed the same contract and returned a fully signed contract to me for my records. The contract obligates me to pay ************ back, first payment due July 1, 2025. HOWEVER, ************ has never transferred the funds to my bank account and refuses to do so. They decline to take my telephone calls and only have one of those pre-recorded "help" centers that will not connect to a human being and will not accept any questions regarding failure to transfer funds. The result is that they can auto-withdraw monthly payments from my bank account, even though they have never funded the loan. I would never recommend dealing with a company that clearly defrauds

  

  Business Response

  Date: 06/05/2025

  Thank you for giving LendingClub the opportunity to respond to ***** Proctors Better Business Bureau (BBB) complaint. Were sorry to hear that ***** ******* could have experienced a type of fraud or scam. At LendingClub, we take pride in providing a safe and transparent online lending experience. We never ask consumers to pay fees in advance or insurance to get a loan.
  
  To protect themselves, ***** ******* should take these steps immediately:
  
  1. Do Not give their personal information or bank account information to an unknown caller.
  2. Do Not provide the account information for a prepaid debit card or gift card to an unknown caller.
  3. Call us immediately at ************. We can confirm the identity of LendingClub employees.
  4. File a complaint about internet-related fraud with the ******************************* at *******************************
  5. Report the **** to their state's attorney general. They can find their state's contact information at ******************************.
  6. If the scammer emailed them, they may forward the email with the original subject line to ************************************** and reference ticket #********.
  7. Let us know if they shared gift card information, such as an iTunes or ****** Play card. We may ask them to provide us with the gift card numbers to help us report the scammers.
  
  Unfortunately,scammers may contact people saying they represent a major financial services company. Sometimes they pretend to be LendingClub and offer personal loans with attractive terms. These fraudsters may tell victims to buy a prepaid debit card or gift card to pay a loan application fee. Then, they ask for the card number,supposedly to verify the account and send the victim the money. Instead, they take the money for themselves. The scammers may ask victims to pay extra fees,allegedly to fix problems with their Social Security number, credit report, or issues with the ***.
  
  Although the scenario above is a typical advanced fee scam, fraudsters frequently change their methods. They may also ask for a victims bank account number, username,or password. They may even request their birthdate or Social Security number,leaving victims vulnerable to ID theft and other scams.
  
  If ***** ******* has further questions about protecting themselves from scams, they may visit ******************************************************************************* or contact ************************************** to forward the details listed above. 

• Initial Complaint

  Date:06/04/2025

  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.

  I was supposed to take out a loan. But they said that I had to pay $200 because of my low credit score. Then they said I had to pay $300 more in order for the loan to be deposited ***** account. So I said I want the $200 I paid back. They said that I had to wait a month to get it back. It is now June and I called them to confirm when I will get the refund. And they cursed me out with foul language.

  

  Business Response

  Date: 06/11/2025

  Thank you for giving LendingClub the opportunity to respond to Xavier ********* 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 ******************************* at ************************************;
  Report the scam to their state's attorney general. They can find their state's contact information at ******************************. 
  If the scammer emailed them, they may forward the email with the original subject line to ************************************** and reference ticket #********. 
  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 IRS.  
  

  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 ******************************************************************************* or contact ************************************** to forward the details listed above.  

  
  

• Initial Complaint

  Date:06/04/2025

  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.

  COLLECTION AGENCY is violating the Customer Name, they removed it from one bureau and did not removed it from rest of the bureaus.

  

  Business Response

  Date: 06/12/2025

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ***** Browns Better Business Bureau (BBB) complaint dated June 4, 2025. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  

  When LendingClub receives an application request, we provide applicants with important documents prior to loan consummation. These documents include the Borrower Agreement and Truth-In Lending (TIL) disclosure.The TIL disclosure includes important information about their loan, including the Annual Percentage Rate (APR) and origination fee. LendingClub requires that applicants review the TIL and accept the Borrower Agreement before submitting an application. Our records indicate ***** ***** reviewed the TIL and accepted the Borrower Agreement on March 10, 2022. To view the TIL disclosure and other important documentation, please have them sign into their LendingClub account online at **************************.
  

  LendingClub records report that ***** Browns personal loan originated on March 11, 2022. Contractual monthly payments were received on time on the loan from April 2022 to July 2023.
  

  We give all borrowers a 15-day ***** period to make payments with no penalty. Interest will continue to accrue on the loan daily and if a payment is delayed, there may be additional interest accrued on the loan. If a payment is not received within 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, their loan was charged off on December 15, 2023. In accordance with our policy, ***** Browns loan was sold to ************************* on October 31, 2024. As their loan has been sold, any request for validation should be directed to the debt buyer. If they have additional questions regarding their account, please have them contact ********************, LLC at ************.
  

  Upon acknowledgment and acceptance of the loan terms, a borrower consents and agrees to LendingClubs credit reporting policy. LendingClub reports all account experiencespositive and negativeto one or more of the credit bureaus. Late payments, missed payments,or other defaults on their account may be reflected in their credit report, as well as a record of on-time payments. Charge-offs result in a negative **** on their credit report. Whether they have paid off the balance, settled it, or the loan is sold, the charge-off status will stay on their credit report for up to seven years. In accordance with the ***** LendingClub provided a thorough investigation of their account, and it was confirmed that all account information has been accurately reported.
  

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

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

• Initial Complaint

  Date:06/02/2025

  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.

  My dental group opened up a credit line in order to complete some dental work. I have been paying as spon as I received the bill and every single time their is a late fee. My payment is 6 to 10 times above the minimum payment. I have asked them numerous times to remove the late fees and they refuse. I finally sent them the final payment which was 5 times the minimum amount and closed the account only to receive anorher bill stating it is the late fee. I asked them to remove this and the representative said they are only able to add charges and not remove them as my bill is closed. He also stated that if the late fee is not paid that they will continue to accrue charges onto that bill. I have already paid that bill in full, before the due date and want to recover some of those late fees, I also want to close the bill completely.

  

  Business Response

  Date: 06/11/2025

  Thank you for giving LendingClub Patient Solutions (LCPS) the opportunity to respond to ******** Petersens Better Business Bureau (BBB) complaint dated June 2, 2025. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  

  LCPS records report that ******** ******** submitted a credit application on October 26, 2022. Please note that while **** handles the application process for financing, we do not service accounts. ******** Petersens credit account originated through ********************* (***), who is responsible for servicing their account.
  

  Please have ******** ******** reach out to *** directly about the servicing of their account. They can reach Comenity ************************* by phone at **************, Monday- Saturday 8a.m. - 9p.m.EST.
  

  We appreciate the opportunity to respond to ******** Petersens complaint. If their concerns have not been adequately resolved,please have them reach out to us by phone at ************** or email us at *********************************************************************.