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

  PO Box 56480 Portland, OR 97238-6480

• 

  LendingClub Corporation

  71 Stevenson St. #301 Jackson, MS 39201

• 

  Lending Club

  7550 Corporate Way Eden Prairie, MN 55344-2045

• 

  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:05/29/2025

  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 was contacted by this company stay in that. I had been approved for a loan that I it was online, put in my information in to get so that I can pay some backed up bills. And on that day, May 21st I was contacted right at that an hour. Of doing the application that I thought was being Accurate with the company and it led to this. Losing out on $260. Thinking that I was going to get a loan of $2000 or $5000 to pay back bills once realizing it was a scam, I. Reached out to the real company. Left them an email, and they instructed me here to this Website to put my complaint in. They also have my bank account information.And that sensitive information they have, but I have been following the instructions that the real company told me to do. Now, I just need help from you guys put a stop to them and I just want my money back. I don't think the real company should face any. Problems, because they had nothing to do with it. But at the same time, this has put ahold on me, getting a loan to pay off my bills.Even if I can get compensated. That's fine with me. If I can't, that's fine with me, but I would appreciate to receive some type proof that this will be handle to stop these guys. So it won't happen to other people.I'm scared to fill out any applications for any other loans for any other company. Not knowing if it's gonna happen again. So I'd rather be compensated for my troubles, if applicable. If not at least my money back, I gave proof and everything to show that I lost that money. To them scammers.

  

  Business Response

  Date: 05/30/2025

  Thank you for giving LendingClub the opportunity to respond to ****** ***** Better Business Bureau (BBB) complaint. Were sorry to hear that ****** **** could have experienced a type of fraud or scam. At LendingClub, we take pride in providing a safe and transparent online lending experience. We never ask consumers to pay fees in advance or insurance to get a loan.
  
  To protect themselves, ****** **** should take these steps immediately:
  
  1. Do Not give their personal information or bank account information to an unknown caller.
  2. Do Not provide the account information for a prepaid debit card or gift card to an unknown caller.
  3. Call us immediately at ************. We can confirm the identity of LendingClub employees.
  4. File a complaint about internet-related fraud with the ******************************* 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:05/29/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Greeting, I currently have three personal loans with ************ Corporation. I first took a loan out with them when I lived in ******** from *********. I took a personal loan out for ****** dollars and paid them in full way before I was supposed to finish. I doubled down on my payments. My APR was extremely high as well. But I didnt recognized it at the time. The second loan I took out with ************ was for ***** dollars and they used their baby sister ******* Tree and my APR was high as well now that Im dealing with ************ again for the third, fourth, and fifth time. I currently took a personal loan third time for ***** at *****% , the fourth loan was for ***** again at *****%, and last I took my fifth loan out with them for ****** at *****%. I just called and ask how much APR is being taken out of my loan for all three loans a lending Club representative gave me all three numbers. The reason why I asked was because ************ is allowing me to know what they are doing to me and that other customers with your amounts of loans are paying way less than you are. I know that Im being racial discriminated against because Im black and female and I my counter partners who are white are paying much less. I would like an investigation into matter because I paid them the first two loans in full and paid off and they should had taken that in consideration when I came back the third, fourth, and fifth time. Covid affected me and I had no choice but to take out the other last three loans to survive. Now Im almost finish with the two ***** dollar loans and I can probably now be able to stay on track with not having to split my loan of ****** every month in half. I really need clarity and answers and justice. I will never again have to take anymore loans out with ************ ever again. Im in a better living lifestyle situation.

  

  Business Response

  Date: 06/05/2025

  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 strives to make all loan decisions fairly and in alignment with Fair Lending requirements. LendingClub has an automated system that considers only factors relevant to determining ability and willingness to repay a loan which may include income, credit score, outstanding debt, employment status and recent credit activity. LendingClub does not consider an applicants race, color, national origin, religion, age, ***, gender identity, sexual orientation, marital status, familial status, or disability.
  
  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. Once all terms and conditions have been acknowledged and accepted, no changes can be made, including the interest rate and monthly payment amount. Our records indicate **** ****** reviewed the TIL and accepted the Borrower Agreements on February 26, 2019, September 28, 2021, December 19, 2021, May 29, 2022, and August *******. To view the TIL disclosure and other important documentation, please have **** ****** sign into their LendingClub account online at **************************.
  
  The APR on personal loans currently ranges from 6.34% APR to *****%, depending on a borrowers credit score, loan amount,loan term, and credit usage history. LendingClub Bank, N.A., a national bank,is permitted to export rates and fees from its home state of **** under the ************* Act and Depository Institutions deregulation and Monetary Control Act (DIDMCA). The APR includes the yearly interest rate and the origination fee.
  
  The personal loans **** ****** received are fully amortizing loan with LendingClub. The amortized interest amount is a greater portion of the monthly payment at the beginning of the loan. As they make payments the interest portion of their monthly payment will decrease, and a greater portion of their monthly payment will be applied to their principal balance. Borrowers are also able to make extra principal payments that are applied to the principal balance, which decreases the total cost of the loan,and the total interest paid over the life of the loan. It is important to note that interest accrues on the loan daily and if a payment is delayed, there may be additional interest accrued on the loan. When a payment is received, the accrued daily interest is first satisfied, and the remaining is applied to the principal balance.
  
  Upon receipt of this complaint, a thorough investigation was conducted; it has been confirmed that all payments have been accurately allocated to the principal and interest balances as necessary and that the remaining account balances are correct.
  
  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. LendingClub will promptly respond via email to address concerns.
  

  Customer Answer

  Date: 06/05/2025

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

• Initial Complaint

  Date:05/28/2025

  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.

  ***************** ******XX 11/29/2016 $0.00 (Experian)I am submitting this formal complaint regarding the continued and unlawful reporting of a charged-off account from ***************** on my Experian credit report, despite a balance of $0.00 and no verifiable documentation ever being provided to substantiate the debts legitimacy. This account, which allegedly originated on 11/29/2016, has remained as a derogatory entry that causes significant harm to my credit profile, even though no outstanding obligation exists. My ability to obtain fair credit, employment, and financial housing opportunities has been severely impacted by this inaccurate entry. ************ and ******** have failed to provide original, signed documentation or any meaningful evidence of the debts validity. This absence of verification is a direct violation of the Fair Credit Reporting Act. As outlined in 15 U.S.C. 1681i(a)(1)(A), Experian is required to conduct a reasonable reinvestigation of any disputed information and, as further stated in 1681(a)(5), delete any item that is found to be inaccurate or unverifiable. They have failed to do both. I have disputed this multiple times, and each time my complaint has been met with a generic, dismissive response that fails to reflect any real investigationmirroring the very same sham investigations recently exposed by the ***** This situation is emotionally exhausting and financially devastating, and it is unacceptable. I demand the immediate deletion of this ************ account from my Experian file unless ************ can provide complete and original documentation proving the validity and accuracy of this charge-off. The law demands it. My rights as a consumer have been violated, and I will continue escalating this matter through federal and legal channels until this account is permanently removed.

  

  Business Response

  Date: 06/05/2025

  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 November 18, 2016. 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 ending originated on November 18, 2016. Contractual monthly payments were received on time on the loan from December 2016 to September 2018.
  
  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 September 28, 2018. Due to non-payment and account delinquency, the loan was charged off on February 28, 2019. In accordance with our policy, the loan was sold to ********************* on January 19, 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 there was a minor inaccuracy in the credit reporting for their loan. An update was sent to the credit bureaus to reflect 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.
  
  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.
  
  A fraud investigation was opened on February 17, 2025 when LendingClub received a fraud claim through the credit bureaus. The investigation was closed on February 19, 2025, and the fraud claim was declined due to ******* ******* having received benefit of funds. They were notified of this determination by mail. 
  

  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:05/27/2025

  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: LENDING CLUB 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: 05/29/2025

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to **** Pierres Better Business Bureau (BBB) complaint dated May 27, 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 *******. To view the TIL disclosure and other important documentation, please have them sign into their LendingClub account online at **************************.
  

  LendingClub records report that **** Pierres personal loan originated on March 27, 2017. Contractual monthly payments were received on time on the loan from April 2017 to June 2018.
  

  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 November 15, 2018. In accordance with our policy, **** Pierres loan was sold to ************** (also known as:*************) on December 17, 2018. As their loan has been sold, if they have additional questions regarding their account, please have them contact ************* at ************. LendingClub is accurately reporting their account information.
  

  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 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. 
  

  LendingClub complies with all applicable federal and state privacy and data protection laws and regulations. In the 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 **************************.
  

  A fraud investigation was opened on April 21, 2025, when LendingClub received a fraud claim through the credit bureaus. The investigation was closed on April *******, and the fraud claim was declined due to **** ****** having received benefit of funds. They were notified of this determination by mail.
  

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

• Initial Complaint

  Date:05/27/2025

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My Name is Janie J****, and I am writing to ask for your help in filing a complaint against Lending Club. I received a Letter In the mail on March 7,2025 stating that I owed money for a loan. I DID NOT TAKE OUT A LOAN. they Even called my home. please help me resolve this matter,It would be greatly appreciated.

  

  Business Response

  Date: 06/05/2025

  Thank you for giving LendingClub
  Patient Services (LCPS) the opportunity to respond to Janie J****’ Better
  Business Bureau (BBB) complaint. LendingClub strives to provide the very best
  service to our customers and appreciates their feedback. 
  
  We are currently investigating Janie
  J****’ complaint and will be in contact with them directly with our findings.
  
  We
  appreciate Janie J**** as a valued member of LendingClub and thank you for the chance to
  respond to their complaint. If Janie
  J**** has further questions about this complaint, please have them contact
  LendingClub directly by email at ******************************** or
  phone at ************, Monday - Friday 7a.m. - 4p.m. Pacific Time. 
  

  Customer Answer

  Date: 06/06/2025

  Complaint # ******** 

  Dear ***** **

  This is Janie J****, I wanted to let you know that I did call Lending Club and they were unable to help me. When I called, the first thing they wanted to know was my full social security number. I did not feel comfortable giving that Information to anyone over the phone. I spoke to a live voice A person. I was calling because I did not take out a loan? Why would I need to give my social security number if I am disputing a loan?  I am 89 years old, And I feel like I am being scammed.please tell me what will happen now, since I didn't give them my Social security number? Please reply back. Thank you so much Sincerely,Janie J**** 

  

  Business Response

  Date: 06/11/2025

  Thank you for giving LendingClub Patient Solutions (LCPS)
  the opportunity to respond to Janie J****’ Better Business Bureau (BBB)
  complaint dated June 6, 2025. LendingClub strives to provide the very best service to our customers and appreciates
  their feedback.
  

  LCPS records indicate that Janie J**** reviewed,
  acknowledged, and electronically signed their loan documents on February 26,
  2025. Borrowers may review their documents, payment history and account
  information at any time by signing into their online account at
  **************** Their Purchase Finance Fixed Rate balance transfer loan
  originated on February 26, 2025, and the loan funds were issued to the office
  of *********** ****** ******* ****** of Fort Washington, Pennsylvania. LCPS
  confirmed with the office that Janie J**** applied for a loan with them for
  their daughter, ********, and services were rendered for their daughter.

  Contractual monthly payments were received on the loan from
  March 2025 to April 2025. Their May 26, 2025
  monthly payment is past due. Partial payments are scheduled for June 12, 2025,
  and June 26, 2025.
  

  LCPS takes our consumers’ privacy and security seriously. Before
  we can assist members with their loan account, LCPS must authenticate each member
  based on the information provided on their application. The members may need to
  provide us with their social security number, date of birth, and full first and
  last name correctly. For assistance with their loan account, please have them
  contact us by phone at ************* Monday to Friday from 5a.m. to 5p.m., and Saturday from 8a.m. to 5p.m. Pacific Time.

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

  Customer Answer

  Date: 06/12/2025

   

  Complaint #********

  Dear ***** * 

  I am requesting that you withdraw/ Close My Complaint. Thank you,So much with this matter. It has been resolved. You were such A great help to me.It is Greatly appreciated.

  Thanks so much To you and The Better Business Bureau of San Francisco 

  Sincerely, Janie J**** 

• Initial Complaint

  Date:05/23/2025

  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.

  LENDCLUB BNK - ********* - 09/01/2022 - $0.00 I am lodging a formal complaint about the inaccurate reporting of a ******** *** account appearing on my Equifax credit report with a zero balance, dated 09/01/2022. Despite several attempts to dispute this account, I have yet to receive any legitimate proof or original contractual documents from either LENDCLUB BNK or ******* confirming the validity of this entry. According to 15 U.S.C. 1681i(a)(1)(A), Equifax is legally obligated to conduct a reasonable and thorough reinvestigation within 30 days of a dispute. Additionally, under 15 U.S.C. 1681(a)(5), any information found to be inaccurate or unverifiable must be promptly corrected or deleted. ******** ongoing failure to meet these standards is unacceptable and causes significant damage to my creditworthiness and financial well-being. My attempts to obtain validationsuch as signed agreements, payment histories, or account statementshave been met with dismissive or automated responses lacking substantive review. This behavior reflects the troubling findings of recent CFPB investigations which exposed Equifaxs pattern of sham investigations, flagrantly violating federal consumer protections. The emotional strain and financial obstacles created by such negligent practices are deeply troubling. I demand immediate removal of this unverifiable LENDCLUB *** account from my Equifax report unless complete, original documentation verifying this debts accuracy is provided without delay. Should this not be resolved promptly, I will escalate the issue to the appropriate federal authorities and explore all legal remedies available.

  

  Business Response

  Date: 05/28/2025

  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 September 18, 2022. To view the TIL disclosure and other important documentation, please have them sign into their LendingClub account online at **************************. 
  
  LendingClub records confirm that **** ******* received a personal loan. Contractual monthly payments were received for October 2022, and from December 2022 to February 2023. 
  
  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 delinquency, the loan was charged off on September 29, 2023. In accordance with our policy, the loan was sold to ********* Acquisitions, LLC on July 31, 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 Resurgent Acquisitions, LLC at ************. 
  
  A fraud investigation was opened on February 16, 2025, when LendingClub received a fraud claim through the credit bureaus. The investigation was closed on February 18, 2025, and the fraud claim was declined due to 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 ***** 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 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 the opportunity to respond to **** ******** 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:05/22/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  April 30, May 6, May 17 and May 22 I have spoken to them. Each time they tell me that I should be able to add an account in my name. Each time it fails - see my attachments. They keep promising to escalate my problem, and it doesn't happen.

  

  Business Response

  Date: 05/30/2025

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ***** Knappenbergers Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service and appreciates their feedback.
  
  On or around April 28, 2025, ***** ************* contacted LendingClub to report a technical issue in which their joint account holders name appeared when attempting to submit a new application for a *************** account. ********************** opened a ticket to investigate the technical issue accordingly. LendingClub attempted an internal update on May 16, 2025 that we believed would correct the technical issue they were experiencing. ***** ************* confirmed to LendingClub on May 17, 2025 and May 22, 2025 that the technical issue was still occurring. 
  
  Following a secondary review, LendingClub identified and corrected a technical issue that was populating the name of ***** Knappenbergers joint account holder during the application process. LendingClub contacted ***** ************* by phone on May 30, 2025, and confirmed their name appeared correctly following our correction. We appreciate ***** Knappenbergers patience as LendingClub worked to resolve the technical issue they were experiencing.
  
  We appreciate the opportunity the BBB provided us to respond to ***** Knappenbergers 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: 05/30/2025

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

• Initial Complaint

  Date:05/22/2025

  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 formally dispute the account referenced under account number ********* that appears on my credit report. This account was opened without my authorization and constitutes fraudulent activity. I have no recollection of applying for or consenting to any agreement with LENDING CLUB Under 15 USC 1692g (Validation of Debts), you are required to provide verification of the debt or a copy of the judgment if I notify you in writing within *************************************************** documentation proving that I consented to this account. Without a valid, legally binding agreement bearing my signature, there is no basis for this account to exist under my name.Since this account was established fraudulently, I request its immediate removal from my credit report and that any collection activity cease. If you cannot provide proper validation within 30 days, you are required to delete this account from my record and stop further collection efforts.Please confirm receipt of this letter and notify me of the next steps to resolve this matter.

  

  Business Response

  Date: 05/28/2025

  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 September 18, 2018. To view the TIL disclosure and other important documentation, please have them sign into their LendingClub account online at **************************. 
  
  LendingClub records confirm that ******* ****** received a personal loan on September 25, 2018. Contractual monthly payments were successfully received from October 2018 to December 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 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 delinquency, the loan was charged off on May 29, 2020. In accordance with our policy, the loan was sold to ************************************ on June 25, 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 ************. 
  
  A fraud investigation was opened on May 5, 2025, when LendingClub received a fraud claim through the credit bureaus. The investigation was closed on May 6, 2025, and the fraud claim was declined due to 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 ***** 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 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 the opportunity to respond to ******* ****** 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:05/21/2025

  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 off a loan from ************ and received an overage check for $531.76 on 11-29-22. That unopened mailed appare ntly fell behind my dresser & was found on 12-16-24. I called ******************* told me my check had been sent to ********************** as of 12-01-24. Several searches and an email from ******************* confirm there has never been a refund check submitted to the Ca.Controller's ********* latest search was today 05-21-25.I have spoken to ************ on 12-16-24 initially. I have since then spoken to ***** on 2-14-25, who said she would investigate & reissue check. I then spoke to ****** on 4-17-25, who said my check will be or has been reissued.I called today, 5-21-25 and spoke to **** who said they would not reissue my check because it was turned over to the Ca. ************************** I need help to resolve this issue. Thank you.

  

  Business Response

  Date: 05/29/2025

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to **** Cassatts Better Business Bureau (BBB) complaint dated May 21, 2025. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  

  LendingClub records report that we reissued another refund check to **** ******* in the amount of $531.76 on September 22, 2023. The check was sent to their confirmed address on file. Our records report that the refund check was cashed on October 6, 2023. No further refund is due.
  

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

• Initial Complaint

  Date:05/21/2025

  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 obtain a loan from lending club i paid 80 % of loan i had a payment schedule on 11/2524 due to holiday i forgot to make payment and as soon as i realize i double paid 12/2024 , they retracted all payments made from 09/2024, 10/2024 and totalling ****** of which they didnt credit my account and reported i was 3 mos late on my credit report dropping it from a 6800 to 560 . as of 01/01/2025 it was stated i owed ****** i have since paid that amount and they wont adjust the amount owed and correct the balance. when i call the repswont give me a supervisor and stating i still owe 612 which is inncorrect

  

  Business Response

  Date: 05/29/2025

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ***** Underhills 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 *******. To view the TIL disclosure and other important documentation, please have them sign into their LendingClub account online at **************************.
  
  LendingClub records show that ***** Underhills personal loan originated on March 25, 2022.Contractual monthly payments were received on the loan from April 2022 to December 2024. Our records show that they enrolled in a hardship plan from September 2024 to November 2024. Due to non-payment for November 2024, the hardship plan was broken after the 15-day ***** ******* as such, the account was reported as past due to the credit bureaus from the date that the account went delinquent. This information was disclosed to ***** ********* in the hardship documents they received upon acceptance of the hardship agreement.
  
  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.
  
  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: 05/29/2025

   
  Complaint: 23360620
  
  I am rejecting this response because: I aid the missed payment before the ***** period on December 8 of 24 within ***** period they still reversed my payment for September and October and reported to the bureau as if I had missed 3 consecutive payments which is totally false. Causing my score to drop a 100 points which is  un lawful 
  
  Sincerely,
  
  ***** *********

  

  Business Response

  Date: 06/03/2025

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ***** Underhills Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  
  As stated in our previous response, due to non-payment for November 2024, the hardship plan was broken after the 15-day grace ******* If a  payment is not received on-time and in full,it will cancel the hardship plan agreement, and the account will be reported as past-due from the original delinquency date, including the dates a member failed to make the required payment under the hardship plan. This information was disclosed to ***** ********* in the hardship documents they received upon acceptance of the hardship agreement.
  
  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.