ComplaintsforLendingClub Corporation

• Initial Complaint

  11/29/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I got two loans, one with ************ and one with Upgrade. My intentions were to use only one loan company but somehow I got a loan from Upgrade. So, when I was applying for Upgrades loan, they had an option to pay my ************ loan, but I decided not to go with Upgrade and use ************ because they gave me a loan instead to pay my bills, well Upgrade paid off a loan with ************ after I paid it off and they overpaid $1,925.03. I got an email from ************ on how they should proceed with the overpayment to the loan. They said to reply to the email with the necessary information which from the check: they needed the account number that was paid on ************, check amount, and paying bank, Upgrade uses **************** and the check was written to ************ not me. Well, ************ never emailed me back, so I called, and they told me that their email group was behind on their work (but I emailed them numerous times and still have not gotten a response). First call I gave them they wanted the information that I emailed them about the first time. I was told to wait 2 weeks to get my payout via the mail and that never happened (I requested a check). Then I called again and was told they returned the check back to Upgrade soon after they got it first 1-2 weeks of September. So now I am involving Upgrade in this whole mess, and they said they never received a returned check and they wanted me to do some dispute form and they couldnt check with the payee bank they go through to reverse the chargers or even to see if anything happened with the check. Apparently, the check payment is supposed to expire after so many weeks (cant recall specifically). I called ************ again and they said they had to push it to research group to find the money and where it went because Upgrade said it was cashed by ************ and I called regarding this whole situation on 11/01/2021 and now its 11/29/2021. So the issue comes down to someone lost

  

  Business response

  12/09/2021

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ******* Kapplerss Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  
  LendingClub records indicate that ******* Kapplers personal loan originated on December 9, 2020. Contractual monthly payments were received on the loan from January 2021 to August 2021. On August 19, 2021, ***************************** scheduled a one-time payment to fully pay the loan. 
  
  On August 30, 2021, LendingClub received a check payment in the amount of $1,925.03 from Upgrade to fully pay the loan. The loan was already fully paid. On October 13, 2021, LendingClub sent a check payment (check #*******) in the amount of $1,925.03 to ******************************** As per our records on December 7, 2021, the check has not yet been deposited by ***************** LendingClub has reached out to Upgrade / **************** regarding the check and Upgrade / **************** will be appropriately processing the check. Please contact Upgrade / **************** for information regarding their check processing timeframe.
  
  We appreciate ***************************** as a valued member of LendingClub and thank you for the chance to respond to their complaint. If ******* has further questions about this complaint, please have them contact LendingClub directly by email at ******************************************* or phone at ************, Monday - Friday 7am - 4pm Pacific Time.
  

  Customer response

  02/04/2022

  As per your reply ************* I contacted Upgrade regarding the check and they said it went to *************** and Upgrade could not do anything about it because they are only the lender and not the guaranteeing bank.  I then went to contact ************ regarding the situation with the listed phone number and the call went straight to voicemail, I left my info for a callback and nobody has called me back (I made this call on 12/31/2021 and I know it was New Year eve but nobody ever called me back).  Also, I sent an email on 12/27/2021 to the one that is listed in the reply and never got a reply from ************.  I was advised by Upgrade to have the check stopped and sent to them directly however at this point ************ should have done what it originally said it was going to do in an email at the end of August and just refund the money back to me.  

  *****************************

  12331 *********.

  ******************** 44125

  PH#  **************

  Email:  ********************

  

  Business response

  02/09/2022

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ******* Kapplerss Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  
  LendingClub records indicate that ******* Kapplers personal loan originated on December 9, 2020. Contractual monthly payments were received on the loan from January 2021 to August 2021. On August 19, 2021, ***************************** scheduled a one-time payment to fully pay the loan. 
  
  On August 30, 2021, LendingClub received a check payment in the amount of $1,925.03 from Upgrade to fully pay the loan. The loan was already fully paid. On October 13, 2021, LendingClub sent a check payment (check #*******) in the amount of $1,925.03 to ******************************** On February 7, 2022, Upgrade confirmed that they posted the check funds to the member in the amount of $1,925.03 on January 31, 2022 and the member was notified of the refund by Upgrade.
  
  We appreciate ***************************** as a valued member of LendingClub and thank you for the chance to respond to their complaint. If ******* has further questions about this complaint, please have them contact LendingClub directly by email at ******************************************* or phone at ************, Monday - Friday 7am - 4pm Pacific Time.

  Customer response

  02/12/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is somewhat satisfactory to me.  **************** needs to understand that when a consumer calls for any issue that should not get a different answer every call.  I shouldn't have had to do this much work to get the money back to me.  I can not recommend this company even if the problem is fixed.  But the issue is finally fixed.  
  
  Sincerely,
  
  *****************************

• Initial Complaint

  11/29/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Company continues to send me propaganda about loans. I do not desire their loans. I do not what an email, letter, phone call, or any other manner of communication from this company.

  Customer response

  12/07/2021

  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

  11/24/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On November 09, 2021, I scheduled a payment of ******** to pay off the remainder of a loan with ************* On November 15, 2021 that payment was reversed, which ************ states was as a result of the wrong account being used as the payment for this loan. I hadn't changed the account when I made the payment, and it should have come out of the same account that the auto-payments were set up to come out of. However the payment failed, I was never notified that this happened and the account reverted to the regular payments apparently on November 15. On November 22, ************ charged my "normal" payment of ******, including ****** - an addition $144 in interest fees caused by all this. At no point did they notify me that the payment had failed or that there was any issue, presumably to continue accumulating interest on the account in the meantime. I tried reaching out to ************ to find out what the issue was and why no notification was given, and so far all they've been willing to say is that I could have logged into my account apparently every day and double checked my payment history to see if there was an issue because they're not obligated to inform me if there's a problem. As long as the loan continues to accumulate interest, they're not worried about it.

  

  Business response

  11/29/2021

  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 reports that a personal loan for *********************** originated on February 18, 2020.
  
  Contractual monthly payments (CMP) were received on the loan from March 2020 to January 2021 using ********** account x538.
  CMP were received on the loan from February 2021 to May 2021 using US Bank.
  CMP were received on the loan for June 2021 using **************
  CMP were received on the loan for July 2021 using *****************
  CMP were received on the loan from August 2021 to November 2021 using ********** account x502.

  *********************** utilized their online account to schedule a one-time payoff payment for November 9, 2021 using ********** account x538. LendingClub was unable to locate the bank account, the payment failed, and the payment was reversed on November 15, 2021. Jasons account status was current on this date.

  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.

  ************************* automated monthly payment was received on November 22, 2021 using ********** account x502.

  On November 24, 2021, *********************** utilized their online account to schedule a one-time payoff payment using ********** account x502. The payment is in process. Please advise ***** to allow up to 10 calendar days for their account to settle and to be considered fully paid.

  We appreciate *********************** as a valued member of LendingClub and thank you for the chance to respond to their complaint. If ***** has further questions about this complaint, please have them contact LendingClub directly by email at ******************************************* or phone at ************, Monday - Friday 7am - 4pm Pacific Time.
  

  Customer response

  12/01/2021

   
  Complaint: 16177136
  
  I am rejecting this response because:

  In their description of my account activity, LendingClub asserts that I made a payment from the Chase account ending in x538, which is the account I stopped using in January 2021. However, the system did not request or give me an option to select which account the payment was drafted from - which is something I mentioned to the representatives I spoke to on the phone when I called. When I made the second attempt at payment on November 24, 2021, the system had also automatically populated the account from which the payment would be drawn, which was the account ending in x502 this time.
  
  While I have no idea why or how their system would have selected which account to pull from, I don't see how I'm meant to see this is anything other than incredibly convenient that an additional early payment would have somehow had an account I haven't used in nearly a year automatically selected as the payment source instead of the one designated as my default payment account - which has been the x502 account for multiple months, which they so helpfully documented in their response. I have changed checking accounts multiple times this year because of issues with finding out that direct deposits weren't processing correctly with these online-only banks, which is entirely unrelated to this particular situation. LendingClub's system selected the account that both of the payments were drafted from, and only one of them was wrong - and only prior to me making several calls to complain about the original failed payment.
  
  I also find it a little too convenient that for early payments that would deprive them of hundreds of dollars in additional interest, it's up to me to log in apparently daily to make sure nothing went wrong with how their system decided to process them. I don't see how I'm meant to view this situation as anything other than intentionally engineered to make it more difficult to pay of loans early.
  

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

  

  Business response

  12/08/2021

  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.
  
  *********************** utilized their online account to schedule a one-time payoff payment for November 9, 2021 using ********** account x538. LendingClub was unable to locate the bank account, the payment failed, and the payment was reversed on November 15, 2021. Jasons account status was current on this date.
  

  ***** states that he was not provided an option to choose which bank account to use for this one-time payment. Please be patient while we complete further research into this complaint.
  

  It is advised that when a member is unable to properly schedule a payment online,that they please contact us by phone ************ Monday Thursday 5 a.m. to 8 p.m., Friday from 5 a.m. to 5 p.m.,and Saturday from 8 a.m. to 5 p.m. Pacific Time.
  
  We appreciate *********************** as a valued member of LendingClub and thank you for the chance to respond to their complaint. If ***** has further questions about this complaint, please have them contact LendingClub directly by email at ******************************************* or phone at ************, Monday - Friday 7am - 4pm Pacific Time.
  

• Initial Complaint

  11/23/2021

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I received a text message saying I am approved for a loan of $10,000 by ************ I applied and was approved for $8000 in which it would be deposited into my account but the person said I would have to get a verification card in order to prove that I had money in my account and I told him no I wasn't going to go out and get a debit card with a $100 on it, that seemed strange to me that a business would be asking for that. I told him no and to cancel my loan application and then the representative ***** got most offensive to me, insulted me with all kinds of offensive words and threatening my bank account that he would take all my money, he was really offensive and rude, this company shouldn't put up with an employee like this. Also ***************************** is another person, contact phone numbers ************ / ************ and these people don't speak English either.

  

  Business response

  11/24/2021

  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 Internet ********************** at http://www.ic3.gov/default.aspx
  5. Report the scam to their state's attorney general. They can find their state's contact information at www.consumerfraudreporting.org.
  6. If the scammer emailed them, they may forward the email with the original subject line to ************************************** 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 https://www.lendingclub.com/loans/resource-center/safety-and-privacy or contact ************************************** to forward the details listed above. 

  Customer response

  11/25/2021

  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

  11/23/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am a victim of identity- theft. I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion, Equifax, and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The ************************* which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.1. ********************************** bal. $0.00 Acct # ****************

  

  Business response

  11/24/2021

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to Yasmine ****** Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  
  Comenity ************* our partner bank, issues LendingClub Patient Solutions credit accounts.

  In Yasmine ****** complaint, they stated they did not authorize an application and they stated they are a victim of identity theft. Their fraud claim has been referred to our Fraud Team and we have opened an investigation. Our Fraud Team will be in contact with them regarding their claim.

  If Yasmine ****** concerns have not been adequately resolved, please have them reach out to us by phone at ************, email at ************************************* or by mail.  Should they have any questions or concerns regarding the servicing of their account, please contact our banking partner ********************************* at ************. 

• Initial Complaint

  11/19/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company allowed someone to open an account fraudulently using my social security number. Now they are reporting a balance on a charged off account that has been sold. A clear FCRA violation. They were provided police reports and an identity theft packet and they are still refusing to comply. I'm so glad I recorded my call with them today where they admit to multiple FCRA violations. My next step will be an attorney and I can't wait. Thankfully Transunion blocked them from adding the account back to my credit. 1-************ allowed someone to open an account using my social and a name not legally mine.2-They are reporting a balance on a charged off account they don't own 3-Theyve been provided evidence the account was opened fraudulently 4-they don't respond to communications regarding fraudulent accounts 5- they allowed this account to be opened even though there was a security alert on my credit to call my cell phone first.

  

  Business response

  11/23/2021

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

  LendingClub records indicate that Isla ******** was issued a personal loan on March 8, 2021. LendingClub received contractual payments from April 2021 to May 2021, after which the loan became delinquent.
  
  If a payment is not received within 15 days of the contractual due date, a late fee may be applied.If a payment is not received within 30 days of the contractual due date, the account may be turned over to a professional collection agency and negative information may be furnished on a members credit report. LendingClub must follow our charge off policy if the loan becomes more than 120 days past due. Isla ********* last payment was received on May 11, 2021 and due to non-payment, the loan was charged-off on October 15, 2021. In accordance with our policy, Isla ********* account is currently pending sale to a third party.
  
  When borrowers notify us that they may be a victim of identity theft, LendingClub conducts a thorough investigation to determine if a loan has been fraudulently obtained. A fraud investigation was opened on June 22, 2021 when LendingClub received a fraud claim through email. The investigation was closed on June 23, 2021, and the fraud claim was declined due to Isla ******** having received benefit of funds. They were notified of this determination by mail.

  LendingClub reports all account experiencespositive and negativeto one or more of the credit bureaus. Late payments, missed payments, or other defaults on a members account may be reflected in a members credit report, as will a record of on-time payments. To remain fair and impartial to all borrowers we are unable to make modifications or exceptions to our credit bureau reporting policy. We have confirmed that this loan is being reported accurately.

  We appreciate Isla ******** as a valued member of LendingClub and thank you for the chance to respond to their complaint. If  Isla ******** has further questions about this complaint, please have them contact LendingClub directly by email at ******************************************* or phone at ************, Monday - Friday 7am - 4pm Pacific Time.

• Initial Complaint

  11/18/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have an business account with *********** I used withdrawl some money at an ATM but it didn't dispensed my money. I contacted ********** on June 9, *************************************************************************************************************** an answer from this company. We're now in November.

  

  Business response

  11/23/2021

  Thank you for giving LendingClub Bank, N.A. (LendingClub)the opportunity to respond to ***** McClouds Better Business Bureau (BBB)complaint. LendingClub Bank, N.A. (LendingClub) strives to provide the very best service to our customers and appreciates your feedback. In addition to customers LendingClub serves directly, we also provide certain banking services to ************************ (Found).
  
  On or around June 9, 2021 ************************* submitted a dispute to our Banking as a Service partner, Found. ****************** asserted that he had visited an ATM that did not dispense the requested funds in the amount of $200.As such, ****************** submitted a dispute for $211.75; the amount requested,along with associated fees.
  
  On or around November 18, 2021, ****************** contacted Found to request an update regarding his dispute. Following a careful review, it was determined that due to a technical error, this dispute was not resolved in accordance with Founds dispute timeline established by their policies and procedures.After identifying their error on the same date, Found immediately provided a credit in the amount of $211.75.
  
  We appreciate the opportunity the BBB provided us to respond to ***** McClouds complaint. If ************************* or the BBB have any additional questions, please contact us by email at ******************************************* or by phone at ************ Monday-Friday 8:30 a.m. to 12 a.m. Eastern Time; Saturday-Sunday 8 a.m. to 8 p.m. Eastern Time.

• Initial Complaint

  11/18/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am a victim of identity- theft. I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion, Equifax, and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The ************************* which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.1. LENDING CLUB CORPORATION bal. $0.00 Acct # *********

  

  Business response

  11/23/2021

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

  LendingClub records indicate that *********************** was issued a personal loan on March 15, 2017. LendingClub received contractual payments from April 2017 to December 2017, after which the loan became delinquent.
  
  If a payment is not received within 15 days of the contractual due date, a late fee may be applied.If a payment is not received within 30 days of the contractual due date, the account may be turned over to a professional collection agency and negative information may be furnished on a members credit report. LendingClub must follow our charge off policy if the loan becomes more than 120 days past due. ****** Pearts last payment was received on December 14, 2017 and due to non-payment, the loan was charged off on May 31, 2018. In accordance with our policy, ****** Pearts account was sold to ******* ***************** *************) on June 12, 2018.
  
  Upon receipt of this complaint, a fraud investigation was reopened on November 22, 2021. The investigation was closed that same day 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 phone at ************, Monday - Friday 7am - 4pm Pacific Time.

• Initial Complaint

  11/15/2021

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I have sent multiple certified mail letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 35 days for these accounts that are clearly inaccurate and fraudulent accounts. This creditor is disregarding the law and taking advantage of me and this has caused big stress on my life. The most recent certified letter I sent was 10/06/2021. The attached file is the letter and FTC I sent to them. I DEMAND that all the items are deleted and if action is not taken I will *** in small claims court in my city and the company will have to come and represent themselves.

  

  Business response

  11/18/2021

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ************************* Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  
  LendingClub records indicate a personal loan for *********************** originated on November 26, 2018. Contractual monthly payments were received on the loan from December 2018 to July 2019.
  
  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 July 15, 2019 and due to non-payment,their loan was charged off on December 31, 2019. In accordance with our policy,*********************** loan was sold to ********************* on January 19, 2020.LendingClub is accurately reporting their account as charged off and sold with a zero-balance owed to LendingClub.
  
  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 will a record of on-time payments.
  
  A fraud investigation was opened on August 5, 2021 when LendingClub received a fraud claim through the credit bureaus. The investigation was closed on August 6, 2021 and the fraud claim was declined due to *********************** having had implied knowledge of the loan since its inception. *********************** was notified of this determination by mail.
  
  Please note as *********************** 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 ************.
  We appreciate the chance to respond to *********************** complaint. If ****** has further questions about this complaint, please have them contact LendingClub directly by email at ******************************************* or phone at ************, Monday - Friday 7am - 4pm Pacific Time.

• Initial Complaint

  11/14/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I opened a *********** account on 5/26 through my friend's referral link https://open.radiusbank.com/?utm_source=referafriend&utm_medium=narmi&promocode=8vrlja. The referral bonus terms (attached) say that you only need to have $500 in the account on the 60th day, which would be 7/25. On 7/21, I added funds to the account to get to a $500 balance. I messaged support on 7/28 if I satisfied the bonus requirements. She said yes and that I would get the bonus in ***** days. I asked if I could withdraw the funds and still be eligible. She said yes. I waited 96 days and did not receive the bonus. I asked support and they have changed the terms to have an average of $500 over the first 60 days. These are not the terms I signed up for. I am asking for the BBB to help me get the $50 bonus for me and my referrer.

  

  Business response

  11/23/2021

  Thank you for giving LendingClub Bank, N.A. (LendingClub)the opportunity to respond to ************************* Better Business Bureau (BBB)complaint. LendingClub strives to provide the very best service and appreciates their feedback.
  
  On July 28, 2021 *********************** contacted LendingClub by online chat to discuss the status of a $50 referral bonus. **************** informed LendingClub that he had applied utilizing a referral code and wanted to verify that he had satisfied the requirements of our Refer a Friend promotion.LendingClub informed **************** that he had satisfied the terms of our promotion, and that a promotional credit would be forthcoming in ***** days.
  
  Requesting an update, **************** contacted LendingClub on October 29, 2021, as he had not received his referral bonus. While his request was escalated accordingly, on November 5, 2021 he was informed that he would be ineligible for his requested bonus under the most current terms and conditions.However, after a careful review of previous iterations of our Refer a Friendprogram, it was determined that **************** had indeed satisfied the terms he had applied under. A $50 bonus was applied to Mr. ******* account on November 22, 2021 accordingly.
  
  We appreciate the opportunity the BBB provided us to respond to ************************* complaint. If *********************** or the BBB have any additional questions, please contact us by email at ******************************************* or by phone at ************ Monday-Friday 8:30 a.m. to 12 a.m. Eastern Time; Saturday-Sunday 8 a.m. to 8 p.m. Eastern Time.

*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. ↩