Complaints

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

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• 

  LendingClub Corporation

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

  
• 

  Lending Club

  7550 Corporate Way Eden Prairie, MN 55344-2045

• 

  LendingClub Bank, National Association

  2701 N Thanksgiving Way Ste 300 Lehi, UT 84043-6331

• 

  Lending Club Patient Solutions

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

  
• 

  Lending Club

  P.O. Box 1309 Coppell, TX 75019

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:10/17/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had to request some extra days since we get impacted for Hurricane *** and loss some weeks of payment. And this people give me a pause of direct debit of my account and told me to pay after 15. I make the payment and this people charge my account twice making my bank account as an overdraft. I called them and they said that they cant help. I need the overdraft refund. This people are terrible. Not recommended. Is a fraud charging twice

  

  Business Response

  Date: 10/24/2022

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ************************************* Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  
  LendingClub offers borrowers several options for making their monthly payments. Payments can be automatically deducted from a verified bank account, checks can be sent,borrowers can authorize one-time ACH payments by phone or a payment can be authorized using *********.
  
  We give all borrowers a 15-day grace ****** 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. On September 28, 2022, ************************************* contacted LendingClub to delay their September 2022 monthly payment. LendingClub successfully scheduled a payment to process on October 15,2022 with their authorization. On October 16, 2022, ************************************* scheduled another payment via their debit card. This payment was successfully received and applied to the October 2022 monthly payment, as the previous payment had satisfied the payment for September 2022. The next payment is due on November 30, 2022.
  
  When consumers incur fees from their bank accounts due to a LendingClub error, we will reimburse any fees incurred provided supporting documentation is submitted. Because both payments were authorized by *************************************,it has been determined that no LendingClub error has occurred. Therefore, we are unable to reimburse any overdraft fees that they may have incurred due to the payments received on October 15 and 16, 2022.
  
  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 7a.m. - 4p.m. Pacific Time.

  Customer Answer

  Date: 10/24/2022

   
  Complaint: 18232948
  
  I am rejecting this response because:
  
  Sincerely, because you said clearly that you make a paused deduction and i have to make the payment manually; completely do not agree for your fault of sense. If i make the payment how you make the deduction. Just make sure you run the due date properly because Im not happy with your service after *************** in *******.
  
  *************************************

  

  Business Response

  Date: 11/04/2022

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

  LendingClub previously addressed this complaint on October 24, 2022 and has nothing further to provide at this time. If ************************************* has further questions about this complaint, please have them contact LendingClub directly by email at ******************************************* or phone at ************, Monday - Friday 7a.m.- 4p.m. Pacific Time.

• Initial Complaint

  Date:10/17/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.LENDING CLUB ********* $0.00 Under the Fair Credit Reporting Act, 15 U.S.C. ****g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  

  Business Response

  Date: 10/18/2022

  Thank you for giving LendingClub Bank, N.A. ("LendingClub") the opportunity to respond to ************************* Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service to our customers and appreciates their feedback. LendingClub previously addressed this complaint on December 1, 2021,and has nothing further to provide at this time. If ************************* has further questions about this complaint, please have them contact LendingClub directly by email at ******************************************* or phone at ************, Monday-Friday 7a.m.-4p.m. Pacific Time.

• Initial Complaint

  Date:10/14/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company sent me an email about a $5,000 unsecured loan and then I changed my mind because the guy on the phone was saying that he wanted me to say my user name and password to my bank account I told him no this is weird and hang up. Then I call back an hour and a half later and the guy says that he sent me a text to send him my user ID and password and I told him he didnt send me a text and thats not what was originally asked. He was dumbfounded when I told him I didnt have a text message. Then he proceeded to ask my age, if I thought I was a genius, etc I hung up and blocked the number. I did not insult him I hung the phone up. Also I signed all documents via email to complete the process.

  

  Business Response

  Date: 10/18/2022

  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:
  
  Do Not give their personal information or bank account information to an unknown caller.
  Do Not provide the account information for a prepaid debit card or gift card to an unknown caller.
  Call us immediately at ************. We can confirm the identity of LendingClub employees.
  File a complaint about internet-related fraud with the Internet ********************** at http://www.ic3.gov/default.aspx
  Report the scam to their state's attorney general. They can find their state's contact information at www.consumerfraudreporting.org.
  If the scammer emailed them, they may forward the email with the original subject line to ************************************** and reference ticket #********.
  Let us know if they shared gift card information, such as an iTunes or ****** Play card. We may ask them to provide us with the gift card numbers to help us report the scammers.
  

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

• Initial Complaint

  Date:10/14/2022

  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 received a Loan Application Letter from LendingClub which I signed and sent back to the company for $5000 personal installment loan, loan term 48 months installment amount $158.42. In order to receive this money, I was told LendingClub needed to make a deposit into my accounts for the amounts $889.10, $886.10, $810.00, $987.10 They said after I received the Deposits and returned the money - via 3 Purchased Debit Cards they would authorize and transfer the original $5000 to my account. They made the deposits into all 3 of my accounts, I sent them 3 prepaid debit cards totalling $1280 Now I am seeing Return Deposit Items on my account which I did not authorize - LendingClub has hacked my accounts.Also - their phone numbers were always changing and being disconnected. The address they gave me for their business is ********************************************************************* and the phone number is *********** I worked with *********************** and ***********************.

  

  Business Response

  Date: 10/18/2022

  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:
  
  Do Not give their personal information or bank account information to an unknown caller.
  

  Do Not provide the account information for a prepaid debit card or gift card to an unknown caller.
  

  Call us immediately at ************. We can confirm the identity of LendingClub employees.
  

  File a complaint about internet-related fraud with the Internet ********************** at http://www.ic3.gov/default.aspx
  

  Report the scam to their state's attorney general. They can find their state's contact information at www.consumerfraudreporting.org.
  

  If the scammer emailed them, they may forward the email with the original subject line to ************************************** and reference ticket #********

  Let us know if they shared gift card information, such as an iTunes or ****** Play card. We may ask them to provide us with the gift card numbers to help us report the scammers.

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

• Initial Complaint

  Date:10/14/2022

  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.

  On 10//03//2022, I opened a new savings account at ************ on line bank. The money was transferred out of my local bank over the internet on 10//05//2022. When I contacted this same bank later this same day to add a beneficiary to my account, I was unable to add the beneficiary. After numerous forms that I was sent via email from the customer service person at ************, I was unable to complete the beneficiary addition. After over 55 minutes of trying to resolve this problem, I informed the customer service person that I wanted to close the account because of this problem at their bank. I was then told that I had to wait until 10//13//2022 before I could close the account and have my money transferred back into my local bank. On 10//13//2022, I set up the transfer of $6000 on line. Later this same day, I received an email from ************ informing me that my "transfer has been initiated". Later this same day, I received another email from Lending Tree informing me that my transfer had been canceled, and that I had to contact Lending Tree to resolve the problem. Upon talking to a customer service representative of Lending Tree, I was told my transfer was canceled because I was a new customer. In order for me to transfer the money, I was being told that I had to send a copy of a photo I.D., and a copy of the bank account I wished to have the money transferred in order to prove I was ***********************. I was also told that because I didn't return the form that I never received on 10//13//2022, I could not get my money. I asked to speak to a supervisor, was put on hold, and then was eventually told that the supervisor will call me back maybe tomorrow. This bank now has $6000.00 of my money that they refuse to return. Also, I am now no longer capable of signing into this account on line after the latest conversation with customer service on 10//13//2022 at approximately 4:00 P.M.EST.

  

  Business Response

  Date: 10/24/2022

  Thank you for giving LendingClub Bank, N.A. (LendingClub)the opportunity to respond to ******************* Better Business Bureau (BBB)complaint. LendingClub strives to provide the very best service and appreciates their feedback.
  
  On or around October 3, 2022 *********************** opened a ****************** account and requested to add a beneficiary to their account. However due an error that occurred with the electronic beneficiary forms, *********************** submitted a request to close their account. After a hold on their initial deposit expired, *********************** submitted a request to transfer their full account balance to an external account on October 13, 2022.
  
  One of the LendingClubs objectives is to protect our customers. When we see activity that ***
  pose a risk, we are obligated to take necessary action. To proceed with the external transfer, it was determined additional verification would be required.LendingClub requested a U.S. Government issued ID to verify ******************* identity. LendingClub also requested a statement from the account used to fund their ****************** Account and screenshot reflecting recent account activity.
  
  Due to lack of response to our request, ******************* external transfer was cancelled, and their account was placed under review. On October 18, ********************************** along with an image reflecting their initial deposit from their external account. However, the statement did not reflect ******************* name. We therefore requested an updated document. This request was honored the following day. After a careful review of the requested documents,full access was restored on October 19, 2022. On the same date, *********************** re-initiated their requested external transfer. *********************** *** now close their account at their convenience.
  
  If either the BBB or *********************** have any additional questions regarding this complaint, please contact us by email at ******************************************* or by phone at ************ Monday-Friday 8:30 a.m. to 12 a.m. Eastern Time;Saturday-Sunday 8 a.m. to 8 p.m. Eastern Time.

• Initial Complaint

  Date:10/14/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On September 27 I apply for a loan with ************* In this loan I requested **** to be paid to account ending in **** with ****************** I have called Lendingclub twice and the first time I was told they would submit a ticket in which they did not follow up. I called again on 10/14 and they stated they will submit another ticket. Well unfortunately ** getting charge interest for over 15 days now on my other loan and on their loan. One main has not received payment and no one can tell me where the **** amount is at. I need a resolution to get OneMain paid or send me the money so I can pay them as stated in my loan disbursement. I dont want to keep paying interest with One main.

  

  Business Response

  Date: 10/24/2022

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ********************************* Better Business Bureau (BBB) complaint dated October 14, 2022. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  
  As part of the application process for a balance transfer loan, LendingClub requests applicants to complete an email verification, fill out a balance transfer worksheet, and link a valid bank account for deposit of the remaining funds.The worksheet allows LendingClub to facilitate payments to the creditors of their choice.
  
  LendingClub records report that ********************************* balance transfer loan originated on September 30, 2022.
  
  When were notified that funds from a balance transfer loan have not been received by the creditor within seven (7) business days, we will open a dispute claim. On October 12,2022, ******************************* notified us that their creditor, OneMain acct x7650, had not been paid. LendingClub opened a dispute claim to further address the failed loan issuance. Our records report that their OneMain payment cleared on October 17, 2022. Please allow time for their creditor to post the payment to their account.
  
  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 7a.m. - 4p.m. Pacific Time.

• Initial Complaint

  Date:10/13/2022

  Type:Billing 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.

  To Whom It May ********* took out a debt consolidation loan with ************ on 8/7/22. I selected the option to have this institution pay my two creditors directly. My Apple credit card has never credited this transaction to my account. I reached out twice in September directly to ************. They confirmed that a $4100.00 payment was issued to Apple on 8/11/22 and noted as completed in their records on 8/25/22. ************ stated they were filing a dispute with Apple on my behalf. In October I again followed up with Apple. At this point Apple told me that no bank had reached out with an inquiry on my behalf. I followed up with ************ and was told that my concern was being escalated and I could expect hearing from someone. I have heard from no one. I followed up again today with ************ and was again told that my concerns were being escalated & I would be reached out to. I continue to have no updates. I have paid Apple in full out of my savings so that I did not incur sky high interest on the card. I am currently making payments on a loan that was not fulfilled with no ability to speak with someone above a customer service representative.

  

  Business Response

  Date: 10/19/2022

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ********************* Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  
  As part of the application process for a balance transfer loan, LendingClub requests applicants to complete an email verification, fill out a balance transfer worksheet, and link a valid bank account for deposit of the remaining funds. The worksheet allows LendingClub to facilitate payments to the creditors of their choice. When were notified that funds from a balance transfer loan have not been received by the creditor within 10 business days,we open a dispute claim. ********************* loan originated on August 11, 2022.On September 2, 2022, they notified us one of their creditors had not been paid. The investigation is still in progress, as LendingClub is still waiting for the information requested from *************************** to proceed.
  
  In order for LendingClub to further review the account, *************************** will need to provide a full bank statement from their creditor, as well as the case number that is created from contacting their specific creditor directly regarding the failed payment. The statement(s) must include: the full card or account number, full pages (no partial pages) with all four corners of each page visible, all pages legible,all pages of the statement are included with nothing redacted, and preferably in a PDF format. If the guidelines for the statement(s) are not followed, it will be considered incomplete and no further action will be taken. The statement(s)may be emailed to *********************************** for further review.
  
  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 7a.m. - 4p.m. Pacific Time.

  Customer Answer

  Date: 10/23/2022

   
  Complaint: 18221389
  
  I am rejecting this response because: there has been no resolution to the issue.  I 100% understand that ************ needs to review documents.  However, their response suggests that I had not complied with their requests & that they were awaiting my reply.  In the 4 times I contacted them prior to filing a complaint, they had not once corresponded with me.  I had received no instructions concerning next steps.  Once I contacted the BBB, the next day I received an email requesting me calling their customer service center. This representative informed me that I would need to submit my credit card statements for the last two billing cycles to show that my account had not been credited the $4100.00. I have submitted those requested documents & have received no further correspondences other than a canned email stating they will respond once they have reviewed the documentation.  At no time in that conversation was I instructed to share my correspondences with Apple.  My fear is that if I accepted this as resolved, ************ will again go silent and I will have no resolution to my complaint other than continuing to pay for a loan that was never applied to my credit card.
  
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 11/04/2022

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ********************* Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  
  LendingClub records indicate that we received the requested documentation from *************************** on October 17, 2022. On October 24, 2022, the documents were escalated for review in order to resolve the account dispute.The investigation was closed on November 2, 2022 when *************************** informed us that their creditor had applied the payment as requested. We apologize for ********************* experience and appreciate their feedback. We hope to regain their confidence in the future.
  
  The loan was paid in full on October 23, 2022 and *************************** no longer has an open account balance with LendingClub.
  
  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 7a.m. - 4p.m. Pacific Time.

  Customer Answer

  Date: 11/04/2022

  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.

  However, I cannot stress this enough - I am satisfied with the BBB's prompt response to my complaint and I am satisfied with my Apple Card's ability to work with me to resolve this issue.  ************** I am not satisfied with your response to the issue.  Shame on you for taking more than a month to do more than provide lip-service to my complaint.  Shame on you for only making minimal attempts at resolving the issue after the BBB became involve.  And shame on you for providing incorrect information to the BBB concerning your activities regarding my issue prior to their involvement. I don't believe I can even say you did the bare minimum to assist me in disputing a missing $4100.00 payment.  All you did was FINALLY provide me with the incorrect account number the funds were distributed to.  

  I understand you wish you had done better - with your future clients start by actually doing SOMETHING.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:10/12/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In my error, I wrote check #*** for $3,504.00, out of the incorrect bank account. As a result, the check was returned. Upon seeing the return I moved $3,504 from the account I meant to write check from to ensure the check was paid when it was presented again, which was on 9/27 when deposit was made. The check has now been paid from my account for a total of 3 times and the gentleman I wrote check to still has not received the funds. Check was debited from my account on 9/26, 9/29, and 10/4. The funds have been created to my account back from the bank on 9/27, 10/5 and 10/6. I have contacted ************ every day for 2 weeks and not been provided a resolution nor can they provide me a reason as to why this keeps happening or when the problem will be resolved. In addition there is another check that came out of my account for $350.40 (check #******) on 9/29 that was paid to who I wrote the other check to and they cant tell me where that check went as the gentleman I wrote the $3,504 (#***) said he never received $350.40 either.

  

  Business Response

  Date: 10/21/2022

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to ***************************** Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service and appreciates their feedback.? 
  
  On September 26, 2022, the member wrote check #*** for $3,504.00.The Check was returned on September 27, 2022, due to insufficient funds. On September 28, 2022, the member made a mobile deposit for $3,504.00.  The member re-sent check #*** for $3,504.00 on September 29, 2022, that processed. Although check #*** was taken again on October 4, 2022, the funds were returned due to insufficient funds on October 5, 2022.
  
  Check #****** appears to be a check authorized as an attempt to collect for check #***. After thorough research, we determined that the checks were processed through ChecXchange which is a check recovery service. If the member believes this transaction to be fraudulent and unauthorized, we can assist in disputing the transaction or the member can reach out directly to their merchant to see if they attempted to collect via ChecXchange.
  
  If either the BBB or *************************** have any additional questions regarding this complaint,please contact us by email at ******************************************* or by phone at ************ Monday-Friday 8:30 a.m. to 12 a.m. Eastern Time; Saturday-Sunday 8 a.m. to 8 p.m. Eastern Time.? 
  

• Initial Complaint

  Date:10/12/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I like so many of our fellow Americans were impacted by the pandemic.I had my hours cut from work and had to struggle to make ends meet. They could only offer me a measly grace ****** to help. So eventually I was able to pay off my loan in FULL! I contacted them to see if they would remove the late payments. They said they were unable to do that. Even though I paid them off in the middle of the pandemic. They refused to help me as a long-term customer. What I would like to happen is for the lending club to either remove the late payments or completely remove the account from my credit report.

  

  Business Response

  Date: 10/18/2022

  Thank you for giving LendingClub Bank, N.A. (LendingClub) the opportunity to respond to Fajr ****** Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service to our customers and appreciates their feedback.
  
  LendingClub records indicate that Fajr ***** received a personal loan through LendingClub on December 4, 2018. Contractual monthly payments were received on the loan from December 2018 to May 2020, July 2020, October 2020, January 2021 to February 2021, June 2021, and August 2021 to January 2022. The loan was paid off in full on January 18, 2022.
  
  After review, it has been determined that all account information has been accurately reported to the credit bureaus. LendingClub reports all account experiencespositive and negativeto one or more of the credit bureaus. Late payments, missed payments,or other defaults on your account may be reflected in their credit report, as well as a record of on-time payments. We are required to report complete and accurate information and can't make good faith updates.               
  
  We appreciate Fajr ***** as a valued member of LendingClub and thank you for the chance to respond to their complaint. If Fajr ***** 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: 10/21/2022

   
  Complaint: 18202706
  
  I am rejecting this response because:
  
  Sincerely,
  
  Fajr Craft

• Initial Complaint

  Date:10/11/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not aware of this account. I have reached out to 3 Credit Bureaus and LENDING CLUB to have this account removed from my file and they are always saying the same excuse, which is no longer acceptable. I have filed this as an outcome of Identity Theft. Regardless of all actions done on my end, there was no action from 3 Credit Bureaus. Thus, I am reaching out to seek assistance to have LENDING CLUB confirm that I have no account with them and that the 3 Credit Bureaus can simply remove it from my credit report.

  

  Business Response

  Date: 10/12/2022

  Thank you for giving LendingClub Bank, N.A. ("LendingClub") the opportunity to respond to ************************************** Better Business Bureau (BBB) complaint. LendingClub strives to provide the very best service to our customers and appreciates their feedback.LendingClub previously addressed this complaint on September 23, 2022 and has nothing further to provide at this time.   If **** ************************************ has further questions about this complaint, please have them contact LendingClub directly by email at ******************************************* or phone at ************,Monday - Friday 7a.m. - 4p.m. Pacific Time.