06/20/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Closing an account
- Can't close your account
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Web |
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Note : You have my permission to publish this complaint after removing my name, email address, identifying information, and account number.
Summary : Ive been trying for 7 months to close my Lending Club retirement account # XXXX and am finding it to be nearly impossible. ( Lending Club 's site says : All loans are made by XXXX, which was organized under the laws of the State of Utah in XX/XX/XXXX and operates under federal banking law. ) To my knowledge, they disclosed absolutely nothing about this when they accepted my money, but, once I decided that I didnt trust them and I wanted my money back, at that point I learned that it would take 3 to 5 years to withdraw my funds. Plus, shortly after I notified them I was in the process of closing the account, they implemented a {$100.00} annual fee for maintaining my account. It is impossible to avoid this fee, because they refuse to close the account. They also warn that failure to pay the fee will result in notifying the IRS that my entire account has been " distributed '' to me into a new " taxable '' account, against my will.
Their hidden fees have been a problem for them in the past, such as when the FTC sued them for hidden fees ( see https : XXXX ). Now, they are basically holding my retirement funds hostage, and eating up as much of them as they possibly can, ensuring I suffer a loss on this investment.
All I want is to get my money out of that company immediately and have them roll it over into another bank 's hands, where I can put it into a safer retirement investment, like a bank CD or mutual fund.
Details : The initial investment was {$2500.00} in a XXXX XXXX IRA opened XX/XX/XXXX. For my part, this is a retirement savings vehicle. Lending Club loans out my retirement money in small increments ( {$25.00} per borrower ) to numerous of their borrowers. I only get paid back if their borrowers pay them back.
In XX/XX/XXXX, I funded this with a {$2100.00} XXXX XXXX from a failed bank in Louisiana, XXXX XXXX, plus a year XX/XX/XXXX IRA contribution of {$320.00}, to meet the Lending Clubs investor minimum of {$2500.00}.
I tracked my progress closely because Lending Club was a newish and unfamiliar company to me, and this is a fairly novel way to invest. I started noticing irregularities in the info they were reporting to me, right away.
I deployed automated investing on XX/XX/XXXX. The 1st payment due to me was due XX/XX/XXXX. But when I checked on XX/XX/XXXX, that XX/XX/XXXX due date had disappeared. Now I was shown only a XX/XX/XXXX note date, which was not yet paid, and yet the summary page still said no past due accounts. There was something weird about that. What happened to the XX/XX/XXXX due date between XX/XX/XXXX and XX/XX/XXXX? Barely two months into my experience with Lending Club, I started to sense that they were not being upfront with investors about past due accounts.
I checked again on XX/XX/XXXX, and could then see a XX/XX/XXXX and XX/XX/XXXX due date, with both showing payments received for prior months. So presumably my missing XX/XX/XXXX due date had made a reappearance ( now due one month later, on XX/XX/XXXX ). They had decided they could show me the note again, now that it was paid, but whether it had been paid timely or paid late was information that was being withheld.
I checked again on XX/XX/XXXX, and there was no XX/XX/XXXX due date showing any more. Why? How could the due date have changed? Why would this disappear from my portfolio again? Did that mean it was late again? XX/XX/XXXX would be past the grace period on that note. So, they just weren't going to show it to me? There was a XX/XX/XXXX and a XX/XX/XXXX due date, both showing fully paid. There was also some squirrelly stuff like a long list of payments made in amounts under one dollar, with the status shown for those as current. There were 20 due dates in the last 10 days of XXXX.
As of XX/XX/XXXX, there were 52 payments under {$1.00}, all showing current. Only 5 accounts had paid {$23.00} to {$25.00}. This didnt make much sense to me since my lending increment was set to {$25.00} ; why would a bunch of accounts be considered current with payments of XXXX or XXXX cents each? Several due dates in the recent past also showed current despite no payments being made. At this time I made minor adjustments to the auto-allocations ( 2 % more B-grade, 2 % less G-grade ) due to the Lending Clubs vague XX/XX/XXXX email about how they were adjusting their expected returns, and how that would impact auto-investing ( in plain English : they expected borrowers to pay even later, and pay back less money, than previously assumed, so they were reducing their optimism about expected performance - meaning all my investments already made were going to do worse than they had projected at the time I made the investments ).
Also, at this point I decided that it was hopeless trying to understand the current and past-due info being provided by Lending Club, primarily because of their lack of transparency.
As of XX/XX/XXXX, my adjusted account value was {$2600.00}, with the Lending Club system showing me a frankly unbelievable 10.31 % increase ( as compared to Lending Clubs stated historical returns of 3.44-8.53 % for my investment strategy ). Doing my own math, I estimated I had actually earned only 6.29 % over the past 50 weeks, based on the adjusted account value versus my opening contribution. So again, at the one year mark, I experienced deep misgivings that Lending Club was telling me one thing, and doing another. My money had grown from {$2500.00} to just {$2600.00}. Thats an increase of {$150.00}, which represents 6.29 % of the {$2500.00} investment. Why would Lending Club try to tell me that 6.29 % was really 10.31 %? It made no sense. It was too good to be true, because, well, it wasnt true.
On XX/XX/XXXX, I inquired about closing my Lending Club investment account. I made this decision because I felt that this would never be a good investment vehicle, and the longer I waited, the more I was going to lose. Their reply indicated that I could immediately transfer out only {$53.00} of my balance, subject to a {$50.00} fee by XXXX ( whatever that is ), meaning I could get less than 4 dollars out of them at the moment that I wanted to end my relationship with them. Lending Club indicated I would need to pause automated investing so that cash could accumulate, rather than being reinvested into additional loans, and that once all my cash was out of the notes in which it was invested, only at that point could I get access to all of my money. They also mentioned other options something about selling off my portfolio to other investors, at a loss but my research into that option revealed that this is only for sophisticated investors and involves considerable effort and loss of funds. I did some research online and found that the cash accumulation process should be expected to take 3 to 5 years to be complete. Lending Club also suggested that I could withdraw a little at a time, such as by making 5 transfers of {$500.00} each, a little at a time as cash accumulated over the years with each transfer out, of course, being subjected to a separate fee. I asked Lending Club to show me exactly when and how all this was disclosed to new investors like myself, and their answer was that I should review their 200-page prospectus and other information posted online. They declined to point out any specific reference to any actual disclosure they might claim they made. Reviewing that prospectus once again today, I do not see any clear disclosures that reveal that it is impossible to transfer your money out of Lending Club, or that they will fee you {$50.00} for such transfers, or anything about any annual fee, which I only learned of recently, as detailed below.
On XX/XX/XXXX, they notified me that because my balance is under {$10000.00}, Ill also be subjected to a {$100.00} annual fee going forward. This fee is basically for nothing, just for having the account. They describe as " for maintaining the retirement status '' of the account, or some such bogus description meaning nothing more than having my account on the books ( specifically, they claim this new fee is just " to ensure that your investment maintains its tax-advantaged status '' ). Soon I would discover that this is actually more like " protection money. '' That {$100.00} annual fee means that if takes 5 years to liquidate this investment, their actual termination fee is not {$50.00}, but {$550.00}. Im certain this is first notification or disclosure Ive ever had of any {$100.00} annual fee.
Their latest XX/XX/XXXX email threatens that if this fee is not paid every year going forward, then in addition to their substantial late fees, they will terminate the " retirement account status '' of my account, convert it to a taxable account ( one from which, Im sure, I still wouldnt be able to access any money ), and that this will subject me to significant IRS tax penalties for taking this ( forced ) distribution of the retirement funds. I am certain this was never disclosed to me until this email. This is what makes the fee " protection money. '' They demand to eat away at my accumulated cash, and if I fail to pay up, they'll arbitrarily decide to make changes to my account, and they'll lie to the IRS and say that I withdrew all my money and should therefore be taxed on it. This is absurd.
As of today, XX/XX/XXXX, my adjusted net annualized return is supposedly down to 5.03 %, my account value is {$2800.00}, and my adjusted account value ( after subtracting {$98.00} for past-due notes ) is supposedly {$2700.00}, with available cash at {$820.00}. They claim payments made total {$2700.00}. In other words - I gave them {$2500.00}, and they've been paid in full and more, they've been paid {$2700.00}, and yet they still think I only have access to {$820.00}. Some 10 % of my notes have been charged-off, while another 3.35 % are either late or in default.
Desired resolution : Lending Club should continue to waive all annual fees until my account is closed. They should send me a check for the full {$2700.00} ( roughly ) due to me, or, failing that, stop charging newly invented fees under the threat of revocation of retirement status on the account.
+++++++++++++++++++++++++++++++++++++++++++++++++++++++ From Lending Clubs website : How LendingClub is regulated The regulatory framework for LendingClub is well established and has been in place since XXXX. On the investor side, we've registered the offering of Notes with the Securities and Exchange Commission and we file annual, quarterly, and other reports with the SEC. Review our prospectus or view our SEC reports at www.sec.gov.
All loans are made by XXXX, which was organized under the laws of the State of Utah in XX/XX/XXXX and operates under federal banking law. XXXX is an FDIC-insured bank that is subject to consumer lending regulations, including the Truth in Lending Act, Equal Credit Opportunity Act, and Fair Credit Reporting Act.
Source : https : XXXX +++++++++++++++++++++++++++++++++++++++++++++++++++++++ Email I sent XX/XX/XXXX, requesting to close account : Searched the website, don't see any info on this. I invested in Lending Club in an IRA.I am considering closing that account by transferring it directly to another institution. Please advise, what fees, if any, would be applied by Lending Club and XXXX? How do I know what my actual available balance is, at any given time? If you need a form specific to your institution, please forward it to me.Thank you [ my name ] +++++++++++++++++++++++++++++++++++++++++++++++++++++++ Their reply, XX/XX/XXXX : Hi [ my name ], Thank you for getting in touch with us!
Before you can close your LendingClub account, you'll need to liquidate your portfolio and withdraw all available cash. You can pause Automated Investing so that your cash will accumulate for withdrawal rather than be reinvested.
I see that you currently have {$53.00} in available cash for withdrawal. Your available cash is located in the middle of the Account Summary page when logging in. You may withdraw available cash for free from LendingClub to XXXX by clicking on the Transfer tab at the top of the page and then selecting " Withdraw Funds ''. However, you won't be able to withdraw any funds currently invested in Notes.
It may be possible for you to liquidate your portfolio prior to maturity by listing them for sale on the secondary trading platform. Once a Note is sold, you'll receive the sales proceeds in your available cash for withdrawal. If you'd like any assistance with this, please feel free to reach out to us at XXXX.
Once your portfolio has been fully liquidated, please contact your new custodian for the next steps. Your new custodian will need to initiate the outgoing transfer on your behalf. As a quick note, STRATA charges a {$50.00} account termination fee. For more information on their fees, please contact them directly at XXXX.
I'll be happy to provide you with the next steps in the account closure process once you have completed the above. Let me know if you have any questions!
Here to help, XXXX LendingClub Investor Services | XXXX Phone XXXX | Fax XXXX XXXX +++++++++++++++++++++++++++++++++++++++++++++++++++++++ My reply to that, XX/XX/XXXX : Reading a little more about this online ( not your site, but other sources ), is it true that it would actually take 3 to 5 years to liquidate my account? For instance if I pause or stop automated investing, and let cash accumulate, then what I am actually doing is waiting for all outstanding notes to be paid, before I'm able to roll it over to an outside institution, into another IRA? Does that seem pretty insane, or is it just me? I wonder where and how all that is disclosed to your new investors. Thanks, [ my name ] +++++++++++++++++++++++++++++++++++++++++++++++++++++++ Their reply, XX/XX/XXXX : Hi [ my name ], Thank you for your reply!
Your Notes will mature at 36 or 60 months from the date the Notes were issued. It is possible for a portfolio to liquidate sooner in the event a loan is paid off early or charges-off.
As borrowers their monthly payments, you'll receive your pro rata share of principal and interest for withdrawal to STRATA. You do not have to wait for all Notes to mature before doing a partial outgoing transfer to a new custodian. Any funds held in cash with STRATA can be transferred out at any time. As a quick note, STRATA charges a {$25.00} fee for each outgoing transfer to a new custodian.
Additionally, we try our best to provide transparent information so that our investors can make an informed decision. If you'd like to learn more about liquidity, please feel free to explore our Education Center, Statistics, or Prospectus filed with the SEC.
To discuss this in further detail, please feel free to give us a call at XXXX or I'll be happy to schedule a call with you at your convenience.
I hope this clarifies! Let me know how else I can help.
Best Regards, XXXX LendingClub Investor Services | XXXX Phone XXXX | Fax XXXX XXXX +++++++++++++++++++++++++++++++++++++++++++++++++++++++ Surprise fee notification email sent to me XX/XX/XXXX : Dear [ my name ], Thank you for investing with LendingClub. In order to facilitate your investment in LendingClub Notes through an IRA, XXXX partners with an IRA custodian, XXXX Trust Company ( STRATA ) formerly XXXX XXXX XXXX XXXX , XXXX. XXXX charges an annual account fee of {$100.00} to ensure that your investment maintains its tax-advantaged status.
When you first opened your account, LendingClub paid your annual account fee. Per the terms and conditions of your IRA account, LendingClub will continue to cover this annual account fee if your IRA maintains a minimum invested balance of {$10000.00}. For additional terms and conditions, see below.1 Our records indicate that your account currently does not meet this minimum threshold. To avoid paying the {$100.00} fee, may we suggest you consider making your annual IRA contribution to this account by XX/XX/XXXX.
If you have questions or want to discuss other options, please contact us by email at XXXX or by phone at XXXX from 7am - 5pm PT, Monday - Friday. As always, our dedicated LendingClub IRA team is here to help.
Best regards, The LendingClub Team +++++++++++++++++++++++++++++++++++++++++++++++++++++++ Second email sent to me regarding their hidden fee, on XX/XX/XXXX : Notice : Upcoming annual account fee for your LendingClub IRA This is another courtesy notice regarding your LendingClub IRA account Dear [ my name ], Thank you for investing with LendingClub. In order to facilitate your investment in LendingClub Notes through an IRA, LendingClub partners with an IRA custodian, XXXX XXXX XXXX ( formerly Self XXXX XXXX XXXX , XXXX ). STRATA charges an annual account fee of {$100.00} on your account opening anniversary, which covers their services to ensure that your investment maintains its tax-advantaged status.
Our records indicate that your account currently does not meet the minimum threshold as outlined in the terms and conditions,1 so you can expect to receive an invoice from XXXX on the first week of XXXX. To avoid paying the {$100.00} fee, may we suggest you consider making your annual IRA contribution to this account by XX/XX/XXXX.
Notice : LendingClub will deduct {$100.00} from your available cash to pay annual fee The default setting for paying the annual fee is to use the available cash in your IRA. LendingClub will deduct the {$100.00} from your account on XX/XX/XXXX. This ensures you aren't subject to any late fees. If you wish to pay via credit card or check, please contact us by XX/XX/XXXX.
Potential Tax Implications Please note that STRATA assesses a {$15.00} late fee each month ( up to {$30.00} ) 2 until payment has been received in full. If full payment ( annual fee plus any applicable late fees ) is not received by XX/XX/XXXX, XXXX will resign as your IRA custodian and your funds will be transferred into a standard LendingClub taxable account in your name. The value of those transferred holdings will be reported as a distribution, which could result in a tax penalty.3 If you have questions or want to discuss other options, please contact us by email at XXXX or by phone at XXXX from 7am - 5pm PT, Monday - Friday. As always, our dedicated XXXX IRA team is here to help.
Best regards, The XXXX XXXX +++++++++++++++++++++++++++++++++++++++++++++++++++++++
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01/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I XXXX XXXX am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report last year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with ( XXXX XXXX XXXX Police Department. I also was a victim of XXXX XXXX security breach of XXXX in which I filed a claim ( XXXX ) http : XXXX ..Ive also mailed in certified letters to XXXX number ( XXXX XXXX XXXX XXXX XXXX XXXX ) I received nothing.I also filed an identity theft report ( XXXX ) XXXX LENDING CLUB CORP {$0.00} Closed 5 potentially negative months Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan {$18000.00} The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX ) He notice several instances where XXXX are in non-compliance with the FCRA. Im a victim but Im treated as if Im nothing. XXXX continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that XXXX did not go through the original furnisher to verify these accounts are mine and they must do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. If XXXX fails to notify me that they will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As XXXX has violated the FCRA.. XXXX has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section XXXX. I plan of taking full legal action if accounts are not removed by ( XX/XX/XXXX ) LENDING CLUB CORP {$0.00} Closed 5 potentially negative months Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan These individuals are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they continue to report. We are seeking full damages We feel these individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my case.
XXXX XXXX XXXX operating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Attorney I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!
Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer. All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross referenced to the .U.S Code is at the end of this document.Section 623 imposes the following duties upon furnishers : Accuracy Guidelines. The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. Section 623 ( a ) ( 8 ). Federal regulations are available atwww.consumerfinance.gov/learnmore. Section 623 ( a ) ( 8 ) Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( l ) ( B ).
Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ).
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ).
Section 623 ( b ) ( 2 ).
Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ), Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).
Duty to Report Dates of Delinquencies -If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to " nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.
Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.
Duties When ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any : furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The CFPBs website, www.consumerfinance.gov/learnmore, has more information about theFCRA, including publications for business and the full text of the FCRA.Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accountsto be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue.
I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
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10/27/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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There are several variations of XXXX XXXX XXXX name so here is the EIN number XXXX
My family and I were badly affected by Hurricane Irma. We were forced to evacuate ( mandatory ) and were on the road for 7 days without hot water, hot meals or electricity. As a result of being forced to drive across the state of Florida ( length and width ) to escape the storm, we exhausted our on hand savings. The work contracts I had with 4 different companies was affected as well. 3 cancelled permanently. I brought this to Lending Club's attention and was basically brushed aside. Finally after writing the entire executive team - I was offered the scarcest of natural disaster assistance plans. Zero reprieve, and interest only payments which were essentially due immediately. Instead of keeping to this plan, Lending Club then attempted an unauthorized withdrawal from my account of $XXXX+ dollars from the agreed upon terms shown below in this email from Lending Club -
---------- Forwarded message ----------
From: Lending Club
Date: Wed, XX/XX/XXXX at XXXX XXXX
Subject: [Lending Club] Re: Your Hardship Plan Offer
To: XXXX XXXX
##- Please type your reply above this line -##
Payment Solutions (Lending Club)
XX/XX/XXXX XXXX PDT
Hi XXXX,
We are happy to hear that a hardship plan may work for you. Please review the next steps listed below.
Step 1: Review plan details
* Hardship plan interest-only payments will be in the amount of: $XXXX
* Hardship plan will start and end: XX/XX/XXXX and XX/XX/XXXX
* Original loan maturity date: XX/XX/XXXX
* New loan maturity date: XX/XX/XXXX
* Estimated amount of additional interest added to the loan as a result of modifying loan terms: $XXXX
* The final contractual payment at the end of the loan is estimated to be: $XXXX
* The regular contractual payments of $XXXX will resume: XX/XX/XXXX
By taking advantage of this hardship program, your account status will be reported to the credit bureaus:
* The same as the status it was at the time of the hardship payment plan approval.
* As current upon successful completion of the trial period.
* With the past-due status as calculated from your original delinquency, if any, if the trial period is unsuccessful.
Step 2: Choose a payment method
* ACH debits: Please confirm that we have your correct bank account, (XXXX XXXX XXXX Checking account ending in XXXX), on file. Also, that you, XXXX XXXX authorize LendingClub to withdraw from your Checking account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for the amount of $XXXX for your hardship plan payments. Finally, that we have your authorization to ACH debit this account on the date(s) described. By choosing this method, you are confirming all information is accurate and that we have authorization to proceed.
* Mail-in check payments: If you choose this option, we will provide a mailing address for you to send your check payments in your hardship plan confirmation letter.
Step 3: Respond
To move forward with this plan, please respond to this email immediately with the payment method you have chosen.
Once you confirm the hardship plan details, payment method, and dates, we will email you a confirmation letter within 3 business days.
If you have any questions, please get in touch with us at XXXX or by email at XXXX. Our business hours are Monday through Friday from XXXX XXXX to XXXX XXXX, and Saturday from XXXX XXXX to XXXX XXXX Pacific Time.
Best regards,
XXXX XXXX XXXX
XXXX is receiving this message because we are notifying you of a transaction that has occurred in an account registered at Lending Club and associated with this e-mail. This transactional message is being sent in accordance with Lending Club's Terms of Use. You cannot opt-out of receiving transactional emails as they provide important information about your account. Please view the "Communications from Our Site" section of our Privacy Policy if you have any questions. Eligible servicemembers may be entitled to additional benefits and protections. More information is at Lending Clubs SCRA benefits page here.
All loans made by XXXX, Member FDIC. Borrower must be a US citizen or permanent resident and at least 18 years old. Valid bank account and Social Security number are required.
All loans are subject to credit approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage, and credit history.
Our mailing address is: Lending Club, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
The information transmitted is intended only for the person or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you received this in error, please contact the sender and destroy any copies of this document and any attachment.
[XXXX]
_______________________________________________________________
Having agreed to the plan, I was shocked to learn from my Bank that Lending Club had tried to withdraw an unauthorized amount and am moving forward with a fraud investigation with my Bank, my legal counsel and XXXX XXXX, Florida State Attorney.
In complete disregard to our agreement - Lending Club then sent me this email -
---------- Forwarded message ----------
From: Lending Club
Date: Wed, XX/XX/XXXX at XXXX XXXX
Subject: Your Loan Payment Could Not Be Processed
To: XXXX
Your Loan Payment Could Not Be Processed
Lending club
Your Loan Payment Could Not Be Processed
Hi XXXX,
Your loan payment of $XXXX due on XX/XX/XXXX could not be processed due to insufficient funds in your bank account.
We will attempt to process your $XXXX payment again in five business days. Please ensure that you have sufficient funds in your bank account at that time.
If you would like to schedule an alternative payment date or have questions about your loan, please call us at (XXXX) XXXX. Our business hours are Monday-Friday XXXX XXXX-XXXX XXXX PT.
We appreciate your business!
Thanks,
Lending Club
Lending Club reports all account experiences - positive and negative - to one or more of the credit reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected in your credit report, as will a record of on-time payments.
XXXX is receiving this message because we are notifying you of a transaction that has occurred in an account registered at Lending Club and associated with this e-mail. This transactional message is being sent in accordance with Lending Club's Terms of Use. You cannot opt-out of receiving transactional emails as they provide important information about your account. Please view the "Communications from Our Site" section of our Privacy Policy if you have any questions. Eligible servicemembers may be entitled to additional benefits and protections. More information is at Lending Club's SCRA benefits page here.
The information transmitted is intended only for the person or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you received this in error, please contact the sender and destroy any copies of this document and any attachments.
All loans are issued by XXXX, member FDIC. Borrower must be a US citizen, permanent resident or be in the United States on a valid long term visa and at least 18 years old. Valid bank account and Social Security number are required.
All loans are subject to credit approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage, and credit history.
Our physical address is: Lending Club, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Equal Housing Lender
_____________________________________________________________
Due to Lending Club's blatant initial disregard for me and my family being evacuees in a CAT 5 hurricane we are forced to proceed with legal action and are looking into any and all options. Having done some research on Lending Club who is in the process of trying to change its name to avoid association with the fraud and scandal that has recently been uncovered ( please see here. )
XXXX
It is obvious that a company who lies to investors and whose CEO was forced to resign is not operating at peak compliance efficiency. Though this situation has devastated us, we are certain that there are thousands more clients in Texas, Florida and now in Lending Club's backyard due to the XXXX XXXX XXXX fire who are being jerked around and blatantly lied to.
One can plainly see the agreement for interest only payments which would still be hard for us, we had request a 60-90 day reprieve to get back on our feet due to the CAT 5 natural disaster we just survived - this proposed reprieve was given to us by every creditor we had voluntarily except for Lending Club which treated us as though we were garbage and then fraudulently attempted an unauthorized withdrawal from my person checking account without my consent and in direct violation of the written modification email pasted above in this email - happy to send the originals, just ask.
Lending Club is now threatening to report payments as late and is relentlessly emailing and calling from various blocked or strange numbers. When I answer, there is no one there and then the line goes dead. Here is a threat from Lending Club as of 2 hours ago today -
---------- Forwarded message ----------
From: Lending Club
Date: Fri, XX/XX/XXXX at XXXX XXXX
Subject: Urgent Please Contact Lending Club
To: XXXX
Urgent Please Contact Lending Club
Lending club
Urgent Please Contact Lending Club
Dear XXXX,
Your account is now past due in the amount of $XXXX, and we have been unable to reach you. To help you avoid additional fees and damage to your credit history, please call our office toll-free at (XXXX) XXXX today!
One of our experienced team members is ready to work with you to find a solution. Our business hours are Monday-Friday XXXX XXXX-XXXX XXXX Pacific Time.
It's important to understand that Lending Club reports all account experiences - positive and negative - to one or more of the credit reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected in your credit report, as will a record of on-time payments.
Best regards,
Lending Club
This is an attempt to collect a debt by a debt collector and any information we obtain will be used for that purpose.
XXXX is receiving this message because we are notifying you of a transaction that has occurred in an account registered at Lending Club and associated with this e-mail. This transactional message is being sent in accordance with Lending Club's Terms of Use. You cannot opt-out of receiving transactional emails as they provide important information about your account. Please view the "Communications from Our Site" section of our Privacy Policy if you have any questions. Eligible servicemembers may be entitled to additional benefits and protections. More information is at Lending Club's SCRA benefits page here.
The information transmitted is intended only for the person or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you received this in error, please contact the sender and destroy any copies of this document and any attachments.
All loans are issued by XXXX, member FDIC. Borrower must be a US citizen, permanent resident or be in the United States on a valid long term visa and at least 18 years old. Valid bank account and Social Security number are required.
All loans are subject to credit approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage, and credit history.
Our physical address is: Lending Club, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Equal Housing Lender
|
11/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! 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 XXXX XXXX XXXX XXXX and XXXX. 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 Federal Trade Commission, 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. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! 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 XXXX XXXX XXXX XXXX and XXXX. 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 Federal Trade Commission, 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. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ACCOUNT NAME & BALANCE I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244 & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
03/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
This complaint is really a complaint for 2 companies. If I have to copy and paste this to submit another complaint I will. For the last 9 months I have been trying to fight some loans that were opened up because of Identity theft. I have been successful in dealing with most of the lenders but there are two that have been giving me problems that I do not know how to resolve.
Without attempting to garner any extra sympathy from you there is something I believe you need to know about me. I am XXXX years old. I am also a widow. I have lived a good long life. That doesn't mean however that I don't care about my name or my reputation. On top of my personal credibility, I also care about my financial situation. I am a single woman who is about to retire as the skin and bones in my body will no longer hold up for me. The last thing I want to do is go into retirement with over {$20000.00} of fraudulent loan debt in my name.
For the last few years my health has been degrading. I have tried my hardest to take care of myself as well as my daughter. I was able to do so for a very long time but the last few years I finally failed. For your information my daughter was not the best of people and it shames me to have to tell others about it especially since she has already XXXX XXXX XXXX XXXX XXXX XXXX. She was a XXXX. These last few years I have been in and out of hospitals and sometimes my stay was for several weeks. During this time my daughter was telling me that she knew that she has been a burden and was going to attempt to check herself in to helpful programs like XXXX, or XXXX among others. After one of my hospital visits for multiple weeks, my daughter had obtained money to help her in her XXXX XXXX XXXX ( or at least that is what she told me ). I found out about this because when I went home from the hospital I saw several thousands of dollars in my bank account that I didn't know where it came from. She placed it there because she herself didn't have a bank account. over the next few months my daughter would ask me for some of the money so she could pay for her treatments. Obviously I gave it to her. This went on for a few months.
After a few months, I started seeing automatic withdrawals from my bank account. I didn't know where they were coming from so I called every single entity that was pulling the money from my account. Then and only then did I discover what my daughter had done. According to the lenders, I had applied for multiple personal loans. I was so ashamed and felt so betrayed. My daughter always had problems but she had never stooped to this level. I didn't know what to do. On one hand, I didn't want to throw my daughter to the wolves. On the other hand, this was a burden even I could not take on behalf of my daughter. I did what I could and I tried paying as many loans as I could but it just became too overwhelming. {$1300.00} a month in loans at my age was more than I could afford. I was ready to declare bankruptcy but my daughter claimed she had consolidated the loans for me. Just when I thought things were finally getting better for me, the unthinkable happened. My daughter, XXXX bless her soul, XXXX XXXX.
Once she XXXX XXXX I was distraught. She XXXX XXXX on XX/XX/2017. I was now all alone as both my husband and only child left me. Not only that, but I was all alone with a debt that I did not ask or sign for. I hired a company to help me figure out a way to be liberated from this debt. They were called XXXX XXXX. It was a sham. All they did was send letters over and over but no results were obtained. I decided to take the next step and research my options and spoke with many people. I ultimately came across the fact that I was the victim of Identity theft. While I knew my daughter defrauded the loan companies, I guess my lifetime of having to pay for her mistakes did not allow me to see that she really victimized me. But it only made perfect sense since some of these loans were opened in my name while I was hospitalized and unknowing. I decided to fill out a police report and a fraud affidavit. I called every single one of these lenders and informed them of the facts and submitted my paperwork to them.
During this fraud investigation I received a call from these lenders asking me for information. I was very honest to all of them and I told them of everything that transpired. I didn't lie or hide the information about how I hired people to help me in clearing my name. I informed them that my daughter was an XXXX and was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the same day she was released. She XXXX to a XXXX XXXX. Once they asked me to submit the report and fraud affidavit, I did so and never heard back from them. Eventually the accounts were soldt to collection agencies.
I found out because the collectors starting sending me notices.
I was confused and upset because I was under the impression that this report and affidavit was what the lenders needed to clear my name since I never opened these loans myself. In fact, it was my understanding these loans were made online. Once the collectors received the accounts I explained to them what was happening. All the collectors told me they recognized these accounts as fraudulent. They also told me they would cease efforts to collect these debts and the accounts would be submitted for a buy back from the lenders. But I can no longer stand by and just take their word for it. I was lied to by my daughter, lied to by XXXX XXXX lied to or at the very least misled by XXXX XXXX and Lending Club, I could no longer just believe what anyone told me. I then decided to hire XXXX XXXX at XXXX XXXX XXXX. His company had great reviews locally so I decided to at least speak to him and see if he could help me.
XXXX told me many things. He informed me that it did sound like I was the victim of identity theft. He told me that I had taken the proper steps to notify creditors of fraud by submitting a police report and a notarized affidavit. He informed me that XXXX XXXX and Lending Club did not do a proper investigation if they never notified me after receiving my documents what the status of the investigation was. He also stated that although he is not an attorney, he believed that these lenders may have taken unfair and possibly illegal means to collect a fraudulent debt by selling it to a collector knowing full well it was fraud. I could tell by his demeanor that he knew what he was talking about so I decided to trust me in assisting me with getting this resolved. He did so by communicating with the 2 collection agencies who had unknowingly bought this fraudulent debt from XXXX XXXX and Lending Club.
Lending Club did buy the account back but it didn't help me out any. After XXXX spoke with Lending Club, they told him many things which upset me even more. It was almost as if they were only listening to what they wanted to hear to manipulate it to their own benefit instead of the entire situation. Lending Club claimed this debt was considered valid because in a conversation with me, the investigators stated I told them I knew about the debt. They also stated that I benefited from the money as it was placed in my bank account. Because of this, they deemed the debt was valid. The first point I want to make to you is that I am not contending that I knew about the debt. What I am contending is to when my knowledge came about and how that doesn't constitute me as a responsible party to it. Yes I learned about the loans and the debt, but it was only after I spoke with the lenders after money started being withdrawn out of my account without my approval. It wasn't until then that I learned an account had been fraudulently opened under my name. That doesn't mean I had knowledge or gave permission to open these accounts fraudulently. Also, to say that I benefited from this money is stretch at the very least. Was the money placed in my account? Yes. Did I give my daughter the money when she asked for it? Yes. But that doesn't mean that I personally benefited from this money. To say that I did only goes to show that this lender doesn't care at all that I was a victim of fraud. They just want to come after me for money I didn't use. That also doesn't liberate them from the fraud they are committing.
To say that I am responsible because I knew about the loan even though I didn't at fist is one thing. To say the money was placed in my account and therefore I benefited from the money is also something that is not true but I could as an analytical person see where they are coming from. But to say that I personally opened this loan, credit report a loan under my name, sell this fraudulent debt to a debt collector under the false premise that I signed for it and therefore my responsibility is something entirely different. Lending Club is committing fraud against me and anybody else who pulls up a credit report by falsely reporting that I, XXXX XXXX, did knowingly and willingly sign for, apply for, or attempted to obtain a loan of any kind from them. Wanting me to pay for money that was placed in my bank account is one thing. Credit Reporting that I opened a loan knowing full well that I didn't and then going as far as to report it as a charge off and sell it to a collector is the most egregious violation of the Fair Credit Reporting Act and undermines everything that law was written to protect against. The integrity of a credit reporting system that is both fair and accurate. Just the reporting of this loan is a willful violation of that law and is outright fraud.
Because I have been attempting to fight this account as fraud since XXXX, and because I have taken every step asked of me by Lending Club to no avail, and because I have had to spend time, money, and undue stress fighting and hiring people to assist me only to Have Lending Club ignore every attempt to right this wrong, I am filing this complaint as a final attempt by me to get XXXX XXXX to stop credit reporting this debt on my credit report and cancel it as the fraud account that it is. I am old, lonely, newly bitter, and soon to be retired with nothing to fill my time with. I will sue them if they don't fix this soon.
|
01/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
" Have peace of mind knowing that the financial institution that issued your XXXX won't hold you responsible for unauthorised debit card use '' is a central part of XXXX 's zero liability protection.
I own a small business and I am the only owner/employee. I have a business checking account with Lending Club Bank formerly known as XXXX XXXX ( I chose Lending Club as the company name when filing this complaint as neither Lending Club Bank nor XXXX XXXX came up as being registered to receive your complaints ). The business checking account is coined " Tailored Checking '' by the Bank and on the Bank 's website it is specifically targeted to small businesses such as mine and prominently advertises its affiliation with XXXX and offers its customers a Business XXXX debit card with the Bank 's insignia and XXXX 's logo on the card and words Business Debit Card all on top facing half of the card.
As I started this complaint with above, XXXX provides all consumers and small businesses zero liability against fraudulent or unauthorized charges if reasonable care by the cardholder is followed in the use and handling of the card and the loss is immediately reported to the issuing financial institution. XXXX 's website also specifically targets small businesses and advertises the zero liability promise and even includes in its Master Rules " Rule 6.3 '' which includes language that limits the liability of cardholders and affirmatively includes protection for business debit card purchases.
This caveat and the inclusion of small businesses is central to my situation and generally it's especially important as XXXX does not extend zero liability to commercial cardholders and not all banks are eager to provide protection for fraudulent or unauthorized transactions when its a business debit card that is used ( recognizing also that Regulation E only pertains to consumer debit card transactions ).
On XX/XX/XXXX, I used my Lending Club Bank debit card to pay for audio repair and installation for a vehicle owned in my business 's name at XXXX XXXX in XXXX, WA. The maximum agreed price for the project was agreed upon as {$1000.00} prior to the work starting. The work was finished in less than four hours and I was promised a receipt and warranty information for the work by email.
The next day was XXXX XXXX, Monday XX/XX/XXXX, and I still had not received the aforementioned email with the receipt. The following day I checked my Lending Club online bank portal and realized that XXXX XXXX had charged my business debit card in the amount of {$3100.00}. I immediately called XXXX XXXX for an explanation and demanded the charge be reversed or otherwise refunded based on the {$1000.00} cap or maximum we had agreed upon. I also demanded an itemized receipt. It took two more days before I received a receipt and the {$3100.00} total was largely justified by line item charges that didn't explain or justify the charge and an exorbitant labor line item charge given the project was finished in under four hours. In short, the store refused to refund any money despite our agreement on what the charge would be before the worked commenced.
I immediately contacted Lending Club Bank and provided them with facts and asked them if they could assist in helping me recoup the funds that were not authorized but charged by XXXX XXXX. There was a flurry of initial back and forth emails and calls between myself and XXXX in Lending Club Bank 's customer service department. I don't have a history in this sort of thing and at the time had little knowledge on what if any remedy existed except for the general sense that through XXXX my bank provided some level of protection and certainly that I could trust its employee and their expertise to guide the matter in the right direction.
This didn't occur. XXXX decided that the best course ( in fact, the only course ) of action would be to initiate a chargeback against XXXX XXXX for {$2100.00} which is the amount over the {$100000.00} agreed upon price. I asked about a timeline. XXXX from the beginning made it clear that since I was using a business debit card that normal chargeback rules would not apply but indicated that he would stay in contact and keep me updated.
That also didn't occur. It's now been over four months since I reported the matter to Lending Club Bank. Not once has anyone from the Bank ever called me, returned a call, or initiated any correspondence by email. On occasion they have responded to emails of mine often times it taking several emails from me and weeks to get a response. The responses are usually anonymously signed by their " Customer Service LendingClub Bank '' tagline. I do not have a point of contact and despite many requests for a return call or to be transferred to a supervisor I have never been able to communicate with anyone at the Bank except what appear to be customer service employees.
This matters because XXXX informed me a month after the chargeback was initiated that their bank would not be providing me with any credit for any dollar amount since Regulation E only protected consumers. By then I had researched both the law and what is customary within the banking world as it relates to liability for unauthorised business debit card transactions. I was aware that Regulation E was not in play. I was also aware that nonetheless I was protected by XXXX 's zero liability guarantee that my bank would not hold me responsible for debit card charges I did not authorise.
There is an evident lack of training in Lending Club Bank 's customer service department in this area. I can not necessarily blame the customer service workers who can not point me to any language in any of the bank 's disclosures that warn its potential small business customers that their funds are not protected. It's not their fault that the Bank has failed to include anything that would put a customer on notice that each time they use their debit card that all their money is at risk. But the employees have been firm in their response that I will not be credited any of the missing money since I was using a business debit card ( one employee labeled my account a commercial account when I told him that my small business was protected ). This only speaks to the lack of training since in no scenario would my one man shop of a business need or be given a commercial account and the Tailored Account that I do have is clearly labeled as a business account in the literature, on their website and in form and function.
I have repeatedly inquired about XXXX 's zero liability protection. No one has acknowledged that it actually exists or protects me in this situation. I'm still uncertain if its by design or not but its highly suspicious that they are not acknowledging that the zero liability kicks in no matter what and instead that the bank has led me down a chargeback recovery path knowing my chances of recovering that way were slim since I was using a business card. But I don't even know for certain if a chargeback was filed because I've never gotten any feedback on XXXX XXXX response other than XXXX telling me months after he chose the chargeback route that XXXX XXXX didn't have to respond since it was a business debit card transaction and if they chose not to respond that was the end of any chance of me being made whole.
I last talked with XXXX before XXXX and he feigned any familiarity with the zero liability pledge that XXXX promotes and said he would follow up on the next step if any. He never did follow up. Last week I asked the bank in writing that they return the {$2100.00} to my account pursuant to XXXX 's zero liability protection and that they were wrong for trying to frame this as a chargeback where I was only protected if the merchant agreed to refund me money. There response was that I was not protected by Regulation E!
So I'm here filing this complaint and asking for some assistance from CFPB in getting Lending Club Bank to honor its card network agreement and XXXX Rule on unauthorised debit card transactions. It's been four months of little to no action and zero forward movement on the matter coupled with me no longer trusting that their employees are telling me the truth or are even trained to understand card network policies. Even more troubling is that this matter would be long forgotten and my money not protected but for the quite obvious fact that I've had to personally be involved in the matter at an unprecedented level. I shouldn't have to worry that my bank isn't telling me the truth when they say they are doing everything they can to get my money back. And they need to return it.
My {$2100.00} is still missing and I have anything but the " peace of mind knowing that the financial institution that issued my XXXX won't hold me responsible for unauthorised debit card use ''.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX am including much of the correspondence between the bank and myself as it was largely done over email. There are six attachments and each begins with a number 1 through 6. Unfortunately, they didn't populate in the correct order. Please read them in order... for example, Attachment 1 should be the first few emails beginning in XX/XX/XXXX and each attachment in sequential order ( 2 then 3 then 4 and so forth ) should follow with subsequent emails in order as they were written through XX/XX/XXXX as seen in Attachment 6.
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03/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
Agent Can we help you with making a payment today? We are here to support you and assist with getting your account back on track.
https : XXXX Days after the relief law was signed, the Consumer Financial Protection Bureau ( CFPB ) released a policy statement directing companies to report that consumers were " current '' on their loans even when they were taking advantage of relaxed payment schedules.
The trouble started when some lenders and loan Now, the pandemic has caused that problem to mushroom. Since last XX/XX/XXXX, the CFPB has received nearly 280,000 consumer complaints about credit reporting an all-time high, and an 86 % increase from the days before the pandemic, according to the consumer advocacy organization the U.S. Public Interest Research Group.
LendingClub Corporationsmall loanOpens a dialog small loan XXXX Detailsfor LendingClub Corporation small loan *XXXXOpens a dialog Pay From Choose a pay from account for LendingClub Corporation small loan XXXX from the list.
XXXX XXXX XXXX XXXX LendingClub Corporation small loan XXXX View payment details to LendingClub Corporation small loan XXXX on XXXX in the amount of $ XXXXOpens a dialog XXXX XXXXView payment details to LendingClub Corporation small loan XXXX XXXX XXXX in the amount of $ XXXXOpens a dialog XXXXView payment details to LendingClub Corporation small loan XXXX on XXXX in the amount of $ XXXXOpens a dialog XXXXView payment details to LendingClub Corporation small loan XXXX on XXXX in the amount of $ 56.63Opens a dialog 3-4-21View payment details to LendingClub Corporation loan big XXXX on XXXX in the amount of XXXX XXXXOpens a dialog XXXXView payment details to LendingClub Corporation loan big XXXX on XXXX in the amount of $ XXXXOpens a dialog XXXXView payment details to XXXX XXXX loan big *XXXX on XXXX in the amount of $ XXXXOpens a dialog Scheduled Paymentsfor LendingClub Corporation loan big XXXX XXXXView payment details to LendingClub Corporation loan big XXXX on XXXX in the amount of $ XXXXOpens a dialogChangemenu for LendingClub Corporation loan big XXXX on XXXXCancelmenu for LendingClub Corporation loan big XXXX on XXXX More Activity Loan Number XXXX XXXX Payment Information Next Payment $ XXXXNext Payment Date-Manage PaymentsMost Recent Payment XXXX XXXXPaid onXX/XX/XXXXPrincipal XXXX XXXXInterest {$0.00} View Payment History Loan Overview Balance OverviewLoan StatusCHARGEDOFFRemaining Principal Balance $ XXXXPrincipal Paid to Date $ XXXXOverdue Amount $ XXXXNumber of Remaining XXXX TermsOriginal Loan Amount $ XXXXLoan Term38 monthInterest Rate10.33 % Annual Percentage Rate14.65 % APR THIS IS WRONG, I HAVE BEEN PAYING AND IT'S NOT BEING APPLIED. I HAD COVID HARDSHIP AGREEMENT FROM XXXX THUE XX/XX/2021. I HAVE CONTACTED YOU AND CREDIT INVESTIGATIONS. I AM A XXXX VETERAN AND RETIRED XXXX XXXX. I WAS HOSPITALIZED TWICE IN THREE MONTHS AND THIS IS HOW YOU ME ME.
Due Date Posting Date Amount Principal Interest Late Fees Principal Balance Payment Status XX/XX/2021 {$0.00} {$3000.00} Not Received - on time XX/XX/2021 {$0.00} {$3000.00} Not Received -- -- -Original Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX Sent : Sat, XX/XX/2021 XXXX XXXX Subject : Bank statements from missing payments LendingClub Corporation loan big XXXX LendingClub Corporation small loan XXXX Spoke with XXXX in payment solutions , who has noted my accounts and advised that I call back to payment solutions on XX/XX/XXXX to see if payment updated were applied.
Payment activity over a given time. Table contains the Description, Category, Amount, Delivery Date, and Status.It gets updated automatically every time you change the filtering options.
S how / Hide Details DescriptionSorted by the Deliver By column. Select to sort by Biller Name from A to Z. Amountand Pay From Account Sorted by Deliver By. Select to sort by Amount from smallest to largest. Deliver BySorted from latest to earliest. StatusSorted by the Deliver By column. Select to sort by Status from A to Z.
Show payment details for LendingClub Corporation loan big XXXX AutoPay for {$150.00} on XXXX LendingClub Corporation loan big XXXX AutoPay {$150.00} XXXX XXXX XXXX XXXX XXXX Scheduled Cfm # XXXX Show payment details for LendingClub Corporation loan big XXXX AutoPay for {$150.00} on XXXX LendingClub Corporation loan big XXXX AutoPay {$150.00} XXXX XXXX XXXX XXXX XXXX In Process Cfm # XXXX Show payment details for LendingClub Corporation loan big XXXX for {$400.00} on XXXX LendingClub Corporation loan big XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX Processed XXXX # XXXX Show payment details for LendingClub Corporation loan big XXXX AutoPay for {$75.00} XXXX XXXX LendingClub Corporation loan big XXXX AutoPay {$75.00} XXXX XXXX XXXX XXXX XXXX Processed Cfm # XXXX Show payment details for LendingClub Corporation loan big XXXX AutoPay for {$55.00} on XXXX LendingClub Corporation loan big XXXX AutoPay {$55.00} ADV PLUS BANKING XXXX XXXX Processed Cfm # XXXX Show payment details for LendingClub Corporation loan big XXXX AutoPay for {$55.00} on XXXX LendingClub Corporation loan big XXXX AutoPay {$55.00} XXXX XXXX XXXX XXXX XXXX Processed Cfm # XXXX Show payment details for LendingClub Corporation loan big XXXX AutoPay for {$55.00} on XXXX LendingClub Corporation loan big XXXX AutoPay {$55.00} XXXX XXXX XXXX XXXX XXXX Processed Cfm # XXXX Show payment details for LendingClub Corporation loan big XXXX for {$55.00} on XXXX LendingClub Corporation loan big XXXX {$55.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Show payment details for LendingClub Corporation loan big *XXXX AutoPay for {$55.00} on XXXX LendingClub Corporation loan big XXXX AutoPay {$55.00} XXXX XXXX XXXX XXXX XXXX Processed Cfm # XXXX Show payment details for lending tree loan big XXXX AutoPay for {$55.00} on XXXX lending tree loan big XXXX AutoPay {$55.00} XXXX XXXX XXXX XXXX XXXX Processed Cfm # XXXX Total {$1000.00} Scheduled, In Process, and Processed payments only, including any fees.
LendingClub Corporation small loan XXXX AutoPay {$100.00} XXXX XXXX XXXX XXXX XXXX Canceled Cfm # XXXX Show payment details for LendingClub Corporation small loan XXXX AutoPay for {$100.00} on XXXX LendingClub Corporation small loan XXXX AutoPay {$100.00} XXXX XXXX XXXX XXXX XXXX Scheduled Cfm # XXXX Show payment details for LendingClub Corporation small loan XXXX AutoPay for {$100.00} on XXXX LendingClub Corporation small loan XXXX AutoPay {$100.00} XXXX XXXX XXXX XXXX XXXX In Process Cfm # XXXX Show payment details for LendingClub Corporation small loan XXXX for {$200.00} on XXXX LendingClub Corporation small loan XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX Processed Cfm # XXXX Show payment details for LendingClub Corporation small loan XXXX AutoPay for {$56.00} on XXXX LendingClub Corporation small loan XXXX AutoPay {$56.00} XXXX XXXX XXXX XXXX XXXX Processed Cfm # XXXX Show payment details for LendingClub Corporation small loan XXXX AutoPay for {$56.00} on XXXX LendingClub Corporation small XXXX XXXX AutoPay {$56.00} XXXX XXXX XXXX XXXX XXXX Processed XXXX XXXX XXXX XXXX XXXX details for XXXX XXXX small loan XXXX AutoPay for {$56.00} on XXXX LendingClub Corporation small loan XXXX AutoPay {$56.00} XXXX XXXX BANKING XXXX XXXX Processed XXXX # XXXX Show XXXX XXXX for XXXX XXXX small loan XXXX AutoPay for {$56.00} on XXXX LendingClub Corporation small loan XXXX AutoPay {$56.00} ADV XXXX BANKING XXXX XXXX Processed Cfm # XXXX Show payment details for LendingClub Corporation small loan XXXX for {$56.00} on XXXX LendingClub Corporation small loan XXXX {$56.00} XXXX XXXX XXXX XXXX XXXX Processed XXXX XXXX XXXX XXXX payment details for LendingClub Corporation small loan XXXX AutoPay for {$56.00} on XXXX LendingClub Corporation small loan XXXX AutoPay {$56.00} XXXX XXXX XXXX XXXX XXXX Canceled Cfm XXXX XXXX XXXX XXXX details for lending tree small loan XXXX AutoPay for {$56.00} on XXXX lending tree small loan XXXX AutoPay {$56.00} ADV PLUS BANKING XXXX XXXX Processed Cfm # XXXX Total {$750.00} Scheduled, In Process, and Processed payments only, including any fees.
Agent Thank you for your patience, well be with you shortly.
In the meantime, you can either call us at XXXX or you can find answers to frequently asked questions here - https : XXXX.
I was told last week a manager would call me and correct this discharge and missing payments not applied. I have filed a compliant with credit bureaus.
Queue position : 2
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07/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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I had applied for a loan with LendingClub and consolidated my debt. Everything seemed fine, and I was making my monthly payments as instructed and even making extra payments to pay down my loan faster. I had some credit card debt left, but the loan covered most of it. Unfortunately, like many people, all the demand for my job disappeared when the pandemic hit, and I was left without adequate income in Nevada because we were under a lockdown. I had a couple of month of waiting period before payments were to resume.
During that time, I applied for Nevada XXXX since the demand was gone for my XXXX XXXX job. Nevada 's XXXX screwed up my XXXX application so badly to the point that I was left without any help for over nine months. I applied for work at a warehouse and did minimal XXXX, XXXX, and delivery to pay my bills which had sharply risen because the grace period was over and the interest piled on. Lendingclub called me to notify me of the return of my payments, and I called them to let them know that I wasn't sure if I was going to be able to do the payment if I had to do it all at once, so they asked me if I could pay a little now and I told them that I could if they made split payments so I would be able to pay the monthly required loan amount. We proceeded with this option, and the reps told me that it wouldn't affect my credit. I made the payments, and despite being financially crippled because of the circumstances, I never missed one payment with them or any of the credit cards I was paying off.
Finally, in XX/XX/2021, I received my XXXX and my back pay after going through a lawyer and a XXXX assistance group. Immediately, I paid off some of my credit cards and the full consolidation loan from LendingClub. With that loan out of the way, I finally could pay down my cards even further, and I began to do so. After paying some down, I applied to LC, XXXX LendingClub, again since I had paid off XXXX loan, and I planned to get another XXXX to put the rest of my cards, interest on one payment, and pay it off faster and more effectively. I called and filed but was denied, and the main reason was that I had a delinquent track record with my last loan. Confused, I told them that I had never missed a payment and had paid the required amount every month. According to XXXX, they told me that I had the marks and would have to talk to them about it. They also mentioned that the payments I had made could've gotten written up negatively because of the split payments. I was never informed of this when I had agreed to do the split payments. I immediately called XXXX and notified them of the problem, and they said I had no missed payments. I told them about what LC had told me, and they mailed me my credit report to show that I had no marks or delinquency. They said it must be something on their end. The next month after paying down more cards, I called again to apply and mentioned what had happened the last time, and again I was denied with the same issue popping up. I told them what happened, and they said, " It has nothing to do with us but just what was in XXXX XXXX report. '' I said there was nothing like that in the report and have the copies to prove it. They said they would forward it to the support/review team to get a clear answer. I also mentioned that the first rep had said on LC 's end that I had delinquent remarks even though I was told that it wouldn't affect my credit. He said he just saw exceptional payment history, and it must be something from XXXX or a different loan. I called, and XXXX again had no delinquent remarks from any loans.
Recently, I applied after paying down some of my biggest balances to address having such high credit to debt ratios and even paid off one of my biggest cards and getting below 50 % and having a major increase in income from trading, ridesharing and warehouse work. LC again denied me and repeated the same issue, and their support never reached out to me about the issue. I told them about the issue, and they said it must be someone else but not on their end. I asked again if they could make sure support actually reaches out to me, and they said it would be done in a couple of days.
I called today after it had been two weeks and told them I hadn't received a call and had to take more money out of my trading/savings than I wanted to in order to eliminate the debt further and asked where the explanation was. The rep I talked to transferred me to member support, and member support finally repeated what I had been told during the first denial about LC having a bad record on their end by marking me negatively for doing the split payments. This contradicted what three other reps had told me and confirmed what the first rep had told me. I told her that I was told that it wouldn't affect my credit. She said it didn't affect my credit, but it did affect my record on their end. I told them that I wasn't informed that this would have a negative impact on my ability to get a loan and asked why I'm being judged based on that when that was during a pandemic when I didn't have the income that I did now and how I had no knowledge that I was getting marked down because of the split payments even though I always paid the full amount I had to pay per month.
She said she understood my frustration and said I would be eligible once I received an offer letter before I decided to apply again. She said if I received an offer letter that I would be close to eligibility or eligible. She did note that I had applied a few times this year. I asked them when I could expect to see an offer letter, and she said she didn't know and couldn't tell me. I told her that wasn't clear and asked if this was just being made up to get me off the phone. She said she felt insulted that I was calling her a liar and tried to direct the conversation to her about why I would do that. I told her that wasn't my intention, but I had been given the runaround or incorrect information from almost every LC rep and that I was very suspicious based on my experience. I notified her that I had been reaching out and support had also failed to inform me of the evaluation and my concern with the marks and where they originated. I told her that while many people defaulted on their loans or took settlements, I had paid the full loan amount and was consistent with the amount I paid each month. I told her that despite this I was being marked down negatively without my knowledge because I was misled. I was told that it wouldn't affect my credit and while that is true, they didn't tell me that it would hurt my chances of getting approved for a loan and they also tried to deny it when I asked them directly what caused the negative remarks. The first rep was honest but the rest were not and tried to blame other companies and XXXX. As a result, the inquiries to get a loan likely hit my credit report because I didn't know what was wrong. I was marked negatively for making on-time payments that I was led to believe were affecting me positively. I also mentioned to her that XXXX has had numerous issues with LC regarding hidden fees and recently settled a big case this month. I don't believe extra fees were taken from me, but the fact is that I am getting punished for paying back every dime that I borrowed and doing the right thing.
I told her that I was very hurt and very dissatisfied with how LendingClub treated me and failed to express any remorse or empathy with how they misled me. They tried to blame everyone but themselves. I told her that I'm sorry she was mad that she thought I was accusing her of lying but I had been lied to and misled so much that I just don't know what to believe and they weren't fixing the problem nor giving me accurate information when they said they would. I told her I would notify the XXXX and the FTC about this because I'm truly hurt and I've been greatly misled by LendingClub 's dishonesty. I told her that if a supervisor has a problem with what I was saying to her over the phone that they could contact me and finally resolve this issue because at the beginning of the call, it said that the messages would be recorded for training purposes so I assumed they were recording me. I told her that I plan on notifying the FTC and XXXX and here is my proof that I'm doing so because unlike LendingClub I'm always honest.
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10/17/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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My account is being reported as past due, which has completely blindsided me. I am more than an account. I am a person. I am a person now severely suffering due to what appears as incorrect record keeping. I need help. I am pleading for Lending Club to see me as a human, a mother, an individual and not a loan number. I am asking Lending Club to now act as a corporation, but to truly read what I have provided to see the clear miscommunication on the status of my account. My loan was issued on XX/XX/XXXX. At the start of my loan, payments were due on the fifth of each month starting XX/XX/XXXX. I made my first payment on XX/XX/XXXX. In XX/XX/XXXX, I opted for the one-time payment date change and my payments changed to the XXXX of each month. I paid on XX/XX/XXXX. I paid the XX/XX/XXXX payment on XX/XX/XXXX. I paid the XX/XX/XXXX payment on XX/XX/XXXX, which was within the 15-day grace period. I paid the XX/XX/XXXX payment on XX/XX/XXXX, which was within the 15-day grace period. I paid the XX/XX/XXXX payment on XX/XX/XXXX, which was within the 15-day grace period. I paid the XXXX XX/XX/XXXX payment on XX/XX/XXXX.I paid the XX/XX/XXXX payment on XX/XX/XXXX, which was within the 15-day grace period. Despite me paying it on XX/XX/XXXX, within the grace period, Lending Club did not post it to my account until XX/XX/XXXX. I did not discover this until digging into this issue.I paid the XX/XX/XXXX payment on XX/XX/XXXX, which was within the 15-day grace period. Lending Club NEVER gave me credit for this payment. My account shows it as Processing when it was clearly received! The posting date on my Lending Club account is XX/XX/XXXX despite the payment being made on XX/XX/XXXX yet it still shows PROCESSING. I paid the XX/XX/XXXX payment in two parts on XX/XX/XXXX and on XX/XX/XXXX, within grace period. Again, the dates Lending Club posted to my account are not correct as they show as XX/XX/XXXX rather than XX/XX/XXXX and XX/XX/XXXX rather than XX/XX/XXXX.I paid the XX/XX/XXXX payment on XX/XX/XXXX. I paid {$130.00} to include the {$15.00} late fee. I paid the XX/XX/XXXX payment on XX/XX/XXXX. I paid {$130.00} to include the {$15.00} late fee. The XX/XX/XXXX payment was late. I fully accept this. My 25-year marriage fell apart. We separated. My son was devastated, I was blindsided. The financial impacts of the separation and the emotional stress and strain are not something words can adequately describe. My life fell apart, so yes ; I missed the XX/XX/XXXX payment. I called in and spoke to someone who said they would waive past late fees so that I only had to pay {$110.00}. I immediately sent a check for {$110.00}. I would not have paid that odd amount had a Lending Club representative not told me to. That payment was made on XX/XX/XXXX, so my XX/XX/XXXX payment was 42 days late. I fully accept this. My account history, however, shows this payment was never made. This is completely false. In XX/XX/XXXX, the longest XXXX XXXX in the United States history happened. I am a XXXX XXXX employee as is my spouse. We were separated during this time so already had that turmoil. Now we had no pay. Both incomes gone. I immediately mailed Lending Club my XXXX paperwork and called. I DISTINCTLY remember the conversation as the representative said I was her first XXXX XXXX employee to call in. The rep stated she would make the deferment from the XX/XX/XXXX payment through XX/XX/XXXX to allow me time to recover from the XXXX. Because she made the deferment through XX/XX/XXXX, my first payment after the XXXX was not due until XX/XX/XXXX! XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were deferred. DESPITE my doing EVERYTHING correctly, however, Lending Club reported my XX/XX/XXXX and XX/XX/XXXX payments as LATE! As soon as my pay was straightened out after, the XXXX ended and the XXXX decided to back pay us, I wanted to get back on track. I decided to make my XX/XX/XXXX payment early and did so on XX/XX/XXXX. I even paid more than what was due. Again, I thought I was doing something good, something responsible by paying earlier than needing to as a way to show Lending Club that I was back on track. For some reason, however, Lending Club applied that payment to my DEFERRED XX/XX/XXXX payment. Again, I had no idea Lending Club had done this. Despite my payment being made on XX/XX/XXXX, my Lending Club account history shows - in the Posting Date field. It even shows that it was paid in the grace period when it was paid early, as it was the XX/XX/XXXX payment! Again, thinking I had PAID the XX/XX/XXXX payment early, I thought my next payment was XX/XX/XXXX. Lending Club reported my XX/XX/XXXX payment as not received despite receiving it on XX/XX/XXXX! I paid the XX/XX/XXXX payment on XX/XX/XXXX. Again, I paid it early to show Lending Club that I was back on track. Despite my paying it early, Lending Club did not post it to my account until XX/XX/XXXX. In keeping with my showing Lending Club that I was back on track, I paid the XX/XX/XXXX payment on XX/XX/XXXX. Lending Club posted this to my account on XX/XX/XXXX AND posted it to my XX/XX/XXXX payment. I paid my XX/XX/XXXX payment on XX/XX/XXXX. Once again, Lending Club inaccurately posted it to my account history as the XX/XX/XXXX payment. I paid the XX/XX/XXXX payment on XX/XX/XXXX. Once again, Lending Club inaccurately posted it to my account history as the XX/XX/XXXX payment. Additionally, at this point, I have paid on time for XX/XX/XXXX and XX/XX/XXXX yet paid more than the {$110.00} due for each due to Lending Clubs inaccurate record keeping. To show Lending Club I am a solid customer, I simply paid the {$130.00} each time paying {$15.00} more on each. I was being charged a late payment when I was not late! I paid the XX/XX/XXXX payment on XX/XX/XXXX. Again, Lending Club did not apply it to the correct payment. Lending Club applied it to the already paid XX/XX/XXXX payment AND then reported my XX/XX/XXXX payment as NOT RECEIVED. Again, although I only owed {$110.00}, I paid what the payment rep told me to pay when I called in and paid {$130.00}. Another {$15.00} late fee I should not have paid. I have now paid {$45.00} in late fees for payments which were not late. I paid the XX/XX/XXXX payment on XX/XX/XXXX. Again, Lending Club made an error in reporting it on my account history. Despite my paying {$130.00} when {$110.00} was all that was due, Lending Club reported it as a Partial Payment. Lending Club also annotated the posting date as - when it posted on XX/XX/XXXX.Yesterday, XX/XX/XXXX, I called Lending Club and asked what I owe. The telephone representative stated I owed {$110.00}. I paid that. I paid on time and was not charged a late fee. Finally, it seems that Lending Clubs record keeping is up to date. The representative told me the payment would have to be scheduled for today, XX/XX/XXXX. I said that was fine as it was still before the XX/XX/XXXX due date. My Lending Club history clearly shows that payment as scheduled. I also received an email confirming the scheduled payment.The representative yesterday also informed me my account was marked as Do Not Contact. I never requested such a thing. Never.I am baffled as to why Lending Club is stating I am now 30 days past due for XX/XX/XXXX and 60 days for XX/XX/XXXX. It is XX/XX/XXXX. It is not even 30 days past my XX/XX/XXXX due date and certainly not 60 days past my XX/XX/XXXX due date. As I have proven, I have paid on time EXCEPT for XX/XX/XXXX. Lending Club is also erroneously reporting that my XX/XX/XXXX payment was late. This is also inaccurate.At this time, I have had payments 21 due ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were deferred ). Each payment was for {$110.00}. I should have paid {$2400.00} to date yet have paid {$2500.00}. I have paid late three times so should have paid {$45.00} in late fees. I have paid {$90.00}.
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01/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
Servicemember |
I had a loan payment n XX/XX/XXXX which returned NSF from my savings account. I called into Lending company at the end of XX/XX/XXXX and made the payment from my checking account ending in XXXX for {$160.00} and was advised this was my final payment. In XX/XX/XXXX I received an email from Lending Club reminding me of a payment due. I called into the company on XX/XX/XXXX and spoke with a representative who told me that my payment that I made in XXXX had a final balance of {$1.00} due to interest owed so I made the {$1.00} payment. I then received an email on XXXX XXXX from Lending Club saying they still hadn't received my payment for {$1.00}. My loan should have already been paid off with my Number payment. I called into the company again on XXXX XXXX and was told that I owed more than {$1.00}, I owed {$1.00} so I paid {$1.00} and this drafted my account successfully. I called in and spoke with another rep the same day just to be sure and she advised me that both of my XX/XX/XXXX payments returned from XXXX XXXX XXXX as NSF even the payment from my account ending in XXXX and that I still owed a full payment. I went to my XXXX XXXX XXXX account and it did not show that my XXXX payment returned, it showed that it debited my account XXXX XXXX for {$160.00}. I logged into the Lending Club.com profile to make this payment she said I owed just to be sure I didn't have any late reporting to my credit report. I reached out to Lending Club while I was logged into my account through the chat feature to try and get the final payment resolved. The representative named XXXX said the loan pay off was {$160.00} so I made the final payment with the representative through chat on XXXX XXXX and he confirmed in the chat that the loan was fully paid off however that payment never drafted my account. I received a letter from Lending Club in the mail dated XX/XX/XXXX saying that I missed my XX/XX/XXXX payment which was due on XX/XX/XXXX. I called into Lending Club again on XXXX XXXX and was told I still owed another full payment. I paid another payment with a phone rep with LendingClub today XXXX XXXX even though I feel now that I have over paid because I don't want this to mess up my credit. She said they could report me late for missing my payments but I have tried everything I could to get this loan paid off. I told her that the payment I made in XX/XX/XXXX did not return my account NSF like she was saying and I emailed her a copy of my XX/XX/XXXX bank statement ending in XXXX to her email XXXX showing that Lending Club drafted my account successfully. She said she was opening a request to have the back office look into that statement and possibly reversing any late reporting that may have resulted from their system showing that my payment was returned NSF. I also asked to have a manager return my call. I also emailed her a transcript of the online support chat I had with the representative from Lending Club on XXXX XXXX showing that I also tried to make sure this loan was paid off and resolved. I even confirmed with the rep in the chat if the loan would be paid off after my payment with him and he said yes. I have attached the conversation with the Lending Club chat representative below.
XX/XX/XXXX, XXXX XXXX Chat started Agent Can we help you with making a payment today? We are here to support you and assist with getting your account back on track.
Im try to pay off my loan XXXX joined the chat XXXX XXXX, XXXX XXXX. Thanks for chatting with me today. Give me just a moment to review your account so I can answer any questions you have.
Before we start discussing your payments, I want to let you know that this is an attempt to collect a debt and any information obtained will be used for that purpose. This chat conversation will be saved for our records.
The payoff good through XX/XX/XXXX would be for {$160.00}. Did you want to use your XXXX XXXX XXXX checking account ending in XXXX to pay off the loan?
Yes XXXX XXXX! To confirm, I understand that you, XXXX XXXX, authorize LendingClub to withdraw from your checking account ending in XXXX on XX/XX/XXXX for the amount of {$160.00} to pay off the loan. Do I have your authorization to ACH debit this account on the date ( s ) we have discussed?
Chat ended XX/XX/XXXX, XXXX XXXX Chat started Yes XXXX joined the chat XXXX Hi, XXXX XXXX. Thanks for chatting with me today. Give me just a moment to review your account so I can answer any questions you have.
Before we start discussing your payments, I want to let you know that this is an attempt to collect a debt and any information obtained will be used for that purpose. This chat conversation will be saved for our records.
Looks like we got disconnected. So moving forward : To confirm, I understand that you, XXXX XXXX, authorize LendingClub to withdraw from your checking account ending in XXXX on XX/XX/XXXX for the amount of {$160.00} to pay off the loan. Do I have your authorization to ACH debit this account on the date ( s ) we have discussed?
Yes XXXX Awesome! You'll be getting an email confirmation for that payment soon. Our phone number will also be in that email.
Just so you know, it can take up to 60 days to see your loan as " Paid Off '' on your credit report. If your payoff isnt showing after 60 days, please contact us again, and well be happy to help.
XXXX Just so you're aware, since your making your XXXX payment beyond it's grace period, it will have the potential to be outsourced to a 3rd party company. Usually we'll charge a late fee, but we're not assessing any late fees during the pandemic. Also, you'll be marked internally late on your account, but no negative credit reporting will take place since you're making the payment within 30 days.
The payment today will close your account.
Sir I was told my last payment was the payoff which is the only reason its late I was never late with your company until there was an issue with the savings account on file for the month of XXXX XXXX I'm just letting you know where your account stands before you paid off your loan. The payment today will close your account.
Yeah and Im trying to tell you thats an error because I called in XXXX to pay the loan off and was told that was my last payment Then I got an email notification saying I owed for XXXX so I called in and was told I had a {$2.00} balance I paid that XXXX I do see that. Well looks like you don't have to worry about it anymore.
XXXX last thing. I just want to make sure your contact information is up to date. Has anything changed with your address and can you confirm your phone number please?
Then I logged in just now and its showing another whole payment so thats why Im paying it..Im asking for this to be reviewed and updated so it doesnt affect my account in any way My info is fine XXXX XXXX! Just to recap, you paid off your loan today for {$160.00} out of your XXXX XXXX XXXX checking account ending in XXXX. Your next due date is XX/XX/XXXX, but once the payment goes through for today, no further payments are due in full.
Just to clarify this loan is officially paid off correct?
XXXX XXXX.
I just want you to know I told you about an issue and you said you dont have to worry it about it anymore..this will be my last loan with your company Take care XXXX XXXX XXXX XXXX Thanks for chatting with me today. If you need to chat with us again, our business hours are Monday Friday, XXXX XXXX XXXX XXXX, or you can reach us by phone at XXXX Monday Thursday, XXXX XXXX XXXX XXXX, Friday, XXXX XXXX XXXX XXXX, and Saturday, XXXX XXXX XXXX XXXX PT. Have a great rest of your day!
XXXX left the chat Chat ended Today XXXX XXXX Chat started Agent Can we help you with making a payment today? We are here to support you and assist with getting your account back on track.
Chat ended
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11/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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Below, is basically a copy of what I sent to Lending Club on XXXX XXXX, 2020. As of today ( XX/XX/XXXX ) I still have not heard from them, to try and correct this issue. This morning I called them, to try and get this resolved. The first person I talked to ( XXXX XXXX disconnected me, at about 6 minutes into my conversation, I called back a second time and talked to XXXX, at approximately XXXX XXXX MST. After providing her with somewhat of a condensed version of the events below, she informed me that I would have to talk to a supervisor about resolving my issue, but that because it was the weekend, none of them wee available. She informed me that she was placing me on a breif hold, and that she was going to email the supervisor ( s ). When she got back on the phone she told me that she had explained my situation in the email, and requested that they call me. I asked her, 'If the call and I don't answer, are they going to leave me a VM and a number to call back? ' She said she was not sure if they leave VS 's or not. I told her, 'I would hope so, since that is the only professional thing to to do. ' I then proceeded to ask her, 'What can I do with my account today, so that it doesn't report to the credit bureau as a late payment today? ' 'Can I pay the {$240.00}, interest that is due for XXXX? ' ( That was agreed upon in XXXX XXXX. She basically told me that she didn't know how that would effect my account and that it would be best if I waited until a supervisor reviewed my account, and determined the issues surrounding it.
*Below sent to Lending Club through their email address of payments@lendingclub.com on XX/XX/XXXX. * Today, I received a notification from XXXX XXXX, that Lending club had reported my account as being past due. Today I pulled up my account, and it says that I am {$1400.00} pat-due. The only payment that is due is for XX/XX/XXXX in the amount of {$240.00}. This is based on an interest only agreement that I entered into on XXXX XXXX, 2020. On XX/XX/XXXX, I contacted your office in regards to the payment that was due on XX/XX/XXXX, 2020.. During this phone call with the customer rep, XXXX, I explained to her that I had 2 issues that I needed to take care of. First, that my checking account had been debited for {$480.00}, for my XXXX payment and that it was not supposed to be. I continued to explain to XXXX that when I made my call to defer my payment in XXXX, for XXXX, ( because I was STILL unemployed ) I had explained to the gentleman that helped me, that I was unable to make my XXXX payment because I was still unemployed and that at that point, I did not know what XXXX was going to hold for me. At that same time, I also had him remove my automated ACH payment from my account, because I had forgotten to call earlier in XXXX and my regular payment of {$480.00} drew out of my checking account in XXXX. This prompted my phone call in the first place. Therefore, I decided to be proactive in regards to my XXXX payment, so the same thing didn't happen, again. The customer service rep assured me that the ACH was off, and that I would physically have to call in, to make my payment. However, he asked for my routing # and account # while I was on the phone with him. I asked him, 'Why do you need my account information, if I have to physically call in to make the payment '? He said, 'So that when you call in, we have your information on file '. This still perplexed me, and I asked about it again, trying to get reassurance that the payment was not going to be automatically withdrawn. His answer to me that time was short, and he stopped short of telling me, If I would just shu- --, just listen, I'm explaining it to you. '' YES, YES!!! your employee was going to tell me to shut up!! Listen to your recording, and you'll hear it. You can tell the minute I knew what he was going to say, that my whole demeanor and tone of voice changed. I want that recording listed too. Shortly following that phone call, I received a payment reminder email. I called Lending club again, just to confirm that there wasn't a payment showing as due. The person who helped me said, no there is no payment showing as due, to disregard the reminder. At that time, I asked again for confirmation that my automatic ACH had been shut off. Once again one of your representatives assured me that yes, it was off. Well, low and behold, here comes XX/XX/XXXX, and guess what???? my payment was withdrawn from my checking account.
As I stated although I was assured that my XXXX payment would not automatically come out of my account, and it did. As stated before, I called on XX/XX/XXXX2020 and spoke to XXXX. I told her that I needed my {$480.00} back, because I was STILL unemployed and needed those monies back ; in order to pay my rent. At that point, she put in a 'request, ' to see if the payment could be reversed, and told me it would take 7-10 business days to get the money back, and that someone had to listen to the recordings to see what went on. After that issue was put in motion, I continued to explain to XXXX that I was STILL unemployed, and that I needed to see what options were available to me. After looking over my account, she said that she could offer interest only for XXXX and XXXX, 2020 and that my payment amount for those 2 months would be {$240.00}. After my conversation with XXXX, that same day, I received an email that said my payment plan was accepted.
On Monday, XXXX XXXX, 2020, I received a credit into my checking account from Lending Club in the amount of {$480.00}, for the XXXX payment that was inadvertently withdrawn from my checking account. on XX/XX/XXXX.
At this point, I thought that my account would receive an extension for the XXXX payment, because the monies had been returned to me and that I would not have a payment due until XX/XX/XXXX. So ... ... .. imagine my surprise today when I received an alert from XXXX XXXX , and then take that surprise time 's 100, and imagine my surprise when I logged into my account today, and it says I owe {$1400.00}!!!!! From what I can figure out, it is 2 payments for {$480.00} and 2 interest payments of {$240.00} ( XX/XX/XXXX agreement ). How can this even be? Even if you were showing I owed for XXXX, my account would only reflect {$480.00} due plus XXXX interest of {$240.00}. ALL other payments have either been deferred or made since I lost my job in XXXX, due to COVID.
I have worked VERY hard NOT to ruin my credit while being laid off due to COVID. This makes me extremely upset. To find out that Lending Club has virtually ruined this for me, makes me VERY angry. I have not received one iota of communication from Lending Club about any overdue amount. Not one phone call, voicemail, email or notice. I demand that you correct my account and that you file an amended report to the credit bureau agencies!
In the meantime, I will make my XXXX interest only payment, as agreed upon. I understand that your company has been affected by COVID-19 as well, but that does not mean you can exercise unfair credit practices. Which is exactly what you have done. Therefore, I will ABSOLUTELY be reporting you to the FEDERAL TRADE COMMISSION and the XXXX. If this happened to me, I suspect this has happened to other customers.
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11/23/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! 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 XXXX XXXX XXXX XXXX and XXXX. 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 Federal Trade Commission, 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. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. XXXX XXXX BANK XXXX Lending Club & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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11/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! 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 XXXX XXXX XXXX XXXX and XXXX. 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 XXXX and XXXX XXXX XXXX XXXX, 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 XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( XXXX ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of XXXX ( XXXX ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX LAW : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act XXXX XXXX ( XXXX XXXX XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. LENDING CLUB BANK & {$7300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act XXXX, Section XXXX ( XXXX ) Block of information resulting from identity theft. XXXX.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items XXXX Notice to Furnishers XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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05/11/2020 |
No |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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CFPB COMPLAINT : LENDING CLUB CORP ACCOUNT XXXX BALANCDE {$15000.00} REPORTED FTC REPORT NUMBER : XXXX XXXX XXXX XXXX PERPETRATED A SCAM TO DEFRAUD ME OF MONIES THAT WAS INTENTED TO BE DISPURSHED BETWEEN ( 7 ) CREDITORS UNDER A CONTRACTUAL DEBT CONSOLIDATION AGREEMENT. XXXX XXXX XXXX PROCESSED A DEBT CONSOLIDATION CONTRACT THAT WAS NOT VALIDATED BY THE CREDITORS THAT I WAS UNDER THE IMPRESSION THAT IT HAD PROMISED TO PAY ON MY BEHALF. I LATER FOUND OUT THAT XXXX XXXX XXXX IS UNDER INVESTIGATION AND PROMPTLY CEASED PAYMENT TO THE COMPANY. ON XX/XX/2020 CERTIFIED MAIL WAS SENT TO EACH OF THE ( 7 ) CREDITORS INFORMING THEM OF MY POSITION AND REQUESTED THAT THE OUTSTANDING BALANCES BE RE-NEGOIATED AND I FURTHER REQUESTED THAT A NEW PAYMENT PLAN BE CONSIDERED BASED UPON RECALCULATION AND MINUS OF MONIES ALREADY WHICH I AM SUING THE COMPANY FOR THE RETURN OF THE MONIES THAT WAS NEVER RELEASED TO THE CREDITORS. THE CREDITORS FAILED TO RESPOND TO MY OFFER AND INSTEAD CHOSE TOO REPORT THE ACCOUNTS IN DEROGATORHY CHARGE OFF POSITION.
( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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11/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! 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 XXXX XXXX XXXX XXXX and XXXX. 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 Federal Trade Commission, 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. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. LENDCLUBBK bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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12/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! 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 XXXX XXXX XXXX XXXX and XXXX. 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 Federal Trade Commission, 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. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. LENDING CLUB bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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01/04/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! 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 XXXX XXXX XXXX XXXX and XXXX. 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 Federal Trade Commission, 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. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. LENDING CLUB bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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05/21/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
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Web |
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If I only knew then what I know now ... credit debt was mounting, my Mom was laid off, my Grandmother needed help financially, and both still do. I chose to be a prosecutor. My pay scale was pretty low in comparison to others I'd graduated with. I qualified for the Federal Law that would pay off the remainder of my student loans. Only I didn't, the way it was set up, people like me will never see a dime. You'd had to have consolidated with a specific lender and made payments on time for 10 years. I'd made the payments and stated I'd be willing to transfer the loan over to the designated lender. Trick was, the 10 year clock started all over again, and at a higher interest rate. What a joke! I've been paying on time since XXXX. XXXX is the 1st time I was forced to ask for and be granted a forbearance. XXXX just sold my student loans to another institution and I'm not even sure who that institution is. My father took ill in XXXX and passed in XXXX. I was, and still am, taking care of 3 households. I took the loan in the hopes of improving my credit score and I was desperate. Just because you're an attorney doesn't mean that you are impervious to being a victim. I took out a personal loan with Lending Club. I have attached all of the documents. The interest rate is/was INSANE. Almost 30 %, but out of desperation I did it. There were emails from Lending Club on a regular basis telling me to re-apply for a new loan. This was under the guise that I would be able to essentially refinance the personal loan and obtain a lower interest rate. I tried several times at their prompting. I was denied each time and each time I re-applied, my credit score went down further because of the additional inquiries. They even told me it was because I was using the same email address as my current account. They told me to reapply using a different email address for the balance owed on the original loan. This way, I could pay it off, and continue making payments at a lower interest rate. That was on the phone and via chat on their website. I have attached what little I had left from Lending Club to this complaint. I contacted Lending Club directly and attempted to negotiate a new lower interest rate. The payments were over {$600.00} per month. They refused to even discuss it and shut me down immediately. I ended up going to XXXX, a debt settlement company, hoping to avoid bankruptcy. They told me they'd take care of everything, that in a few years everything will be much better. Stupidly, I signed with them. They began negotiations on my behalf. I had 2 accounts with XXXX XXXX, 1 with XXXX, 1 account with XXXX XXXX XXXX ( my 1st and oldest credit card ), and 2 accounts with XXXX. The XXXX accounts were not included along with my XXXX XXXX card. At the time, they did not have a balance. XXXX said they'd most likely negotiate all the cards 1st and get those taken care of relatively quickly since the balances and interest rates were lower. They also stated that the monthly payments go to an account and from there, negotiations would be made, the more money in the account, the faster things would be paid off. Instead, they negotiated the loan with Lending Club and my monthly payment was/is {$550.00} per month. I didn't realize at the time that the {$550.00} per month was going solely toward the Lending Club account. Had I known that, I'd have simply negotiated settlement offers with the credit card companies, paid them off with the {$550.00} per month, and been done with them. When I asked XXXX, they stated because the loan was for some much money with Lending Club, they would most likely sue me, and that is why they started with that one. I thought they were negotiating all the accounts and then we'd decide which to do 1st, 2nd etc. At {$550.00} per month, without negotiating a settlement, I could've paid off XXXX and 1 XXXX XXXX account in a few months in full. Now XXXX, XXXX XXXX, and XXXX XXXX XXXX have all been turned over to collections and charged off. XX/XX/XXXX I lost my job. There is litigation pending over the loss of my employment. When I contacted XXXX to apprise them of the situation, they stated that if I stopped making the payments, the agreement would be broken and Lending Club could, and most likely would, sue me. I continued paying in XXXX, XXXX, and XXXX. I am now stopping payments and canceling the automatic withdrawal. I continue to look for a new job and am trying not to lose my home. I am on the verge of filing for bankruptcy because of these predators. And the thing I was desperately trying to avoid, bankruptcy, now looks like my only option at this point. My credit is forever ruined and it used to be in the 700s. Now it's in the 500s ; even IF a refinance on my house were possible, my credit score is so low, no bank would be willing. I am also filing a complaint against XXXX here on this website. Both Lending Club and XXXX, I consider predators, who took advantage of me in my deep distress. They used my lack of knowledge in the financial fields and banking industry to their advantage. If I were still a prosecutor, and not personally involved, I'd indict them for fraud, extortion, and theft. I deliberately chose to be a prosecutor because it was my calling. I wanted to try to help people and maybe leave the world a little better than I found it. I did so for over 14 years. I hope and pray something can be done about my situation. But my biggest incentive for filing these complaints, is that they are not able to do the same thing they did to me, to others. Thank you for your time and attention. It is very much appreciated. Sincerely, XXXX XXXX
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12/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
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Web |
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I HAVE ALREADY FILED ONE COMPLAINT HOWEVER, NEW ISSUES HAVE COME UP. I HAVE TWO LOANS. I WANT TO STRONGLY FOCUS ON - EACH MONTH I CALL IN, THE REPS TELL ME, NEW OPTIONS WILL BE AVAILABLE, I JUST NEED TO WAIT UNTIL MY CURRENT HARDSHIP IS OVER AND THEY WOLL HAVE MORE OPTIONS FOR ME DURING THE PANDEMIC.
LOAN XXXX DUE DATE IS XX/XX/XXXX - I GET AN EMAIL XX/XX/XXXX STATING MY HARDSHIP PLAN ENDED AND A PAYMENT OF {$560.00} IS DUE IN XX/XX/XXXX!!! THEY GAVE ME NO NOTICE TO PREPAIR LOAN # XXXX PAYMENT DUE XXXX I GET AN EMAIL ON XX/XX/XXXX STATING MY HARDSHIP PLAN HAS ENDED AND I OWE A PAYMENT OF {$600.00} ON XX/XX/XXXX AGAIN NO TIME TO PREPAIR.
Their collections keep calling me and telling me, well no options yet, lending club has all their options in the computer and new options could be added any day- keep calling.
They call me 7 to ten times a days through collections calls!! Why call me when you will not work with me?!
I would like for the CFPB to look into Unfair, Abusive, Deceptive Acts and Practices ( UDAAP ) regarding the COVID and default assistance options offered and lack thereof and Predoatory Lending for my second loan. I became impacted by COVID XX/XX/XXXX. I was let go from my job and it took 5 months to get unemployment. At that point, I was struggling with rent and car payments as those are priority to provide for my family. I then contracted the XXXX tin XXXX and was in the hospital, on XXXX XXXX at one point. I finally made it and made it home in XX/XX/XXXX. On XX/XX/XXXX, while I was in the hospital, my husband XXXX from COVID. On XX/XX/XXXX, my XXXX then XXXX from the XXXX. My only source of income is unemployment that is about to end. I have many issues now that I am in a position to understand my accounts and what is going on. First though I GET A CALL TODAY XX/XX/XXXX ( FOUR DAYS UNTIL XXXX ) AND THEIR RESP TELL ME THERE IS NO COVID OR REGULAR HARDSHIPS OPTIONS AVAIABLE FOR ME NOW! ARE THEY NOT AWARE THE PANDIMIC IS AT ITS WORST RIGHT NOW? THERE ARE HARDLY ANY JOBS AND I JUST LOST HALF MY FAMLY! IT IS JUST ME AND MY SON! THEY THEN PROCEEDED TO TELL ME, WELL IF YOU DONT PAY, YOUR CREDIT WILL BE RUNIED AND YOUR ACCOUNT WILL GO INTO COLLECTIONS! LENDING CLUB NEEDS TO OFFER ME SOMETHING! BY THE GRACE OF XXXX, I HAVE BEEN ABLE TO SELL THNGS TO MAKE MY INTEREST ONLY PAYMENTS OF {$600.00} BETWEEN TWO ACCOUNTS FOR THE PAST FOUR MONTHS! I have remained in contact with Lending club, as I could each month. I have taken advantage of a few COVID options offered through Lending Cub ; One being Skip-a-Pay and the other interest only payment. The CFPB needs to be aware and investigate I as well as others did not fully understand the full downstream impacts of accepting said offer. During each call, I was always told something different therefore, the associated disclosures were inadequate. In addition, Lending Club does not currently proactively communicate with customers in order to apprise these consumers of their opportunity for self-remediation ; I have to call and battle for assistance. In addition, Lending Club does not have an established programmatic process to adequately handle customer inquiries, concerns, and/or provide workout options. How can you stop offering assistance for accounts holders who are doing their best to make ends meet in the height of a pandemic?! Furthermore, regarding the assistance options offered. My loans balances have went up over {$4000.00} each!!! I know I skip two payments for XXXX and XX/XX/XXXX and those would be added, plus interest for those months, but nothing to these amounts should ever been added!!! It was only until I entered the interest only payment options ( I was in the hospital at the time ) did they tell me the amount that would be added to the end of my loan I had no choice but to accept the interest only option as it was that or go into default. When I asked, if I am paying the interest each month why is my balance increasing over {$1000.00}? They HAD NO EXPLAINATION AND JUST SAID, WELL THATS HOW IT WORKS. Regarding the predatory lending- they gave me two loans with over {$1200.00} in monthly payments at high rates! Loan # XXXX current balance is {$11000.00} Monthly payment {$560.00} Loan # XXXX current balance is {$15000.00} monthly payment {$600.00} Lending club needs to come to a SETTELELNT AGREEMNT WITH ME BEFORE MY CREDIT IS RUNIED and provide me with a payment amount I can afford and that is reasonable with the pandemic. It is days before XXXX, and they are telling me they have nothing to help me! Their position is, well, the account will just go into default, we will ruin your credit and make you suffer more than you already are! I need my credit! Its just me now! This company needs to be made to have options for assistance until this pandemic is over!! I have clearly tried my best ti keep up on this account! They also need to adjust my balances back to where they were pre-COVID aside from the two months where I skipped payments, because I know I owe those amounts and understood what was disclosed. There have been several litigations cases against lenders for their lack of proper disclosure to consumer when entering into a Skip a Pay or other assistance option! Also- Better train their Reps! They keep telling me, we only know what the computer tells us We dont have any options for what the Computer tells us. I asked to speak to a manager 15 times and they said there is now way to do that!
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02/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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BILLING ERROR NOTICE Lending Club reinsertion previously deleted FRAUDULENT Inaccurate/invalidated account to the consumer reporting agencies.
1. This is an attempt to validate a debt, against Lending Club under the Federal Debt Collection Practices Act ( hereinafter FDC PA ). I am exercising my legal right to validate a debt that this agency claim is owed. 2. This response is not a refusal to pay, this is my conditional acceptance pursuant to conditions being met as required by the Fair Debt Collection Practices Act ( hereinafter FDCPA ), 15 USC 1692g sec. 809 ( b ), and other applicable laws. I accept this claim, contingent upon the debt collection ( s ) providing verifications and validation as follow : Please provide proof of claim with evidence that you have legal and lawful authority to collect? Lending Club is attempting to collect a debt on the basis of fraud. Lending Club have no legally and lawfully rights to collect. Misrepresentation of a material fact, no loan or considerate was given for {$35000.00}. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within thirty-day described in subsection ( a ) that the debt, or any portion, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, until the debt collector obtains verification. VIOLATIONS of the Federal Debt Collection Practices Act ( FDC PA ), Truth in Lending Act ( TILA ), Privacy act, Identity theft and Fraud.1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. XXXX challenging this account with XXXX, XXXX and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I will also file a complaint with the Attorney General. I will further pursue all of my legal remedy without further notice to Lending Club, XXXX, XXXX and XXXX. Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S.C. 1692g ( b ). Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S.C. 1692g ( b ).
I have attempted to resolve this matter formally before filing a complaint and lawsuit!
Please provide three things : 1. Validation of the debt ( the actual accounting ), and 2. Verification of claim against me ( a sworn affidavit or signed invoice! ), and 3. A copy of the contract binding both parties.
I would be happy to pay any financial obligation I might lawfully owe as soon as these three documents are received. Im challenging this account with XXXX XXXX XXXX XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate th
e claim, Delete Lending Club account from consumer reporting agencies immediately. Reporting Late payment and Utilization is illegal. Civil liability for willful noncompliance of Deletion, VIOLATIONS, DELETIONS TO CONSUMER REPORT. 15 u.s.c. 1681a and 15 USC 1681. ( 1 ) In
general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for, ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Delete account from consumer report immediately.
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08/26/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
Older American |
LendingClub loan # XXXX ORIGINAL COMPLAINT : YOUR COMPLAINT On two occasions Lending Club received from me a payment for {$460.00} instead of the correct amount of {$460.00}. They rated these payments as LATE and assessed a {$15.00} ( XXXX XXXX ) Late Fee for two cents. I think this is a total outrage and if it is not unlawful I can not see why it is not. On XX/XX/XXXX Lending Club received my check payment of {$460.00} and called me to say it was LATE because I did not include the LATE FEE charged for TWO CENT ERROR. I enclosed a letter a copy of which follows : I am old and copy last payment. This is how it happened twice. Please do NOT consider my account late due to this. You are truly AWFUL to deal with and I have been a very good customer for quite a long time. I am today mailing {$460.00} by first class mail. In time past you never sent an email with actual payment due and it was somewhat difficult to look up. You have corrected this but only to PUNISH your customers. You are AWFUL. IMPROVE. Here is the history which includes the pair of incorrect payments and the fees : ID Date Description Status Amount Hope you 're doing well. We all have a lot going on, so we wanted to remind you that onXX/XX/XXXX your payment of {$480.00} is due. If you have already contacted us or sent in your monthly payment, you 're all set! XXXX XX/XX/XXXX Check Received Posted {$460.00} XXXX XX/XX/XXXX Check Received Posted {$460.00} XXXX XX/XX/XXXX Check Received Posted {$15.00} XXXX XX/XX/XXXX Check Received Posted {$460.00} Balance Overview Loan Status Late ( 16-30 days In a partial but incomplete attempted resolution XX/XX/XXXX Lending Club issued the following statements and insufficient refund and no correction of other issues such as Late Status which may have been reported to Credit Agencies, thirty dollars in additional fees, and seven dollars processing fees an unknown number of times which is not provided for in the Loan Agreement Support ( Lending Club ) XX/XX/XXXX, XXXX PDT Hi XXXX, Thanks for being a part of LendingClub. We 've received your check in the amount of {$460.00} for your monthly payment. However, the check amount is not enough to bring your account current. Please note, there is a balance of {$15.00} + {$7.00} processing fee.
As a friendly reminder, please be sure to submit your check for {$470.00} ( {$460.00} monthly payment + {$7.00} processing fee ) before the XXXX of each month to avoid a late payment fee. Also, be sure to include your name and LendingClub loan # XXXX on your check. Please make the check payable to LendingClub Corporation.
Payments by check may be mailed to : OPTION 1 Standard Mail LendingClub Corporation Dept # XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX OPTION 2 Overnight Delivery or UPS Only LendingClub Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Its important to understand that LendingClub reports all account experiencespositive and negativeto one or more of the credit reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected in your credit report, as will a record of on-time payments.
Please let us know if you have any questions or concerns. You can reach us by email at XXXXXXXXlendingclub.com or by phone at XXXX. Our business hours are Monday through Friday from XXXX XXXX to XXXX XXXX, and Saturday from XXXX XXXX to XXXX XXXX Pacific Time.
Regards, LendingClub XXXX XXXX XXXXXXXXXXXX is receiving this message because we are notifying you of a transaction that has occurred in an account registered at Lending Club and associated with this e-mail. This transactional message is being sent in accordance with Lending Club 's Terms of Use. You can not opt-out of receiving transactional emails as they provide important information about your account. Please view the " Communications from Our Site '' section of our Privacy Policy if you have any questions. Eligible servicemembers may be entitled to additional benefits and protections. More information is at Lending Clubs SCRA benefits page here.
All loans made by XXXX, Member FDIC. Borrower must be a US citizen or permanent resident and at least 18 years old. Valid bank account and Social Security number are required.
All loans are subject to credit approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage, and credit history.
Company 's Response - Expense late fee assessed and {$0.00} discrepancy for both XX/XX/XXXX and XX/XX/XXXX payments - Conducted complaint investigation - Please see attached response for further details MONETARY RELIEF AMOUNT {$15.00} Attachments XXXX CFPB Response.pdf XXXX Transaction Receipt.pdf The PDF files referenced here may be found in my files at CFPB for transaction number XXXX which was closed with numerous issues here described remaining.
Relief requested is for Lending Club to : 1 ) Refund any thus far retained or further " Late Fees '' for two cent short payments 2 ) Refund any thus far retained or further " Processing Fees '' 3 ) Remove any references to " Late Payment '' for two cent variances in payments made 4 ) Cease and Desist from actions harmful to me and to other Senior Citizens 5 ) Refrain from being an uncivilized corporate citizen of the United States
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08/19/2017 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
Older American |
COMPLAINT AGAINST XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : VIOLATIONS OF THE FDCPA TO WHOM IT MAY CONCERN I HAVE RECEIVED 2 CALLES PREVIOUSLY FROM AN UNAVAILABLE PHONE # AND I ASKED WHO THIS WAS AND THEY STATED IT WAS XXXX XXXX XXXX BOTH TIMES. I HUNG UP ON THEM BECAUSE I DID NOT KNOW WHO THEY WERE AND I THOUGHT IT WAS A TELEMARKETER. THEN AFTER THE CALLS I RECIEVED A LETTER FROM THEM STAING THAT THEY WOULD GIVE ME A HARDSHIP ARRANGEMENT FOR A PAST DUE BALANCE. HOWEVER I COULD NOT CONTACT THEM BECAUSE I HAD MAJOR XXXX AND WAS RECOVERING FROM THAT AND ALSO WAS XXXX XXXX XXXX XXXX WHILE WALKING TO A PARK. ON THURSDAY XX/XX/XXXXAT XXXX XXXX I RECEIVED A CALL FROM AN UNAVAILABLE PHONE # AND THE PERSON STATED HE WAS CALLING FROM XXXX XXXX AND HIS NAME WAS XXXX. I THEN STATED I RECEIVED YOUR LETTER BUT BEFORE I COULD TELL HIM WHAT HAVE HAPPEN TO ME STATED THAT NEVER MADE PAYMENTS AND SAID WILL THAT BE A CREDIT OR DEBIT CARD. I THE ASKED HIM IS XXXX YOUR REAL NAME OR IS IT AN ALIAS. THEN STATED I USE AN ALIAS TO PROTECT ME FROM CREDITORS. ( CONSUMERS ) BECAUSE OF MY 20+ YEARS WITH KNOWLEDGE OF THE FDPCA I ASKED HIM YOU ARE SUPPOSE TO IDENTIFY YOUR FULL NAME, VERIFY THAT YOU ARE SPEAKING WITH THE RIGHT PERSON AND STATED TO HIM THAT COULD BE MY SON WHO HAS THE SAME NAME, AND VERIFY MY ADDRESS, DATE OF BIRTH, THE LAST 4 DIGITS OF MY SSN ''. ALSO HE FAILED TO DISCLOSE THE MINI MIRANDA. I STATED THAT THIS IS ON THE LETTER THAT WAS SENT TO ME AND STATED IT TO HIM 'THIS IS AN ATTEMPT TO COLLECT A DEBT FROM A DEBT COLLECTOR AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. I ALSO STATED TO HIM IS THIS CALL BEING RECORDED AND XXXX XXXX STATED YES. THEN I ADVISED HIM YOU HAVE TO DISCLOSE IF YOU ARE RECORDING THIS CALL. I THEN STATED YOU ARE VIOLATING THE FDCPA. I STATED YOU HAVE TO BE IN COMPLIANCE AT ALL TIMES. THEN HE STATED WILL THAT BE A DEBIT OR CREDIT CARD. I ASKED TO SPEAK WITH HIS MANAGER OR SUPERVISOR AND HE REFUSED 2XX. HE THEN STATED " DO YOU PAY YOUR BILLS '' AND STATED TO HIM YOU CAN NOT STATE THAT TO ME AND TOLD HIM THATS AGAINST THE FDCPA AND HE ASKED IF I HAD AN ATTORNEY AND I STATED I DO. I THEN ADVISED HIM TO REMOVE ALL MY PHONE # AND NOT COMMUNICATE WITH ME AGAIN. THEN I TERMINATED THE CALL. I WAS VERY UPSET AND STRESSED OUT BECAUSE OF WHAT I WAS GOING THROUGH AND TO HAVE SOMEONE WORKING FOR A COMPANY TO MAKE MY SITUATION WORSE AND TALK TO CONSUMERS LIKE THAT. I THEN CALLED BACK FROM THE PHONE # ON THE LETTER XXXX AND XXXX AND ASK TO SPEAK WITH A MANAGER IN THE COLLECTION DEPARTMENT. HE THE STATED HIS NAME WAS " XXXX '' AND HE VERIFIED ALL MY INFORMATION BEFORE I TALKED TO HIM. I THEN REPEATED EVERYTHING THAT YOUR EMPLOYEE XXXX SAID AND WAS NOT IN COMPLIANCE. XXXX XXXX THEN STATED TO ME THAT I WAS DEFINITELY CORRECT AND APPOLGIZE AND WOULD DOCUMENT WHAT HE STATED. I THEN ASKED IF XXXX XXXX DOCUMENTED MY CALL ANS HE STATED NO HE DID NOT. I THEN ASKED TO BE TO THE MANAGER OF THAT DEPARTMENT. HE STATED HE WOULD TRANSFER ME TO XXXX. HE ASLO STATED THAT HE WOULD BRING THIS UP TO HIS SUPERVISOR. HOWEVER INSTEAD OF THE MANAGER I GOT A PERSON NAMED XXXX XXXX AND ASKED SHE WAS THE MANAGER AND SHE STATED NO. THEN I WAS SHOCKED AND UPSET FOR THE SECOND TIME. I ASKED FOR HER NAME AND SHE SAID IT WAS XXXX XXXX SHE ASKED MY NAME AND SHE BRANG UP MY ACCOUNT AND SAID YOUR ACCOUNT IS PAST DUE. I THEN STATED DID N'T YOU READ THE NOTES AND I ALSO STATED THAT EACH TIME I AM TRANSFERED TO A DIFFERENT PERSON YOU HAVE TO VERIFY WHO I AM AND BE IN COMPLIANCE AND DISCLOSE THE MINI MIRANDA. I THEN ADVISED HER TO TRANSFER ME TO THE MANAGER NAMED XXXX. I THEN SPOKE TO XXXX XXXX AN AGAIN WAS SHOCK AND UPSAT. I TRIED TO TELL HIM TO BRING UP MY ACCOUNT AND I GAVE HIM MY NAME AND HE HAD MY ACCOUNT UP AND ASK WHAT DO I WANT. I ASKED HIM TO PROCEED KNOWING HE HAD MY ACCOUNT AND MY NAME I ADVISED I AM MAKING A COMPLAINT ABOUT YOUR COMPANY AND YOUR EMPLOYEES AS WELL AS YOUR SELF FOR VIOLATION OF THE FDCPA. I STATED TO HIM THAT THEY FAILED TO VERIFY MY INFORMATION AND BE IN COMPLIANCE. HE THEN STATED THAT IN THE STATED OF OHIO WE HAVE TO DO THAT IF YOU CALLED IN AND WE DO NOT HAVE TO IF WE CALLED OUT. I WAS IN SHOCK AND ADVISED HIM THAT HE VIOLATED THE FDCPA AGAIN AND I WILL BE FILING A COMPLAINT WITH THE ATTORNEY GENERALS OFFICE AND THE CFPB AND NOT TO CALL ME ANYMORE AND CONSIDER THIS ACCOUNT PAID IN FULL AND THEN I TERMINATED THE CALL. I THEN CONTACTED THE COMPANY THEY REPRESENT LENDING CLUB XXXX AND SPOKE TO XXXX AND GAVE HER ALL THE INFORMATION THAT OCCURED WITH XXXX XXXX XXXX AND ASKED ME IF WE HAVE PERMISSION TO HAVE ONE OF OUR MANAGERS TO CALL BACK AND I STATED YES BUT I STATED TO HER I WAS STILL FILING ALL THE COMPLAINTS. SHE THEN STATED THAT THEY HAVE TO BE IN COMPLAINCE AND WILL GIVE THIS INFORMATION TO A COMPLIANCE MANAGER. I WILL BE PURSUING THE FOLLOWING 5 COMPLAINTS AGAINST 4 DIFFERENT DEPARTMENTS AND 6 COMPLAINTS AGAINT XXXX XXXX 1. CALLING FROM AN UNAVAILABLE PHONE NUMBER ON MY CELL PHONE. 2. NOT GETTING PERMISSION TO CALL ME ON MY CELL PHONE.
3. NOT VERIFING THE CORRECT PERSON 4. NOT ADVISING ME THAT THE CALL IS BEING RECORDED 5. NOT DISCLOSING THE MINI MIRANDA 6. HARRASMENT FOR THE STATEMENT MADE " DO N'T YOU PAY YOUR BILLS ''
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12/06/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Complaint against : Lending Club XXXXXX/XX/XXXX XXXX Here is a copy of email sent on XXXX and resent again today that I believe will better explain my complaint. Its impossible to get any response from the company, maybe you can help?
Loan # XXXX To whom it may concern, Good day, back on XXXX XXXX I established a forbearance plan for XXXX and XX/XX/2020 but that forbearance never went in affect resulting in misinformation being conveyed to me which resulted in 90day lates on credit report.
After making two payments on XX/XX/XXXX to catch up my account for XXXX and previous month I was transferred to forbearance plan Dept so I could apply for forbearance for the months of XXXX and XXXX. My monthly cutoff is the XXXX each month, I have until XX/XX/XXXX to avoid lates on XXXX bill.
The notes on my account will reflect : XX/XX/XXXX ( I call in to make two payment and set up forbearance for XXXX and XXXX as the last day for XXXX payment to be considered late is XX/XX/XXXX.
XX/XX/XXXX - One of two payments didnt clear so I call in to make sure second payment of $ 300+ Is applied to my account before XXXX cutoff in order to quality for forbearance and make sure its active for XXXX. I confirm payment is cleared and ask representative to check my forbearance status, she assures me I will be ok.
XXXX XXXX lending club debt collection calls me. I explain for 30min that Im suppose to be on forbearance plan, after rep looks around he informs me my forbearance plan is at back office but I request to talk to supervisor to confirm our arrangement but agent explains it can take 2 weeks to be applied and not to worry but he will tell supervisor to call me. No call received.
XXXX XX/XX/XXXXish- Same exact debt collection agent called me back on automated call unexpectedly. I explain to rep he had spoke with me 10 days ago and no supervisor ever called me back. He was very understanding and disappointed as well that no one called me back. The rep now said he escalated my situation to supervisor for call back for second time but no one called me back on this second attempt.
Every 10-14 days Im receiving debt collection calls each with new reps stating forbearance is never in affect but after 30min of me explaining the situation to them as they look up my previous call log and notes the reps are stating my forbearance plan is at back office and my situation is escalated to supervisor but once again No call back from supervisor is ever received.
Again more debt collection calls and me calling in to the company each time I spend 30min with them to read over notes from XXXX XXXX XX/XX/XXXX ish, and so on. Some reps report this is a mistake and lending club will make any necessary correction to fix mis-reporting to my credit report for 30-60-90 days for XXXX XXXX XXXX since forbearance was established XX/XX/XXXX but never in affect.
I recently paid off Loan # XXXX which is my second loan with company and Im respectfully asking you review my case and the notes from XX/XX/XXXX XX/XX/XXXX and so on to see if I would be eligible to have corrections to my XXXX reporting since forbearance was established but not in affect. I appreciate your time in reviewing this matter and Im only asking for accurate reporting. To recap ; XXXX XXXX make two payments, and set up forbearance with company XXXX XXXX I recheck all payments cleared and forbearance would be in affect. Customer service woman confirms payments have cleared and forbearance would be in affect.
XXXX XXXX was first notified forbearance not in affect, but informed could take two weeks to be active and is currently at the back office. I still ask for a supervisor call back. No call back received XXXX XXXXthish Received call, again notified forbearance not in affect from same person, he remembers our conversation from last week and confirms no supervisor called me back and now sends compliant up to escalations again for a call from a supervisor, NO CALL RECEIVED.
Each 10days Im receiving calls or calling in to check status and being told conflicting information but each time the company tries to assure me everything is ok and the forbearance team will make any necessary changes to correct my report.
On one of my last calls they ask to make small payment to delay payment but forbearance was never in affect and because of this misinformation I have sustained 90 day lates on my report.
Shortly after I pay off loan, this is my second paid off loan with the company and was hoping for resolution but I sent multiple emails and my account is notated with each conversation that I believe is easy to indicate there was a lack of communication and wrong information being sent to me. I understand with big companies sometimes these things can happen but If I had not been informed to not worry, its at back office, it can take up to two weeks to be active I could of made the necessary arrangements to avoid 30-60-90 day late payments which are severely affecting my credit rating and opportunity for a good job. Im a good person in a bad situation and hoping you can help me. Thank you for your time and consideration.
XXXX XXXX XXXX XXXX XXXX XXXX Loan # XXXX
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03/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
I have encountered an issue with the payoff of a loan I have with Lending Club. This loan was paid in full in XX/XX/XXXX, however, the lender has inaccurately reported the payoff as alternately 30 days late ( with XXXX ) or the status of the account as " Not More than 2 Payments Past Due '' ( with XXXX ). This is not accurate, and has resulted in a severe impact to my credit score, and I wish to have this inaccurate reporting removed, and my status changed to accurately reflect " Paid as Agreed/Never Late. '' I wish to state that Lending Club has been easy to work with, and provided the financing I needed when I needed it. This issue appears to be a mistake, and I am sure the company will fix the issue as soon as possible.
A little background : this is the second loan I have taken through Lending Club. The first loan was taken out in XX/XX/XXXX in the amount of {$21000.00}, and was paid in full in XX/XX/XXXX. This payoff process was simple and straight forward - I was told to call the Lending Club Customer Service Department, request a payoff amount, and submit the payoff for that amount. In the case of the first loan, I requested that the customer service representative debit my checking account for the full amount, and the process was completed seamlessly. Throughout the life of this loan, Lending Club accurately reported the amounts, timely payment status, and payoff date to the various Credit Reporting Agencies.
In XX/XX/XXXX, I requested a second loan from Lending Club in the amount of {$32000.00}. I made my payments on time every month. Throughout the life of this loan, Lending Club accurately reported the amounts and timely payment status of my loan to the various Credit Reporting Agencies. OnXX/XX/XXXX, I took steps to payoff this loan. As before, I called the Customer Service Department, but was greeted with a 1+ hour hold time. On XX/XX/XXXX, and XX/XX/XXXX, I encountered the same issue. Knowing my payment was coming due, I held for over three hours, combined. On XX/XX/XXXX I was finally able to get a hold of a representative and asked for the payoff amount, and that the payment be processed. The payment was processed on XX/XX/XXXX and posted to the account XX/XX/XXXX, satisfying the loan. Lending Club 's Account Activity Payment History tab on the Lending Club site reflects the payment in the amount of {$7200.00} ( with {$7100.00} for Principal and {$110.00} for Interest ) as being Posted on XX/XX/XXXX, and the status as " Completed - on time. '' On XX/XX/XXXX, however, I was shocked to see that Lending Club had reported the status of my loan as " delinquent '' to two separate Credit Reporting Agencies. To XXXX, Lending Club had inaccurately reported the XXXX payment as 30 days past due ( which is impossible if the payment is due XX/XX/XXXX ). This resulted in a XXXX drop in my credit score per XXXX. To XXXX, Lending Club inaccurately reported the status of my loan as both " NOT_MORE_THAN_TWO_PAYMENTS_PAST_DUE, '' which resulted in a XXXX drop in my credit score per XXXX. However, Lending Club ACCURATELY reported all payments as on-time/as agreed in the Payment History record with XXXX - including the XX/XX/XXXX payment.
To further complicate issues, I logged into the Lending Club website in an attempt to determine why it had so reported my account and was shocked by the situation I found. The " Payment History '' section of my account was riddled with inaccuracies. To begin with, the " Account Activity '' section shows all payments as posting on time. However, the " Payment History '' section reflects multiple errors, including showing some payments made three times, but others late or not received. It is troublesome that not only is Lending Club 's internal payment tracking system in disagreement with the Credit Reporting Agency report ( which reflects alternately either all payments made on time, or one payment late, which, as discussed above, is inaccurate ), their payment tracking system disagrees with itself. The only payment reported as late to a CRA ( XXXX ) is showing as on time in Lending Club 's " Account Activity, '' Lending Club 's " Payment History, '' and with XXXX.
These sorts of inconsistencies appear to have resulted in inaccurate reporting on a loan I paid on time, as agreed, and never late, and I have several questions I would like to see answered : to begin with, if, per XXXX XXXX reporting, I paid all payments on-time/as agreed, as noted in the Payment History section, how can the loan carry a status of " XXXX? '' If Lending Club 's own system does not agree with another, how can the company expect to accurately report credit activity?
If the XXXX payment was not due until XX/XX/XXXX, and is showing as " Completed-on time '' by Lending Club, as well as by XXXX, how can it be 30 days past due ( as shown on XXXX ) when the XXXX mark has not even been passed ( XX/XX/XXXX would be the XXXX past due date, which has not passed as of the XX/XX/XXXX date this past-due was reported to the CRAs )?
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04/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1995 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ATTENTION DISPUTE DEPARTMENT XXXX/LNDCLB XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform that if offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by theses companies, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.
Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.
I look forward to an expedite resolution of this matter Thank you.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when it fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1995 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
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04/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am hereby disputing this debt in entirety, due to continuous inaccurate reporting to the 3 reporting agencies. Note, this is not an acknowledgment of liability for this debt in any way or form. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt.
Please provide validation of the debt by providing all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes your company to collect on this debt, if applicable Statement ( s ) from the original debt, itemization of monies owed and final balance.
Copy of bill showing default date, last payment date, charge off and history of payments.
Proof that the debt is valid and collectible and within the statute of limitations Proof that you are licensed to collect in my state of residence Agreement between your company ( if applicable ) and the original creditor that authorizes you to collect on this debt Since I've given you multiple attempts and youre unable to validate the account or any of the information such as balance, past due, date updated, then you are to remove the account completely from my credit reports.
Other reason for CFPB Complaint : Continuous changing of account balance, past due, date updated and other erroneous information on an aging CLOSED CHARGED OFF account. Please see below.
This account is CLOSED/Charged Off. The account balance, past due is inaccurate and keeps changing, randomly.
This account has been CLOSED/Charged Off since XX/XX/XXXX. Yet, In the last four months alone ( between XX/XX/XXXX and XXXX XXXX ), on five different dates, the balance/past due on this account changed without any reason or proof whatsoever, first it decreased on XX/XX/XXXX by {$1.00}, in addition to that, a notation was added on the account noting the account as late in XX/XX/XXXX, effectively trying to influence the Account Status as open, causing a significant drop in my credit score.
After I filed a dispute to XXXX by phone, on XX/XX/XXXX, Lending Club reported new information and a balance decrease of {$800.00}. Then subsequently after the dispute was complete, the balance was reported again by Lending Club, inadvertently, with an increase of {$800.00} on XX/XX/XXXX.
After I filed a second dispute with XXXX by Certified Mail explicitly asking for debt validation, the balance reported and past due by Lending club decreased again by {$800.00} on XX/XX/XXXX without any details of debt validation. Then I got another credit alert, that Lending Club has reported another increase of {$800.00} on balance and past due on XX/XX/XXXX. Throughout this period of inaccurate reporting, my credit score keeps taking a hit.
Let me repeat, that this account is CLOSED. I have not communicated with Lending Club in any way since they Closed/Charged off this account inadvertently in XX/XX/XXXX, except through the credit agencies to dispute the account in its entirety. This is a fraudulent attempt by Lending Club to suppress the credit score on an aging account.
Please also note that this account is due to drop off the credit file completely in XXXX.
I am now requesting that this item be completely deleted ( expunged ) from my credit report, especially considering the age of this file and the significant inaccuracies that can not be confirmed/validated. I ask that, after the item is completely expunged, a corrected credit profile is supplied to ALL 3 credit agencies and other creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
History of Action Recently Taken on Lending Club with 3 Credit Agencies After {$1.00} decrease, on XX/XX/XXXX, filed dispute with XXXX on Lending Club.
On XX/XX/XXXX, XXXX finished investigation, balance/past due further decreased by {$800.00} ( see attached file ) On XX/XX/XXXX, after observing new file additions, erroneous insertions and a {$800.00} balance/past due increase, sent a certified letter to XXXX, XXXX and XXXX to dispute entire debt, asking for a form of debt validation/verification from Lending Club.
XXXX received the letter on XX/XX/XXXX XXXX XX/XX/XXXX, XXXX responded with results, balance decreased by {$800.00} and a number of fields were modified, yet there was no further data on debt verification/validation ( see attached file ) XXXX received the letter on XX/XX/XXXX.
On XX/XX/XXXX, XXXX responded with results, a number of fields were modified, yet no debt validation information ( see attached file ) XXXX received the letter on XX/XX/XXXX.
XXXX did not post a letter with results nor did they do a debt validation
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11/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.
( c ) Authority to decline or rescind.
( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
( d ) Exception for resellers.
( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.
( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.
( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale.
( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.
( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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02/08/2021 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
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XX/XX/XXXX : regular payment due XXXX XX/XX/XXXX ( still within my 15 day grace period of XX/XX/XXXX ) : contacted Lending Club to advise of husband not working and issues with making payment. After asking me several questions, the lady advised me that I would qualify for their hardship plan. I would not have to make the XXXX payment but I would be due XX/XX/XXXX for a half payment and XX/XX/XXXX for a half payment.
XX/XX/XXXX : I made the XX/XX/XXXX hardship plan payment of {$260.00}. I made the payment with my debit card and it cleared posted to my bank account on XX/XX/XXXX. However, on my Lending Club account screen, it showed that payment reversed ( see attached payment sheet ).
XX/XX/XXXX : I made the XX/XX/XXXX hardship payment plan of {$260.00}. I made the payment with my debit card and it is pending with my bank. However, it shows posting on my Lending Club account XX/XX/XXXX.
XX/XX/XXXX : I received an email from Lending Club ( see attached email ) stating that my payment plan had been broken, that my loan payments would return to the regular amount of {$530.00}, and that my next payment of {$530.00} would be due on XX/XX/XXXX. I received additional emails from Lending Club on this date as well ( very close in time to each other ) stating that my regular payment would now be due and that my regular payment is coming due. None of these emails discuss me being past due nor there being negative reports to my credit bureaus because of being kicked out of my hardship plan ( see attached emails ) XX/XX/XXXX : I contacted Lending Club because I was confused about the email because I thought the hardship plan ended with the XX/XX/XXXX reduced payment and my regular payments were set to start back in XXXX already. The first lady that answered the phone was unable to determine the issue and could not tell me why my payment history showed my XXXX payment as reversed. I was transferred to a second lady that was able to somewhat explain to me what happened but could not adequately explain to me why my XXXX payment had been reversed. As we get into the discussion about my hardship plan, she starts advising me that, while I have made those two hardship payment plans, I was one day off on the payment that was due for XXXX XXXX the second hardship payment plan XXXX. According to her, the XXXX day of my grace period would have been the XXXX and I calculated the XXXX day being the XXXX. If we use their calculations, they are counting the due date as a day in the grace period. I want to also point out that the customer service representative stated that if I had paid my payments by check that even if I made my payment on the XXXX day of my grace period that it would not show as posted until they received confirmation from the bank that the money went through. This is not on any of their communications or website that paying with a check costs you extra days. Further, she advised me that because I was one day late on my second hardship payment plan that the following would now happen : 1. My plan would be canceled 2. I now owed {$1800.00} dollars by XX/XX/XXXX XXXX. They were going to reverse my account and make it show that I was now due from XX/XX/XXXX and it would report 70+ days late on my credit report.
The email I attached to this complaint does not state that. It simply states my plan is revoked and I am now due for full payments starting XX/XX/XXXX. It does not state that I am now going to be showing delinquent on my credit report nor that I will have to pay {$1800.00} plus dollars by XX/XX/XXXX to show current.
I am so confused with all of the various information I am being provided. I asked if there was anything she could do to help and she said she MIGHT be able to turn in a ticket and get me some help but she doubted that would be possible. I can not get a straight story from anyone about what is going to happen to my credit. Further, I was not advised when I set up this plan that if I defaulted on the plan terms that my account would be reversed back to XX/XX/XXXX and I could have it reported to my credit that I would be so many days behind. I have tried to really work with my creditors during this time because my husband has been out of work and I have a 100 % payment history on my credit report. I feel they are being deceptive by not advising me of that information up front and not giving me a consistent answer now that they are threatening me to show so delinquent on my credit report. And, AGAIN, why is my XXXX payment showing reversed on my payment history? It certainly was not reversed at my bank and I have verification where the payment cleared my bank and was never credited back.
PLEASE HELP ME
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08/05/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with cash advance
|
|
Web |
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To Fedral Trade commission I XXXX XXXX and XXXX XXXX, were cheated, Lied to, and misslead by Lending Club and its Employees, so we Took a loan in the past from lending club For my wife 's XXXX XXXX Thro her Dentist. Her dentist applied directly through lending Club we did n't know lending club Before the Dential Loan, so we got approved for her XXXX we payed of off very quick, So we got an email to from club for a new loan as an invitation we decide to take another loan with lending club not knowing they charge {$1200.00} from The top even as soon as I would off found out I would off reversed the Loan right away but when I called in the day they deposited the money we were on vacation in XXXX XXXX so I picked up the phone called lending club A lady representative answered The call I do n't Remember her name and every time I asked for name they would n't give me her name basically I asked her why did lending club only deposit {$18000.00} not XXXXshe explained to me that as we pay are paying for The loan that {$1200.00} gets accumulated back in my account as we pay. If she had mentioned to me that money is none refundable I would have canceled the loan and reversed it the same day they deposited she told me it 's a simple interest loan I could pay or any time she told me that, so wht happened after this is i Signed in my account 2 weeks after there is an option that tell payoff amount so I touched that bottom it kept telling me ( payoff today {$20000.00} So I called to ask how that money accumulates in my account as am paying I was told that it does not and {$1200.00} does not get refunded and at this point they ca n't reverse the Loan at this point it 's too late to reverse have to pay it in full but I explained to the manager XXXX that I spoke to the representative and what I was told he told me he would listen to the ( phone call ) and call me back he never called me call or followed up with me on anything, I called back 3 days later spoke to XXXX he told me that the notes say that XXXX listened to the call and the representative never told anything about that money accumulation in my account at end of loan and I replied absolutely not her did I would like to listen to that conversation XXXX said absolutely sir you have the right he assured that they would have XXXX or some else call me back and try to resolve this issue I never got a call back i Called today which is 2weeks later XX/XX/XXXX 14 days after I spoke to XXXX today I spoke to XXXX he told XXXX is not in put he gon na find a different manager help me he put on hold back and forth for 15 minutes to get me a supervisor Hang Up Phone Never Got me A Manager they never even called me back I called back XXXX answered the call this time she put on hold to get a manger And magical XXXX the manager appeared as I soon as he said hello this is XXXX I said I thought you were not in he said no I was not in my office i said XXXX said you were not in I said you were supposed to follow up with me You never did I have Been calling for 3 weeks he i said I though XXXX handled How I replied how could he handle it he is not a supervisor You just never wanted to call me back from the beginning it 's a scheme your company is just juggling me left to right not intending to refund anything and the lady I spoke with was just stalling me lied to me so get to the dead line and I could n't cancel my loan with you guys And gon na, XXXX told me in a nice way basically to go bound sand And he ca n't let me listen to that conversation I told him am gon na complain to the CFPB XXXX XXXX did n't care he even gave his supervisors name XXXX XXXX.
We were lied to by representatives @ lending club in regards to the {$1200.00} We were lied to by the Manager XXXX about following up he never did as discribed above I was told buy XXXX that we could listen to the call together, but I was told by The manager XXXX that i ca n't and that he listened to call and she promised me nothing and she did n't say anything about not getting that {$1200.00} back in my account at lending club I asked if he was sure he said yes so I asked so wht she say he replied I do n't remember it 's been a month ago I said sir it be 21/2 weeks but you are very sure she did n't say nothing of that sort but your do n't remember wht she said at this point I said very good I see how it is with your company I told him that I will file a complaint with you but as I mentioned earlier he did n't care Please we would like to reverse this loan and never do busness with this unethical lying lending institution Best regards XXXX XXXX
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06/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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My formal complaint is as follows : Due to the Coronavirus Global Pandemic devastating our nation, my account with Lending Club was placed on COVID-19 Disaster Relief program which entails, I will not be charged late fees or reports of any missed payments during the program to credit reporting agencies.
Lending Club has admitted their error and has agreed to remove the false reporting however, there are two late payments have yet to be removed, as a result I am unable to receive Paycheck Protection or any SBA Disaster Relief Loan for my business.
My company XXXX XXXX is headquarted in XXXX XXXX ; California and was government ordered shut down in XX/XX/2020 and our Govenor XXXX XXXX extended the stay at home order another 3 months. As a law abiding citizen of the United States who fell victim to the global pandemic, along with millions of Americans ; there should be a Emergency Law for a moratorium for all consumers who have a loan, mortgage or credit card from negative reporting being placed on a consumers credit file starting in XX/XX/2020 until the COVID-19 Coronavirus is no longer a threat to our entire country and small businesses. XXXX XXXX has a Re-Opening in 5 Stages. XXXX XXXX is currently in Stage 1 and my business falls under Stage 4. My account was placed on Disaster Relief with Lending Club in XX/XX/2020, therefore there should NOT be any negative reporting of any late payment after my account received a disaster relief modification. A late payment was reported on my credit file in error in XXXX and XX/XX/2020. 100 % unacceptable. It is a sheer courtesy to forgo any negative reporting to their clients during this global crisis yet ; It is irresponsible for Lending Club to not protect its clients credit rating during this unprecedented pandemic. As a result, my business has been unable to receive Paycheck Protection since XX/XX/2020, in addition to my company not being allowed to make a profit since XXXX and Lending Club has ruined my business ' opportunity to receive any business loan as well as receive first round funding for a commercial acquisition. My business is 100 % social gathering and tourist dependent, the industries involving 10 or more patrons to generate an income were hit the hardest. Receiving Paycheck Protection and other business funding will help aid my company to rebound when XXXX XXXX reopens. I'm seeking legal counsel, it should be illegal for such disregard of the effects of the devastation a late payment has caused my family. To add insult to injury, it is 100 % the responsibility of Lending Club agents to inform me when a late payment would be reported to the credit bureaus while I am on a recorded call to ensure I am protected. The phone records will prove I was never informed as I frequently remained in contact with Lending Club to prevent any late payments adversely tanking my score. If I was informed properly and in time, I would have avoided this crisis. The responsibility of an agent avoiding to inform me of the correct balances to avoid a negative reporting is just as NEGLIGENT as a doctor not informing a patient they have cancer and then the patient finds out from another doctor they are about to die. My husband 's prolonged illness and current hospitalization in addition to Covid-19 has caused discrepancies with my account and must be corrected due to the agents failure to inform me of my status. This is the same negligence with my complaint and now I feel XXXX, it's only so much one person can take. I have been in contact with Lending Club from the onset of my business being government ordered shut down to avoid any negative reporting as my company is in current negotiations to purchase its second property and a late payment may halt the acquisition in its tracks, therefore it is imperative these reporting errors be removed immediately. I have never had a reported late payment with Lending Club until XXXX 2020 in the heart of the Covid-19 Pandemic which is an atrocity. I would never purposely make a payment late, knowing the crucial importance to my business current acquisition? If this late payment causes loss to my company, I will have no choice but to sue Lending Club for loss damages to my company. My account was place on Disaster relief on XX/XX/2020, therefore there should not be a negative reporting in XXXX. Both negative items must be removed from my credit report immediately. The devastation this has caused my company and family is in the multi-millions. Thank you for your swift attention to this matter. XXXX XXXX
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12/21/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
I would like for the CFPB to look into Unfair, Abusive, Deceptive Acts and Practices ( UDAAP ) regarding the COVID and default assistance options offered and lack thereof and Predoatory Lending for my second loan. I became impacted by COVID XX/XX/XXXX. I was let go from my job and it took 5 months to get unemployment. At that point, I was struggling with rent and car payments as those are priority to provide for my family. I then contracted the XXXX tin XXXX and was in the hospital, on XXXX XXXX at one point. I finally made it and made it home in XX/XX/XXXX. On XX/XX/XXXX, while I was in the hospital, my husband died from XXXX. On XX/XX/XXXX, my daughter then died from the XXXX. My only source of income is unemployment that is about to end.
I have many issues now that I am in a position to understand my accounts and what is going on. First though I GET A CALL TODAY XX/XX/XXXX ( FOUR DAYS UNTIL XXXX XXXX AND THEIR RESP TELL ME THERE IS NO COVID OR REGULAR HARDSHIPS OPTIONS AVAIABLE FOR ME NOW! ARE THEY NOT AWARE THE PANDIMIC IS AT ITS WORST RIGHT NOW? THERE ARE HARDLY ANY JOBS AND I JUST LOST HALF MY FAMLY! IT IS JUST ME AND MY SON! THEY THEN PROCEEDED TO TELL ME, WELL IF YOU DONT PAY, YOUR CREDIT WILL BE RUNIED AND YOUR ACCOUNT WILL GO INTO COLLECTIONS! LENDING CLUB NEEDS TO OFFER ME SOMETHING! BY THE GRACE OF XXXX, I HAVE BEEN ABLE TO SELL THNGS TO MAKE MY INTEREST ONLY PAYMENTS OF {$600.00} BETWEEN TWO ACCOUNTS FOR THE PAST FOUR MONTHS!
I have remained in contact with Lending club, as I could each month. I have taken advantage of a few COVID options offered through Lending Cub ; One being Skip-a-Pay and the other interest only payment. The CFPB needs to be aware and investigate I as well as others did not fully understand the full downstream impacts of accepting said offer. During each call, I was always told something different therefore, the associated disclosures were inadequate. In addition, Lending Club does not currently proactively communicate with customers in order to apprise these consumers of their opportunity for self-remediation ; I have to call and battle for assistance. In addition, Lending Club does not have an established programmatic process to adequately handle customer inquiries, concerns, and/or provide workout options.
How can you stop offering assistance for accounts holders who are doing their best to make ends meet in the height of a pandemic?!
Furthermore, regarding the assistance options offered. My loans balances have went up over {$4000.00} each!!! I know I skip two payments for XXXX and XX/XX/XXXX and those would be added, plus interest for those months, but nothing to these amounts should ever been added!!! It was only until I entered the interest only payment options ( I was in the hospital at the time ) did they tell me the amount that would be added to the end of my loan I had no choice but to accept the interest only option as it was that or go into default. When I asked, if I am paying the interest each month why is my balance increasing over {$1000.00}? They HAD NO EXPLAINATION AND JUST SAID, WELL THATS HOW IT WORKS.
Regarding the predatory lending- they gave me two loans with over {$1200.00} in monthly payments at high rates!
Loan # XXXX current balance is {$11000.00} Monthly payment {$560.00} Loan # XXXX current balance is {$15000.00} monthly payment {$600.00} Lending club needs to come to a SETTELELNT AGREEMNT WITH ME BEFORE MY CREDIT IS RUNIED and provide me with a payment amount I can afford and that is reasonable with the pandemic. It is days before XXXX, and they are telling me they have nothing to help me! Their position is, well, the account will just go into default, we will ruin your credit and make you suffer more than you already are! I need my credit! Its just me now! This company needs to be made to have options for assistance until this pandemic is over!! I have clearly tried my best ti keep up on this account! They also need to adjust my balances back to where they were pre-COVID aside from the two months where I skipped payments, because I know I owe those amounts and understood what was disclosed. There have been several litigations cases against lenders for their lack of proper disclosure to consumer when entering into a Skip a Pay or other assistance option!
Also- Better train their Reps! They keep telling me, we only know what the computer tells us We dont have any options for what the Computer tells us. I asked to speak to a manager 15 times and they said there is now way to do that!
|
03/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
This complaint concerns a business account with XXXX XXXX ( now Lending Club Bank ) in the name of XXXX XXXX a sole proprietorship that I own and operate. On XX/XX/XXXX, I had a backpack stolen from me on a XXXX city street while waiting for a ride. I reported the theft that day to the XXXX Police Department and indicated in the report that my wallet was inside my backpack and that financial information including my business debit card for XXXX XXXX was likely missing. My phone was taken during the incident too.
I communicated all of this to various representatives at XXXX XXXX in several calls and messages in the subsequent few days yet {$3300.00} in unauthorized charges were made using my XXXX XXXX business debit card draining my account to a balance of {$8.00}. I didn't fully become aware that my account was missing so much money until XX/XX/XXXX when I reviewed my monthly statement. My point of contact at the Bank was XXXX XXXX and he stumbled through the process to say the least. He promised to initiate the claims immediately based on the card being lost or stolen and that I would be credited the missing funds in 10 days. The claims were not filed. In fact, one week later XXXX admitted to me on the phone that he had forgotten and nothing had been done but promised to " send me everything '' that day. 72 hours later I received a claim form through docusign that did not include all of the transactions we had discussed or a correct factual timeline and his remarks that the card was lost not stolen. This clerical mess was eventually corrected. However, I was never credited the missing funds. Instead one week later I received a check for {$8.00} the balance of the account from the bank as they had closed my account.
Over the next few weeks and months the Bank insisted that my funds were not protected since I had a business account and a debit card was used in the transactions. There would be no credit and it was hinted that the bank felt I was at fault despite me being a victim of a violent crime. I tried to appeal this decision but in XXXX of XXXX the Bank told me since the account number # XXXX is a business account we can not appeal the decisions on the disputes since business accounts are not protected by regulation E guidelines and when we do not have chargeback rights, we can not appeal the decision. We do apologize for any inconvenience this may have caused you and we appreciate your understanding. I believed the bank and I moved on feeling fortunate I had my health.
However, last month a separate matter I had with Lending Club Bank was finally resolved with the CFPB 's help and in the process the bank 's pattern of deception and lies to me are clear. In the recent case, I filed a complaint against the bank six months after I had reported being overcharged {$2100.00} by a merchant on a repair bill. The bank filed a chargeback on my company 's behalf but then told me ( 47 times between XX/XX/XXXX and XX/XX/XXXX ) that my money wasn't protected since I had used a business debit card. After the CFPB reached out, the bank finally admitted that my dispute was covered and that they owed me protection for the missing funds under XXXX 's zero liability policy which I had argued all along covers my small business account.
However, even with the return of money owed in that case their failure to understand XXXX 's policy and its application was front and center in a letter they sent to me on XX/XX/XXXX and it is this same letter that pulled back the covers on the Bank 's lies to me about the {$3300.00} that was taken from me well over a YEAR AGO in XX/XX/XXXX. In that letter 's 4th paragraph the Bank explains " a review of XXXX zero liability policy led to the conclusion that protection would only apply in cases of loss or theft of their debit card ''. The Bank had inadvertently told on themselves in the older matter that involved my stolen debit card in trying to excuse their delay in not telling me I was protected in the matter where I was overcharged.
|
07/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! 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 XXXX , XXXX , and XXXX. 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 Federal Trade Commission, 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. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
LENDING CLUB CORP XXXX {$0.00}
|
11/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
On XX/XX/XXXX, I tried to make a transaction with my debit card with Lending Club XXXX ( formerly XXXX XXXX ), and could not.
I realized I could not access the funds in my bank account. I tried logging in to my online account, and could not access the online account. I tried resetting the password multiple times, but couldn't receive the " reset '' email. I checked to make sure that it hadn't gone to spam, tried testing my email, and absolutely nothing.
Finally, I called the customer service number, and was informed that I couldn't access anything because my bank account had been frozen, and that they didn't know why and couldn't find out because it was after business hours. The agent, XXXX, that I spoke with informed me that she had reviewed my account history and couldn't see any reason that my account should be frozen ( no history of overdrafts, no excessive activity, no cash deposits, etc ), and there weren't any notes indicating a reason for the freeze. She told me that she had escalated this to be addressed first thing when the bank opened the next morning ( XXXX EST ), and someone would contact me.
I did not receive a response, so the next day, XX/XX/XXXX, I tried the online " Live Assistance '' feature to try to get the account unlocked at approx XXXX ( EST ). I chatted with an Agent, XXXX, for approximately an hour. She confirmed that the account was locked, but that she couldn't see a reason why the account was locked, nor could she unlock it. She again told me that she was escalating the situation, and someone would get back to me.
I still did not receive a response, so at approximately XXXX ( EST ) I called the customer service center and spoke first with XXXX and then with XXXX. They again confirmed that there didn't appear to be any reason for the lock on my account, but that they did not have the authority to remove the lock, and that the team who could " did not speak directly with customers. '' XXXX stated that I was reasonable to be upset in the current situation, and that he also found it unacceptable, but there wasn't anything he could do about it. He said that he also was " escalating '' the situation, and someone would get back to me.
After this call, my husband, the joint account holder, called and spent over 4 hours on the phone trying to get an explanation for the freeze. Eventually, we were told that they are looking for " verification of a check '' that we deposited. We explained that the check was funds from a vehicle trade-in, and they told us we needed to verify the funds, but they couldn't tell us how we were supposed to verify it. Finally, we have been told that we have to get a letter from the dealership verifying that they gave us the check in order to have the account unlocked. Unfortunately the department that handles this is gone for the weekend, and so my account will remain locked until at least Monday. We asked if they could just hold the funds from the deposit instead of freezing the entire account ( so that we could at least do things like buy groceries ) and were told that no, the entire account- which contained significantly more than the deposit in question - would remain frozen until we produced additional verification.
Before receiving any communication from the bank, my account and all of my funds had been frozen for almost 2 days. The only way I even got that information ( finally ) was by making multiple phone calls over 2 days and HOURS of arguments with their employees.
By the time this is resolved, I will have been without any access to my funds for 5 days, and I have done NOTHING wrong. The deposited check in question was from a legitimate automotive dealership on a legitimate transaction. To make this worse, the check deposit in question has CLEARED the originating financial institution. It is NOT a bad check. We contacted the automotive dealership that issued the check, and they provided us with a copy of the clearance from their bank from 5 days ago.
|
03/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
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Hello. We started this account XX/XX/XXXX and paid as agreed for a year - no issues. After the pandemic, hit we continued to pay and then 6 months later in XX/XX/XXXX, my husband was furloughed and he called Lending Club immediately to make a payment arrangement. They offered to allow him to skip 2 payments and for him to call back in XXXX if more assistance was needed. In XXXX, he calls to inform Lending Club that his job was still furloughed with no end in sight. A payment arrangement was agreed and he was to begin paying {$390.00} for three months automatic draft.
In XXXX, we received a notice that payments were late which puzzled us. Then we found out they were taking full payments instead of the agreed terms. We called them immediately and were informed that they had no record of any such payment arrangement but we saw it in the account. Even our bank XXXX XXXX saw this discrepancy and refunded our money back. Meanwhile, a rep from Lending Club said a manager would review the audio of the arrangement from the XXXX conversation and get back to us. And we never heard back from anyone. My husband emailed 5 times, called several more times to reps hanging up the phone to no avail. When he did get in touch with a rep, he was told there was nothing they could do.
That manager NEVER followed-up and I think many reps were working remotely, not notating accounts properly, not updating online accounts, etc. I am a co-signer on the loan. Our credit reports are dramatically being affected and no one from Lending Club is helping and they are saying managers are not available to speak with customers which I think is quite unacceptable. THIS IS OF NO FAULT OF OUR OWN. How can a company have no managers available to speak with customers when they call? Is this not insane?
All the reps seem to be useless in helping in this situation and tell us they been instructed to send managers emails and hopefully they will call customers back. They keep telling us there are lots of notes in the account about this situation but no one is helping or returning phone calls. We still have yet to speak to a manager or person of authority and now the account is in collections unfairly and XX/XX/XXXX, it was reported on our credit reports in default. We have had a loan with Lending Club before and paid it off. We are not irresponsible and our history has been good with this company. Since the pandemic, we have been stunned at how we have been handled as customers and the unfair reporting practices.
Within the last two weeks, we set up an arrangement to bring the account in good standing. They took the money out of our bank account and then returned it back to us to our surprise.
Lastly, they are putting false statements in our account history so when we call to speak to a rep, they are telling us things that are not true. On XX/XX/XXXX a rep told me that we had a 'cease and desist order ' on the account and a lawyer - we have never told Lending Club this information! It is false. Who is putting false notes in our account? I have never heard of such. This is an unfair situation and the pandemic was not our fault and we did everything in our power to prevent what is going on now but Lending Club failed us in so many ways. We were even told Lending Club had no plan to help customers past 3 months DURING THE PANDEMIC! Why would they think anyone would recover in 3 months?
I have sent messages to XXXX, XXXX, the Lending Club website, called and asked to speak to a manager. No one will call back and help! Or when the one person from XXXX did, he or she did not follow-up in a timely fashion. This was all preventable. I am desperate for assistance from someone in authority.
This is honestly not a case of irresponsible people. We pay our bills! We want to work out an arrangement that is fair and just during a crucial time that no one could foresee. This pandemic hit our family hard. Thank you for reading all of this.
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08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
On XX/XX/2021 I was notified by my credit monitoring company that XXXX credit was reporting that a new credit account had been opened with Lendingclub Bank NA. The information given matched exactly that of an account that had already been reported to XXXX on XX/XX/2021 with the last four digits of the account being XXXX. XXXX was now reporting that I had two open credit accounts with Lendingclub when in fact I only have one.
On XX/XX/2021 at XXXX XXXX MT I contacted LendingClubs customer service department via phone and spoke with XXXX, she informed me that she had received numerous calls from Lendingclub customers reporting that they also were experiencing the same issue of duplicate accounts being reported to credit reporting agencies and to file a dispute with XXXX.
On XX/XX/XXXX, I file a dispute with XXXX indicating that there are duplicate accounts on my credit report that are inaccurately reporting an inflated overall debt and an inflated monthly payment. XXXX confirmation # XXXX.
On XX/XX/2021 at XXXX XXXX MT I contacted XXXX and the agent confirmed that Lendingclub was reporting the same account number, same loan amount, and same monthly monthly payment but that Lendingclub had reported the same information as a new account on XX/XX/2021. The XXXX agent informed me that because Lendingclub had reported it as a new account, even though the information was the same as the original account opened in XX/XX/2021, that they had to treat it as two separate accounts.
On XX/XX/2021 at XXXX XXXX MT I spoke with XXXX at Lendingclub and reported the error and was told to call back in seven days.
On XX/XX/2021 at XXXX XXXX MT I called Lendingclub customer service and was informed by XXXX that Lendingclub was aware of the problem and had a consumer advocate team working with XXXX to correct the credit reporting error.
On XX/XX/2021 at XXXX XXXX MT I contacted Lendingclub customer service and spoke with XXXX, she informed me that this was a company wide problem and that the CEO of Lendingclub was aware of the problem and the inaccurate reporting of duplicate accounts had happened to a large number of their customers, and because so many customers had been effected it was going to take some time to correct, and to call back in a week.
On XX/XX/2021 at XXXX XXXX MT I contacted Lendingclub customer service and spoke to Ashawnie he informed me that Lendingclub was aware of the problem and that Lendingclub was working on fixing the issue.
I was informed by XXXX that they could not delete the duplicate account from my credit report because Lendingclub had verified that it was an active and open account even though it is an exact duplicate of an account already being reported by Lendingclub.
On XX/XX/2021 I received a document from Lendingclub ( attached ) sent by XXXX XXXX that Lendingclub had erroneously reported two Lendingclub club trade lines to XXXX and that it had been corrected.
On XX/XX/2021 I contacted XXXX and pulled my credit report and the duplicate credit accounts still appeared on my credit report, with an inaccurate doubled overall debt and inaccurate doubled monthly payment amount.
On XX/XX/2021 I contacted Lendingclub customer service and spoke with XXXX she informed me she would report the issue to her superiors and gave me a ticket # XXXX, and to call back in a week.
On XX/XX/2021 I received a document from Lendingclub ( attached ) from XXXX XXXX indicating that Lendingclub was aware of the problem and is working to resolve it.
As of XX/XX/2021 this credit reporting error still appears on my XXXX credit report. It has been over two months since this error was reported and acknowledged by Lendingclub with no resolution.
I have tried repeatedly to correct the error with XXXX but was told by them that only Lendingclub can fix the issue because Lendingclub is verifying the information as accurate.
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07/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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In XX/XX/XXXX, I reached out to LendingClub to make arrangements for hardship accommodations regarding the repayment of my personal loan account. At the time, I was current on my loan payments, but I was anticipating financial difficulties, due to the COVID-19 pandemic, and related economic impact. At the time of the arrangement, all previous loan payments were processed by scheduled ACH withdrawals from my checking account, which had executed without issue of any kind. The arrangement reached was to pay modified ( lower ) payments for two consecutive months, with a condition that the payments must be made on-time, or the agreement would be cancelled.
After reaching the agreement, the next payment due was scheduled for XX/XX/XXXX, and it was scheduled to be withdrawn by ACH, as all previous payment had processed. However, that payment was not processed by LendingClub on-time by ACH. Having given approval for ACH withdrawal from my account, I did not initiate a manual payment, for fear that it would trigger a double payment in LendingClub executed an ACH transaction following my manual payment. This resulted in LendingClub cancelling the hardship agreement. That began a dispute about the pending amount due for the next payment, which has never been resolved. LendingClub began attempting to collect essentially two months of regular loan payments shortly after the missed XX/XX/XXXX payment, instead of accepting the lowered payment amount, as agreed ; stating that I was no longer eligible for the hardship payment arrangement because I was late making the scheduled XX/XX/XXXX payment. I feel this failed ACH transaction was an unethical and disingenuous tactic conducted by LendingClub to avoid honoring the hardship arrangement reached earlier ; effectively reneging on their hardship payment plan agreement for my loan.
In following conversations with LendingClub, I repeatedly asked for justifications and explanations regarding the failed ACH payment that cancelled my hardship plan, but nothing they provided as justification was honest or trustworthy about the failed ACH payment. For example, their explanation was that an ( unidentified ) account manager inadvertently cancelled the schedule XX/XX/XXXX ACH transaction (? ). What is also notable, is that despite my willingness to avail myself to their collection representatives in following calls, they were clearly unwilling to accept accountability for the missed ACH withdrawal and work to remedy the situation in any way that didnt require me to make 2 full monthly payments. In my attempts to reconcile the amount outstanding on my loan, I requested the account statements for the loan. I was told that the only account records that were available was the payment history dating back to the beginning of the loan. I insisted that an account statement should be provided upon my request, to ensure that I could track all the charges being posted to the reported outstanding balance but was again refused any copies of account statements. This account balance and the amount owed is clearly in dispute by me, so reporting this matter to credit bureaus is a violation of FCRA This tactic represents LendingClubs refusal to extend accommodations that were provided under the CARES Act for Covid-19 and the violation of FCRA rules on reporting unvalidated account information on my credit profiles of the 3 major CRAs. This is having a significant impact on my ability to regain employment, or secure other financial resources. This is despite my efforts to work with the lender to reach amicable and allowable hardship repayment terms. This is incredibly stressful and toxic, and I am investing valuable time and resources addressing, what I feel to be, disingenuous tactics by this lender. A copy of the hardship agreement is attached for record.
Your attention to this matter is appreciated.
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02/08/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
Servicemember |
I requested a personal loan from Lending Club Bank on XX/XX/2022 in the amount of {$30000.00}, loan # XXXX, after careful review of the loan terms and interest rate I decided to cancel the loan request. I contacted Lending Club bank and was told that I had 30 days from the day the loan was approved to return the funds back without penalties of fees, the amount that I needed to send back was {$28000.00} because {$1800.00} was loan origination fees and since I was canceling I was not going to be responsible for that amount.
I was told that the funds were already send to the financial institution and I needed to wait till the funds posted and then send back the {$28000.00}.
I immediately contacted XXXX and they reversed the ACH transaction that posted to my savings account on XXXX XXXX in the amount of {$10000.00}, since the remaining balance was spread into three different accounts XXXX required a 10 day before they can reverse the payments back to the credit cards and the loan and then transfer the funds to the checking account to be able to send it back to Lending Club and on XX/XX/2022 XXXX posted the funds.
XXXX send the funds that posted to the Savings account on XX/XX/2022 return trace number XXXX.
{$10000.00} posted to my savings account with XXXX XXXX XXXX XXXX ( NFCU ) {$13000.00} posted to XXXX XXXX Cash Rewards Card, {$1900.00} posted towards XXXX XXXX XXXX and {$3000.00} posted to a personal loan with have with XXXX.
The issue that I am having with Lending Club Bank is denying receiving the {$10000.00}, I addition they are telling me that the funds have to be available in the accounts it was posted to so they can then do an ACH withdrawal, I have advise then via phone and numerous email that the {$10000.00} posted to a savings account and is a non-transactional account so the remaining balance of {$18000.00} will need to be withdrawn from the checking account still with the same financial institution XXXX, I was told they can not update the account information over the phone that I needed to login to my account and make the update, the issue is that for the past 3 weeks I have not been able to update the information due to an error message.
Lending Club Bank was notified via emails with print screen and calls and the issue still not corrected.
I need them to cancel the loan, confirmed that in deed they did receive the funds and credit the account in the amount of {$10000.00} that was send directly from my bank to them and proceed to withdraw the remaining balance of {$18000.00} from my checking account.
I also requested to speak with a spanish speaking representative and I was told and I quote " this is an english speaking company '' when I call with a XXXX representative on the line on our behalf they told us they can not have 3rd party 's on the line, I ask them to speak with my wife that they have my permission to do so and I was told since she's not on the loan they can not speak with me either.
I am getting the round around with this company, they put me on hold for hours at a time and then disconnect my call, I have ask to speak with a supervisor and they place the call on hold and then disconnect. I believe Lending Club Bank is not acting in good faith, instead with malice and misleading information due to the fact that I have been treated extremely poorly by them, I believe is because I am XXXX and been discriminated due to the language barrier.
They are yet to reply to any of my emails.
I need Lending Club Bank to account for the {$10000.00} immediately.
Thank you in advance for your assistance in this urgent matter, please note the deadline to be able to cancel this loan is XX/XX/2022.
XXXX XXXX XXXX XXXX or XXXX
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04/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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I have a personal loan through Lending Club that was taken out in XXXX of XXXX. It was a 36 month loan for {$10000.00}. They immediately charged a startup fee of nearly {$1000.00}. So really, I received {$9000.00} which I used to pay off an auto loan so I could sell the vehicle through private party. I had made all of my payments on time without issue. When covid hit in XXXX of XXXX, I was no longer with a job and hadn't received any financial assistance at this point so I was very nervous that I would not be able to make my $ 421 monthly payment. Luckily, all of my other expenses were offering deferments due to covid, so I inquired with Lending Club if they would offer the same. They assured me that they did. Both on their website, automated voice messages, and personally over the phone, they stated that they understood that these were hard times for everyone and that they were here to help. Like anyone else in my position, I jumped to the occasion and received 4 months of payment deferrals. This was a blessing and gave me enough time to get back on me feet and figure out my finances. After the deferment period, payments returned back on their normal date and were automatically withdrawn from my account. Since then, I have never missed a payment and have been in good standing with the company.
Here 's where the issue comes in ...
Since my payments were automatic, I never had to check the website in order to make payments. This I take credit for, as I wish I had caught this much earlier.
Lending Club decided to add an additional 5 months on to my term, on top of the expected 4 months of deferment. So my loan went from a 36 month loan to a 45 month, with an additional {$2000.00} added on top. So at one point I owed more money than I had even taken out, almost an extra 1,000 dollars. So all in all, they have profited almost {$3000.00} not including the ludacris amount of interest they are already profiting off of me ( about {$250.00} each month, more than half of my monthly payment ).
When I confronted them about this issue, the receptionist agreed that this was shady practice, but I agreed to it and there was nothing that could be done. When I asked for a manager they put me on hold for an hour then hung up. When I called back and waited again, they told me there were no managers to speak to, I insisted on waiting. When the manager got on the line she pretend to not hear me and hung up. When I called again, the receptionist answered, I heard someone in the background telling her to hang up, and she hung up. When I called back again ( about 4 hours into this exchange ) I was finally able to speak to the manager. She insisted that I agreed to the nearly {$2000.00} in additional charges and extra 9 months of payment, and that there was nothing I could do about it. She said she listened to audio tapes of me agreeing to these charges. When I asked to hear the tapes, she refused. Then she hung up.
In conclusion, I have been wrongfully exploited by a predatory loan company during a global pandemic. A deferment is a deferment. There is absolutely no reason to charge thousands of dollars for a deferment. Especially during a pandemic. Especially when they advertised that they were here to help. Had I known that they were going to do this to me, I would have never ever taken this deferment payment. It's sickening what they have done.
I have already filed my complaint with the XXXX XXXX XXXX and the Department of Financial Protection and Innovation of California. From what I hear, Lending Club is already in deep water with the FTC. So, I'm certain I'm not the only one they have manipulated in recent months.
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01/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
Older American |
I entered into a contract with XXXX XXXX on XX/XX/2018, for the sale of the following items : XXXX+ XXXX XXXX Services agreement - Men, for myself, at the XXXX XXXX XXXX XXXX , in XXXX XXXX , Texas . The amount of the services total {$6400.00}. I was given the contract on this date to sign and was not given enough time to review it in detail and the manager didn't explain to me about the information detailed within the contract. He requested I sign it and not to worry if I decide to not use the services the contract can be cancelled within a few days by calling them back at their offices over the telephone to cancel the services and contract. I was offered financing through the Lending Club on XX/XX/2018, for the full amount of {$6400.00}, for the XXXX XXXX XXXX.
The next day on XX/XX/2018, I went into the XXXX XXXX XXXX, to request to cancel the services and contract with the manager XXXX XXXX, he reported to me to take more time to think about it and I reported to him I wanted it cancelled the contract but was not give any documentation to sign as I requested for. The manager XXXX XXXX reported to me in person on this date to give it more time before I decide on making a final decision. I reported to him I wanted to cancel the services and contract. This was not the services I had wanted to obtain I was under the impression it was another type of service.
I then made contact by email on XX/XX/2018, to XXXX XXXX with XXXX XXXX, and his Assistant XXXX XXXX, since I continued not to get any information from the XXXX XXXX about my request to cancel my contract. I then sent the email to both of them with XXXX XXXX and to Lending Club to inform them that I want to cancel the membership with XXXX XXXX and all services with them. I would not need to obtain this loan from Lending Club.
I then made contact with Lending Club on XX/XX/2018, to inform them that I didn't need the loan due to requesting to cancel my contract with the XXXX XXXX and requested that they cancel my loan to XXXX out my balance with them since I will not be using the XXXX XXXX 's services. I was informed by the representative with Lending Club that I would need to contact the XXXX XXXX to request them to send to Lending Club a cancellation of the services with a credit informing them that I will not be using there services and a credit would need to be sent back to them to credit the account back to them in the amount of {$6400.00} on the account, before they can remove it off the account. This account with Lending Club has already be sent to my credit report reflecting the amount owed.
On XX/XX/2018, I was in the office with a financial counselor when I made the call to XXXX XXXX to request a cancellation of this contract as Lending Club requested in order for me to get them to send Lending Club a cancellation of this contract with a credit back to them in the full amount owed {$6400.00}. The XXXX XXXX Manager XXXX XXXX, then scheduled to meet with me on XX/XX/2018, to provide me with a XXXX XXXX XXXX and Release Agreement form to sign he reported to me it would release me from this contract and services with XXXX XXXX I went in and signed the XXXX XXXX XXXX and Release Agreement form in person with XXXX XXXX XXXX he reported it would be sent to Lending Club the cancellation of the services with a credit back to them.
On the next day on XX/XX/2018, I letter was sent to XXXX XXXX main offices to update them on this contract matter requesting the cancellation of these services with XXXX XXXX, in XXXX XXXX, Texas. I will be attaching all documentation for the CFPB 's review of my request to investigate this matter.
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10/22/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2021 I, a CONSUMER, a NATURAL PERSON wrote a letter according to 15 USC 16922g to inform LendingClub Corp that I was disputing and requesting Validation for an alleged debt. I also informed Lending Club Corp, a person, that If they reported any invalidated information to the XXXX major credit reporting agencies ( XXXX, XXXX and XXXX ) that their actions may constitute fraud under federal and state laws.
I also wrote LendingClub Corp, a person, a Cease and Desist according to 15 USC 1692c ( c ) informing LendingClub Corp that I was refusing to pay the alleged debt and to cease all forms of communication with me through any and all mediums. I informed LendingClub Corp, a person, that I, a CONSUMER, the original creditor was invoking my special remedy according to 15 USC 1692c ( c ) ( 2 ) demanding they XXXX out the balance of the account, return all monies received, pay the attached invoice and to delete from all Consumer reports. I instructed them to provide me with the name and address of the alleged creditor, name of the alleged debtor, alleged account number, address of alleged debtor, amount of alleged debt, date the alleged debt became payable, date of original charge of delinquency, was the debt assigned to a debt collector or purchased, amount paid if debt was purchased, commission for debt if collection efforts are successful.
I instructed LendingClub Corp, a person, to attached the agreement that granted the collection agency to collect the alleged debt, the signed agreement debtor made with debt collector or other verifiable proof of contractual obligation to pay debt collector, any agreement that bears the signature of the debtor agreeing to pay creditor, all statements while account was open, have any insurance claims been made by any creditor regarding the account, have any judgements been obtained by any creditor regarding the account, and the name and address of the bonding agent for the debt collector.
I informed LendingClub Corp that they had 30 days to return the form i sent completed along with all requested information, assignments or other transfer agreements, which would establish their right to collect the alleged debt from the date of receipt of my letter.
I informed them that their claim could not and would not be considered if any portion of the form was not completed and returned with copies of all requested documents.
XX/XX/2021 I, a CONSUMER, a NATURAL PERSON sent the letter to LendingClub Corp, a person, by way of U.S. Postal Service, CERTIFIED MAIL RECEIPT.
XX/XX/2021 I, a CONSUMER, a NATURAL PERSON received a CERTIFIED MAIL RECEIPT from LendingClub Corp notating it had been received by A.A 501 an agent of LendingClub Corp.
XX/XX/2021 I, a CONSUMER, a NATURAL PERSON received a XXXX XXXX Envelop shipped on XX/XX/2021 from XXXX XXXX from XXXX, UT. Inside was communication from LendingClub Corp stating they received my letter dated XX/XX/2021 and received on XX/XX/2021. By sending this letter LendingClub Corp knowingly or intentionally violated 15 USC 1692. This shows they do not follow the law and will continue to violate the rights of CONSUMERS. The letter contained more than 10 violation of Title 15 USC.
LendingClub Corp has not validated the alleged debt and continues to violate my rights by communicating with me through mail. LendingClub Corp has not paid the invoice that was sent on XX/XX/2021.
XX/XX/2021 I, a CONSUMER, a NATURAL PERSON wrote and sent a notarized AFFIDAVIT of TRUTH by way of U.S. Postal Service CERTIFIED MAIL RECEIPT to LendingClub Corp with violations and an additional invoice with more violations they committed.
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07/09/2019 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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I have several complaints to lodge against Lending Club.
In XXXX of XXXX I underwent XXXX for a severe medical condition. I contacted Lending Club in XX/XX/2018 to let them know my XXXX payment would be about 8-10 days past due considering the hefty medical expenses I was incurring. They advised that this would fall within their grace period of 10 business days, so I agreed to schedule the future dated payment over the phone. I also had the agent I spoke to remove my auto-pay that was set-up and advised her I would likely call-in again a couple days after the due date to settle up on the next upcoming payment ( XXXX ). I advised the agent that I was undergoing a tough time with a medical hardship but was just advised to call them when I was ready to make my XXXX payment.
Instead, I called a few days after the XXXX due-date because TWO payments were taken from my account for some reason, which also caused me additional fees with my bank. I contacted Lending Club by phone AND email several times from XX/XX/XXXX-XX/XX/XXXX, and was finally able to get someone on the phone on XX/XX/XXXX by calling one of the back-office phone numbers. The person who assisted me advised they could not refund the duplicate payment ( which was currently causing my bank account to be overdrawn & other payments to be late ), and advised that they would keep the duplicate payment to satisfy my next upcoming due date. I also again advised that the only reason I had previously called was to advise of the medical hardship that was currently impacting my payments. Again, nothing was suggested as a solution to help.
Now fast forward to nearly one year later, and I see that Lending Club is incorrectly reporting payment details to the credit reporting agencies regarding my account. The account balance is incorrectly being reported, the payment dates are incorrectly being reported, and causing me the most negative impact - they have reported that I've made 3 30-60 day past due payments when this is not the case. I have included a copy of the payment history on my account from THEIR WEBSITE and it seems that their reporting is completely inconsistent. I have called them on various occasions to discuss my account, but then in XXXX at 20 days late, they turned my account over to a third party debt collector. Since LendingClub would not speak to me and would direct my calls to the third party, I have had to make my payments via the third party ( XXXX XXXX XXXX ). However, even though I have made several payments through the third party ( since that is my only option ), I am continued to be advised that LendingClub will not service my account - even though they have stated they only turn accounts over to a third party when they are 30 days past due. My account has NOT been 30 days past due ; and I do not understand why LendingClub is able to report incorrect information when supposedly they are not even the company who is currently servicing my loan.
I have received unwanted & unsolicited phone calls from XXXX XXXX XXXX on multiple occasions that upon answering the call, I am advised that they aren't even sure why they are calling because they see that my account is in good standing and should be being handled by Lending Club. However at this time, LendingClub will still not answer questions from me regarding the servicing of my account. Not only is LendingClub being misleading and reporting false account details along with incorrect payment history - they are not holding the third party to FDCPA standards when collecting on their accounts & they are also not concerned with providing solutions to customers.
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12/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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Synopsis : I procured a loan from Lending Club through my dentist 's office. It was advertised to me as a no-interest loan. When I received the first statement, I saw that I was charged 17.9 % interest. After several calls to Lending Club and my dentist 's office, the loan was cancelled. To date, the monies paid toward the loan, including the interest charged, has not been returned to me.
History : On XX/XX/2021, I procured a loan through my dentists office for dental work. It was advertised to me as a no-interest loan for {$11000.00} through loan Lending Club XXXX However, when I received my first statement from Lending Club, I noticed that the interest rate for my loan was 17.9 %, a stark difference from the no interest loan that was advertised to me. I immediately called my dentist office to correct this mistake and was told that I need to contact Lending Club. On XX/XX/21, I contacted Lending Club to correct the mistake. The representative told me that my account would be changed to a 2 year loan with no-interest. Then, I received the following months statement. Again, I was saw there was a 17.9 % interest charged to my account. I called Lending Club again and was told that the last representative was incorrect in saying that I could change my loan to a 2 year no-interest loan. The representative told me that my loan was currently a 5 year low-interest loan, despite the statement I received indicating a 17.9 % interest rate.
In XXXX 2021, I lodged a complaint with Lending Club. I was told to contact my dentist office and to ask the dentist office to contact Lending Club to resolve the issue. I contacted my dentist office again per the instruction of Lending Club. When there was no resolution, I asked my daughter to contact Lending Club on my behalf. My daughter called Lending Club and offered to payoff the loan amount in an attempt to avoid further interest charges on the account. She was told to wait pending the result of the complaint that I had lodged in XXXX. I received my next statement from Lending Club, again showing a 17.9 % interest rate charged to my account. My daughter called Lending Club again and was instructed to have the dentist office cancel the loan by returning the money it had received from Lending Club and then to obtain a new loan through the dentist office as a separate transaction. She was assured that all monies paid toward the loan, including the interest for the last 2 months would be returned to me.
On my behalf, my daughter contacted my dentist office and asked them to return the monies received by the dentist office to Lending Club. XXXX, an employee of my dentist, said that she would speak to XXXX XXXX and Lending Club regarding the same. XXXX called my daughter back to say that XXXX XXXX will return the money to Lending Club. She also said that she had spoken to Lending Club and was reassured that the all monies paid on the account up to that time, including interest, would be returned in a few days. After a week elapsed and I had not received my refund from Lending Club, I contacted them as to its status. I was told that I had a credit of {$450.00} in the account, which was cancelled. I complained that I did not want a credit to a non-existent account and that the amount to be refunded was incorrect. I should have been refunded {$1000.00} ( check XXXX and XXXX ), which was the amount that I had paid to Lending Club. Later, I received a check in the mail in the amount of {$450.00}. I have not cashed the check because I do not agree that this is the amount due to me and to this date, I have not settled this dispute with Lending Club.
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08/22/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
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Web |
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I got a loan from Lending Club in XX/XX/2018 for {$15000.00}. One of the agreements I signed, it stated that Lending Club would be sending me a reminder 10 days before the payment would be automatically deducted from my account. I never received that notification.
On XX/XX/2018, I received an email stating ______ Your loan payment of {$640.00} due on XX/XX/2018 could not be processed due to insufficient funds in your bank account.
We will attempt to process your {$640.00} payment again in five business days. Please ensure that you have sufficient funds in your bank account at that time ....
XXXX This is correct. After checking my account, I was able to see this transaction attempt. Because I had not received the 10 day notice, I had not ensured the funds would be in the account.
On XX/XX/2018 I received an email stating that my payment was late. It provided a link to schedule a new payment. I wired the funds into my account and asked that it be processed the same day. I also asked for loan payments to be shceduled on XXXX of month.
That is the very last email I received from Lending Club regarding payments. I received several promotional emails after that. I was pleased that the issue was resolved.
Since I hadn't received the contractual 10 day notification for the previous payments, I didn't pay any mind. I never received another late notice or anything regarding payments.
In XX/XX/2018, I received an alert from a credit bureau stating new derogatory information was posted to my credit report. When I consulted my report, it should several late payments from Lending Club!
I was once more out of the country but I immediately called Lending Club. They stated that after the attempt in XXXX, they tried to take two payments in XXXX ( before the XXXX date ) and that it was returned. They said that after that, they made no further attempts to collect anything. I explained that I had a signed agreement for the payments to be withdrawn from the account, and that if they hadn't notified me of any late payments or notified me of their cancellation of the automated payment contract.
I immediately paid the outstanding payment over the phone, making the account current, and scheduled the next payments as well. The funds were taken out of the account with no issue. A representative informed me that they had already cancelled the loan and charged it off.
How can they charge off a loan that was perfectly collectable?? How can they unilaterally cancel a contract without even informing the borrower??
Moreover, it has been over a month that they have collected the funds and have failed to update credit bureau records.
I called Lending Club and asked to speak to a supervisor. I was told none was available. One agent told me that my credit file would be updated by what would be now. It has not. The original balance still shows. Even worse, it shows as a chargeoff. I have no other personal late payments on my credit report ( one business related account which has already been resolved ) so this is really tarnishing my credit report.
I also think that there is an element of fraud involved. These loans are funded by investors. Lending Club makes money from fees that are withdrawn before the loan amount is deposited in the account. When a loan goes into default, Lending Club loses nothing. It's the investor that loses. After the loan is charged off, as in my case, Lending Club is collecting but the investor is NOT. This is fraud! Also, placing a loan into uncollectable status when you really haven't tried to collect is accounting fraud.
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05/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I've had a loan with Lending Club for a few years now with no issues. Until COVID19 hit.
We, like 99 % of people had a hard time with finances so we contacted them. They were so kind and understanding and helpful and told us that we could defer our payments for a certain amount of time under their " hardship '' program. And like many others, we struggled all year and continue to try and recover from the horrors of the past 15 months.
We did their " hardship '' the maximum amount of times allowed and was told that it would not negatively affect our credit or account and there were no late fee 's. Awesome. Not Our monthly payment with them is {$690.00} for 3 years, due on the XXXX of each month Our last 2 payments were made out of grace period but still within the time frame so it wouldn't be sent to credit reporting agencies.
I was making my payment on XX/XX/XXXX and looked at my payment history. That's when I noticed that the past NINE payment we made, since XXXX of XXXX, the entire {$690.00} went towards INTEREST ONLY. Not one cent went toward the principal!
I immediately contacted them via chat and asked about it and they said, yes that was correct because of the deferments. I asked if my payment that I just made would be applied towards any principal and I was told NO, that I still owed {$900.00} in INTEREST!
I have paid $ 5,000+ since XXXX of XXXX and NONE has been applied to principal so now my loan balance is SIGNIFICANTLY more than it was.
How is this " hardship '' program helpful?? I have NO idea when any of my payments will ever be applied to my principal I'll be paying forever at this point while someone is getting rich I'll still be struggling.
I asked if the loan could be restructured and I was told the only way to do that would be to reapply for an additional loan in the amount that I already owe. I did. I was denied.
Isn't this illegal?!? I really doubt that the government meant for companies to further inundate consumers with HUGE debt like this! Again, this is morally corrupt and is financially fraudulent! I am not the only one who has complained about this, there are others on Consumer Affairs website, yes I've placed a complaint there and with XXXX.
Lending Clubs website has all of these " reviews '' from customers, yet I am a customer and can't find where to post a review! I believe their reviews are also fraudulent.
I am asking for this to be investigated and resolved! They are literally stealing money from people with no end in sight. NONE of us had any control over what happened since last XXXX! None of us had a choice in anything! I was a good paying customer, never late, paid more than was due and this happens now. It has RUINED my credit, and my finances and has caused me even more stress than before!
Please help stop them from doing this. This is the only company that has done this to us! We've had hardship programs with almost every credit card, our mortgage company and our vehicle loan and NONE of them were like this! NONE of them hammered us with interest hand of fist until we were buried so deep there's no light at the end of the tunnel for us. This should NOT be ALLOWED! No one EVER told us, in over 15 months of going through this that when we made our payments that ALL of it would be applied ONLY TO INTEREST FIRST and NOTHING to principal! NO ONE EVER SAID THAT. It's deceitful and they took advantage of people during a GLOBAL PANDEMIC. They got rich while we got poorer.
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02/19/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
On or around XX/XX/XXXX, a dentist XXXX XXXX XXXX XXXX on XXXX XXXX. in XXXX, CA XXXX said they were going to " run '' my credit to see if I qualified for the amount needed for a family members XXXX XXXX, and that if qualified it would be for 12 months no interest. Having given them only my address, date of birth and social security number ( no other personal, employment or financial information - which would be needed to " apply '' for credit ), asked me to sign a one page document explaining that would just allow them to " run '' my credit. I was provided an " estimate '' of charges, and a future follow up appointment date was set. No dental work was done that day. The procedure was Never done.
Unknown to me at the time, on that same date ( XX/XX/XXXX ), the full estimated amount was charged to a Lending Club account that the dentist had opened in my name ( later using the paper I had unknowingly signed to dispute my dispute ), even though no procedures had been done, and by that time had been canceled due to health reasons.
On or around XX/XX/XXXX due to the patients XXXX XXXX, all future dental appointments were canceled.
On or around XX/XX/XXXX, when I received the Lending Club statement in the mail, I immediately submitted a dispute to Lending Club. I also disputed with the Dentist and requested the charge be reversed as the Dentist was well aware that she did not do any XXXX.
Initially the charges were reversed by Lending Club, -- the account was closed at one point, ( with a balance still owing on my credit report ), then re-opened - then later they sided with the dentist ( who provided the paper I signed and a fabricated invoice- with no proof of XXXX or medical records ). Lending Club ignored an email from the Dentist dated ( 4 ) months later admitting XXXX was not done.
I submitted a dispute two ( 2 ) more times both through the Lending Club Secure Message center, via email and by postal mail, providing documents from the Dentist who admitted the XXXX was NOT DONE, I also included documents provided to me by the Dentist after requesting the patient 's medical records - which consisted only of hand typed page of office notes with no mention of ANY procedures done.
However, over these months, Lending Club added interest ( it was supposed to be a no interest loan ), and continued to add late charges, while this account was IN dispute, the Lending Club also reported negatively to all three major credit reporting agencies, failing to include that the account and the balance due was in dispute, resulting in a drastic drop in my credit score, and two of my high limit credit cards lowering my credit limit by over half, to only a few dollars over my balance.
I again telephoned Lending Club today XX/XX/XXXX and spoke with a person named XXXX and then the person he claimed to be his supervisor XXXX. Being very distraught during the conversation with Lending Club, I do not recall the exact words, but they were very abusive, offensive and insulting and they both refused to listen to what I was trying to explain, in fact yelling over me that I need to listen to them, that they had the invoice ( the one dated XX/XX/XXXX XXXX and even though they had a copy of the email ( dated 4 months later XX/XX/XXXX - in which the dentist admitted that no XXXX was done ), that I had to get the refund from the dentist and they would continue to pursue collection ( even though the matter was still in dispute ).
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04/17/2018 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
My wife and I took out a large loan ( {$32000.00} ) in XX/XX/XXXX to cover education expenses with a private company who teaches real estate investing and offers one-on-one mentorship. We were advised to go through Lending Club out of XXXX XXXX. Lending Club gave us the loan to which was paid to the education company. This loan should be illegal. The APR is 32.34 % with payments at {$970.00} each month! We were advised by the education company to take out an extra {$6000.00} so we could focus on training and use the {$6000.00} for the first few month 's payments to Lending Club. We were told we should have a deal by then which would more than cover the loan amount. We were optimistic and hopeful. But we didn't get that first deal by then. Actually, we still have not gotten a deal despite trying very hard since that first day. Fast forward to XX/XX/XXXX and our worries of running out of money for such astronomical payments came to reality. We fell on hard times and could not pay the very large payments. We tried refinancing and no one would look at us because we had a good amount of debt plus Lending Club added to it and no personal home yet. After a couple months went by, were able to scrape up some money for payments and made one, then the next month we combined two payments together, and the following month another 2 payments together. I was able to log into our account and this company is taking our money and putting all of it to their super high interest, and not putting any towards the principle!!!! Plus they are still reporting to our credit bureaus that we are late as if we are not even making payments. Even tho we are in late status, we have still made 5 payments of {$970.00} each plus late fees, plus mailing payments overnight each time to ensure they receive by the appropriate dates. But the balance remaining has not changed since XX/XX/XXXX! Every time we call, we are met with what sounds like college aged kids and each time we call, we get a different story. We call every month and ask them exactly to the penny, what do we owe right now and they'd give us the dollar amount to put on the checks. We get the checks, mail them, then the following month, another young rep will tell me that we are NOT making enough payments, or we owe one more late payment when the last time, the last rep said we didn't. One rep told us if we made arrangements with them they would stop posting to our credit reports but that never happened. THey are ruining our credit, which is vital when trying to purchase homes for investing, like we are doing. My wife and I have a lot of debt besides this Lending Club, however, we have never missed any payments on all our other debts except once. We purchased our first home ( which is also our first investment home ) this past XX/XX/XXXX. We both had very high credit scores despite Lending Club debt -- mine was up to XXXX and my wife 's was somewhere around lower 700s. This is absurd. They are ruining us! They are highly unprofessional and a total mess with their accounting. We are losing sleep each night. We have XXXX very small children and are worried to death about how to fix this, and what options we have since this company has such out of control terms and accounting practices. We were so caught up in the moment and emotions when we signed for that loan and regret it so badly. Please help us with at least options to give us some sort of peace and closure to this nightmare.
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06/17/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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During XXXX of 2020, I, like many others, was laid off due to the Covid-19 Pandemic. I turned to my lenders to seek relief to prevent any debt from going into delinquency. Every lender promptly put in place measures to easily allow consumers to seek the information and relief they are looking for. My experience with Lending Club has been very frustrating and unacceptable.
Generic Info : Original Loan Amount : {$25000.00} Payment Amount : {$690.00} Term : 60 Months APR : 25.39 % It is worth to note that Lending Club didn't officially have a plan in place until XX/XX/XXXX and would basically dodge phone calls throughout XXXX by saying that you've reached the wrong department and would transfer you only to be routed back to the same department.
On XX/XX/XXXX, however, Lending Club finally gave in and offered a Covid-19 relief program. This was definitely relieving to see and I went ahead and applied through their website. The process at this point was fairly smooth. You answered a few questions and It gave you a 2 month payment deferment causing your loan term to extend also by 2 months. This makes sense as the payments basically get tagged on to the end. I able to defer my XXXX and XXXX Payment. My next XXXX date became XX/XX/XXXX and my new loan term was 62 months.
Here is where things went wrong. As XX/XX/XXXX approached, I logged back into my account to see if I could request an additional month or two on my deferment as I was getting news that I wouldn't be able to start work until XXXX. All of my lenders had additional relief for an extra month or two for those who were still impacted by the pandemic. Lending Club, did so in the most predatory and disgusting way possible. When logging on in XXXX, the same prompts appeared like they did in XXXX. Asked if you were still impacted. But THIS time, the disclosures stated that the two month deferment would add an additional SEVEN months of payments to the end of the loan and additional interest charges of over {$4000.00}. This is absolutely unfair and sick. I wonder how many borrowers were tricked into thinking the deferment was going to be the same as the first time where two payments meant two extra months added to your loan term. This is not what you call continued relief, this is an attempt to get borrowers to agree to a crazy and irrational deferment where two payments worth {$690.00} each in my case meant an additional seven payments due at the end of the loan for a total of a 69 month loan term. Also, no updated Federal Truth In Lending disclosures for the whole loan was presented.
60 Month Term + 2 ( First two-month Deferment ) + 7 ( Second two-month Deferment ) No Deal! I obviously did not accept this and felt bad for anyone who didn't read the disclosures thinking they'd be the same. I decided to call Lending Club and discuss this matter as I am still in need of relief. When calling, I spoke to a representative who couldn't explain why they were charging such a hefty fee this time around and offered no other option but to accept the crazy terms. I asked " how come the first time it was a simple 2 month deferment = 2 month loan extension, and this time its not? He couldn't answer or explain how it mathematically makes sense. As someone who originates auto loans for a living, I am well aware how loans work.
Throughout the entire crisis, Lending Club has been the worst. XXXX, misleading and probably illegal practices bring us here.
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05/14/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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In XX/XX/XXXX we applied online for a 5 year debt consolidation loan from Lending Club in the amount of {$33000.00}. At the time of approval the interest rate was 17.99 %. Even with credit scores in the mid 700 's. When we realized this would not be a good idea we were given no option to deny the loan before it was approved. The money was deposited into our bank account minus fees totaling over {$3000.00}. By the time the loan paid off in 5 years the total amount paid to them would have been over {$660000.00}. When we got our first statement we noticed the rate had change to 27.99 %. While applying for the loan it stated there were no pre-payment penalties. On XX/XX/XXXX we applied for a debt consolidation loan from XXXX to pay off Lending Club. We got the payoff amount of {$32000.00} from XXXX 's statement, such as we have several times in the past when paying off our other creditors. We were approved for the loan from XXXX with an interest rate of 8.99 % with no loan fees. The loan funded on XX/XX/XXXX. We assumed the loan was paid off until we started receiving robocalls from Lending Club on XX/XX/XXXX. There was no prior contact from them until that date. When there has been any issues with payments such as a lost check they conveniently didn't receive until the day after the check had been cancelled by our bank because the statement was made by a customer service rep they don't like to be paid by check, they contact you at the last possible moment to inform you there is an issue by robocalls. On the first attempt to contact them the automated system stated there was a balance owing of {$840.00} with a payment of {$70.00} due on XX/XX/XXXX, On the third attempt after speaking with a Rep the automated system recording had been changed to state the full balance owed of {$840.00} is due by XX/XX/XXXX. We have spent several hours on the phone speaking with different Reps who can't give us a straight answer as to why such a large balance is owed after we apparently paid off this loan. They all stated they didn't know this was a payoff. It was not our intent to have two loans. One with an outrageous interest rate. They have no supervisors you can speak with and during one conversation it was heard them discussing our loan and laughing about it. One Rep whom we have recorded the conversation with stated it was because they received the payoff check on XX/XX/XXXX and not on the XXXX, which was the loan payment due date, we owe interest for a whole month and it will keep accruing daily. She stated they had customers who missed their payoff by {$.00} and still had to pay a month of interest. This happened to a lot of their customers. We were told we should have used the payoff button on the website to get the payoff amount. To the best of our recollection we don't recall seeing any payoff button. If there is it is hidden and hard to locate. We can't verify any of this information because we can't access our online account. It has been closed. They state there is no issue with it and that we are logging onto the wrong page, which is untrue. When attempting to log onto the Member account Sign-in it brings up a page asking us if we want to apply for a loan. This leads us to believe our account was paid in full and closed when the payoff was received. We have never had this issue with paying off past creditors. If there was an unpaid balance left owing it was interest that had accrued daily not monthly.
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05/30/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am writing to dispute the following information on my credit report stemming from a Lending Club credit card serviced by XXXX XXXX XXXX.
This item : C MEDICAL PAYMENT DATA XXXX******XXXX $ XXXX/ $ XXXX/ Min {$360.00} Late Dates : XX/XX/XXXX 150+, XXXX-120, XXXX-60, XXXX-30 is inaccurate because after applying and being approved for the line of credit through Lending Club, I never received a credit card nor any correspondence with my account number in the mail.
My dentist placed a charge on my account in XXXX of XXXX by calling the financer and receiving an account number, but only after I had left the office and was under the impression the charge was placed on my XXXX account, which I had a card for. I then never received any mail from Lending Club with a bill and was not aware the charge had been put on there until applying for a home loan and seeing the late payments listed in my credit report on XX/XX/XXXX.
Upon discovering the discrepancy, my wife and I spent two hours searching our mail, email, and the internet to try to find a phone number to contact Lending Club. When calling the customer care line, we were transferred to a company called XXXX XXXX XXXX who services loans for Lending Club. That night we paid all the back payments on the account and tried to find out more information about why we had not received any correspondence from them. They only insisted that they mailed them and that we had to file a discrepancy with our postal service if we didnt receive them. The following morning, XX/XX/XXXX, we called back and paid the remainder of the balance on the account and requested that a letter be sent to us indicating that the account was paid in full. We were told a letter would arrive in 3-5 days.
When we did not receive that letter, we called back again on XX/XX/XXXX. At that point we were told that the letter would come in 7-10 days and that they would also send out a letter with our account number ( which they would not provide to us over the phone ), that would enable us to access the information in an online account. On XX/XX/XXXX we still had not received any correspondence and called again and was told that something was mailed on the XXXX and on the XXXX but they would take 7-10 business days. Finally, on Friday, XX/XX/XXXX we received a Welcome Letter indicating that we had been approved for a {$9000.00} line of credit from Lending Club and listing our account number. When trying to register our account we were denied access and again called. This time we were told that there was a freeze on our account due to a report of fraud and that the freeze would be lifted in 14 business days, at which point we might have access to our account.
On XX/XX/XXXX we finally received a letter indicating that our account has been paid in full along with an additional letter outlining the fraud investigation attached to our account. As the account has been paid in full as soon as we were made aware of it and as the billing correspondence was subject to fraudulent terms, I am requesting that the item be removed to correct the information.
Attached are copies of : 1 ) The Account Information Letter received on XX/XX/XXXX ( 6 months after applying for the line of credit ) 2 ) The paid in full letter for the account in question 3 ) The fraud investigation letter supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible.
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03/06/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received a Debt Collection letter from XXXX in California in XX/XX/XXXX. The letter stated Lending Club had turned over my account for collection in the amount of {$14000.00} which I owed to Lending Club. I contacted XXXX and asked why they had my account I had been paying my account.I was told they received the account from Lending Club to collect.
I was shocked it had been turned over for collection. I requested to have 1 payment moved on the account. I was in the process of getting a equity line on my home to pay off the account to Lending Club. I was not told it was going to collection. I thought my payment would be moved and it was handled.
I was told by Lending Club I needed to pay XXXX they no longer had the account. I verified the amount and told them the closing attorney was sending a check from the trust account to pay off the loan. I confirmed the amount and requested them to send me a receipt showing the account was paid and closed. I asked to pay Lending Club direct and I was told to pay XXXX and they would send the funds. I confirmed all these details XX/XX/XXXX and they agreed to furnish me a payoff letter and the amount.
I contacted XXXX on XX/XX/XXXX and spoke with XXXX and confirmed the amount ( XXXX ) according to their letter and confirmed this would clear the account with Lending Club and I would get my letter, she agreed and confirmed the details. I was told it would take 5-6 days for the funds to clear and post to my account.I should call back.
I called back XX/XX/XXXX and was told it had been paid and Lending Club would forward my letter and show the account paid.
I called Lending Club back in mid XX/XX/XXXX and they said " yes '' it's paid and they were working on updating my account and they would mail my payoff letter.
I called again on XX/XX/XXXX @ XXXX and spoke to XXXX . He was very nice and said he saw it was paid and would need a supervisor to help. I was on hold for a very long time, over 10 minutes. He keep coming back and apologized for the wait and said he needed a supervisor to adjust the account. Finally, he came back and stated that it was paid off. Then he informed me I owed another {$500.00} because of additional interest. I was very upset at this point! I explained the whole process and that I had follow their instructions to the letter, according to XXXX and Lending Club. I stated that I tried my best to work with them and they did not meet the agreement we had. I explained you can't accept my payoff and after the fact, decide you want to continue charging interest on a closed account. He put me on hold again. Then he lost the call. They didn't reach out to me again or call.
If this wasn't enough, they reported my account 30 days late after we had spoken and worked out the payoff!
I had my account for 2.5 years with them and was never late. They sent it to collections without notice, accepted my payoff, refused to clear my account, added XXXX and showed a 30 day late ... ..This is not how you do business. I told them I would not pay the additional XXXX they wanted to charge.
The account has been paid off. I want no further dealings with either company. All I want is my letter showing paid and the 30 day late removed. It should have never been entered.
I hope this can be resolved with your agency. I decided to contact you instead of posting reviews of how poorly these two companies handled this situation.
Thank you.
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01/16/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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Lending Club is not being forthright with what transpired one year ago during the longest government shutdown in our nation 's history. I know there are recordings of the telephone call I made which will document exactly what the representative informed me of and promised me. The details of that call are drastically opposed to what Lending Club now asserts.
LendingClubnow states, " We attempted to enroll you in the government shutdown hardship program. We provided details regarding the payment plan agreement in your online portal and have included a copy of the agreement with our response. As stated, monthly payments would be deferred from XX/XX/XXXX through XX/XX/XXXX as long as your account was in good standing on XX/XX/XXXX. Unfortunately, your loan was past due when the government shutdown began ; therefore, your loan was ineligible for the government shutdown hardship program. '' Let me breakdown the issues with this statement : # 1 : Lending Club claims that an attempt was made to enroll me in the program. An attempt was not made. An enrollment was processed. The representative even ended the telephone call telling me she was so happy she could assist as I was the first government employee she had spoken to who she had been able to enroll. Check the recording of the call. It will prove this is what she stated.
# 2 : Lending Club states it provided details of the payment plan agreement to the online portal. First, this did not happen. Second, I was never told it did. Third, it the attempt to enroll me failed, what payment plan was loaded to the online portal? This very statement is contradictory to what Lending Club claims.
# 3 : The statement " monthly payments would be deferred from XX/XX/XXXX through XX/XX/XXXX as long as your account was in good standing on XX/XX/XXXX '' is partially true. The fact of this statement is the Lending Club representative informed me that the monthly payments would be deferred from XX/XX/XXXX through XX/XX/XXXX. Period. That is all. There was NO condition placed on that deferment. None. Again, check the recording of the call.
LendingClub is now making false assertions about the context of what the telephone representative promised me and the fact that Lending Club retroactively removed such approval without notification is deeply troubling.
Every action I took from that time forward was based completely on the fact that Lending Club assured me that monthly payments would be deferred from XX/XX/XXXX through XX/XX/XXXX. Again, period. That IS what was PROMISED.
# 4 Lending Club states " payments made from XX/XX/XXXX to XX/XX/XXXX were not pre-payments. The funds received were applied to your past due balances ''. I have REPEATEDLY provided my payment history to document the inaccuracies of this statement. LendingClub refuses to acknowledge that documentation.
# 5 Lending Club states, " Once an account becomes delinquent, Lending Club makes efforts to contact the borrower, collect outstanding payments, and bring the loan back to current status. We attempt to contact borrowers using the email address and phone numbers that are provided at the time of application unless instructed otherwise. Lending Club attempted to contact you by phone from XX/XX/XXXX to XX/XX/XXXX. '' IF I was past due in XX/XX/XXXX as Lending Club asserts on my credit report, why was I not contacted until XXXX XXXX - XXXX XX/XX/XXXX??????? SIX MONTHS later!!!!
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03/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Because there are a lot of supporting documents that include letters explaining the situation, I will be keeping this initial complaint description brief. I have been making payments to Lending Club for a loan that was taken out in XXXX. Since Covid-19 began, Lending Club approved of a couple deferments on payments as well as lowered payments for XXXX and XXXX of XXXX. Due to a banking error, my payment for XXXX was returned and Lending Club made no attempt to put it back through. This resulted in XXXX being considered " late '', so Lending Club said the payment plan contract was broken. The day that I discovered my payment was returned to Lending Club, I reached out to them through email and I was told to resolve the issue over the phone. However there was no resolution to the issue. I decided to make another payment for the lowered amount that was due for XXXX. The Lending Club representative hung up on me after refusing to take my payment. I called again to make that payment and again I received resistance to my payment being made, but I was eventually able to make them accept the payment. At the time the payment was made, I was unaware, and never told by Lending Club, that my deferred payment for the month of XXXX, due and deferred before my lowered payment plan took effect, was reversed and due for payment. So my payment intended for XXXX went towards XXXX, luckily XXXX is not considered 30 days late because of this. But XXXX should not be linked to the payment plan contract anyways. According to my contract with Lending Club, the account " will be reported as past-due dating from the date you failed to make the first full regular monthly payment after you enrolled in the XXXX. '' With XXXX being a partial payment as granted by Lending Club 's payment plan, XXXX would be the first " failed '' monthly payment. That would not be XXXX because the due date and deferment were both before I enrolled in the program. Because XXXX XXXX deferment was wrongfully reversed, my payment intended for XXXX went towards XXXX. Had my payment went towards XXXX like it was supposed to, then XXXX would not have been considered 30 days late for the same reason that XXXX was not reported. I also made a large payment on XX/XX/XXXX before XXXX 's payment would be considered 30 days late. On XX/XX/XXXX I paid everything that was considered by Lending Club to be past due, yet they still are reporting me late for XXXX. I have disputed this with XXXX and XXXX and both have denied my dispute. I can not dispute this on XXXX because they have my account locked despite multiple submissions of the correct identity documentation that they are requesting. This XXXX issue is something I would also like fixed. I have even tried going through the XXXX XXXX XXXX to resolve this issue with Lending Club but this did nothing. And including the incorrect information already mentioned, Lending Club is reporting even more incorrect information to the credit bureaus. In addition they are also deferring from what they are contractually bound to do for a " late '' payment during the payment plan, that being the inclusion of XXXX in the payment plan. There are plenty of other issues that I have with Lending Club that are brought up in the letters I have previously sent to Lending Club and the XXXX XXXX XXXX, these are attached, and I would like for all of them to be investigated and addressed.
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01/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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Below is a timeline of events : On XX/XX/XXXX I rescheduled a payment of {$630.00} with The Lending Club and asked for it to be dated for XX/XX/XXXX because I was going to pay the loan off early. On XX/XX/XXXX the payment was debited from my account without permission, which resulted in me not seeing my children for the XXXX Holiday and incurring cost for hotel and rental car cancellations. I contacted Lending Club on the same day and made them aware of this issue, and spoke with a Supervisor named XXXX XXXX and she stated that she would put in a Service Request to have the funds returned. I called back on XX/XX/XXXX and spoke with XXXX who submitted a follow-up Service Request. This was done with the approval of her Supervisor XXXX XXXX. I spoke to an employee named XXXX on XX/XX/XXXX who advised me that the return was still being processed. On XX/XX/XXXX I called in to check the status as it was to be completed in seven days at which time I was told to call back on XX/XX/XXXX. On XX/XX/XXXX I was told that the payment was in my virtual wallet, and the reversal was approved and would be in my bank account the following day by XXXX XXXX. It never arrived and on XX/XX/XXXX I was told it would be another 3-5 days. On XX/XX/XXXX I made a payoff on the loan for the amount of {$8500.00} and this figure was verified by Supervisor XXXX XXXX. On XX/XX/XXXX XXXX XXXX told me that that I owed {$14.00} still and that an additional {$200.00} was left. I explained to him that this was impossible as they still owed me {$630.00}, and I verified with him the payoff amount the day prior. I also reminded him of our conversation where he assured me that any balance would be expensed. On XX/XX/XXXX I was told by Mr. XXXX that the {$200.00} was expensed, and the {$630.00} was still being returned. On XX/XX/XXXX a supervisor by the name of XXXX told me it would be another 3-5 days to receive my payment that was taken without permission. On XX/XX/XXXX I was told again that my credit wasn't showing and they would issue another service request, and the {$200.00} still wasn't expensed. As of XX/XX/XXXX I have received my {$630.00} back, although Lending Club is saying that I still owe them a payment in excess of {$830.00}. I had XXXX XXXX listen to the recorded message from XX/XX/XXXX where XXXX XXXX verified the payoff amount, and stated that he would expense any remaining amount. She called me back and stated that she heard the call and I was correct and she would have the account closed. XXXX XXXX, XXXX XXXX and their Director named XXXX XXXX had a conversation with an employee where they told her that I did everything correctly and they were at fault, but wanted her to still attempt to get me to make the payment. I have sent them bank statements as requested and have been cordial through this entire event. I have spent well over 40hours on the phone with this company and lost roughly {$1500.00} in expenses due to their incompetence. All that needs to take place is the closure of an account that I have completely satisfied yet its still showing up as late. Attached you will find a copy of the loan status as showing late, and a conversation with an employee that was present at the meeting with the director as she has been trying to help me get the situation resolved. All events are true and on a recorded line that the company has on file.
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05/19/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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This complaint is regarding the overall conduct of Lending Club during the COVID 19 pandemic, as well as their customer service and error rate when working with customers regarding payments. I think it's particularly important that this information be published online considering their acquiring of XXXX XXXX. Customers need to know exactly what they are in for if they choose this bank for lending/borrowing and other services.
I have two installment loans with Lending Club in the amounts of {$18000.00} and {$8100.00}. I've never missed payments and have been diligent about knowing the status of my note terms and payoff dates. My first issue with their service arose when I changed my due date to the end of the month to coincide my my other payments to creditors. I was assured multiple times by at least two reps that there would not be a double payment due to the change falling within certain parameters. I thought this odd, but having had it verified by more than one customer service rep, I accepted this. To my surprise, I started receiving collection calls from their internal collections department stating I had fallen behind. When I informed the collector of the situation, I was informed by her that she could clearly see the error documented in the notes and that she would have a supervisor call me that afternoon ( never happened ) and while the error was theirs, I still had to make the payment. I had to swiftly move finances around to come up with double payments on my loans very quickly, which caused significant hardship but I still did it to keep my credit rating intact. They also have had intermittent issues with technology properly reflecting your payments as they apparently ( or so I was told ) migrated over to a new payment system. Therefore, the data you would be seeing regarding upcoming and pending payments did not accurately reflect the status of your loans. These have not been isolated incidents ( misinformation from customer service and inaccuracies in the record keeping ), and I will never trust their customer service reps/online platform again.
Their response to the COVID 19 pandemic has been nothing short of disastrous. While my other creditors have proactively reached out to their customers to get a feel for their finances and ability to pay, Lending Club completely dropped the ball. In other words, great customer service. Lending Club was reactive, and their response came significantly later and no proactive outreach was made to customers until much later than my other lenders. It also took me sending a scathing email through their online portal to be offered a two month deferment on payments as I navigate a furlough and possible unemployment. This is obviously not enough given the economic circumstances and uncertainty facing customers as this pandemic will not be just " go away '' anytime soon. I will likely default on my loans if they do not offer additional concessions or options. I tried to email them, and I received a canned response advising to call. I followed this directive and made several attempts at phone contact, but I am unable to get through to a customer representative as they not properly staffed to handle call volumes.
I would strongly advise not doing business with this organization at all costs. There are other online lenders that likely treat their customers much better.
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02/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American |
I am writing to the Consumer Financial Protection Bureau to help me remove the Duplicate Tradeline that has been reported from Lending Club Bank to my credit file on XXXX. I have reached out to Lending Club Bank and XXXX regarding the Duplicate TradelinXXXX in my credit file by telephone and by filing disputes. Received a letter from XXXX stating that XXXX XXXX Bank sent a certification of this Duplicate Trade line account and it states that this account belongs to me reported on XX/XX/XXXX, which was opened up on XX/XX/XXXX. Which is not correct ( Please see Attachment of Letter Received from XXXX ). This makes the second time a Duplicate Tradeline has been added to my credit file with XXXX XXXX Bank XXXX XXXX. The first time this happened was on XX/XX/XXXX, when a duplicate trade line was added to my credit file from XXXX XXXXb Bank on XXXX. This took on a domino effect to my XXXX and XXXX credit report in which I lost points off my credit score due to this error and never received my points back. Since then it had been corrected but took months to correct the matter. With the Duplicate Tradeline being reported on my credit reports, it has affected my credit score which makes it hard to get more credit due to unitization being too high due to the inaccurate information thats being reported. I have filed disputes regarding the inaccurate reporting information in my credit file with Lending Club on balance owned and last date of payments, each time the results has come back stating that the data was updated and is completed. Even when you send in payment verification and last date of payment information. The information is still not updated and corrected! I have inquired with XXXX XXXX Bank regarding how account information is been reported to XXXX, they stated payment information is sent every 30 days but it is the XXXX credit bureaus that take up to 60-90 days before they actually update my credit file. When reporting is done, the information is not correct, and it looks like you are three ( XXXX ) months behind on your loan payments which affects your credit score. The amount of what you own and the last date of payment is not correct because of how the system is set up. To my understanding credit bureaus are to report every 30 days. But when it comes to reporting from Lending Club Bank and XXXX the reporting has not been done correctly, and something needs to be done regarding this matter. According to the system, our credit is our worth, it determines who gives you credit and how much interest you pay on that money that you borrow. This has become a systematic problem with inaccurate information that is being reported by financial institutions and credit bureaus. I feel like certain zip codes are been targeted due to systemic and institutional racism so that we have to continue to pay high interest on the money we borrow from financial intuitions by keeping our credit score low. I feel that XXXXmprovements need to be made on how financial intuitions and credit bureaus are reporting. I am extremely appalled that this has happened a second time within my credit file a XXXXuplicate Tradeline with Lending Club Bank has been reported to XXXX. Please see the attachments of the original loan documents and the duplicate TradXXXX line loan documents that have been reported to XXXX for Lending Club Bank.
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11/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
Older American, Servicemember |
Copy of this complaint also forwarded to the following : Attention XXXX XXXX, XXXX XXXX, Michigan GOP, & FTC I have had the most insane, time consuming and invasive experience trying to obtain a small loan from Lending Club.
I have been getting silicitions for months about my pre approval for loans to consolidate from Lending club.
I have a few credit cards that my grandson ran up 4 years ago from XXXX and XXXX. I have also recently settled a civil suit for {$30000.00} with XXXX XXXX in XXXX and am expected to get the Settlement check before the end of the year, ( 45 days from date of settlement ).
My attorney has also reached a preliminary settlement with XXXX and XXXX for less than 30 % as long as the full amount is received within 10 days from XX/XX/19 Therefore I thought is would be worth obtaining the remaining funds through Lending Club to resolve the XXXX and XXXX accounts ASAP and then use some funds from my settlement to pay off most of the Lending Club loan, I applied and Lending Club claimed they would do a soft pull of my credit, it was actually a hard pull. ( First confirmed lie ) In Lending Clubs response they implied that upon verification of my information and income I was Approved. ( This is the 2nd, 3rd, 4th,5th & 6th lie ) Lending Club requested 3 months bank statements, these confirm I deposit {$9000.00} to {$10000.00} every single month. ( I provided these 4 times. ) Lending Club requested my social security verification, I provided this 3 times.
Lending Club requested my entire tax returns including schedules a through e, I provided these and also all other schedules. I went further by providing a copy of my lease agreement verifying a 25 year lease worth over 2 million dollars, which pays me {$6600.00} on the XXXX of every month.
My debts and living expenses confirm to be less than 50 % of my total monthly income.
I also provided Lending Club with email exchanges with my Attorney and the settlement contract for the XXXX XXXX civil suit.
I have given Lending Club more financial information than I have ever provided any entity or financial institution, leaving my financial security very vulnerable.
I have had numerous phone conversations with different agents each time promising this was all the information and documents needed, Yet the next day I would get a request to resubmit documents.
My last conversation was on XX/XX/19, The agent reviewed all the documents and again assured they would not need more. Yet, the very next morning I receive another request for more documents. Each of these request NEVER specify exactly which documents. They provide a standard list. No clarity at all.
Its as if Lending Club is deliberately harrassing me for some unknown reason.
What I have also discovered is that XXXX XXXX sells my information to other lenders and DATA companies.
For instance my checking statements expose my spending and shopping habits, Lending Club takes this confidential information and sales it to Data collection sources. I believe Lending Club deliberately misleads potential Consumers to trick them into providing personal information for resale. Knowing full well there was never any intention to approve certain consumers for a loan.
NOTE : I have recordings of my last 3 conversations with these scumbags!
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02/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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Hello, I have had a personal loan with LendingClub, since. Since the loan inception it has been setup on Auto-Pay each month to be drafted on or near the XXXX of each month.
Due to a bank error from XXXX, the XXXX as well as XXXX, XXXX payments were not processed. This left a total of three payments of {$250.00} due plus a late fee of {$15.00} to be debited on the next bill date of XX/XX/XXXX or thereafter. I changed the auto=pay account to my XXXX account for future payments.
On XX/XX/XXXX, my account checking account was debited {$780.00}, which was the correct amount bringing my account current.
Then on XX/XX/XXXX, my account was debited, {$780.00} + {$520.00}, an unauthorized ACH and an over-payment of {$1300.00}.
Then on XX/XX/XXXX, the regular payment of {$250.00} was debited.
On XX/XX/XXXX, I noticed all these extra debits on my checking account and called LendingClub.
The representative, said it was his third day and had no idea on how to issue credits, and no supervisor was available. He would have to submit a " Ticket '', and a supervisor would call me back within 24 hours.
On XX/XX/XXXX, ( Ten Days Later ), I still had not heard back and no credits were applied to my account. I called in and during a 45 minute conversation I spoke with 3 representatives, they advised me that I would receive a partial refund and that a supervisor would have to call me back, but before the details were given the line disconnected.
On XX/XX/XXXX, my checking account was credited in the amount of {$520.00}, still eaving an over-payment amount of {$780.00}.
On XX/XX/XXXX, I still had not heard back from anyone and no additional credits were made. I emailed LendingClub support with my unresolved concerns, which they replied to on XX/XX/XXXX, only stating that my email address sent from didn't match my account, which it did, I replied again and never heard back.
Additionally, after speaking to XXXX bank about the unauthorized debits by LendingClub, they advised me to change the account number to an unused account I had that they froze, so no additional payments could be drafted until this matter was corrected, also on XX/XX/XXXX As of today 's date, nobody has called me, emailed me or even sent a letter, and I just found out that they marked my account as 30 days and then 60 days late and sent this to the credit bureau 's, despite having a credit, ( Over-payment ) balance on my account, With the {$780.00} credit still on my account, this would cover the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments and still leave a {$14.00} credit.
As a result of them falsely reporting the 30 and 60 day lates, 1 of my credit cards was closed by XXXX after a regular review, XXXX XXXX lowered my credit limit and XXXX also lowered my credit limits on two cards and raised the interest rate.
This all occurred as a direct result of LendingClub, refusing to return my calls or emails, fraudulently debiting my checking account and then not applying these unauthorized funds to my account.
I respectfully request your assistance with this matter because LendingClub continues to falsely report information and appears to write there own playbook, not following the law and consumer protections in place.
Thank you, XXXX
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08/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
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|
Web |
|
Good Afternoon, I have been in contact with the Lending Club since Monday XXXX XXXX regarding a full refund of a loan that was prematurely given to a dental office before service had been completed. The loan was for {$2900.00} was thought to be ok. I had some minor work to prepare for the Dental Implant that the loan was applied for and gave the dentist office {$1000.00} payment to cover those services. A few days later I received a denial letter in the mail, so I was thinking I had to come up with another plan to cover the Implant in 4 months after my jaw and gums heal. After the dentist office broke my trust lying about a secondary grant that I had tried to apply for I called off all services with this dental office. I asked for a final Bill and found out on XX/XX/21 that the Lending Club had already released all the funds to the dental offices. When I asked for the funds to be returned the Dental office presented a Fraudulent Bill that was highly inflated so they can pocket my money with no regard to my original treatment and actually was was performed XX/XX/21.
XXXX and XXXX at the Lending Club are also failing to recognize what was done and acknowledge the Fraudulent bill from the dentist office. There has to be protection and verification that the funds released are what was actually performed on the customers side before releasing of such funds. I didn't worry about this at first because of the denial letter received in XXXX, but the whole time the dentist office had my funds.
The Lending club is refusing to give me a full refund after review of all the documents presented to them and refuse to question the dental offices integrity that the do business with on a daily basis because these offices steer loans an large amounts of funds to the Lending Club and I am only one little number.
Uploaded ( attached ) is a copy of my treatment plan for which I have XXXX done, XXXX XXXX, and a iXXXX XXXXl. All service are covered by my {$1000.00} prepayment for a total of {$850.00}. So the Lending Club should be demanding the complete amount of {$2900.00} back from there respective business partner. I should not be caught in the middle and this clearly should have broken some consumer protection laws with the way this has been handled. Again a was send a Letter ( attached ) of denial from the Lending Club so no funds should have ever been sent to the dental office and they should clearly be responsible for getting the funds back.
Secondary, some more consumer laws are probably broken for not verifying the invoices or paperwork turned into them is not Fraudulent but is what the customer actually got done if they are to release funds on future customers. They have a lot of consumer complaints on the Web ( XXXX ).
Finally I feel as though I am in the middle of some sort of Predatory Lending Practice that there is not fix for and the Lending Club is allowing there business partner to Steal Money from me on Lending Clubs behave. I am ultimately responsible for my credit score and Lending Club, not verifying services and releasing of funds either before or after getting a denial letter ( attached ) These practices are not consumer friendly and I need a full credit to zero out my loan.
Thank You
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09/07/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
|
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Web |
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To whom it may concern : XXXX XXXX is acting in a dishonest and unscrupulous manner. The bank appears to be actively engaging in a campaign to keep my money. They are inventing reasons and excuses to hold onto my money that boarders on extortionary practice and blatant greed.
On XX/XX/2021, I opened an online rewards checking account with Lending Club Bank formerly XXXX XXXX. The account had been funded initially with {$100.00} and subsequently in increments of {$1000.00} postal money orders. I sent initially {$1000.00} and then {$2000.00} at a time ( See attached receipts ). The money orders were all sent certified mail ( See attached certified receipts ). The account now has a combined total of {$5100.00} deposited in it.
On I XX/XX/XXXX, I tried to access my account and discovered that I was unable to do so. I contacted the bank immediately and inquired as to why I was unable to get into my account. I was told that my account was locked, and I needed to provide proof of the purchase of my money orders. Why open the account then deny me access. On XX/XX/XXXX, I sent the bank an email with attached proof of purchase, the receipts.
After the proof of money order purchase was provided, the next request by the bank was that I provide a government issued ID to them. I sent an attached copy of my Social Security card on XX/XX/XXXX. I also informed the bank that I had no further ID to give them and that I had been verified since the account was opened, and each time I contacted the bank I was verified. Each time I provided the requested info, I was tolf it would be sufficient by the various bank employees, XXXX, XXXX Each person I spoke with at the bank subsequently requested and demanded a different set of required information. The requests escalated from receipts to government IDs and creative falsely invented reasons and excuses. On both XXXX XXXX and XX/XX/XXXX, I XXXX and other bank employees and requested that my account be closed and a check for {$5100.00}, the entire amount contained in my account be mailed to my verified address on file. My requests were made over the phone and sent as emails to both : XXXX XXXX XXXX one of the managers of the bank.
I spoke with XXXX on XX/XX/XXXX, XXXX and XX/XX/XXXX. AKA XXXX who has used multiple names in our communications claims that my request is up for review. Mr. XXXX has refuse to honor my request to close my account immediately and issue me a check for the balance contained in my account ( {$5100.00} ) thus closing out the account.
I have spoken to a number of different bank employees who have consistently invented excuses and reasons not to close my account and return my money. On XX/XX/XXXX, XXXX told me an account can not be closed unless it has a XXXX balance. Well if I am issued a check for the remaining balance as I have been requesting then of course there would be a {$0.00} balance in the account. Then XXXX told me that you can not close a locked account. As stated previously, employees appear to be making up rules as they go along.
I am asking that you contact the bank on my behalf and have them give me my money for the remaining balance in my account {$5100.00}. Thanking you in advance.
Sincerely,
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07/28/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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**PLEASE REVIEW CAREFULLYLOOK AT DOCUMENTS ATTACHED!!!
On XX/XX/XXXX LendingClub falsely reported to the credit bureaus that my account was 120 days past due and charged off. On that date, my account was current. Any and all past due payments were cured on XX/XX/XXXX when LendingClub withdrew {$3000.00} from my XXXX account ending in XXXX.
My monthly payment on the loan was {$950.00} and payments were due on the XXXX of each month. The XXXX XXXX ended with LendingClub reporting that all payments were made as required. Between XX/XX/XXXX and XX/XX/XXXX, LendingClub withdrew a total of {$8800.00} from my XXXX account ending in XXXX, which accounts for nine ( 9 ) monthly payments. The withdrawals were on : XX/XX/XXXX -- {$1400.00} XX/XX/XXXX -- {$1000.00} XX/XX/XXXX -- {$2300.00} XX/XX/XXXX -- {$1100.00} XX/XX/XXXX -- {$3000.00} Additionally, in early XXXX, prior to the XXXX withdrawals from the designated Chase account that was on file with LendingClub, the company withdrew payment from another of my bank accounts. My account was reported as current in XX/XX/XXXX.
Later as shown above, by XX/XX/XXXX, another {$4100.00} was withdrawn from my account, which represents four months payments subsequent to XX/XX/XXXX ( when the account was current ). Therefore, my account was not 120 days past due on XX/XX/XXXX when LendingClub reported it as charged off. In fact, as of XX/XX/XXXX, my account was current and in good standing. Hence, on XX/XX/XXXX, when LendingClub reported to the credit bureaus that my account was 120 days past due, they provided inaccurate, misleading, and damaging information that is contradicted by evidence. See attached bank statements.
I had previously contacted LendingClub directly regarding their failure to accurately report my payments and on XX/XX/XXXX they represented to me that they had send the changes to the credit bureaus. See email attached. Obviously, they did not. They mislead me to believe that they had corrected their blatant misrepresentation. Furthermore, many payments were made to LendingClub after XX/XX/XXXX, yet they did not report any payment to the credit bureaus. LendingClub has misrepresented my payment history to the credit bureaus and has caused me harm. Their practice towards me has been Unfair, Misleading, Discriminatory, Deceptive and Damaging.
I hereby request that LendingClub : ( 1 ) provide me with an accounting ; ( 2 ) cease and desist their unfair, deceptive, dishonest, discriminatory and damaging practice towards me and provide accurate data to the credit reporting bureaus regarding my account ; and ( 3 remove this account from my credit report that is plagued with inaccurate information and that has caused great harm.
LendingClub should take responsibility for their error and the harm that they have caused economically and emotionally. As long as I continue to be harmed, I will continue to report this to all the appropriate Agencies and the New York State Attorney General until action is taken again LendingClub. Again, I implore the CFPB to thoroughly review and investigate this matter. Many consumers are affected by LendingClubs unfair, deceptive, and misleading practices.
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03/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
I made multiple attempts to pay my balance online after Lending Club failed to process payment for XXXX. After receiving communication from them that they hadn't received my payment, I made an attempt to make payment via their online system. I kept getting system errors regarding submitting the payment. Frustrated by the entire ordeal, I called their customer service line and was on hold twice before the call was disconnected. This happened again when I called back. After this occurred multiple times, I decided to try again the next day. When I attempted to call the next day, I received a message that their systems were down for maintenance and customer service was unavailable.
I was able to log on to the online payment portal to attempt a payment but kept getting errors after errors when trying to submit it. Mind you, this was XX/XX/XXXX, and I was trying to resolve this and pay before the next due date arrived. I tried calling again on the XXXX, but still got the down for maintenance message. I went on their website again and saw where it was stated that their systems would be down for maintenance until after XXXX pm XXXX on XX/XX/XXXX. I still attempted to log in on XX/XX/XXXX to submit a payment for that day. I kept getting errors again before eventually being able to get the payment submitted. The following day, XX/XX/XXXX, was a Sunday and their offices were closed.
I called Lending Club first thing the next day on the XXXX to talk to customer service about the payment and the issues I had with submitting it. The operator stated that he did not see the payment and that my account was delinquent and I needed to make the payment to bring my account up to current status. I explained to him that they had failed to collect my payment and that I had been trying to no avail to make the payment so that my account would be current. The operator admitted to me that they had been having issues with their payment processing system and that many customers had been complaining about the same issue. He told me to make the payment over the phone and reassured me that I could submit the dispute for the late payment through the lending club collections team and that it would be removed from my reports. I submitted the payment over the phone.
He also told me that the payment that I attempted online would not process even though on my end it said pending. The following day, I get a notification from my bank stating that Lending Club had attempted to process the payment. So they tried to collect payment twice after it was paid and I still have a missed payment on my report after being told it would be removed due to the payment system error. I was given wrong information both times and penalized for their errors.
I have had this loan since 2019 and I owe about {$1900.00} or so dollars on it. I am working hard to pay off the remaining balance on it early so that I can be done with them once and for all. I have always paid the balance on time and have never been 30 days past due. I want Lending Club to honor what they told me they would honor and remove the late payment off of all XXXX of my credit reports as this was no fault of my own.
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09/01/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
This is a complaint against LendingClub.
Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, California XXXX Customer service : XXXX ( XXXX ) XXXX Back in XXXX, I rolled over my Traditional IRA money to Lending Club - a P2P lending company for investment purpose. Later I also created a XXXX IRA account with additional contribution. Then in XX/XX/XXXX, they discontinued their business.
Since then, I have been contacting Lending Club, requesting to transfer my IRA money to XXXX or elsewhere. I contacted them many many times, through emails and phone calls. They have been ignoring my request for more than 6 months. They never provided me an option to transfer my money directly to XXXX.
I even tried to initiate the transfer from XXXX side. However, because Lending club does not cooperate, such transfer can not be completed. For more than half year, they kidnapped my money and I simply could not get my money back.
I talked to their customer service rep from XXXX to XXXX this year many times. They repeatedly create case numbers, but never get back to me trying to resolve it.
Their strategy is completely ignoring any complaint, by pretending listening to me first and then put it behind. I believe there are a lot of other individual consumers in the same situation like me. But the problem is that we could not find each other and unite.
Therefore I had no other choice but to contact some regulatory organization.
On XX/XX/XXXX, Lending club responded by staing that '' We provided an opt out deadline of XX/XX/XXXX in this email communication. Due to not receiving a request to opt out of the transfer to XXXX your investment account was moved to the new custodian '' This is a liar. They never told me I can opt out and refuse to accept XXXX. I never agreed nor authorized Lending Club to hand over my money to XXXX.
1. I never received the notice of " opt out deadline ''. You failed to notify me my options. Without knowing such option, how can I take an action to opt out?
2. Furthermore, since the beginning of the year, through numerous calls ( as well as emails requesting info without getting any response for more than 3 months ) I clearly asked for " what are my options '' and never got a response instructing me I could choose opting out.
3. All I got are many emails asking me or prompting me to activate my account with XXXX. I never clicked such link to activate.
4. By not activating my account with XXXX for so long time, it clearly indicates that I refused to be with XXXX and I made a choice of opting out. Therefore my money is still with Lending club.
5. You can verify that as of today XX/XX/XXXX, I still have not activated my account with XXXX.
I used their platform to invest my money because I trusted them. Now they hand over my money- without my consent- to someone who is going to rip me off and make it difficult to transfer my money. This is unacceptable and unprofessional.
Considering all the above 5 points, I request to transfer my money directly to XXXX without going through XXXX. This is my basic and fundamental right.
Please help me to get my money back.
XXXX XXXX
|
01/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American, Servicemember |
On XXXX I received a check from XXXX XXXX in excess of the pay-off amount of my load with Lending Club XXXX The check was mailed that day to the address provided by their web-site for payments. At this time I also called L.C. and informed them the check was on it's way, gave them the check number and the amount, which exceeded the balance due on this date. All their calls are recorded. They told me that I should call back in 5 to 10 days to check the status of they payment. On the XXXX of XXXX. I called back and learned that during the period my check was in transit L.C. changed it's address and that it would take another 8 to 10 days before they would know where the check was. Even though I was in constant contact with them I still received collection calls and voice messages from them daily. On XXXX I called them again and ask them to stop harassing me and recapped everything I had previously spoken to them about. I also asked if I should have the check canceled and send a new one to the correct address and I was told not to. They said that they placed my account on hold and no late fees or penalties would be assessed back to the date the check was issued once they received it. On XXXX I called again and went through everything with them one more time they threatened me with reporting to the credit agencies that my payment was past due over 30 days if they didn't receive the check soon. At this time I reminded them they had made a promise to not do that, there would be no late fees or penalties and that since my account was on hold they would not report anything. I offered to have a new check processed by XXXX XXXX and have it overnight shipped to the address of their preference ( that address was, XXXX XXXXXXXX XXXX # XXXX, Lending Club Corp, XXXX XXXX XXXX XXXX, CA. XXXX ) The New check was mailed that day next day air and the previous check was marked as stop pay. Today I received a notification that my credit score had changed, when I checked it had taken a plunge of over 120 points. I looked to see what happened and it was because Lending Club reported to the agencies that I had missed a payment and was over 30 days late. Exactly what they said they wouldn't do. About a week ago ( XXXX XXXX ) I received an email from L.C. saying that they wanted thank me for paying off my loan and that they balanced their books to find they were returning over {$8000.00} because there was extra money. I replied to their email immediately telling them that was impossible that one check was canceled and another one was sent and they needed to recheck their books. I never received a reply. After I received the hit to my credit score I logged into my old account and they have disabled my ability to make any actions, however they are saying that I still owe them over {$35.00} and there is no way to pay them unless I call and speak with someone. I next spoke with my contact at XXXX XXXX who informed me that L.C. did in fact cash the check on XXXX but they also tried to cash the canceled check too. I have requested to find out what day L.C. tried to cash that first check.
|
07/12/2019 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
I have 2 accounts with LendingClub, one acitve, the other paid off early and in full. I began experiencing problems with LendingClub and neglience with the payment processing services back in XX/XX/XXXX. LendingClub offers a 15 grace period and on XX/XX/XXXX, I called and extended my payment to XX/XX/XXXX. Due to LendingClub 's Representative 's error, my account was still debited on XX/XX/XXXX and this negatively impacted several other payments.
To my utmost surprise and disbelief, the same issue occurred on my secondary account on XX/XX/XXXX. After calling to have the payment extended to XX/XX/XXXX, my account had an unauthorized debit from LendingClub on XX/XX/XXXX which again had a negative impact on other scheduled payments. Both times after contacting LendingClub, they apologized and acknowledged that it was Operator error on their part ; that automatic payments had not been disabled and there was a {$70.00} refund of fees received because of this. Due to LendingClub 's continued neglience in the area, I requested to have my automatic payments disabled and agreed to call in monthly to make future payments. Depending on a 30 or 31 day month, I have always contacted LendingClub by the XXXX or XXXX at the latest to schedule the previous month 's payment within the grace period timeframe.
Today, XX/XX/XXXX, when I called to schedule my XX/XX/XXXX payment which is still within it's grace period ; I am informed that my account has been turned over to XXXX, a collection company for non-payment. I am told that my XX/XX/XXXX payment had not been received and that on XX/XX/XXXX, my account was outsourced. I am absolutely stunned and grossly object informing XXXX, the LendingClub Representative, that my payment had been scheduled on XX/XX/XXXX for XX/XX/XXXX. I was told by the Representative I spoke with on XX/XX/XXXX, that the earlies my payment could be processed was XX/XX/XXXX because of the hour that the payment was scheduled, but that it would indeed be on-time. I informed XXXX that I had received no notice of a problem with my payment from LendingClub either in writtin or verbal form.
After a brief investigation, XXXX informs me that the payment could not be processed due to incorrect account information inputted in the system. I am currently awaiting a call review which I am told I will have no access to for verification purposes. I am 100 % confident that this is LendingClub 's Operator error once again, especially because I know that I asked to have the information verififed multiple times. XXXX informs me that there are notations about multiple call attempts where no message had been left. I requested the number that would be calling me and she was unable to provide that information stating that it would probaby be auto-dialers. I was told messages would not be left for my privacy. I responded that if I have no written communication on the matter, no verbal notices that I could respond to, and the company is using numbers that are automatically identified as spam and rejected, there is no true effort to communicate with me.
|
01/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
I want to start by saying that we went into a legally binding contract to purchase a home based on information we were told and confirmed verbally, multiple times, on a recorded line with Lending Club. Here is what happened, from the beginning : Due to a drastic reduction in income because of Covid, I contacted Lending Club in XXXX to ask for a deferral or reduction in payment. I was granted a 2 month reduction in payment. My wife tried multiple times to make the payment online with no luck. We received a phone call on speaker phone to ask for payment. We were giving them our card information when we were hung up on by the company. My wife then tried calling back, only to be hung up on when attempting to make the payment. When she was finally able to get through to someone to make the payment, she was told she was one day out of the grace period, and our payment agreement was now invalid, thus resulting in a 30 day late payment to my credit. She begged them not to report late, explaining the situation and that she was calling to make the payment that she had tried to several times before that date. They were unrelenting, and even though she made the FULL payment ( not the reduced amount of the payment agreement ), they still reported it as 30 days late. We are now in a position where we are having to sell our home because of the continued loss of income. Without having the 30 day late payment removed from my credit, we can not get loan approval. Because of what we were promised by Lending Club, again this was app confirmed multiple times by my wife on a recorded line, we went into contract on a smaller, cheaper home. We are now at risk of losing that home because of the dishonesty of Lending Club. We have asked for copies of our recorded calls, to which weve been told thats against company policy. We have done everything theyve asked, including submitting letters to the Consumer Advocacy department via email, make follow up calls for the current status, submit a second letter to the Consumer advocacy department. It was XX/XX/XXXX when we were told they would remove the late payment and we would receive something from consumeradvocacy@lendingclub.com to confirm what we were told. We were told we would receive that no later than Monday XX/XX/XXXX. We received nothing. My wife called on XX/XX/XXXX for a status update. She was told to call back if nothing received by XXXX XXXX PST that day. She called back and again no update. We have since called back multiple times only to be told something different each time. Sometimes were told its still under review. Sometimes were told it wont be removed. Weve asked multiple times to be called by a manager. Though they claim theyve called me 10 times, I have not one missed call. I asked for the dates and times they called me and they said that information is not available. We are getting the runaround each and every time we call, and now it has come down to the wire and we need this issue resolved so we dont lose the home were in contract on.
|
03/11/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
I have had an open complaint since XXXX XX/XX/XXXX which Lending Club ( LC ) refuses to respond to. They also refuse to respond to numerous written communications I have sent.
LC has been less than forthright with information on multiple occasions.
In the winter of XXXX, during the longest government shutdown in our nation 's history, I called to arrange for payments to be deferred. LC now reports what transpired to be very different than what in fact did. I know there are recordings of the telephone call I made which will document exactly what the representative informed me of and promised me. I was told my payments would be deferred for XXXX, XXXX and XXXX YET LC has reported my XX/XX/XXXX payment as late to the credit bureaus.
LC now states, " We attempted to enroll you in the government shutdown hardship program. We provided details regarding the payment plan agreement in your online portal and have included a copy of the agreement with our response. As stated, monthly payments would be deferred from XX/XX/XXXX through XX/XX/XXXX as long as your account was in good standing on XX/XX/XXXX. Unfortunately, your loan was past due when the government shutdown began ; therefore, your loan was ineligible for the government shutdown hardship program. '' # 1 : LC claims that an attempt was made to enroll me in the program. An attempt was not made. An enrollment was processed. The representative even ended the telephone call telling me she was so happy she could assist as I was the first government employee she had spoken to who she had been able to enroll.
# 2 : LC states it provided details of the payment plan agreement to the online portal. First, this did not happen. Second, I was never told it did. Third, it the attempt to enroll me failed, what payment plan was loaded to the online portal?
# 3 : The statement " monthly payments would be deferred from XX/XX/XXXX through XX/XX/XXXX as long as your account was in good standing on XX/XX/XXXX '' is partially true. The fact of this statement is the LC representative informed me that the monthly payments would be deferred from XX/XX/XXXX through XX/XX/XXXX. Period. That is all. There was NO condition placed on that deferment. None.
LC is now making false assertions about the context of what the telephone representative promised me and the fact that LC retroactively removed such approval without notification is deeply troubling.
Issues have continued. LC began harrassing me for my XX/XX/XXXX payment yet I knew I had mailed it. I continually pressed LC about this. My account continued to be displayed as Past Due.
On XXXX XXXX, my check for the XX/XX/XXXX payment cleared my bank. I immediately contacted LC who denied it was ever received an encouraged me to pay again. I provided proof that it was received and suddenly my account was updated. LC purposely did not post my payment to my account in an attempt for me to pay again via telephone.
I have complained about this since XXXX XXXX with NO RESPONSE from LC.
|
01/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
-In XXXX, I called lending club to request a payout for XXXX to pay the balance under a new loan -Payout was sent out to Lending Club and received and processed the following day -I have had 1 other loan with lending club and paid the loan out the exact same way, I was curious as to why the loan had not reported as closed and called.
XXXX XXXX, I called Lending Club to find out why the account was not closed.
XXXX could not tell me how I still had a balance and I requested a detailed invoice showing how I owed the money- Stated he would email me an invoice- Never arrived XXXXAgent stated that he wasnt sure how or if I owed the payment XXXXAttempted to make payment that day but received an error message- confirmed through their action tracking XXXXNo invoice ever came and I called back and the agent explained why I still owed the 180.00 XXXXAttempted to make payment while agent was on the phone- still got error message.
XXXXAgent put in a work order to clear the error and I made payment that day- COnfirmed by supervisor during follow up call that work order cleared error in amount owed and ability to pay XXXXAgent stated that this has not been reported to the credit bureau- Recorded line Late XXXX XXXXGot a notice from my credit watch service of derogatory information.
LATE XXXX XXXXContacted Lending club on XXXX different occasions having them look at it. Lending club sent a retaliatory update to credit reporting agencies changing 30 days late to 60 days late -Though there were computer errors, agent errors, no contact from Lending Club stating I had a balance... I was informed that since they provided the correct payoff amount that any other errors by them would not have occurred making me solely responsible for the late payment.
- I am a XXXX XXXX XXXXXXXX XXXX in the XXXX. I have not made a late payment to anyone in over 20 years. Credit and non payment has ramifications to my security clearance and I take my credit seriously. I am within 3 months of retirement and this has put a hold on purchasing a home, purchasing land for non profit use to intriduce underpriveleged and inner city youth to the outdoors. I contacted an attorney and the best that they could come up with is the hard line and follow up retalitory update must have had some bias or prejudice of some form or another from a supervisor/ supervisors and could not understand why Lendingclub took this approach with me after acknowledgeing agent error, system error in not contacting me, system error in my not being able to pay over the phone or via the web and the only action that they maintain that they did properly was to give the proper payout. In my last call to them, the payout was 18 dollars in my favor due to the payment being transferred to them the day after the payout quote was made. No attempt was made to provide the 18 dollars back to me and the last supervisor that I spoke with stated that they would not forward it to their consumer finance division as they had already sent it twice.
|
10/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
I took the deferment option as identified in the CARES Act. I deferred my payment for 2 months ( XXXX ). I resumed my payments in XXXX and I noticed that my FULL payment was being applied ALL towards the interest. I emailed and called LendingClub for 3 days trying to get an answer. A supervisor tried to explain to me " what they meant '' by the email that I received, however, what the say in the email is the opposite for what they are doing. Below is the section of the email that I received regarding the extended payments : Extended loan term : The term ( length ) of your loan will be extended to account for any deferred payments and interest accrual. Interest will continue to accrue daily on your outstanding principal balance based on a 360-day year, resulting in an increase to the cost of your loan over time. AS you notice, this says that my loan is being extended to account for deferred payments AND interest. So when I asked the lender WHY they are applying my entire monthly payment to interest, they continued to try and explain to me " what they meant by the email ''. Effectively, they have broken the rules and regulations identified in the CARES Act. I AM being penalized to the tune of almost {$2000.00} because they have taken that amount from me and lined their pockets. There are no managers available and only supervisors. I asked for a full financial accounting, they refused. I should not have to pay interest on the front and the back when their email says something totally different. This is putting me in MORE of a bind as opposed to the intended purpose which was to HELP. This has been a nightmare, this company I predatory, they lie and deceive their customers.
This is and update to my original complaint. In review of my account, this company continues to apply MORE money towards the interest on the account that they should. Even after my payments were restored, they are STILL stealing money from me and this needs to be stopped. My interest payment should be going DOWN, yet for TWO months they stole my entire payment and applied it towards interest and on the THIRD month they continued to take nearly 80 % of my payment and apply it towards interest and that is NOT the intention of the deferment. HOW are you going to let them get away with this? If they are stealing from me, they are stealing from everyone else and SOMETHING has to be done about this. This is crazy that you allow this type of predatory lending practices. And on top of stealing my money up front, you are going to charge me interest AGAIN on the back end. BUYER BEWARE!! LendingClub is a predatory lender, they will steal from you in your face to line their own pockets and they could care LESS about the consumer. They should be sanctioned and shut down for taken financial advantage of people.
For some reason, this company feels like that dont have to respond to my compliant. I want something done about this predatory organization.
|
04/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
I have reached out to Lending Club via certified letter to rectify errors and discrepancies being reported on my personal credit report that Lending Club is reporting. On XX/XX/XXXX, a letter certified letter was sent to Lending Club formally to make the company aware of my formal notice my certified letter was received/signed for on XX/XX/XXXX. In my letter I requested information to be provided for validations made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. A response was received from Lending Club, however as when I pulled my personal credit, on the 31st day from when Lending Club received my certified letter. The company failed to and DID NOT furnish the credit bureaus with the required disclosure, with the period as required by law. Lending Club is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX. This clearly shows that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and also the Fair Debt Collections Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I therefore then notified Lending Club of this federal law violation in XX/XX/XXXX. Clearly the information being portrayed on my report is inaccurate. I then sent a follow-up letter on XX/XX/XXXX as a goodwill gesture to allow Lending Club to remove this item as they have violated federal law by not properly providing the credit bureaus with proper notice within the required timeframe, and I have the evidence of such, via certified mail receipts, Lending Club MUST NOW remove the items. I remind you again that this is clearly a violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
I have sent letters which are included as attachments. The actions that Lending Club must do now is remove these negative items on my credit report from all the credit reporting agencies including but not limited to ( XXXX, XXXX, XXXX, and XXXX ). This is the action that the company must do since Lending Club has violated federal law. I remind you that I have yet to receive a response from the company to validate the information they are reporting as they are required to by Federal Law.
|
09/24/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with cash advance
|
|
Web |
|
I completed an application and was approved for a personal loan with Lending Club on XX/XX/2018 for the amount of {$3000.00}. Before Lending Club was to deposit the amount into my checking account they had a simple verification process. This process seemed standard and included a few small deposits of less than {$1.00} to verify the account information. I did not receive these deposit amounts into my account in the time suggested and got an email notification on XX/XX/2018 that I had received the loan amount which was incorrect.
I promptly contacted Lending Club support to make sure that everything was done correctly on my account via their website support form. They told me to update my account info in my online account and I waited for further instructions or the deposit. I successfully received the standard test deposit of {$0.00} and a withdraw of the same {$0.00} on XX/XX/2018 but not the loan amount.
After a couple business days I contacted them again through their support form on their website. Lending Club support emailed me back on XX/XX/2018 and provided a temporary number at which to call them back. This number did not work shortly after we completed the phone call. I was instructed to contact my bank and get fax information for Lending Club support to use. I retrieved the information and gave it to Lending Club via their website support form.
I had no updates, after this, and again requested support via the Lending Club website support form again most likely around XX/XX/2018. Their support system emailed me back with a generic wiki message that had nothing to do with my account on XX/XX/2018. On XX/XX/2018, having heard nothing else from them, I returned a message to them directly emailing XXXX.
Lending Club support then contacted me back via email and we have an email chain from their message on XX/XX/2018 to XX/XX/2018. This communication was basically Lending Club support trying to contact my back and also myself contacting my bank trying to verify what happened and what transactions did or did not occur. I followed up with an email on XX/XX/2018 and have not heard a response or concern from Lending Club since.
In conclusion, I have not received the promised loan amount to date. We confirmed with my bank, XXXX, that they did not receive any deposits from Lending Club either into my account or into the possible alternate account that was the incorrect account number at the start. Lending Club keeps not being clear about what happened and their support is not adequate to solve this issue.
Again, my bank to be deposited into is the XXXX XXXX XXXX XXXX XXXX. Their support has records of the calls and the conversations about the Lending Club issue as well.
So that my personal credit is not affected by this, I have been making the automatic monthly payments to Lending Club even though I have not received the loan amount that I am paying for.
|
02/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
My husband and I had a loan with Lending Club which charged off around XXXX of XXXX. I contacted Lending Club in XXXX of XXXX to make arrangements to resume payment. I was advised that the debt had not yet been sold and that I could resume making payments. I resumed the loan with a payment in the amount of {$1700.00} on XX/XX/XXXX. I began a subsequent monthly payment schedule for the next 6 months at the amount of my original payment which was {$280.00}. I made these payments starting on XX/XX/XXXX until XX/XX/XXXX. When I set up the payment plan, I asked if I could schedule additional payments. I was informed that they could only schedule 6 payments at a time. I called back at the end of XXXX or early XXXX and scheduled a payment in the amount of {$560.00} which was paid on XX/XX/XXXX. I called back on XX/XX/XXXX and schedule a payment for the remaining balance which was in the amount of {$2300.00}. The payment was processed on my account on XX/XX/XXXX. At this time, the loan was paid in full. At the end of XX/XX/XXXX, I began receiving calls from a collection agency called XXXX XXXX XXXX XXXX XXXX. I advised them that the debt they were calling in reference to had been paid. The representative informed me that it had not been paid and maybe I had another loan. At the time, I reached out to Lending Club to try to figure out what was going on. The representative told me that I needed to speak with the collection agency regarding my issue. I advised the representative that the problem was that I had paid this loan off with Lending Club and that it was sold to a collection agency months after the payment was made. The representative acknowledged that she saw the payment, but insisted that there was nothing she could do. When I asked how I could go about disputing the information, she told me that they did not have a dispute process. I requested to speak with a manager and she stated that there was no manager available because she was working from home. She advise me that she would have a manager call me. I never received that call. After I spoke with Lending Club, I contacted the collection agency to see how I could dispute the item with them. The representative informed me that they do not have a dispute process. He advised me that the best they could do is not contact me, but that would not mean I did not owe them the debt. I subsequently received a notice from them with my loan agreement attached. I have also tried disputing this account 2 times with the credit bureaus and still Lending Club is refusing to correct the mistake. While I admit that the initial failure was mine, I did everything in my power to remedy the issue and make Lending Club whole. I am just asking for the same courtesy. I have been trying to get this matter resolved for 4 months with no success and an apparent unwillingness from Lending Club to correct their error.
|
02/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
I have had multiple contacts by email and phone ; some dates there are more than one call/email. I sent written notice, by email XX/XX/XXXX ( and a reminder XX/XX/XXXX ) that due to financial hardship, I would need to stop ACH payments, and payments would be sent by mail. I understand they had two days to honor my written notice to stop ACH payments. On XX/XX/XXXX, {$390.00} was taken from my account, so I promptly contacted Lending Club. During these contacts, I keep getting told different information, and as of today ( XX/XX/XXXX ), I have not received the funds back yet. They have sent me a bill stating I didn't pay XXXX, when that is not true ; they took the amount on XX/XX/XXXX after I sent my written notice to stop payments. I have had calls on XX/XX/XXXX ( where I was told I would receive it back by XX/XX/XXXX ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I decided to correspond by email after that, in order to support a more complete written record. Emails were sent back and forth on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I keep getting told different versions of their resolution ; they'll send it back to me electronically & you'll get it, oh wait - we can't send it back electronically because you stopped ACH ( & no way to reactivate it to have the funds sent back electronically ), we'll mail a check, the check was mailed XX/XX/XXXX, then still not received, you should have it by XX/XX/XXXX ; we mailed it XX/XX/XXXX, then generic responses indicating it takes time for mail to be received ... Yet I received a billing letter dated XXXX. I was told to wait until XX/XX/XXXX, then contact them again. As it was not returned by XX/XX/XXXX, I emailed again, and received a generic response. As of today ( XX/XX/XXXX ), the amounts that should never have been taken have not been returned. During these multiple contacts, Lending Club has no concern that the amount should not have been taken per my XX/XX/XXXX notice, and has not made a viable attempt to provide resolution. I indicated that as I have not received support and resolution, I would need to request help via filing complaints I have detailed notes of dates/times & content of phone conversations, as well as emails back and forth. I'm not even seeking the funds caused from lack of funds in my account ( causing overdraft fees from my account becoming overdrawn ). It has been over 4 weeks. I would simply appreciate Lending Club honor my initial email XX/XX/XXXX indicating that as I am having a financial hardship, return the original funds that should never have been taken from my account on XX/XX/XXXX. I was not able to find a way to attach all of the emails sent and received ; I can provide copies of these as needed ; if needed - please let me know where I can send them.
|
01/26/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
Hello Staff, As you read my experience, please let me know how to get this loan withdrawn.
I visited the location on you chose for me on XX/XX/20 only to be misinformed and bullied into a loan while I was under the influence of XXXX and other XXXX XXXX drugs.
1. XXXX introduced herself as a representative of XXXX XXXX XXXX, I had to stop the XXXX for this introduction.
2. I told her my annual salary is less than thirteen thousand dollars and I don't work full time.
3. She said she will take care of it, walked away from the XXXX XXXX and I resumed XXXX.
4. She interrupted the process again to state I was approved for a loan with XXXX XXXX or XXXX XXXX and XXXX is offering XXXX XXXX XXXX XXXX dollars thus the costs will offset.
5. I wasnt told my credit history is required neither did I grant her permission to do so.
6. I drank XXXX XXXX which the XXXX said will calm me down and check my XXXX XXXX to XXXX.
7. About five minutes after XXXX returned and told me XXXX awarded me XXXX XXXX XXXX XXXX dollars for treatment.
8. I couldnt celebrate because at that time I was really drowsy and wanted to go home.
9. The XXXX then informed me of a XXXX XXXX in my XXXX which is going to my XXXX and could lead to XXXX.
10. Two years ago I attended my Moms funeral only to learn that she was XXXX before her last days, this scared the heck out of me.
11. The XXXX also said that I must XXXX the XXXX today or the worst could happen.
12. I agreed, no cost was discussed.
13. I received XXXX XXXX in my XXXX XXXX XXXX.
14. Then the woman from the reception area asked me to sign some papers which I did sign based on her showing me where to sign but did not read anything or was the document explained to me.
15. Two days later I read the documents and realize the cost for work on my mouth ( XXXX XXXX for XXXX XXXX is XXXX XXXX XXXX dollars. ) 16. Actually I did not receive a XXXX but that was a form of deception used by XXXX.
17. I contacted LendingClub by email on XX/XX/20 asking for a copy of the application and an explanation of my approval for the Loan. She refused to provide me any document and suggested a phone call for me to verify my account.
18. I emailed XXXX XXXX from XXXX XXXX XXXX on XX/XX/20 asking for an explanation of the approval process but did not get a response.
19. I called XXXX on XX/XX/20 about XXXX XXXX, spoke to XXXX XXXX who informed me that my application is showing a annual gross income of {$0.00} but I was approved based on my credit history.
20. On XX/XX/20 I received another offer from LendingClub showing an increase in loan amount from {$11000.00} to {$14.00} and interest rate of 26.99 %.
21. On XX/XX/20 I was rushed to the emergency room at XXXX XXXX Hospital due to XXXX of the XXXX and had corrective work done on the same XXXX.
|
02/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
Lending Club Has Created Barriers to Consumers Receiving Basic Information about Their Loan Accounts : 1. I have a loan with Lending Club.
2. The loan was on autopay to a checking acct.
3. I closed the checking acct a few month ago.
4. I asked the acct. to be removed from autopay at the time, and it was.
5. I revoked permission for Lending Club to call me after receiving incessant calls, and Lending Club did stop calling me.
6. I called for a few months to make manual payments as well as sent in one check payment.
7. About a week ago, I attempted to update my bank acct. information online and the Lending Club website said it was down for maintenance.
8. On today, the account was two days past due.
9. I went online and updated my bank acct. information to new checking acct.
10. I also scheduled my monthly payment, which was two days past due, for today.
11. I wanted to see if ( a ) adding the new bank account information caused the autopay to be turned back on ; and ( b ) this caused a duplicate payment to be scheduled.
12. I spoke with XXXX in Member Support, who, said my account was on autopay ; and then, after allowing me to expend much time and energy explaining my questions to her, said she would have to transfer to another department, " Payment Solutions. '' 13. XXXX placed me on hold.
14. XXXX came back from hold and said it would be a lengthy wait time.
15. I asked why I was being transferred. I stated I had, in fact, wanted autopay to be turned back on. And so, if she was saying it had been turned back on, why did I need to be transferred?
16. She admitted she wasn't sure whether autopay was turned back on.
17. I asked for supervisor. Transferred to XXXX ( no ID #, said she was only XXXX ), a Manager in Member Support. XXXX said the autopay was not on, which means the previous agent was incorrect.
18. XXXX again said she could provide no other information about my account. She said that agents in that department " can't even see the number '' ( an internal number ) of the account when the account is past due.
19. I asked whether, as a general matter, if accounts are not on autopay, whether there would be a duplicate payment to a manual payment being scheduled. She said as a general matter, no.
20. I asked to cancel my payment, and she said she could not do so.
21. I said I had considered giving Lending Club new permission to call me, but that I decided, based on today 's experience, not to give such permission because they do not seem set up to provide productive communication to consumers.
22. Calling Lending Club today thinking you all would appreciate me wanted to have clarity and manage my account, and that I'd be able to resolve this in two minutes, was a big mistake. What a nightmare. You all ruined my Monday morning.
|
11/15/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
I requested a loan online and received a positive response the following day. Before receiving the response I emailed and called lending club to tell them I didnt want the loan after all as I had gotten a better one through my bank ( XXXX XXXX XXXX XXXX ). They told me it would take a couple days to show up and when it did I needed to call them back. I did so. They told me I would be able to use their 30 day policy for refunding the loan without any fees if I could keep it from getting to my bank. I told my bank. They werent able to do a stop payment on an ACH transfer so I called lending club and let them know. They told me that Id just have to get the money consolidated into my bank account and then give it back. I told my bank to do so. They did. The money remained in the account it had deposited into for a full 30 days while I repeatedly asked lending club through email and phone calls to take the money out. They kept telling me just to pay it off. I told them no I wouldnt because I didnt want it and they had a refund policy so they kept saying they would take the money out right up to that XXXX day, even sending an email to me saying that they had indeed taken the money out and this was a receipt for them having done so. Then I got a phone call from their payment dept asking me to pay them the first payment. I told them no I wasnt going to pay the payment but the money was in my account please take it out. They waited until the day after the XXXX day to tell me that the transaction had actually failed. They claimed this was due to insufficient funds and it was my banks fault. I called my bank. They told me the contrary. They said the transfer of funds had bounced back but that it was an issue with the lending club. I called and told lending club this and they said since the 30 days had passed it no longer mattered if I had intended to get the money to them and had made every effort at stopping the loan from coming to me, every effort at returning it, and been extremely patient for the entire month - now they have sent me a collections letter. I have tried everything in my power to handle this but it seems as if this is a scam.
XX/XX/XXXX XXXX $ transfer to XXXX accts Emails and phone calls to XXXX XXXX and LC XX/XX/XXXX Emails XX/XX/XXXX from LC to me acknowledging the cancellation Emails on all the dates following asking them to please cancel this loan and them acknowledging my attempt to cancel : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX for the hundredth time I dont want this XX/XX/XXXX receipt of collections letter from XXXX from Lending Club for the past due balance of XXXX XXXX This is a far greater amount than the original terms and apparently theyve been taking money from my bank account for payments as well.
|
11/14/2016 |
No |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
I took a loan from Springstone Financial now Lending Club in XX/XX/XXXX through dental office " XXXX '' in the amount of {$24000.00} for dental implants. When I signed up for the loan I was told that it is interest free for 24 months and after that the interest will kick in on the amount remaining in the account. In XX/XX/XXXX, I was charged {$6400.00} in my account. I contacted Lending Club and asked about these charges and that 's when they explained to me that these are deferred interest charges from the 24 months of their promotional plan that just expired that month. I had {$3300.00} remaining from the original {$24000.00} loan. I immediately paid this amount. I also disputed the interest charges ( {$6400.00} ) and asked to close my account. I was told that I will not be able to close my account until the disputed amount is resolved. I was also told that I do n't need to make monthly payments on this disputed amount until it is resolved. Since then, I am being charged every month finance charges ( {$160.00} for XXXX and {$190.00} for XXXX ) on amount that I 'm disputing and on the account that I ca n't close. These are very high charges that are unfair to me since I am in this financial position because the terms were not provided to me the day I signed up for this loan. I received a letter on XXXX from Lending Club rejecting my request to dispute these charges explaining to me that these are " valid ''. And that the plan information was provided to me in my monthly statement. The crucial information of " Deferred interest '' was never provided to me when I signed up for the plan for me to make a decision to take it or leave it. Also because I was not informed about this condition in the plan, I did n't not look for it in the monthly statement. I believe that I was tricked to sign up for a plan and was not made aware of its crucial condition and wo n't be able to withdraw from it if I saw it after the fact because of my dental needs at the time.
Quick search in the internet, I found that Springstone Financial ( now Lending Club or XXXX ) has lawsuits and CFPB Actions regarding the " Deferred interest promotional plan '' that I apparently was signed up for without my knowledge because of deceitful means used to promote this plan. In the CFPB action that I am attaching here with my complaint, Springsone was ordered to refund {$700000.00} in consumer relief to 3200 consumers as a result of the deceptive marketing and enrolment practices in its dental-service provider network. Springstone was also ordered by CFPB to reimburse and notify consumers affected by these practices. I am a consumer that is affected by this program and I am finding Lending Club action to pursuit me with these charges after CFPB took actions against them unfair and unreasonable.
|
01/02/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
I apply for an on line loan with Lending Club and was approved for an unsecure loan for XXXX at a fixed interest rate for 5 years with a payment of {$980.00} by the 15 of each month. I have been paying on this account for 3 years with a balance owed XXXX. Due to high medical cost for my wife and bank fraud on my checking account. I called Lending Club customer service on XXXX XX/XX/2019 after I paid {$980.00} for XXXX payment. I spoke with customer care representative to explain my circumstances with medical bills and if they had a hardship payment plan they said yes and we agreed to defer XXXX and XXXX payment and my XXXX and XXXX would be {$470.00} until I was able to catch up after the medical expenses were paid. I was told I would receive a confirmation email. Never received a confirmation email so I made a follow-up call and was told they did not make such an arrangement. I requested for them to check and see what was documented on my account. She stated sorry there was no documentation so I requested to have a supervisor listen to the recorded conversation and please return my call. I have never received a call from any of Lending Club Managers so I called XXXX, XXXX still no response on the payment agreement. Later I received a letter from XXXX XXXX XXXX XXXX XXXX to assist with my past due balances they stated I owe {$26.00}, XXXX. My concern is that Lending Club never mails or email out statements so you can track your actual balance so how would know what you actually owe? Now I have a third party involved but never was able to speak with a supervisor at Lending Club to discuss my payment plan and concerns over balance owed to date. Sent a Validation of Debt letter XXXX XX/XX/2019 to date never received payments paid should reflect 30 payments at {$980.00} last payment being credited XX/XX/2019. Note I was never offered " Lending Club to Beta Hardship Plans for Borrowers ''. I feel after having a strong payment history the representative or a manager should of made an attempt to assist me with their Hardship program not wait 120 days and make the loan a Write Off not allowing a payment plan they outsourced to collection agency XXXX XXXX that was unable to answer my validation letter under the Fair Debt Collection Act providing payments made and what is owed and to seize and persist all interest owed until investigated. This borders extortion to pay the debt what we say it is without a proper validation requested missing my 30 payments on the returned validation from XXXX XXXX. Any Judge in Virginia would concur this is not good business practice for a consumer undergoing a hardship or life experience. Just to provide a copy of an agreement and not meeting the validation letter request is concerning.
|
04/14/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
We are in financial trouble due to a combination of factors, including an unplanned job change that resulted in income reduction, and an eldercare situation in which my wife and I have become the sole caretakers of her XXXX old mother with no assistance ( timewise or money ) from other family members. Although we were not debt free to start with, these circumstances have greatly increased our debt ( both credit cards and unsecured loans ) ; while not large, used up the 401K and pension funds I had saved ; and prevented my wife from working due to caring for her mother. After my pension/401K money was used up we finally " hit the wall '' where our debts and living/eldercare expenses exceeded my income. I am not unwilling to pay our debts but need help doing so - I am entering into a Debt Management Plan with a non-profit credit counseling organization, which is helping me get reduced payments and interest rates from my creditors so I can pay them back over time. I chose this option because I do not wish to default on everything and enter into debt settlement ; neither do I want to declare bankruptcy. Nearly all my creditors are cooperating with my debt management efforts except XXXX. I took out a $ XXXX peer to peer loan with Lending Club in XXXX and was about halfway through the 60 month repayment period when all this came to a head. I still owe $ XXXX and the payments are $ XXXX/month, which is killing me as I try to tighten my belt and make this DMP work. Lending Club refuses to participate in the DMP. I have called them personally on several occasions and indicated I am committed to repaying my debt but that I need a lower payment to do so. The only assistance they have given is to push back the due dates to give me a little more time to get they payment together. Unfortunately under our present circumstances there is almost never {$360.00} available that is not needed for something else. I delayed the XXXX XXXX payment until XXXX and was able to pay it mainly because I had stopped paying my other credit cards in anticipation of the DMP. The XXXX payment has been pushed back to XXXX XXXX and as I am making the first payment into my DMP, I do not have enough funds to pay it. Likewise I am not sure how I am going to be able to continue the monthly payments moving forward. I acknowledge that I did agree to Lending Club 's terms, and was able to abide by them for 2.5 years, but things have changed and I am teetering on the verge of bankruptcy, which is not the most favorable outcome for either of us. I have difficulty understanding why Lending Club will not budge when my other creditors have been surprisingly cooperative. Is there any kind of help I can get short of bankruptcy.
|
05/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
In late XX/XX/2021, after being released from hospitalization due to XXXX related health issues, I discovered that someone had stolen hundreds of dollars from my checking account via fraudulent charges from XXXX. While hospitalized, I did not have my computer or phone with me, and this is the first time I became aware of these charges, which span XXXX and XX/XX/2021. After filing a dispute with XXXX for every charge ( all disputes were denied, without reason given, and the appeal was also denied ), I filed a fraud affidavit with my bank, formerly XXXX XXXX and now, Lending Club. I called to file the complaint and included all fraudulent charges and included some key facts ; 1. During the period in which I incurred the charges, I was either very sick at home or hospitalized ; and 2. The only XXXX product I have is my XXXX which I did not possess at the time of these charges. In fact, in mid-XXXX XXXX, I sent the phone to my insurance carrier since a damaged battery needed to be fixed. I did not receive the phone back until I was back from the hospital in late XX/XX/2021. These charges were all made from XXXX Applications, and, again, besides the XXXX, I do not own any other XXXX products. I filed two fraud affidavits for the bank under penalty of perjury on XX/XX/2021. I also sent screenshots of each of the 193 fraudulent charges that were charged to my XXXX account. I was told that it would take the bank up to 90 days to complete an investigation, but there would be provisional funds in my account within 10 days. Yesterday, I realized that my bank balance was {$.00}, I had not paid my phone bill and was unsure how I would feed myself for the rest of the month or get medication ( I do have an SSDI status, of which I informed the bank and am on a strict fixed income. ) I sent an email to the bank, as it was after business hours, to which I received no response. Today, XX/XX/2021, I called the bank and asked for an update. I was told that my claims were ALL DENIED and a letter was sent dated XX/XX/2021. I never received such a letter. I'm also curious as to how all 193 claims were reviewed and discarded within 48 hours! I asked the customer service representative for a reason, and she stated none was given. Further, she could not find a copy of the letter that XXXX allegedly sent to me. I am beside myself. I have had identity theft issues for years now, many of which your agency has helped me with, and I am sick of going through this. If I did NOT have the phone in my possession, as I again attested under penalty of perjury, how could I have personally racked up these charges? I need a resolution asap so I can buy food and my medication within the next few days.
|
06/14/2017 |
No |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
I have had a loan with Lending Club for almost 2 years. A year ago, our income dropped substantially and paying Lending Club on time each month became difficult. I called them ( a s I called all our bill compa nies ) and attempted to see if we could do a modification. My husband and I were trying to avoid bankruptcy, and they were not willing to help at all. We were told we would have to qualify for the new loan, which obviously we would not with our income drop. We were told to keep making our payment as is. I explained then, that we would try to make it each month, but it would most likely be late. When we moved, it was from the XXXX coast to XXXX . I updated my phone number and address with them. My family and I have been living with our family here and are " homeless '' so we have a XXXX XXXX , an d every time I call I have to explain that to them when they ask me for my personal address. We do n't hav e one .. . My actual complaint ( aside from them just being a horrible and heartless company ) is their collections practices. They are in EXTREME violation of the Fair Debt Collection Practices Act ( FDCPA ). Their attempt to call me when my loan is past due starts at XXXX . They will continue to call all day, every hour on the hou r 3-5 times e ach day. That is harassment, plain and simple. This morning ( XXXX / XXXX / 17 ) when I called to make my payment ( as I do EVERY month ) I notified the gentleman on the phone of the harassment and that I would appreciate him to note that it is against the law to call me before XXXX . He stumbled over his words and said he would just flag my account cease and desist, as if that would prevent any calls from coming to me. This would be fine if it actually worked. Not eve n 10 minut es after this conversation I received ANOTHER collection call. I would also like to note, in the past I have blocked the Lending Club number. However, the company must change it every few months as the early morning and frequent calls continue. We are struggling to make ends meet, and understand the need to collect. However ; harassment is NOT OKAY. I have repeatedly updated my contact info, notified them of where I 'm living, and they continue to call me before XXXX ( as early as XXXX ) and the calls come in every ho ur 3-5 ti mes a day. They change their number, so blocking them has done nothing. Complaining to them has done nothing, as they continued to call, and even flagging my account Cease and Desist did nothing as I received a call within 10 minutes of getting off the phone with them. I t 's unacceptable and I know I can not be the only person who is being harassed by Lending Club.
|
02/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
When I first purchased the Loan from Lending Club, I was told that if I make on time payments in the amount for {$650.00} 6 consecutive month 's I can then refinance at a lower rate. My Loan amount was {$15000.00} but was given {$14000.00}. When I did come back to them to refinance they told me that I could not get my payments lowered and I would have to pay the {$650.00} a month. I informed them that I couldn't make the payments but they didn't care. I informed them that I was not going to send anymore payments because I couldn't afford it. I then went through a debt consolidation company called XXXX XXXX XXXX ( XXXX ) of which I started paying them {$450.00} dollars to resolve my debt which I see they didn't help because Lending Club was part of the fee 's I was sending to the debt consolidation. Just recently, I received a citation XXXX XXXX form XXXX XXXX not knowing it was Lending Club. After, receiving the citation, about two weeks later, received a judgement after XXXX, XXXX stating I missed the court date and the judge was on the side of the plaintiff. I never knew about the court date. I did reach out to several lawyers, and gave them the case number which they didn't see anything in the XXXX data base. They only had one citation I had from another creditor whom I disputed charges. I reached out to my debt collection agency on XXXX XXXX regarding the citation and who XXXX XXXX was, and my debt collection agency responded on XXXX XXXX informing me of who they were but at that moment, the judgement was already filed. Per the debt consolidation agency they stated that my statute of limitation started XXXX and ending XXXX. I do not know what month in XXXX it was going to end. My account was frozen XXXX XXXX, XXXX in the amount of - {$20000.00}. I had to settle to get my account unfrozen. They are making me pay {$18000.00} due to court fees when the loan was {$15000.00} of which I owe {$14000.00}. So, how can that be when I paid them 6 months of {$650.00}. The numbers are not adding up. I dont feel XXXX shouldnt be made to pay any legal fee and pay the amount over what is to be paid. I feel that Lending Club had no license to lend money online. Since, theres a law suit why am I paying outrages amount of the money? Why should I pay for legal fees when I was not notified and there was not enough information the on the citation. Only, that they had my signature from online. I know that the signature they claim to have is mine. Its was not enough time for me to dispute the charges. I feel I was ambushed and treated unfairly due to the XXXX XXXX dollar lawsuit they had to pay to the FTC. I need to know what I can due to sue them.
|
03/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
Lending Clubs customer service representatives have misapplied three different payments that I made over the phone to my balance and not the payment due. Each time I have called to make a payment I clearly told the customer service representatives that I was calling to make a monthly payment. They would take the payment and then the following month I found out I was being reported as 30 days deliquent to the credit bureaus.
The payment system Lending Club has in place is atrocious. I have tried to resolve this with them countless times. The last call I had with a supervisor regarding this back in XXXX I was assured that the late reports would be removed from my account and that in fact I was now a payment ahead and not ever behind.
The supervisor informed me that they had reviewed the calls and they verified that every time I called to make the payment prior to 30 days late and clearly stated I was making a monthly payment but each time it was not applied that way and I was reported as 30 days late. I am so frustrated with the practices that they have had in place for payments. The supervisor I spoke to in XXXX not only assured me that the late reports would be removed but they also indicated that this was a huge training issue across the board and that Lending Club was in the process of changing the entire way they take payments.
This is my third loan with Lending Club : I have NEVER had a late payment until my identity was stolen and I had to close the account I made my automatic payments from. In XXXX of 2019, my identity was stolen and my checking and savings account were comprised causing things to overdraft and me eventually have to close the account all together. I contacted Lending Club right away and set up a new account to draft my payment from and was told it was all set. It wasnt until almost XXXX that I realized that the payments werent being taken out and was then told that they couldnt withdraw from a savings ( only after I called ). This was never told to me when I provided the account information. Once I discovered the payments werent being made I made a double payment in XXXX to catch up on the payments as quickly as I could and that is when they began to report me as 30 days late. I began making all of my payments by phone after that and this is when I realized that this was an on-going issue with Lending Club and it was done again in XXXX and XXXX.
I have written Lending Club letters on in XXXX, XXXX and XXXX. I have spoke for hours on the phone with representatives and supervisors and despite telling me it would be corrected it hasnt and it has been detrimental to my credit.
|
04/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
Servicemember |
I am down to the last 4 payments with XXXX, dba Lending Club Corporation, dba XXXX XXXX XXXX XXXX XXXX, dba XXXX XXXX XXXX XXXX XXXX.
When I switched from an ACH debit from my XXXX account to a PAPER CHECK from my XXXX checking account.
XXXX Bill pay has sent 4 payments to Lending Club Corporation, all have been returned as UNDELIVERABLE.
1st sent XX/XX/XXXX, for {$440.00} XXXX emailed me via my account " we mailed the check for the payment listed below, but it came back to us as undeliverable, we have placed a stop payment on the check. Please contact payee and update the address before resending.
I contacted Lending Club and I was told, " Your bank has to send a paper check. '' Which XXXX had indeed done.
2nd payment sent on XX/XX/XXXX in the amount of {$430.00} to the Lending Club Corporation.
XXXX advised me on XX/XX/XXXX that payment to The Lending Club Corporation, " We mailed a check for payment listed below [ Payment to Lending Club Corporation from account XXXX for {$430.00} ] But it came back as undeliverable. We have placed a stop payment on the check.
Please contact the payee before sending another payment.
3rd Payment to Lending Club Corporation Sent XX/XX/XXXX The whereabouts if the check sent from XXXX are unknown at this time. My account at XXXX shows the check was cut on this date and mailed, HOWEVER On XX/XX/XXXX I received a letter from a collection agency, XXXX XXXX XXXX XXXX XXXX in XXXX, CA XXXX The balance of the loan is in fact, {$1700.00} I researched the Office of Comptroller of Currency, U.S. Dept if Treasury and found that neither Lending Club Corporation, nor Consumer Lending Receivables XXXX XXXX XXXX exist in their data base.
I verified the address to the Lending Club as follows with a very rude man XXXX prior to making my payments via check : Lending Club Corporation Dept XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My Account number is : XXXX As a result of their phony address all the payments that have been made have been returned, less the one still outstanding made on XX/XX/XXXX. The whereabouts of this payment have not been returned to me neither has it posted to my account at the Lending Club Corporation to date.
The Lending Club Corporation Sent my account to collection only 39 days after the due date of my payment due on XX/XX/XXXX. The payment made XX/XX/XXXX was made on time, albeit returned by the Lending Club Corporation marked UNDELIVERABLE.
Now my account is in collection. The Lending Club Corporation does not answer their phone, XXXX is no longer linked to this Corporation, they are not registered with The Office of Comptroller of Currency???
|
08/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
To Whom It May Concern : I have recently been informed that there are negative information reported by XXXX XXXX XXXX in the amount of {$14000.00} with status of charged-off, amount of {$10000.00} with charged off status, amount of {$6500.00} with charge off status, amount of {$5500.00} with charge off status, XXXX XXXX with {$0.00} balance with 120+ late status opened XX/XX/XXXX, and Lending Club Corporation with {$0.00} balance with charge off status opened XX/XX/XXXX on my credit file they maintained under my Social Security number. I sent XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking to provided documented proof, bearing my wet signature, showing I consented to the inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I also asked XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation to provide me proof of the signed contract and copies of any documentation associated with this account, bearing my signature which they claim the account belongs to me. Furthermore, I formally asked XXXX XXXXXXXX XXXX XXXX XXXX, and Lending Club Corporation that In the absence of any such documentation bearing my signature, I formally request that the information be immediately deleted from my credit file they maintained under my Social Security number. XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation as of XX/XX/XXXX, still has not provided me with any documentation or contracts, bearing my wet signature, showing me proof that I consented to them running any inquires or having a contract with them for what they say belongs to me. I was told by XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation that they do n't have to show me any proof and that I heeded to take it up with the Credit bureau to get it removed. When requesting documented proof of the contract and asking to show proof I consented to having XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation run inquiries, bearing my wet signature, XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation sent me billing statement stating that this was verification I requested which is false and they said it was proof. I never asked for billing statement because that 's still not showing any contract or documented proof, bearing my wet signature, that they was authorized to run an inquiry or even prove the account is even mine. This is wrong and when I asked the question to where does it say in the FCRA that you do n't have to show me proof, they could n't tell me and only said that it was in FCRA.
|
12/17/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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Lending Club is an entity I borrowed from in 2016. I am paying off the loan early. I have been in email correspondence with them ( they won't correspond by US Mail ) and they are telling me the wrong things about what I owe if I pay early. I contacted them before and they said if I paid by XX/XX/XXXX I would owe some amount, {$1300.00} and something. I sent {$800.00} and they then said I owed {$700.00} something. Now they are telling me that when I sent {$800.00} toward early payoff of the loan they applied only XXXX to that payoff. They said 'since we are unable to apply monthly payments before your contractual payment date, we applied {$560.00} towards your principal balance and was ( sic ) holding your monthly payment and check fee to be applied towards your loan on your contractual payment date. ' They are not entitled to collect a fee because of my utilization of money orders to pay them every month but started doing that at some point. They were deliberately harassing when I used to call in payments and finally I quit fighting with them on that and sent money orders. They are obviously not entitled to hold part of my payment until 'contractual payment date '. Forget it. I am entitled to save on interest that would have been due if I had not paid early. They are pretending otherwise.
Please contact them about fact that they can not hold payments and pretend I still owe same interest I would have owed if not paid early. I am entitled to payoff early and save on interest. They are dishonest in their endeavors and have been for a while and this becomes tiring. They placed fees on my payments that they are not entitled to. You can rest assured they will advise you that their contract allows them to do something like that but of course they are not the courts, but they fail to comprehend this. I have dealt with the courts more than these kids have. If I have to report them to someone who will address criminal and/or fraudulent activity on the part of this institution I will do that. They have been a problem ever since I took that loan.
Right now, I need you to get it through their heads that they must deduct interest otherwise due when I pay early and can not 'hold the payment ' until the 'contractual payment date '. Get over it. This is one pathetically dishonest and poorly operated entity. When I owed XXXX something and sent XXXX, that means my remainder due was under XXXX. Not XXXX something. I have sent another XXXX and that should cover entire amount due. I will not hear them tell me I still owe beyond that.
XXXX XXXX, XXXX.
XXXX XXXX XXXX XXXX XXXX, New York XXXX
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03/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
Older American |
On XX/XX/XXXX, I went online to pay my bill and saw that they were offering a Deferment Program for people who had been affected by the pandemic and were having problems paying their bills. I called their office and was told that I could defer two months, but that they would be adding seven months of payments onto the end of my last payment. Seeing as I had no choice, I agreed. I had no money and was no longer working because of the NC Governor 's Stay-At-Home Order because of Covid-19. I questioned the seven months, but was told this was what they were offering. Seven months for two months of deferred payments.
On XX/XX/XXXX, I went online to see if another deferral was offered since I was still not working and had received no unemployment pay. They were offering another two months. I did not call the office this time, because I could do everything online. When I finished my application online, I submitted it. I was not told that there would be any additional months added to the end of my loan, and I was very relieved.
I began working a gig job in late XXXX, so in XXXX I was able to resume payments. I went online to check my status and was surprised to see that they had added an additional three months without my knowledge or approval. Instead of a 36-month loan, I was not at 46 months for four months of deferral during a pandemic. I called the office to question them about this, but they again said that this was the deal even though I knew nothing about it. I continued to make payments from XXXX thru XXXX thinking that I was making a dent in my balance.
In XX/XX/XXXX, I went online to see my current payment history and was shocked to see that only four of my ten total payments was documented online. I began calling their office to ask if I could get an email copy of my payments, but four times that I called, I was put on long Holds, then disconnected. I finally asked to speak to a manager, but was emailed a copy by an agent before she transferred me. I then noticed that five of the payments that I made in XXXX, {$400.00} each month, all went to interest. No money was applied to my principal. I understood now why agents were putting me on long Holds and then disconnecting. They probably found it difficult to try to explain five months of interest, over {$2000.00}, having been applied to my account. Once again, I knew nothing about this. If you have already added ten months to the end of my loan, why would {$2000.00} be applied to the loan at this time?
What this company is doing has to be unethical and that is why I am writing submitting this complaint.
Thank you.
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01/20/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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I had a loan from Lending Club in the amount of {$35000.00}. It has recently been charged off and now I owe around {$37000.00} to them.
My financial situation became dire last year due to some increased financial obligations to family members and house that we recently took over. Prior to these sudden changes, I had made XXXX successful payments on time with this current loan, as well as several on time payments with another Lending Club loan before I had it paid off.
Due to falling delinquent around XXXX of last year, I attempted to make several arrangements to catch up but fell short. As a result of that, around XXXX of last year the loan was referred to a collection agency called XXXX XXXX. I began working with them to establish a payment plan. I was able to commit to {$110.00} dollars or so over a 20 month period just to get Lending Club some sort of payment. I made XXXX payment in XXXX. When XXXX 's payment came around, I was advised by XXXX XXXX that Lending Club already charged off my loan. When I was told that, I was extremely upset and placed a stop payment on the XXXX payment as I got tired of getting the running around from them.
Every time I called Lending Club they they said I could n't speak to them and I needed to speak to XXXX. When I called XXXX, they could not give me any more details other than the delinquent balance.
Today is XXXX and I have sent XXXX emails and made several calls to Lending Club ( to which I finally got a call back ). I wanted to discuss settlement options with them to alleviate the balance owed as my credit score dropped to the XXXX range from around XXXX. The settlement option they gave me was over a 12 month period for a balance of about {$24000.00}. I told the representative on the phone that I fell behind on my monthly payment of {$1000.00} and for them to expect me to pay double that per month over 12 months was assanign. I had to ask the representative the following question twice, " how can a person who ca n't pay X, now be expected to pay double the balance at Y? '' I need assistance here for this matter as I 've never had a delinquency before. I am a single income supporting my wife and XXXX children and I want to make this right. To add insult to injury, I just got into a car accident last week and I feel my car might be deemed salvaged by the insurance company given how old it is. So my only form of transportation to work might be taken away, and now that I have a horrible credit score, I would n't be able to get a car lease or a loan to purchase a new car if I wanted to.
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07/05/2019 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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- I recently ( summer 2019 ) initiated a loan payoff from Lending Club 's website ( www.lendingclub.com ).
///// - I was given a clear payoff amount, with no disclaimers that this was not the preferred way to pay off a loan. I have screenshots to back this up.
///// - The payoff amount indicated that this would cover 100 % of what I owed Lending Club.
///// - The payment history on my account reflected the payoff amount, including interest, to the loan.
///// - When I logged into my account after the full loan payoff amount was posted, I was shocked to see an additional interest charge that meant my account was not closed.
///// - When I emailed and called Lending Club, they were adamant that I should have gotten a disclaimer indicating that paying a loan off online was not possible. Or that if it was possible, I should have received notification that the payoff amount was not accurate. I find this difficult to believe because : ///// - - 1 ) The agent gave conflicting information ( that it should not have been possible, and then that I should have gotten a notification that it's possible but not accurate ) ///// - - 2 ) The agent indicated that their " internal systems '' showed the correct amount, and that the web UI is not accurate. I find this alarming, and fraudulent.
///// - - 3 ) The agent indicated that the loan payoff amount was for principal only, and did include interest. This is false, as my payment history for the loan payoff amount includes a breakdown of exactly how much interest was included in the payoff payment.
///// When I submitted the payoff payment, I was given a congratulatory screen indicating that all was good, and that I had successfully paid off my account.
///// Lending Club has began to answer my inquiries by telling me that they are recording my calls and are from the " Debt Collection Department '', which seems quite aggressive considering I paid of a 3 year loan in under 6 months.
///// My opinion of Lending Club is that they are quickly headed down the path of predatory lending practices.
///// Additionally, in their help center online, they indicate that paying a loan off online is possible and includes interest.
///// > If you're ready to pay off your loan, congratulations! That's a big financial achievement. You can make the payment right from your account. The payoff amount includes your remaining principal balance and interest. Once you pay off your loan, you wont owe any additional interest and your monthly payments will end.
///// XXXX XXXX XXXX
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11/22/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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I was a loyal customer with Lending Club. A payment of {$680.00} was drifted from my account on the 27th of each month for almost two years, thus, I was never late with my payments on a loan of {$20000.00} I took out in XXXX of XXXX. However, last year I went through a divorce and on the advice of my attorney, I called my creditors, and explained that my income was now cut-in-half and asked if a hardship program was available. All of my creditors immediately enrolled me into all hardship program, all except for Lending Club. I was told by a Lending Club customer service representative that Lending Club did not offer a hardship program.
Today, XXXX XXXX, XXXX a representative from the debt collection agency hired by Lending Club called for a payment on my account. After I explained to her why I did not have the finances to bring my account current she asked why I did not asked to be enrolled in the hardship program. Hearing this, I was surprised! I explained to her that I had asked to be enrolled in a hardship program in XXXX, but was told that Lending Club did not offer a hardship program for its customers. After speaking to the debt collection representative I called Lending Club. I wanted to know why I was not enrolled in the hardship program when I asked back in XXXX. I was told by a Lending Club representative that recipient for the companys hardship program was selected electronically. I was also told that the debt collector should not have even mentioned the hardship program to me.
I truly believe that I have been discriminated against. I do not understand why the process of selecting customer for their hardship program was never explained to me. I do not understand why I was lead to believe that a hardship program was not available to me and I do not understand why the debt collection agency was not supposed to tell me about the hardship program.
Today, I am over 120 days late with my payments. My account has been outsourced and I owe Lending Club over {$2000.00} to bring my account current. Because of the late payments reported by Lending Club my once excellent credit has fallen below XXXX and I was denied the refinancing of my home, which I had hoped to get approved to finally pay off the Lending Club debt. I know if I was enrolled in the companys hardship program ( which I now know is offered to other customers ) all of the above could have been avoided. I want to pay my debt, but how can I do so, if I am not given the same opportunity as other people facing a hardship like myself?
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01/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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1. In XX/XX/XXXX, I took out Loan Number One for {$23000.00} from Lending Club.
2. In XX/XX/XXXX, I applied and received approval for Loan Number Two for {$14000.00}. It was my intention to use those funds to payoff Loan Number One because Loan Number Two had a better interest rate and a shorter term.
3. On XX/XX/XXXX, I received a direct deposit from Lending Club for Loan Number Two in the amount of {$13000.00} which represented the {$14000.00} loan minus a {$840.00} origination fee.
4. I logged into my Lending Club account to apply the {$13000.00} deposit from Loan Number Two to Loan Number One but the online portal would not accept payment due to what a Lending Club representative later told me was a " glitch in the system. '' 5. On XX/XX/XXXX or XXXX, XXXX I called Lending Club and told the representative the online payment portal would not accept my payment. I asked him if he could tell me the payoff for Loan Number One, and he informed me the payoff was {$14000.00}. I authorized him to withdraw {$14000.00} from my bank account on file with Lending Club to pay off Loan Number One.
6. The Lending Club representative applied the {$14000.00} to Loan Number Two, not Loan Number One as I had authorized.
7. When I discovered the Lending Club representative 's error a day or XXXXwo later ( after logging into my Lending Club Portal ), I called Lending Club. They researched my call with that representative to verify their representative made a mistake. After doing so and finding their representative made a mistake, they said it would take 5 - 7 business days to get a refund to me.
8. On XX/XX/XXXX, I received a {$160.00} refund from Lending Club. I should have received a refund for the entire origination fee of {$840.00}.
9. On XX/XX/XXXX, I contacted Lending Club to inform them that I did not receive a full refund for my {$840.00} origination fee for Loan Number Two. They informed me that I received {$160.00}, and that was my refund.
10. I believe I am entitled to a refund of my entire origination fee of {$840.00} because their representative made a mistake and took money from my linked account and applied it to the Loan Number Two without my authorization. Therefore, I did not get to use the funds for Loan Number Two for the purpose intended because Lending Club 's representative made a mistake. I should not have to pay an origination fee for their representative 's error of applying the funds to the wrong account and be out {$680.00} ( {$840.00} minus their {$160.00} refund ).
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08/17/2019 |
No |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
My husband passed away in XX/XX/XXXX. I contacted his bank to ask for a printout of the last 3 months in order to contact any accounts he had. I contacted Lending Club and they stated it was a joint account because I had signed for the loan. I absolutely did not. I had no knowledge this loan existed and would not have agreed to take out a loan from them. They sent my denial through the their fraud department. Their decision was that it was a joint account, therefore, I owed the debt. I asked for a copy of my signature but was told it was done by checking a box electronically. I asked for date and time signed and IP address of computer used. I was told all of that would be sent to me. Nothing was ever sent. I never received an email, phone call, package of information in the mail, or anything to let me know a loan was taken out in my name. I was unaware the loan existed until my husband passed away. I never speak to the same person at Lending Club. Each person I speak to assures me the information requested will be sent. At one point, I was told the information could only be sent to an attorney so I gave them the name and number of my attorney-still nothing. I sent a letter to the Lending Club corporation but did not receive a response. I was told they would re-investigate my claim and someone would call to talk with me. Instead, they placed the loan in a charged off file and it is destroying my credit. I filed a dispute with the 3 credit reporting agencies. XXXX has deleted Lending Club from my file. XXXX and XXXX have not as of yet. If my name was used, it was used without my permission or knowledge. I didn't keep a list of all dates and times but here are a few: XX/XX/XXXX spoke with XXXX. He did tell me the loan began XX/XX/XXXX. I asked for the time and IP address and he said it would be sent to me. He forwarded me to someone else. I left a message but received no call back. XX/XX/XXXX spoke with XXXX. He said it was being investigated and someone would call to ask me questions. XX/XX/XXXX spoke with XXXX. She said the account was determined to be mine. I asked how that was possible since they were supposedly investigating and someone was supposed to talk with me. She said she must have made a mistake and someone would call me. XX/XX/XXXX spokje with XXXX. she said someone would call me. Later in the month, the fraud specialist called to tell me I was responsible because it was a joint account. My attorney is XXXX XXXX, XXXX. Please advise.
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07/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
I called Lending Club on XX/XX/XXXX to cancel my non-funded loan. The initial representative along with the subsequent representative appeared invasive and hesitant to process this request. The second representative cautioned me not to spend any money from the loan. The loan was not funded prior to me calling. I logged into my Lending Club account and it show the loan was funded and complete. I did not trust that this representative ever entered my request at all. I called back to confirm the the cancellation request and again I was promised by XXXX? ) that the cancellation request was processed and she stated I'd receive a email confirming my cancellation request. She also advised me that there was no cancellation request previously entered that she could see. I then logged into my XXXX XXXX account and seen that the account was not funded. Granted I do not want this loan. As I explained to representatives i got a much better rate locally. LC is trying to force me into this loan.
Additionally, and most recently I continued to email the company regarding my previous request. The company finally sent an email today ( XX/XX/XXXX ) stating that my payment on this loan would be XXXX the cash out amount of the loan minus their {$1000.00} fee. Due on XXXX the XXXX. I previously established with this company that my XXXX XXXX XXXX was returning the the funds which in they ( XXXX XXXX XXXX did to the LC account the funds cames from. So essentially LC is intent on trying to get their fee regardless. Regardless, to that their very own policy states that a borrower only needs to call them and establish their refusal to receive the loan. I did that even prior to the loan be mysteriously deposited into my XXXX XXXX account ( after ) my cancellation request howbeit. Lending Club 's policy does not state ( currently at least XXXX that the borrower will be charged any fees if they are notified with the 5 day period after the loan. I clearly notified LC but the representatives did not follow through and process any of my two ( 2 ) requests for cancellation of the loan. So LC will ( attempt ) to hold be liable for the {$1000.00} ( processing fee ) despite there being no company policy to support this charge. I in-turn will not pay this amount. My account access has also been denied every since my cancellation request. In addition a XXXX complaint has been filed and ignored by this company per their response on XX/XX/XXXX and a certified letter mailed to the company along with multiple emails.
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10/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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LENDING CLUB IS IN VIOLATION OF THE LAW OUTLINED BELOW : The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances.
Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Specifically, the creditor has to continue to report your debt as current if you're up to date on the debt when the creditor agrees to : let you defer one or more payments let you make a partial payment forbear any delinquent amounts modify a loan or contract, or give you any other assistance or relief.
Lending Club offered a payment arrangement on XXXX. They had always offered a 15 day grace period, and I was very happy about that because I had received my first paycheck from my new job. I left the workforce pre-covid making $ XXXX/yr and re-entered on a Contract assignment the first week of XXXX making $ XXXX/yr.
I made XXXX XXXX payment. A week after my new job started my elderly father caught Covid. So in XXXX, my entire world was upside down and any Bill that wasn't on autopay slipped through the cracks. I was totally overwhelmed.
I called Lending Club and explained that it was an oversight due to my circumstances.
My plea fell on deaf ears. They did not care, even after I immediately made the payment at the beginning of XXXX ( see attached ). Keep in mind that when I made XXXX XXXX payment in XXXX, the payment was not 30 days late.
Then when I logged in to make XXXX XXXX payment on the XXXX, the account showed that I was approaching 60 days past due and that I owed {$780.00}!
I was able to borrow the money from I relative because I did not want my credit ruined.
I had no idea that they started reporting my account late in XX/XX/2020!
Please make them follow the law and remove all 4 late payments from my credit report, I would also like to know how that {$780.00} was applied. I was on a Forbearance plan, and the law states that I wasn't supposed to incur penalties, late fees, or interest during this time.
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06/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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After sending many letters Lending Club has failed to validate this debt in accordance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.
Letter dated XX/XX/18 Certified Mail Signed for XX/XX/18 The initial request, requesting Validation of this debt The law states that I'm entitled to competent evidence bearing my signature showing that I have ( or ever had ) contractual obligation to pay you the law also states you must respond within 30 Days of receipt of my original correspondence.
Letter dated XX/XX/18 Certified Mail Signed for XX/XX/18 Response to their reply to my initial letter.
This letter notified Lending Club that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. Also was a formal request of the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.
Additionally, requested that they provide the name, address, and telephone number of each person who personally verified this alleged account so that I can inquire about how they verified without providing any proof, bearing my signature.
Another formal request, requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Several disputes were initiated with XXXX, XXXX, XXXX each time Lending Club sent verification stating that this is a validate debt and not providing any additional documents.
I have maintained a careful record of my communications with Lending Club for the purpose of filing a complaint with the CFPB, should you continue in your Non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws I will move forward with the Attorney General 's Office and if that leads to a dead end I will have no choice but to have this issue placed under litigations.
Based on my paper trail of clear oversight and neglect by Lending Club the following violations could allow me to seek compensation for damages a minimum of {$1000.00} per violation -Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) -Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) -Defamation -Negligent Enablement of Identity Fraud
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09/20/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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Please see email chain- on XX/XX/XXXX they were instructed not to debit a payment until XX/XX/XXXX and still did on XX/XX/XXXX. I have 2 accounts with them and requested this on both loans to wait until XX/XX/XXXX. When I speak to them they tell me there is no email from XX/XX/XXXX which you can see is clearly date and time stamped for XX/XX/XXXX at XXXX EST and they are Pacific time so only XXXX there. I also have sent an email every day now since XX/XX/XXXX which no one replies to and I asked for the supervisor I spoke to to call me back and have been waiting 2 days for that now. They have left me and my family with no money and have been charged hundreds in OD fees now. They refuse to reverse the payments. I also have a dispute in with my bank too. I need {$510.00} for this loan and {$540.00} for the other loan refunded ASAP along with fees I have been charged. Thank you.
-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX Date : Thu, XX/XX/XXXX at XXXX XXXX Subject : Fwd : Loan # XXXX To : Still no response for over a week now to 3 emails all included in this chain. One on XX/XX/XXXX, one on XX/XX/XXXX, and one on XX/XX/XXXX. I also received no assistance from 2 supervisors I spoke to : XXXX XXXX and then XXXX ( do not have last name ). Both are basically calling me a liar that I did not request to stop this payment for {$510.00} on account # XXXX and another one for {$540.00} on account # XXXX. Both were still debited from my account and you need to reverse the payments today. I guess you leave me no choice but to seek legal advice for not honoring a consumers request if you do not reverse the payments today.
-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX Date : Mon, XX/XX/XXXX at XXXX XXXX Subject : Fwd : Loan # XXXX To : Why did a payment come out of my account today when I set them up per the below? This caused my account to be overdrawn and will need the payment refunded ASAP- immediately as in the next day. There should be no payment coming out on the XXXX either. The next one should be scheduled for XX/XX/XXXX. Please advise when payment will be refunded.
Thank you.
-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX Date : Wed, XX/XX/XXXX at XXXX XXXX Subject : Loan # XXXX To : Hi, Please set my upcoming payments as follows : XXXX payment of {$510.00} to process on XX/XX/XXXX XXXX payment of {$510.00} to process on XX/XX/XXXX Thank you
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10/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
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I had a personal loan with Lending Club that was closed without any communication. I've been a client with Lending Club since XX/XX/XXXX. My first loan was Acct # XXXX for $ XXXX. I paid that loan on time, never had a late payment, and paid it off in full on XX/XX/XXXX.
I applied for a second loan on XX/XX/XXXX. The loan was approved, loan # XXXX, loan amount of {$34000.00} and fully funded on XX/XX/XXXX. I also paid this loan on time every month until I because severely physically ill in XX/XX/XXXX. Due to my illness ( which I believe was early Covid ) was unable to work and my income was severely impacted ; I wasn't able to work and because I'm 100 % commission, I IMMEDIATELY contacted Lending Club to inform them of my health issues ; to let them know my income was impacted, that I was anticipating hardship and see if they had any programs to assist me when I was no longer capable of making the payments on time. But the only option they gave me was a 15 day grace period which is standard procedure under any situation. I called them once or twice per month seeking help and asking for guidance all while struggling to make timely payments. I was able to continue making on-time payments up until end of XX/XX/XXXX and by this time the pandimic ( Covid ) hit like a nuclar boom! In spite of my health, a major hit to my income and the announcement of Covid, I still endeavored to make payments.
In spite of my steller payment history, fully paying off my original loan # XXXX, constant communication, request for assistance, the announcement of a world pandemic, Lending Club didn't offer me a helpful solution until XX/XX/XXXX! By this time I have little to no income, I've exhausted my savings, getting food from the food bank, etc. I was at the end of my rope! Then unbeknownst to me they charged off my loan and sold it to a third party company XXXX ( collections ) XXXX without contacting me at all!! I only found out because I was trying to call in to make a payment and they told me I was unable to pay because my account was closed.
I'M EXTREMELY UNHAPPY ABOUT HOW I WAS TREATED. I WASN'T TREATED FAIRLY ESPECIALLY FOR MY PAYMENT HISTORY, ATTEMPTS TO WORK TO KEEP THE ACCOUNT CURRENT AND PAID, ALL MY COMMUNICATIONS TO LENDING CLUB, PERSONAL HEALTH ISSUES AND ABOVE ALL OF THAT A WORL WIDE PANDIMIC! THIS HAS SEVERELY IMPACTED MY LIFE AND IT WAS NO FAULT OF MY OR DUE TO ME BEING IRRESPONSIBLE! I ASKED THAT YOU PROTECT ME AS A CONSUMER.
Thank you!
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05/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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The company is purposefully practicing illegally in order to charge as many extra payments as possible.
I reached out in the fall of XXXX bc I was having trouble making payments.
The rep told me I could go on a payment plan, NOT to make a payment now, that the past due amount would be tacked onto the end of my loan ( I have the screenshots ).
This didn't happen. A few months later, my account was marked as late, every month as I continued to pay, and I was told that the payment in the fall was late. I showed another rep the screenshot proving that I had been told not to make a payment, and he refused to help me.
I made a payment on XX/XX/XXXX, the payments are due on the XXXX. Now I am being told my XXXX payment is late. The rep confirmed this was a mistake. but he didn't know how to fix it, no one could call me back, and I " better make time to call in. '' So they repeatedly make mistakes they refuse to fix, but I have to spend my worktime and money calling ( I am in another country, its min {$50.00} each call ). SO if they insist on this, they will have to credit my account for each call. This XXXX, they know how to use email. In fact ALL of the XXXX banks I do business with have managers that email me, XXXX, XXXX. So really this is an excuse.
Also, when I reached out a few weeks ago, I was told I'd get a call back. The call back never came, nor did an email. But it just so happens that now Im out of the grace period. Which seems like the company does this on purpose. : Contact us if you are having problems but we will waste your time leaving you waiting to make sure you accrue late fees. '' The rep I spoke with today accidentally told me the last rep marked in the notes while we were talking that no one would call me, but you can see on my messages he told me they would. I have all of this in screenshots.
Also when I called in before the loan was late, the rep wouldn't talk to me about the upcoming payment. He kept going back to the late payment in XXXX or XXXX XXXX it wasnt really late BTW and all of the sudden they fixed it and decided a new month is late ). But the point is, he used the error the company made as a way to change the conversation and refuse to help me. This company is breaking the law.
Lastly, I signed up for a Covid relief program through Lending Club, there was no mention of this extending the life of my loan for a year. And now, mysteriously, my loan is a year longer, and one can explain it.
|
12/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
I paid my loan in full via cashier 's check on XX/XX/XXXX.
On XX/XX/XXXX I called the company to make sure the payment had been received. I was assured that it had been received and posted to my account. On my request, the XXXX said I would receive an email notification within 24 hours stating that my loan had been paid in full.
48 hours later ( XX/XX/XXXX ), I called again to ask the status of said email notification as I had yet to receive it. At that time I was informed that even though the payment had been applied to my account and that the account had been closed due to receipt of payment, I would have to wait 10 days from the receipt of payment to verify my funds and it would be an additional 24 - 48 hours after that time before I would receive written confirmation of receipt of funds and closure of my account.
At that time he CSR assured me that she would put in an expedited request as the receipt of confirmation of account payment and closure is holding up a property closing on my end.
On Tuesday, XX/XX/XXXX, I called again to ask if my request had been expedited. At that time I was told that it would not be expedited. I requested to speak to a manager, and was told no one in management was available to speak to me. I was also informed that it would take 3-5 daysfrom the time of my request for payoff confirmation before I could expect an email. I pointed out that it had already been seven days ( XXXX ). After I pointed this out, the CSR told me I could expect an email by Friday, XX/XX/XXXX.
My frustrations : 1 ) Incomplete and varying information about processes and time frames. Every time I call I get a different answer tomyrequests and questions! This does not foster any trust that this company is giving truthful, consistent information.
2 ) Lack of availability to someone other than a CSR. I am being told by the CSRs that " their manager '' or " the back office '' can not ( will not ) talk to me to elucidate your policies.
3 ) I paid with a CASHIER 'S CHECK. This is as good as cash! This situation is akin to me giving them {$13000.00} in CASHand being told I can not have a receipt for my money! When I asked for a simple letter ( typed by anyone ) stating that the funds had been received and that the account was closed, I was told thatthat was not an option. (??? ) Bottom line, I have paid my debt in full, and LendingClub is refusing to show receipt of payment.
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03/20/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
I think I am being overcharged in interest rates. I was not aware of this occurrence until today after unsuccessfully trying to reach the company on an open phone line for over an hour I decided it was time to search help from other sources.
Payment History Due Date Posting Date Amount Principal Interest Late Fees Principal Balance Payment Status XX/XX/XXXX XX/XX/XXXX {$1000.00} {$590.00} {$470.00} {$17000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$580.00} {$490.00} {$18000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$560.00} {$500.00} {$19000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$550.00} {$520.00} {$19000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$540.00} {$530.00} {$20000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$520.00} {$540.00} {$20000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$510.00} {$560.00} {$21000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$500.00} {$570.00} {$21000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$480.00} {$580.00} {$22000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$470.00} {$590.00} {$22000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$460.00} {$610.00} {$23000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$450.00} {$620.00} {$23000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$440.00} {$630.00} {$24000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$420.00} {$640.00} {$24000.00} Completed - on time Loan # XXXX Loan Progress On track Remaining principal balance {$17000.00} 22 payments to go Next payment {$1000.00} Scheduled onXXXX XXXX Autopay is on Upcoming Payments XX/XX/XXXX Friday {$1000.00} XXXX XXXX Monday {$1000.00} XX/XX/XXXX Wednesday {$1000.00} XX/XX/XXXX Saturday {$1000.00} Make an extra payment Payment Due Date XXXX Youre paying on the XXXX of each month Change due date Loan Documents View loan documents and agreements from your application on XX/XX/XXXX See loan documents Payment History XX/XX/XXXX {$1000.00} Completed XX/XX/XXXX {$1000.00} Completed XX/XX/XXXX {$1000.00} Completed XX/XX/XXXX {$1000.00} Completed XX/XX/XXXX {$1000.00} Completed See full history Loan Terms Original loan amount : {$25000.00} Loan term : 36 months Interest rate : 30.99 % APR : 35.89 % Bank Account XXXX Account number : XXXX Go to bank account settings
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03/23/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
Long story short my dentist referred me to a loan company to pay for some dental work ( XXXX for XXXX ) he would do for me the next day. The loan was funded for {$7000.00} to the dentist. Before the close of business that very same day I called the dentist and spoke to his staff to say I changed my mind and I did not want the to do the XXXX. The next morning I called the loan company and the loan company said they could NOT cancel the loan since the money already went to the dentist. I called the dentist office to tell them this to ask for a refund of my {$500.00} in cash I gave them the day before and they said the dentist would call me. Well he called me 3 days short of a month later and said he " incurred some cost '' before I cancelled my appointment. He said he would cancel the loan with the loan company and give me a partial refund of my {$500.00}. This never happened. I have called his office many times since XXXX XXXX when this first started. Now the loan company is calling me to pay off the loan. I did not receive anything for this loan and I did not receive the money. My dental insurance company paid the dentist approximately {$150.00} for the examination that day, so he can not claim he received nothing for my visit that day. I received nothing that day. The loan company is calling me up to 5 times a day including Saturday and Sunday. That is the basis for the claim these collection calls are not fair, the dentist has my money, and he has now contributed or the loan company to negative information on my credit report.
The following is a longer version with some additional information : On the morning of XXXX XXXX, 2016 my dentist, XXXX XXXX XXXX, after a brief examination, said I had a broken crown and I needed a XXXX. In fact he said I could use XXXX on the other side of my mouth. After he told me that the total cost is {$7500.00} I told him I did not have enough money. He referred me to his staff to secure a loan with the Lending Club. I signed a paper and his staff spoke to the loan company on the phone, I did not talk to them at that time.
My initial examination was XXXX XXXX, 2016 and the loan was funded that BEFORE the procedure ... .about three weeks later I received a letter from the Lending Club saying " sorry my loan application has been DECLINED, yet now they are calling me for payments when they gave the money to my dentist.
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07/30/2019 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
I recently discovered that my spouse had applied for a XXXX loan with Lending Club and had listed me as a XXXX without my knowledge or permission on XX/XX/XXXX. I was unaware of this until I noticed that my credit score had dropped dramatically and I found it on my credit report. I contacted Lending Club and spoke with XXXX on XX/XX/XXXX to question how I ended up on the loan. He told me that my spouse had listed me as a XXXX. The money was deposited into his individual account so I was unaware that the loan was taken out. I believe that I should not be held responsible for the loan since I was not given the opportunity to review the terms of the agreement, or the Truth in Lending Disclosure. Additionally there was a Consent to Electronic Transactions and Disclosures which I did not sign or to agree to. Lending Club made no attempt to send me these documents by email, through regular mail, or reach me by phone to verify my status as XXXX. If an electronic signature is used to obtain consent and finalize the loan, then the signatures on the required documents should be sent from the email from the person who is entering into the contract. Lending Club was negligent in creating one single electronic contract with both the XXXX and XXXX XXXX 's names to which only the XXXX could access.. Lending Club did not make any reasonable attempt to verify that I wanted to be a XXXX and in fact did not even have my email until I called to ask to have my name removed from the loan on XX/XX/XXXX. It seems as if Lending Club has no safeguards in place to verify that the application is not fraudulent. If a loan is closed in person, photo id is requested. What did Lending Club do to verify the application? I believe that even though I am the spouse I still have the legal right to review my responsibilities as XXXX-XXXX. Lending Club operates under the impression that it is acceptable to assume that the XXXX is in agreement with the terms of the loan, even though his or her electronic signature arrives through the XXXX 's email. It is certainly not the norm for spouses to share an email.so this serves as evidence that Lending Club 's practices are very weak and risky. I am asking that my name be removed from this loan. Lending Club is free to take whatever legal action they deem appropriate against the XXXX who submitted the application.
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09/22/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
Bottom line, I am requesting your assistance ( 1 ) correcting this company 's current billing ; and ( 2 ) directing this company to make updates to my credit report as the information reported is inaccurate.
Between XX/XX/2020 - XX/XX/2020, on a monthly amount of {$1000.00}, I owed this company {$8400.00} ( excluding any penalties from past due amounts/reversed payments ).
During the period above, I paid the company {$9200.00}, which is approximately {$820.00} over what would ordinarily be due on a regular monthly cycle. Despite 17 payments over 8 months, the company has reported to the credit bureaus ( 1 ) that I have been at least 30 days late on my payment, and ( 2 ) created an image of a less than stellar payment history. I acknowledge on six instances, one or more payments were reversed ; however, 50 % of those reversals were borne from Lending Club not honoring my request to stop its ACH payments, in writing as required by its policy. This led my bank ( XXXX ) to place a block on any payments from this lender. The company has FAILED to compare the past eight months against a long and stellar payment history, which again, began after the company refused to follow its process and stopping any ACH payments.
Additionally, I have also called the company 's attention to a plethora of erroneous notices that I have received, indicating that my monthly payment of more than {$3000.00} ( which is $ XXXX above my monthly amount ). I recently provided proof that its system was not processing payments online, although the 17 payments alone likely render any past due or payments owed, not required ; yet, the company continues its troubling practices.
Finally, it is unclear to me, due to the litany of billing, processing, and payment errors ; this company has committed, how much I owe this company. Despite receiving thousands in payments this year, the balance appears to decrease, incidentally. Furthermore, the company 's slow processing/handling of non-Lending Club institutions ' payments is very disturbing. When processed via the company 's website, payments are processed within 48 hours ; however, when payments are processed via external institutions, payments have taken up to seven days, which exposes consumers to considerable and avoidable financial risks, particularly given this company 's billing errors.
|
04/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
To whom it may concern, Last XXXX of XXXX, I called and contacted both of the following companies. I was in the process of trying to fix up my credit. I called two companies in reference here : ( Lending Club ( that has issues with different optional payment plans, making it hard to contact and make payments ) also ( now called here as : XXXX XXXX or XXXX ). Then XXXX XXXX, to negotiate a payment ( voluntary turned a XXXX car we purchased early, knowing we would eat a large amount because the car was worth 20K less than what we paid for it!! ) just after 8 months making hefty payments, of 300 more than we were told from dealership. Didn't even get a bill, for three months after we purchased the car. ( that's another complaint about this dealership ) and very low miles when turned back into XXXX dealership. This automobile we purchased from a crooked dealership, in Georgia ). Now we planned to bring both accounts current and to reflect they were paid off as agreed and the negative ratings removed from my credit reports.. I did my part, as we agreed upon, for both accounts. Now both companies were to provide me with an agreement letter showing the accounts were paid as agreed and ( unfortunately ) This didn't happen ( as agreed ) after making several phone calls month after month and disputing my credit reports. This very much has affected my credit score by more than 50 points, and I need to correct the errors with your help. I have proof of the payments were made and letters finally from XXXX XXXX showing paid as agreed, but with the wrong date of XX/XX/XXXX not XXXX of XXXX. Many months earlier than stated on my letter and still on my credit reports with all three agencies. Lending Club had a collection department handel the charge off and we paid as agreed with again proof and letter from the collection division XXXX XXXX ( XXXX, they have many names they go by ). Please help me get this corrected and share with me how to prove both were paid as agreed and when they asked me to pay not 6 months later as XXXX is stating in the letter from a non disclosed name by email of all places and this was even hard to locate in my emails, did not come up as XXXX, it was from other source. This isn't fair to me paying higher interest rates because companies are not updating my end after they get their money from me.
|
12/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
Monthly payment was made XXXX-18 and then pay off made XXXX-18, on a recorded line the rep stated you have to call in pay off payments that are planned on being made. I asked her to direct me to where this clause was in the contract and she could not. Even though the balance shows as {$0.00} completed and I can't use my social security number in the automated system because it says I no longer have a loan, they took out another payment for XXXX on a {$0.00} balance. They plan to take out another payment in XXXX claiming the 2 payments are for interest. This totals over {$1300.00} in interest being charged in 28 days on a paid off account. After arguing back and forth that the contract had no call in clause and being placed on hold multiple times and transferred, they finally agreed to shut off the automatic payment. They reversed the XXXX payments but still want me to pay an additional {$1000.00} in interest fees and will be billing me for this because their screen shows different information than they show on my online account. Even though it is paid in full with a {$0.00} balance, completed, states they took {$0.00} out for XXXX but admitted on the recorded line they did in fact take the payment out, they are still requiring another payment in XXXX on a {$0.00} balance and loan that can't be accessed via my social security number because it is paid off. This is fraudulent business practices at best. Loan amount taken out was {$16000.00}, first payment due date was XX/XX/18 and amounts paid were {$610.00} on XX/XX/18 and an additional payment of {$16000.00} on XX/XX/18 for a total of {$16000.00} which is {$490.00} over the amount borrowed and paid off within 28 days of the monthly payment leaving a {$0.00} balance ( screenshots taken ) but they are now requiring I make additional payments of {$510.00} and {$350.00} " for interest '' which is an additional {$860.00} on top of the {$490.00} already paid for 28 days of the loan. This is a total of {$1300.00} " for interest '' for 28 days of the loan. Again the loan is paid off in full but they are requiring additional payments even after a {$0.00} balance. The second rep said they will update the system for my refusal to pay on a {$0.00} balance to reactivate the loan, which will accrue interest and payments again on a {$0.00} balance.
|
09/06/2020 |
No |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
|
05/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
See a copy of the letter : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX Lending Club XXXX XXXX XXXX, CEO XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Re : Account # XXXX Dear XXXX XXXX, I am writing you in reference to an XXXX that is reported on my Credit Report for XX/XX/XXXX. On XX/XX/XXXX, I called the XXXX number and spoke to a representative and he informed me he was not able to take over the telephone payments ; however, he stated that the XXXX office was closed due to inclement weather and would not open until XX/XX/XXXX. My payment, I stated was due on XX/XX/XXXX and when I made the payment of {$780.00} he stated that there was a late charge of {$40.00} that would be deducted before the payment was applied.
XXXX XXXX, it appears your company is applying some of the very liberal policies of the City of XXXX XXXX, CA that are outside of the lending laws in the United States. Examples, it appears my account is being reported late because of a portion of the payment went to late fees. Therefore, if youre accounting system had not deducted a portion of my payment for late fees, my account would not have been reported as late. Additionally, if your office had been opened on XX/XX/XXXX, I would have been able to also make my payment by telephone in a timely manner before XX/XX/XXXX which then made my payment be classified as being late because of your XXXX office being closed which was not fault of my own. Moreover, I think it is ridiculous when a natural disaster takes place and you close your office because of that and customers like myself and may others were reported to the Credit Bureau as being late which was not fault of our own.
if my account and credit report can not be update, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) stating that I was not able to make the payment due to your office being closed on XX/XX/XXXX due to inclement weather and when the payment was made, you deducted {$40.00} from the actual payment identifying it as a late fee. I would like to have a response from your office within 30 days or less stating that you have corrected your error and updated my credit report to reflect paid as agreed.
Thank you in advance for your assistance for your addressing this matter.
Sincerely, XXXX XXXX
|
02/14/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
I am writing to file a grievance against Lending Club. Over the past three years I have take out three loans with LendingClub, of which two are satisfied and one is current with 23 payment remaining. I applied for a smaller loan several months ago. After sending Lending Club copies of my social security card, drivers license and passport, LendingClub found out that the wrong social security number was being pulled up in their system for my application after applying multiple times, Lending Club indicated that there is a a person who shares the last 4 of my social Security Number, first and last name. ( Lending Club divulged this person 's SSN to me seemingly without a care in the world. ) When I put in an application to consolidate my current loan, I asked Lending Club to notate everywhere possible that my social security number could be mistaken for the other person and they assured me it would not happen again. On their recorded line I have stated my full social security number and when they ran the last 4 digits, the wrong person kept being attached to my applications and was never fixed on the old or current loan.
SERIES OF EVENTS -XX/XX/2020 - I was informed by Lending Club that the wrong social security number was applied to not only my current loan but past loans as well, under the other person 's Social Security Number. I was promised I would have updates via call backs and emails which never transpired. Since that promise I have had to reach out and explain my situation to get a supervisor or manager on the phone which they would admit to having no resolutions or plan of action to fix the social security problem on my current and past loans.
-Shortly after, I contacted XX/XX/XXXXwho verified that Lending Club had not done any soft or hard inquiries on my credit report for past or present loans.
-XX/XX/2020 - I was connected with the Fraud Department of Lending Club who advised me that there was nothing they could do on their power to solve this issue.
-XX/XX/2020 - I was connected with XX/XX/XXXX( Supervisor ) who escalated to Manager, XXXX XXXX Last conversation with XXXX was where I made it clear if there was no plan of action soon that I would be filing a complaint with CFPB.
-I have called LendingClub seven times since XX/XX/2020 to no avail.
|
05/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
In XXXX, XXXX I got approved for {$15000.00} loan, {$14000.00} been transferred to my bank account the last week of XXXX.
It was 36 Mo. term loan with % 29.67 interest rate & % 34.53 APR. I started paying XXXX, XXXX, XXXX. I was great customer for 14 ( Fourteen ) consecutive months until XXXX, XXXX. Every month {$630.00} goes from my bank account to the lending company with No problem, Fourteen straight months No late fee or anything. I work as an XXXX XXXX, I filled for unemployment, but I didn't receive any money until today. I tried to contact the lender several times, No response, ONLY, a message that tells people how great this company is, and how they are complying with the federal government regulations, and how they are here to help .... and on and on. I went to their website and emailed them through their page. Said that I won't be able to make payment for the month of XXXX, and maybe the month of XXXX. This Email was three days before the XXXX payment due. I called my bank to make a stop payment for this amount, because if they ignored my email that I sent three days before, they won't be able to withdraw money from my account. I wasn't sure when I will be able to have more money in my account, and what ever was in my bank account need to be saved for rent, food, and more important items.
I received an email in XXXX, XXXX, XXXX that said they weren't able to withdraw the payment for my account. I replied to this email with the same message I sent through their website ( I won't be able to make payment for the month of XXXX, and maybe the month of XXXX. There was a link to defer plan, I applied for it, they said that they will get back to me within 10 days, but No one did. I couldn't make a payment for the month of XXXX.
They didn't send an email this time or tried to contact me to find out what happened, especially I was a great customer for 14 months. I assumed that they understood my financial situation, but NO, last week I received a letter from a COLLECTION AGENCY. can you believe that. I called and I gave them what they deserve, they said they will review my case and get back to me, that was last Tuesday. Now I need to know what can I do, I didn't pay the rent for the month of XXXX or XXXX, I didn't receive any money from the unemployment yet.
|
03/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
This is an amendment to the complaint I filed against this company on XX/XX/XXXX. Complaint Number XXXX. I now have concrete evidence that this company does not care about rules or regulations and is simply out to get me.
According to your own website, the complaint was sent to lending club on XX/XX/XXXX. I have already described in my complaint how I was the victim of identity theft, and I have filed a notarized affidavit and police report and submitted it to them. I did so in XXXX, and I submitted it to the collection agency they had originally sold this debt to in XXXX of 2017 as well as through the complaint I filed on your website which was submitted to them on the XXXX of XXXX. Well I just received a call from a new collection agency on XX/XX/XXXX called XXXX XXXX attempting to collect this same debt.
After I received this call I immediately called my representative who is assisting me with all of this. I asked him to call the collection agency to figure out what was going on. He not only called, but the call was recorded as well and he gave me a copy of it. It seems that the representative he was speaking with said the account for Lending Club had been assigned to her office on XX/XX/XXXX. that was 7 days after I submitted my complaint to you and you forwarded the complaint to them! As of today, I see they still have not responded to the complaint, have not spoken with me, have not sent me any notices regarding this case, but yet they still have the gall to submit this account to another collection agency while this complaint is active? This is proof of exactly how they have been treating me for these last 8 months regarding this account. They don't care that this is fraud. They don't care that this account does not belong to me or that I never signed. They don't even care that they are breaking multiple collection laws or that you have been submitted a complaint against them with serious allegations. They continue to just try to collect this account without ever responding to any of the paperwork That has been submitted to them over and over.
I know I am just one person, but I hope this complaint is enough to get you to act against Lending Club. They are being willfully negligent and careless and I am suffering the consequences for it.
|
11/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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Lending Club is apparently a scam. They have stolen {$65000.00} and can not even be contacted. We opened a XXXX checking account with Lending Club after seeing their advertisement online. We were enticed by their range of features they purported to offer, and ease of use, including their online access and mobile application. We opened an account and funded it with {$100.00} deposited from an existing personal checking account. Our account is under the following XXXX name : XXXX XXXX XXXX XXXX We then ordered checks through Lending Club customer service and received them recently as well. We had an upcoming transfer from our merchant processing, which we linked to this new business checking account. We reached out to customer service and let them know the transfer was going to be incoming soon, and wanted to make sure it would be received without any issues. The customer service confirmed there would be no issues, and that we could receive the transfer. On or about XX/XX/XXXX, we received a {$65000.00} deposited into our account. I wanted to move {$25000.00} of the balance to my personal account. I initiated a wire transfer online through Lending Club 's online wire transfer feature. The account is under my exact name, and my home address. I was then emailed several hours later being told the wire was canceled and I would need to provide Lending Club with additional information about my account and photo identification via email. I immediately replied submitting the information. No phone number was provided for any assistance either. I received no response from Lending Club via email. Today ( XX/XX/XXXX ) I was blocked from logging into my Lending Club account as well. All of our information is accurate and was provided to Lending Club as requested. The wire transfer was to my personal account under the same exact information shown on my State identification documents, and is a residential home under my name as well. There is no reason that Lending Club should be able to steal our money like this without any recourse and for no valid reason. These online financial companies now use the " suspicious activity '' excuse to freeze funds at will in an apparent attempt to raise their own profits.
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09/23/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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In XXXX, XXXX XXXX offered me an opportunity to apply for a loan at a lower rate that would allow me to consolidate XXXX personal loans that I currently have with Lending Club. The total amount financed on XX/XX/XXXX was {$46000.00} ; they agreed to direct pay my loans with Lending Club and direct deposited the balance of {$2600.00} into my personal checking account.
On XX/XX/XXXX, I was notified by Lending Club that they had received paper checks with my account number on them but they claimed that there was no name included so they would need some information ( loan number, issuing bank & check number ) from me before they would apply the funds to my accounts. ( emails in documents ) I was concerned about the amount that they claimed they received for the larger loan because it was {$2000.00} less than XXXX XXXX said they had paid. I contacted XXXX XXXX to get the information but was told that they would have to research it and get back to me. When I heard back from XXXX XXXX some time later and provided the information to Lending Club, I was told that the holding period had passed and they had returned the funds to XXXX XXXX. I again called XXXX XXXX to explain and was told that the checks had been cashed so as far as they were concerned, the money had been paid and there was nothing they could do to help me.
I then went back to Lending Club several times to ask for proof that they had returned the funds but they were either unable or unwilling to provide me with any information. As it stands, I have no idea where the money is but both companies are charging me monthly payments. I have spoken to dozens of agents but have not been able to get this resolved. Although it appears Lending Club has the funds, I will also be duplicating this complaint against XXXX XXXX because they have not honored their agreement to pay off the loans.
This has put a significant strain on my monthly finances and had a serious negative effect on my credit score. I have used savings to meet my obligations but will not be able to continue to make double payments. I need help to get this resolved because I feel like both companies have turned a deaf ear to the situation.
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10/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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I took out a loan to pay bills off and get things in a better position. I had been paying the loan and keeping it current. Then as Covid hit, I was unable to get paid. I am a real estate broker and I had spent the winter working in XXXX XXXX XXXX to make more money to pay off more debt. XXXX XXXX deal do not pay until the business can open. Supplies became short in XXXX and by XXXX, the government had flat out said that they were not allowed to open.
I tried to speak with the reps that just wanted to yell at me to give them a date of when I would get paid, which I did not have due to Covid and nor did I have any idea of when I would be able to get paid. When they opened Covid help applications, I applied several times, having my applications deleted several times and then being told I was not eligible but no one would tell me why.
SBA Loan and grants went into pending statues, then XXXX came active, but it was still really slow. As soon as I received my PPP I called immediately to put the account current and they had decided to charge off the account that day & refused to work out a settlement with me. By the end of the day of arguing with them to work out a plan, a rep had me set up an auto draft of payments for {$250.00} dollars a month while a settlement could get worked out. This was in XXXX.
During that time, they failed to report I was in a payment arrangement and making payments, instead, continued to report negative on my credit.
I have made many attempts to settle this account in exchange for them correcting the damages to my credit from Covid19 since they offer Covid help to other members. They have refused to give me their Covid requirements or tell me why I was not eligible for Covid assistance.
My most recent 3 attempts were onXX/XX/2020 - 2 via phone calls & 1 via email. I offered yesterday to pay the entire account in full in exchange for my credit to be corrected or the account to be straight removed due to their lack of Covid assistance, refusal to give me copies of the contract and refusal to give me copies of the XXXX assistance requirements & for mis-reporting to my credit from XXXX to current.
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03/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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On XX/XX/XXXX I requested information about a personal loan from XXXX.
LendingClub was a company with a robust online profile who seemed like a reputable lender.
I submitted my application on XX/XX/XXXX and received a notification asking me to complete my application with the last step being for me to verify my bank account with a voided check.
This enabled me to view a Truth in Lending Disclosure so my wife and I could discuss whether or not we actually wanted to proceed with this loan. I can not view this disclosure until I complete my application. LendingClub considers a completed application grounds to fund the loan immediately. That is not clearly disclosed.
On XX/XX/XXXX I received an email saying my loan was approved and it would be funded in 2-3 business days. Being a XXXX funds were not deposited until XXXX
LendingClub says that loans may be cancelled within 5 business days of the loan being funded.
They do not provide a way to cancel your loan within any of their disclosures. On their website they say I may cancel a loan from Monday-Friday from XXXX - XXXX XXXX time.
The money came into my account on XX/XX/XXXX. I called in on XX/XX/XXXX because I was not able to call on the XXXX and XXXX. The representative said my loan will be canceled.
Money was not withdrawn from my account. After following up twice LendingClub on XX/XX/XXXX & XXXX will not cancel this loan because they say I needed to call in and cancel on XX/XX/XXXX. Any time after is considered more than 5 calendar days.
Repeated requests to speak with a supervisor were delayed with excessive hold times and they promised email follow up on XX/XX/XXXX which was never provided.
How am I supposed to understand my true cost for taking out their personal loan when doing so commits me to moving forward with their financing product.
As a XXXX XXXX XXXX it is shocking to see that this company is not required to evaluate my ability to repay the loan. A simple debt to income calculation would indicate this as an unreasonably high cost product the manner in which the funds are distributed are intentionally predatory.
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08/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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I went to www.lendingclub.com for a consumer credit transaction.
Lending club denied my credit application & sent an adverse action.
Denying my application & sending an adverse action is considered DISCRIMINATION against me the Consumer.
Me the consumer & natural person was excising his rights under Title 15 Chapter 41 when LENDING CLUB was DISCRIMINATING.
LENDING CLUB is also committed fraud by denying my credit application for the extension of credit.
This company violated 15 USC 1602 ( g ) by denying me something that only I can extend. I am the consumer, natural person, and original creditor.
Pursuant to 15 USC 1602 ( f ) credit means the right granted.
15 USC 1602 ( l ) states that a credit card means ANY CARD. That card is my Social Security Card.
15 USC 1602 ( f ) shows that credit means the right granted by a creditor. All of this means that only the original creditor ( me ) can extend credit with my credit card.
EXTENDING CREDIT IS MY RIGHT UNDER TITLE 15 CHAPTER 41.
LENDING CLUB showed discrimination because I was exercising my rights under Title 15 U.S. Code CHAPTER 41 CONSUMER CREDIT PROTECTION.
LENDING CLUB Failed To Comply With Title 15 U.S. Code 1691a ( 3 ) because the applicant has in good faith exercised any right under this chapter.
Title 15 U.S. Code 1691e ( a ) Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class.
Title 15 U.S. Code 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection.
LENDING CLUB denied my credit application thats an UNAUTHORIZED ACCES DEVICE & UNAUTHORIZED CREDIT CARD US Pursuant To Title 18 U.S.C. 1029 ( e ) ( 3 ) & consider a CRIME Pursuant To Title 18 U.S. Code 1029
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03/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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LendingClub was contact on XX/XX/2022 to delay two payments from two different accounts. After speaking with an agent the delay of payments had been completed and both payments were not due to be withdrawn from my bank account until XX/XX/2022.
XX/XX/2022 account # XXXX a ACH transaction cleared my bank account, which this should not have occurred until XX/XX/2022.
XX/XX/2022 I contact LendingClub thru Chat and was advised that the system was documented showing the payments had been delayed. The payment from one of the accounts should not have been withdrawn from the bank account. Refund was requested. I requested the ACH funds to be placed back into my bank account within 48 hours due to LendingClub error.
XX/XX/2022 Chatted with a agent and was told it takes up to 3 days before a member of the leadership team would contact me which I was not told that on XX/XX/XXXX. Would not provide a name or number that I could call to get this matter resolved. I had to wait until LendingClub contact me.
XX/XX/2022 Called and spoke with agent and was told and I quote : " Fund will be credit to the my bank account Monday or no later then Tuesday of XX/XX/2022 any NSF that may occurred will be covered by them since it was a error on their part. '' end of quote.
XX/XX/2022 Check bank account status - No pending transactions Chat conversation with original person I spoke with on XX/XX/XXXX, now ask me to allow up to 7 days for transaction to be completed which is unacceptable due to Lending Club is set to ACH the exact same account on XX/XX/XXXX, yet they have not refund the money to my bank account. She understand my frustration?
This matter has not been handle fairly, accurate even but they did admit the mistake. Now you have to wait due to our procedures.
The agents offer there apology but that is all there is nothing else they can do. So when LendingClub makes a mistake the consumer is made to stuffer and we just have to wait until they fix it? Okay I waited and now when it still not done let 's add some days to it? I am very unhappy and which for you to investigate this matter
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10/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Report provided to employer without your written authorization
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Web |
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I have been disputing these Inaccurate unverifiable accounts 1. ) LENDING CLUB CORP ACCT # XXXX 2. ) XXXX XXXX XXXX XXXX ACCT # XXXX might I add this are inaccurate and incomplete account numbers displayed on my reports which is a federal law violation of 1515 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
with the credit agencies for months now and they are violating my privacy rights. 15 usc 1681b Permissible purposes of consumer reports i never gave the company authorization to report this on my report and i am the original creditor. 15 U.S. Code 1602 - Definitions and rules of construction section ( G ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. This is a violation of federal law and a breach of my privacy rights it must be removed immediately or I will seek litigation.
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08/28/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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On XX/XX/XXXX, I took out a personal loan in the amount of {$10000.00} with Lending Club to lower my interest rates and combine some credit cards into one monthly payment. I was approved for the loan amount of {$10000.00}, but they needed to keep {$600.00} for a loan origination fee and I agreed. But I asked if paid off the loan early would I get that {$600.00} back. I was told yes, but the amount would be pro-rated. A few days later, {$9400.00} appeared in my checking account. At the same time I applied for a personal loan from bank just to see what would happen. And low and behold I was approved for a {$10000.00} loan from my credit union and a much lower interest rate. I made arrangements with Lending Club to pay off my loan ASAP. On XX/XX/XXXX, my account was paid in full and I even paid some interest bringing my grand total paid to Lending Club {$10000.00}. I called the office and I was instructed that I would get my Loan Origination Fee refunded to me less the undisclosed pro-rated amount. The person I spoke with could not tell me how much I would get back but said it should be back in my account in a few days. Well much to my surprise, a week later, {$97.00} appeared on my checking account, apparently that was my refund from the Loan Origination fee. When I called and asked how this number was established the person on the phone said, " I will have to have someone call you back '' I never got a call so I emailed customer service and received the following response : " XX/XX/XXXX, XXXX PDT Hi XXXX, Thanks for contacting us. The methods we use to calculate refunds are proprietary information. Please let us know if you have any additional questions. You can reach us at XXXX or by calling us at XXXX Monday through Friday from XXXX XXXX. to XXXX XXXX., or Saturday from XXXX XXXX. to XXXX XXXX. Pacific Time.
Best regards, LendingClub Member Support '' Should n't they disclose how they are taking advantage of customer who chose to pay off a loan early? My loan was less than 30 days old and I lost {$560.00} to these crooks due to Proprietary Lending Techniques?
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01/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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Below is my previous complaint ( XXXX ) about this issue. Despite the claim by Lending Club in their resolution that a new check will be sent out to the address they have on file, to this day I still have not received the check. I do not know what happened to the check, but the address they claimed they sent it to is correct and I have been pretty carefully checking my mail for this particular item. And again after trying to go through customer service via email, they want me to call and explain my situation after thoroughly explaining it through email. Through past experiences, I know this will take hours of my personal time, which is too valuable to waste explaining something that I already have multiple times to the same company. All I want, again, is for this check to arrive so I can be done corresponding with this company for good.
PREVIOUS COMPLAINT : " On XX/XX/XXXX, I paid off a personal loan with Lending Club. I received an email around the beginning of XXXX from Lending Club stating that after an audit of my account, I was owed a refund of {$300.00} due to overpayment on my payoff, and that the refund will come in the form of a check sent to the address they had on file, which was still my current address. Then on XX/XX/XXXX, I received another email saying : Your refund of {$300.00} will be issued to the address we have on file for you or to an updated address identified for you based on information from the US Postal Service, and you should expect to see that soon. We will move as quickly as we can to issue your refund check, but it could take several weeks after that date for you to receive your check. We do expect that your check will be sent no later than XX/XX/XXXX. As of this complaint, I have yet to receive a check. I have attempted to contact Lending Club a few times thru email, and they request that I call. After speaking with a representative on the phone, they said they would have a manager call me back. This call back never happened. After dealing with this for many hours, I feel I have to come here hoping for a resolution. ''
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05/25/2020 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
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- Loan payment wasn't credited to your account
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Web |
Older American |
I filed a complaint with the CFPB on XX/XX/XXXX alleging that my loan was mistakenly charged off for failing to make a hardship payment. This was the Complaint of XXXX XXXX, CFPB Complaint No. : XXXX.
Lending Club responded to me on XX/XX/XXXX stating that they they had mistakenly charged off the loan, but stated that they would change how they reported it to the credit bureaus. However, now that the loan was charged off, I could no longer make automatic payments, I had to call to arrange payments. Thereafter, I called repeatedly to try to make payments and those payments often were not credited properly and promptly as they should have been. For my XX/XX/XXXX I received a notice that my one time electronic payment of {$150.00} " will be applied '' to my account on XX/XX/XXXX according to the arrangements I made on the phone, but then no payment was taken out of my Bank Account. In XXXX they demanded that I pay two months because I hadn't paid XXXX, and took out {$300.00} on XX/XX/XXXX without my authorization or permission. In XXXX, the same thing happened. I called and made a payment for XXXX with a Lending Club customer service person and then I got an email from Lending Club falsely stating that I had authorized a payment for {$200.00} twhen I never authorized that amount. Lending Club told me that someone would get back to me because they had gotten the amount incorrect. My bill said I owed {$200.00} for XX/XX/XXXX when I only am supposed to pay $ XXXX/month. No one has gotten back to me after three times I called and spent an hour on the phone. I can not make payments because they keep XXXX up after they charged my account off. They need to fix this problem once and for all. I want my account not to be charged off, but current, and I want to be able to process my payments on line just like any other account that is current and I want to have my bill paid when I make a payment. I do not want them each month saying I didn't make a payment when i did. Lending Club has the worst customer service. This has been going on now for months. It must stop.
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09/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Lending Club, XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX : Lending Club pulled a credit report without my consent and without giving them any information other than clicking on the website and using their rate calculator. I did not request a quote. I did not give them my social security number. I don't even have anything I need a loan for. In fact, I was just trying to see how much monthly payments would be for a friend who needed a loan. Sense I was not looking for myself I obviously did not request a loan.
( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. ( phone number not available ) XXXX XXXX : XXXX XXXX illegally purchased my information and pulled a credit report without my permission.
( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, CA XXXX phone : XXXX XXXX XXXX : XXXX XXXX pulled a credit report after illegally purchasing my information. I never clicked on their website.
( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) XXXX XXXX : XXXX pulled a credit report. I never clicked on their website. I used to have a XXXX credit card that I opened when I was an employee for XXXX back in XXXX. The credit inquiry was pulled on XXXX ( C/O XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX : XXXX XXXX Pulled a credit report after illegally purchasing my information. I don't even know who they are.
XXXX XXXX XXXX : I did not request anything from this company.
( XXXX XXXX XXXX, XXXX, AL XXXX phone : XXXX I never gave any of these companies my social security number, I never signed a form giving them permission to pull a credit search, I never requested a quote, nor did purchased anything from them. I don't even know who these lending companies are. All I did was click on ONE and they hack into my computer, stole my information and sold it to other lenders. I had to put a freeze on my credit because of this. These practices are deceptive and hurt your credit score. I would like justice please. I contacted Lending Club and they said they don't know who pulled the credit reports from their company and they can not help me ( run-around ).
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01/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
I have addressed this fraudulent account previously with both CFPB as well as The Lending Club, unfortunately, the complaint is closed by CFPB immediately upon receiving a response from the company regardless if the issue remains unresolved. This is not an account opened by me. The company responded in XX/XX/2017, indicating that I have not provided them with the required documentation, which is FALSE. I have been in contact with your investigators and have submitted all the information above once again on XX/XX/2017. On XX/XX/2017, I was contacted via email by Mr. XXXX XXXX, who stated he had not received the requested affidavit, I reminded Mr. XXXX that the required documents were sent to his inbox ( XXXX ) on XX/XX/2017. Mr. XXXX responded and stated that he required an incident report be filed as well, I replied informing Mr. XXXX that an incident report was not something I could furnish as per my notarized agreement with the Individual responsible, ( which I provided to the Lending Club ), in exchange for her admittance, I would not file charges. I have not heard from Mr. XXXX, nor any representative from The Lending Club since. The Lending Club has a copy of the signed agreement and all documentation, so I am unsure why they are requesting me to violate a notorized statement.
This situation has dragged on for many years, and I am desperate to put it behind me. I am willing to work with the company, as I've always been, to come up with an agreement to resolve this issue once and for all. The entire ordeal of having someone extremely close to me cause such chaos, and turmoil in my life financially, mentally, emotionally and professionally has been tough to move past, especially with the remnants of her actions lingering on my credit report, military, and XXXX XXXX record. I ask The Lending Club to work with me to come to an agreement that is both fair and satisfactory to both, the company and myself so this situation can be put to an end once and for all.
I look forward to hearing from representatives of your company.
XXXX XXXX
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02/08/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Funds not received from closed account
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Web |
Older American |
I opened a one-year certificate of deposit with Lending Club on XX/XX/XXXX for {$24000.00} that matured on XX/XX/XXXX. A couple of weeks prior to the maturity date, I instructed the bank to upon maturity deposit the balance of the certificate of deposit ( which would be principal plus accumulated interest ) into my checking account. On XX/XX/XXXX, the bank deposited the original principal of the CD into my checking account, but did not credit the interest. ( Based on the CD 's rate, I was expecting an additional {$120.00}. ) I first notified the bank of this on the evening of XX/XX/XXXX by phone to the Lending Club customer service line. I was told that the bank personnel who could address this issue were not available after XXXX XXXX but that my concern would be addressed on the next business day. There was no action, so I called again on the evening of XX/XX/XXXX. Again I was told that no one was immediately available to address this, but the issue would be investigated and resolved.
But by XX/XX/XXXX it had not been. I called Lending Club customer service again ; this time around XXXX XXXX. Eastern, while bank staff would be available. I asked to speak specifically to a supervisor with authority to expedite paying the interest due on this account. Unfortunately, I neglected to get the person 's name. But I was assured that the issue would be addressed by the end of the daythat " the interest could be credited manually. '' However, at the close of the banking day, that had not been done.
I am putting this matter on record with a request that the CFPB take action to require full interest payment. This should be unnecessary ; payment of interest on CDs and savings account is a routine banking actionapparently so routine that I can not readily find a reference on the internet to what the recourse would be if a bank does not pay a depositor interest due on an account when the depositor is in compliance with its terms of service. It apparently almost never happensuntil now.
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01/18/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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I opened an account with Lending Club back on XX/XX/2020 for {$13000.00} for a medical procedure. I made the first payment which was due on XX/XX/2020 in the amount of {$450.00}. I then called Lending Club on XX/XX/2020 to have XXXX XXXX payment deferred, which was granted by Lending Club. I then called Lending Club again on XX/XX/2020 and asked that XXXX XXXX payment be deferred as well and that was also granted. During this time my hours at work were originally cut and then I wound up on unemployment. That led me to call Lending Club once again on XX/XX/2020 and ask that XXXX and XXXX XXXX payments be deferred as well, because I needed a little bit of time to get my finances in order. At that time I spoke with a supervisor and she advised me that she would make a note in the system, but that I had to start making payments come XX/XX/2020. I happened to run my credit in the beginning of XX/XX/2020 and I noticed I had four late payments on my credit report which is greatly affecting my credit score! As I stated earlier my hours were originally cut and then I would up on unemployment and I was trying to juggle whatever money I was getting from unemployment to not only provide for my family but to also make agreements with my other creditors. I have two auto loans, another line of credit with XXXX XXXX and various credit cards and everyone else has been so understanding and accommodating during this difficult time ( COVID pandemic ). Not only do I have a late payment on my credit report for XXXX and XX/XX/2020, I also have a late payment for XXXX and XX/XX/2020 and that is totally incorrect. XXXX XXXX payment was made on time and XXXX XXXX payment was made six days late but it clearly states on XXXX XXXX website that " members have a 15 day grace period to make payments with no penalties ''. My account is currently up to date and will continue to be for the duration of the loan, I just needed a little bit of time to get my finances in order when money was tight for me.
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09/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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In XXXX of 2021 I receive a personal loan to consolidate my debt with XXXX. One of the debts that was supposed to be paid off was Lending Club in the amount of {$6000.00}. On XX/XX/2021 XXXX mailed out the check and on XX/XX/2021 Lending Club cash the check from XXXX and did not apply the payment to my loan. In XXXX, I contacted Lending Club multiple times and they initially denied receiving a check from XXXX. XXXX provided me with a check number along with notice of a truth and lending disclosure statement and that was when Lending Club admitted to receiving the check for {$6000.00} and cashed it but did not apply it to my account. On XX/XX/2021 Lending Club claimed to have mailed out a check in the amount of {$6000.00} back to XXXX. As of the date of this letter, XXXX has not received the returned check. After contacting Lending Club numerous times over the course of five months, I am continuously being told that my case has been escalated to the treasury department. I continued to ask and was not given any contact information for someone in treasury department or any other department that could assist me with rectifying the error.
I remained faithful to my debt to Lending Club until I sought the advice of counsel who advised me to stop paying Lending Club and to file a claim against Lending Club. On XX/XX/2021 I contact my financial institution and stopped all payments to Lending Club. I currently owe Lending Club {$5800.00}.
My goal was to consolidate my debt now I am paying double and no one will help me get back the {$6000.00} from Lending Club.
I further would like to add that the company needs to assess its internal controls or lack thereof. It is hard to believe that the companys bank records would not reflect a missing {$6000.00} transaction for over five months and provide timely corrective actions. I hope this is not a normal business practice and other consumers are not having the same experience.
Thank you for your time.
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01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
Servicemember |
Lending Club Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX My Wife and I had an unsecured loan opened on XX/XX/XXXX, for {$4300.00}.
In XXXX of XXXX, my wife and I filed for Wisconsin XXXX XXXX, Voluntary Amortization of Debts, and were granted a Debt Repayment Plan from The XXXX XXXX XXXX XXXX XXXX, State of Wisconsin.
In XXXX of XXXX, our repayment plan was finished, and The Court ordered our plan completed, paid in full, and dismissed.
This creditor continues to report to all three of the credit bureaus negative information, and that I have a past due balance.
In XXXX, XXXX, and XXXX they reported nothing to the bureaus, then in XXXX of XXXX they started to report negatively again.
This negative reporting continues to cost me thousands of dollars in interest and fees and is fraudulent because I have the documents from the court that say they were paid in full. They are maliciously reporting to the credit bureaus to continue to keep my credit scores extremely poor.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX My Wife and I had an unsecured loan opened on XX/XX/XXXX, for {$10000.00}.
In XXXX of XXXX, my wife and I filed for Wisconsin XXXX XXXX, Voluntary Amortization of Debts, and were granted a Debt Repayment Plan from The XXXX XXXX XXXX XXXX XXXX, State of Wisconsin.
In XXXX of XXXX, our repayment plan was finished, and The Court ordered our plan completed, paid in full, and dismissed.
This creditor continues to report to all three of the credit bureaus negative information.
In XXXX, XXXX, and XXXX they reported nothing to the bureaus, then in XXXX of XXXX they started to report negatively again.
This negative reporting continues to cost me thousands of dollars in interest and fees and is fraudulent because I have the documents from the court that say they were paid in full. They are maliciously reporting to the credit bureaus to continue to keep my credit scores extremely poor.
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11/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
Lending Club reported this account as delinquent and ruined my credit. Their claim is false because their Payment Solutions Headquarters/Collections signed for my payment of {$19000.00} on XX/XX/2020. The payment wasn't due for Loan ID # XXXX until XX/XX/2020 and the payment was made in full. Lending Club locked me out of my account after I cancelled the consolidation loan. I cancelled the loan the same week it was approved because it was a bait and switch. I applied and was approved for a {$20000.00} line of credit at 16 % and Lending Club switched it to {$19000.00}. Lending Club agreed to accepting the {$19000.00} as full payment, if paid by XX/XX/2020. Lending Club lost my payment, which they signed for on XX/XX/2020 and the payment wasn't applied to loan ID # XXXX until XX/XX/2020. Also, Lending Club made an unauthorized withdrawal from my checking account on XX/XX/2020 and on XX/XX/2020 for {$19000.00}, which overdrew my account by several thousand dollars. I called Lending Club on XX/XX/2020 to follow up on my payment and the rep said that they still hadn't found the check. I told him that I was having the bank put a stop payment on the check and to call me if they found it, so I could have the stop payment lifted. Instead, Lending Club attempted to cash the check with the stop payment applied and the never contacted me when they found the check. As a result, the check was returned and I couldn't retrieve the funds until after 90 days. Lending Club agreed to accept the payment and close the loan if paid on XX/XX/2020, {$19000.00} pain in full. However, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 and I wasn't able to make an appointment with the bank until XX/XX/2020. Had they not attempted to cash the check with the stop payment applied, it would have automatically populated to my account on XX/XX/2020. Also, I could have lifted the stop payment, even before that, had they notified me when they found the check.
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05/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with additional add-on products or services
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Web |
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I applied for and was approved for a Lending Club debt consolidation loan, which was funded on XX/XX/2021. There were two creditors that were supposed to be paid off as a result of my Lending Club loan, XXXX XXXX XXXX and Proper Funding. The XXXX XXXX debt was paid off promptly. The XXXX XXXX loan remains unpaid almost a month later. While I understand that the actual PROBLEM with Proper Funding not getting the payment may not be Lending Club 's fault per say, Lending Club has continued to refuse to remedy the situation by stone walling me when I contact them or offering different explanations or by giving me additional periods to continue to wait for Prosper Funding to receive a payment that has been pending now for almost a full calendar month.
Lending Club COULD have chosen to stop payment on the check, and deposited the funds directly to me so that I could pay the creditor, but instead I get a literal song and dance. I keep getting told I need to wait an additional length of time, even though I was initially told that once 14 business days had passed that I could open a process with them and that within 24-48 hours thereafter the problem would be addressed in the manner I spelled out above ( not the case at all I have found ).
The bottom line here is that I am now being charged interest on a loan, and about to make my first payment on that loan, while at the same time I am being denied the RIGHT TO RECIEVE MY LOAN PROCEEDS OR TO HAVE THEM APPLIED TO MY SELECTED CREDITOR AS SET OUT IN OUR INITIAL LOAN AGREEMENT.
This is clearly an intolerable situation which has begun to cause me personal financial harm. Lending Club needs to do the right thing and fix the problem immediately, it doesn't matter why it has happened, it just needs to be fixed.
I would have preferred that Lending Club taken the initiative and done the right thing without me having to complain or having to be prodded to do the right thing.
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05/06/2020 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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The company, XXXX XXXX, was calling me multiple times a day, never leaving a message or information on how to call back.
I blocked their phone number multiple times as I was not aware of what the call was about, only to be called back from different numbers, " Unknown '' numbers, and blocked numbers.
I received a call on XX/XX/XXXX at XXXX from a gentleman at XXXX from XXXX. He did not verify any of my information, only my name, which there are obviously many people in the world with the same name.
He advised of the balance of a former Lending Club loan and asked if I would like to take care of the debt today. I was unaware of the debt as I lost track of some of these debts in my time of being ill. I advised him that I would be interested in a settlement offer. He would not give me a dollar amount of the settlement offer, rather continued to ask me what I would pay.
I offered {$2000.00} to settle the loan as that is all the money I have left from my Stimulus Check. The representative laughed and told me that was unreasonable and then went on telling me how this was a cash loan, when in fact it was not, and that my offer was not reasonable enough for him to do his job and submit the offer. He never asked what my situation was to fall behind ( In this case, XXXX XXXX XXXX XXXX XXXX and extended hospitalization ), rather try his best to cut me down as a person.
He continues to berate and belittle me and my financial situation. I asked why he was talking to me this way and he told me he can talk to me this was because he was a debt collector!
As the conversation ensued, he continued to belittle and berate me and then told me I needed to " Man Up! '' and pay my debts.
As a former debt collector, the tone, demeanor, and absolute disrespect this man portrayed was mind blowing. As a manager of a debt collection agency for over 5 years, this was the worst display of professionalism I have ever witnessed.
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09/05/2019 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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Lending club sold their ( personal ) loan to me at 6 % interest rate, upon collecting my information and all the necessary documents I end up with 13.49 %, {$280.00} monthly installments for 36 months.
After many unattended complains and service dissatisfaction, I called to terminate my business with them on XX/XX/2018. Lending club rep by the name XXXX from payment solutions department quoted a payoff amount of {$5000.00}, upon explaining my reasons and dissatisfaction with their service he finally agreed on a settlement of {$4800.00} with the following conditions : A certified funds in the settlement amount of {$4800.00} no later than 30 days must be in their office, and upon receipt, the account will be deleted from my credit report with all negative remarks. I demanded a written letter stating the above conditions, which he refused and he vehemently promised that lending club is a reputable company and would not put any thing in writing, rather after payment my report will be updated to reflect his promise to me.
Unfortunately Lending club took advantage of me upon collecting the agreed payment of {$4800.00} ( cashier 's check ), they went back on their word harassing me every day at working with unending phone calls demanding a balance of {$260.00} contrary to the agreement they reached with me before making the final to close out the account and delete it from my report.
Their derogatory information has denied me of my right to use my credit to apply for home loan mortgage, and many more setbacks due to their adverse remarks on my credit report.
Because I was in doubt of XXXX 's promises, then I wrote a letter stating our agreement as the only condition for accepting and negotiating my cashier 's check payment.and make a copy of the letter enclosed with the payment to Lending club, and they cashed the payment and failed to fulfill their conditions.See the attached copy.
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01/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with additional add-on products or services
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Web |
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This letter is in reference to my poor experience with Lending Club 's customer service operations, from the loan application submission on XX/XX/XXXX to date.
On XX/XX/XXXX, after submitting the corrected documents requested around XXXX, the same day near XXXX I received an email from Lending Club to upload the same documents that were already submitted.
I then called Lending Club customer support to clarify the confusion. I called in around XXXX and spoke to a representative who stated he would note my account the specifics of me being self-employed, not possessing a W2 form, and having submitted all equivalent documents requested. As well as the representative verbally confirming my address information.
However, at XXXX I received yet another email from Lending Club to upload again my : 1 ) W2/Year-end pay stub 2 ) The 1099-MIsc 3 ) Address document Upon calling XXXX XXXX customer service again, I spoke to a female agent who referenced the notes from the previous representative I had just spoken to. In the end, she confirmed again all documents are in receipt, and the email repetition were more than likely due to a systematic error.
Nonetheless, the disorder continues, as I receive a missed call from Lending Club on XX/XX/XXXX early afternoon. I called customer service only to be informed from the representative, Lending Club is requesting 3 documents.
When addressing this will in fact the 3rd time Lending Club is asking for the same 3 documents. The representative again apologized for the confusion, confirming yet again documents have been submitted.
From XX/XX/XXXX to date, this issue was never resolved nor addressed. Instead, after Lending Club received my grievance complaint letter on XX/XX/XXXX, regarding their disorderly customer service I've experienced for over 2 weeks. Instead on XX/XX/XXXX, Lending Club 's response to me was denial of my application.
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08/16/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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I was approved for a loan in the amount of {$16000.00} in XXXX XXXX and my first payment of {$370.00} was deducted from my XXXX account in XXXX XXXX. Loan # XXXX I was automatically set up on automatic withdrawal payments and was told that I would be able to remove the automatic withdrawal payment option in the future if I wanted.
What was not disclosed to me was that if I removed the automatic withdrawal from my account, I would be assessed a {$7.00} fee for each payment I sent the company. After closing the XXXX account, I send payments thru XXXX XXXX Bill payment system to the Lending Club.
XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX I have received two ( 2 ) emails from the Lending Club telling me that they do n't accept partial payments. These are not partial payments as they are sent to The Lending Club prior to the due date. They are attempting to force me to pay only once ( 1 ) a month. This is a Simple interest loan. I have been bombarded with emails stating that they will apply my payments as " principal only payments '' and force me to pay the payment of XXXX as it is still due.
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07/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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RE : LendingClub XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX Good day Sir/Madame, Principally, I hold that this 'loan ' was distributed in an illegal manner.
On XX/XX/XXXX, I was 'given ' a 'loan ' amount from the aforementioned entity. I have met all re-payment stipulations up until XX/XX/XXXX. I was 'given ' this 'loan ' amount under bizarre circumstances. Whilst I had gone through the majority of the prescribed qualification process, I had not completed it, yet this loan amount appeared in my bank account whilst I was overseas, attending to family matters.
As mentioned earlier, I have up until now met a re-payment criteria instituted by the LendingClub. However, at this time, I have been only fully able to distill the entire circumstances of this 'loan ' ; I have been absolutely engaged with bereavements of a sibling and parent over the past few years amongst other issues. Whilst I fully intend to honor any fair and reasonable obligation, I propose that this 'loan ' fails to meet that criteria, as i did not fully complete the approval process, yet was debited with a 'loan ' amount.
Upon reflection, I have come to the conclusion that this 'loan ' has predatory characteristics. It has an extremely voracious interest rate. The ratio of payment applied to interest over principle is egregious. Also, as an XXXX-American, I statistically and historically, belong to that group whereby these type of predatory instruments have been targeted. I would like to have the 'lending ' process for this 'loan ' meticulously reviewed in detail. I am willing to meet a fair and reasonable obligation. LendingClub has been made aware of my position via telephone conversation. They have presented an unwilling interaction insofar as discussing the matter.
I would be most grateful for any advice or assistance that you can provide for this complaint.
Thank you.
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03/07/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Disputed : XXXX/XXXX/XXXX CFPB : Lending Club Corp & XXXX XXXX XXXX XXXX Account : XXXX In XX/XX/XXXX I contracted the services of XXXX XXXX XXXX, XXXX a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is : Lending Corp with an balance of {$15000.00}.
I have just completed my accounting for tax purposes and found that I have paid {$600.00} to the creditor via the consolidation program and my balance now due is {$15000.00}.
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last ( 6 ) months and have not been able to receive a response to any of my communication.
On XX/XX/XXXX I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC and it has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed.
My direct offer of installments payments to the creditor made on XX/XX/XXXX for the remaining balance was declined by the creditor of which I am grateful,, my financial accounts highlights that the reporting balance is incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed.
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.
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06/02/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
Older American, Servicemember |
XX/XX/XXXX : Had received several " Pre-Approved Loan '' mailers from the Lending Club, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX indicating I ( & my wife separately, on separate mailers to her individually ) was pre-approved for a personal loan of up to {$35000.00}. The mailer was sent to me, specifically, with a specific " RVSP CODE '' and a " Respond By '' date inXX/XX/XXXX. We each have received 3 of these mailers in the past few weeks, with different RSVP CODES and later " Respond By '' dates. OnXX/XX/XXXXI submitted an application online to the Lending Club website " XXXX '' for a loan for the purpose of paying off existing credit card & other debt & consolidating into one loan. The site said I would be considered for any loan amount ( {$35000.00} or less ) for which I qualified.. My financial situation had not changed at all between the time of mailing the offer and my application online. Almost immediately I received a reply that " Unfortunately, we are unable to approve your application. '' Not an approval for a lesser amount than the {$35000.00} stated in their letter, but a total rejection of any loan at any amount! The stated reasons were standard " ratio of balance to limit on bank revolving or other rev accts ( sic ) too high '', etc. However, all of this information should have been available to the Lending Club at the time the " Pre-Approved Loan '' mailers were generated. I believe these mailers represent a " deceptive lending practice '' or a data-fishing practice, whereby lenders induce citizens to provide their personal information, including income, and then deny the application with no obligation to the lender. I called Lending Club and spoke to a customer service person, who offered only a standard response that my credit situation might have changed after the mailer was sent out. As I stated to her, this was not the case.
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02/15/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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I have had continual issues with a company called Lending Club Corporation. They are located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX. They had sent me an email stating I was denied credit on XXXX/XXXX/15. I received that notification on XXXX/XXXX/15. I looked up this company to see if they were legitimate, XXXX stated they were and supposedly they have a A plus rating with the XXXX. However when I wrote to them to tell them that I did n't apply for any loan they stated that if I felt like I was a victim of fraud then I needed to file with the FTC which I did, file a police report which I did and do an affidavit so they could share only with the police dept. When speaking with the attorney generals office, they said they can understand not speaking to me, but their stalling tactics with speaking with the police department raise a red flag. They were mailed an affidavit with all the info they required including my license and a utility bill. The were faxed the affidavit which they supposedly ca n't find and they were emailed the affidavit where I forwarded it from what the police dept sent me to their consumer advocacy group that required it. They continually get my affidavit yet they claim they do n't see it yet they did get the officers police report as they called him to tell him they ca n't discuss anything until they get the affidavit. I 've sent it 3 times to the address above attention fraud dept. they have it via email. All they do is stall and play games saying they do n't have it when there 's proof they do. They seemingly do n't want to speak to the officer either by using these stalling tactics. If they 're Legitimate and are n't phishing for info themselves then why are n't they sharing who applied for a loan in my name? Need help getting them to talk to the XXXX mass police officer that did the fraud report up. Thank you.
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10/01/2020 |
No |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
On XX/XX/2020, I contacted Lending Tree, Inc to request that a monthly payment be delayed or consideration given to reschedule the that monthly payment. Specifically, I requested some additional time to make the payment because I have been unemployed since XXXX, but have managed to pay each month on time utilizing the Automatic Clearing House ( ACH ) Debit feature on my account despite the fact that I never authorized automatic ACH payments each month. Over the phone, the agent stated that the payment of {$1000.00} for XXXX ( usually taken on the XXXX of each month ), could be taken as late as XX/XX/XXXX. I specifically asked if I would have to make two payments in XXXX due the delayed payment for XXXX. I was told that I would not have to make this payment and I assumed based on the current pandemic that lending groups were willing to exercise some flexibility with regard to repayments. I also specifically stated at least three times during the call, that I needed to be sure that if I was going to delay the payment that the automatic ACH payment usually occurring on the XXXX of each month was rescinded/cancelled and would not be taken from the account. The agent stated that this was true : no payment on XXXX would be taken. I checked my checking account from which Lending Tree draws today, XX/XX/XXXX and discovered that the account had been debited {$1000.00}. This ACH occurred without my permission. This despite numerous assurances that no payment would be taken on XX/XX/XXXX. I called today and was told that the agent had not rescinded the automatic ACH payment feature and that two payments would be required to keep the account current in XXXX. In sum, Lending Tree authorized an ACH transfer from my personal checking account, received the funds, currently has control over the funds, after my permission to transfer for these funds was rescinded.
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01/19/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Please be advised that Lending Club Corporation is a loan broker, that three years ago I acquired a loan from XXXX XXXX XXXX through Lending Club Corporation. Lending Club Corporation is a broker only, and when the loan went into default, the principal owner known as XXXX XXXX XXXX - XXXX sold all rights to the debt to XXXX XXXX, XXXX. This loan was used for completion of a real estate project only, with a partnership that did not work out financially. XXXX XXXX XXXX exercised its right to protect its investment through legal channels, and through my legal representative the debt was settled for a cashiers check of {$12000.00}. My position is quite firm, when the original debt was sold from XXXX XXXX XXXX XXXX to XXXX XXXX, XXXX Lending Club Corporation lost all of its rights to maintain a credit rating position with all pertinent credit bureaus, XXXX, XXXX and XXXX XXXX respectively through a U.S. Supreme Court decision Henson v. Santander Consumer USA Inc. Third party transfers VOIDS all rights under the Fair Debt Collection Practices Act, which disconnects all rights to maintain the credit payment history or the content of its history with the Fair Credit Reporting Act. Accordingly, Lending Club Corporation must delete my entire file and purge its content permanently. My rights are in violation at this time and from my research the XXXX XXXX XXXX XXXX has a right to intercede. Therefore, this reference on my personal credit report must be deleted immediately and permanently. I have referred my complaint to all credit bureaus to advise them that Lending Club Corporation is in violation of their subscriber agreement with all credit bureaus, and should be sanctioned by the Consumer Financial Protection Bureau for this serious offense. Lending Club Corporation must delete and purge my file with all pertinent credit bureaus, period.
XXXX XXXX
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01/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
Servicemember |
On XX/XX/XXXX, I submitted an initial complaint with the Consumer Financial Protection Bureau in regards to Lending Club 's billing practices. During my XX/XX/XXXX telephone call to Lending Club, the representative told me I was not able to change my due date without paying two payments within the same month. When I advised her that I wouldn't be able to do this, she asked if I wanted to cancel. I acknowledged yes. Despite requesting the cancellation of the due date change, the due date change of the XXXX is still active and Lending Club online payment portal is requesting for me to make two payment 's, one for XX/XX/XXXX and one for XX/XX/XXXX. The purpose of this due date change was for me to act in good faith of making on time payment 's to Lending Club. As expressed on my call on XX/XX/XXXX, my current pay schedule does not allow for me to make payments on the XXXX of each month. I spoke with a second representative on XX/XX/XXXX that advised me of the same requirement of having to make two payments in the same month. Lending Club responded to my initial CFPB Complaint filed on XX/XX/XXXX, acknowledging that the information I received was incorrect but my concern is how many consumers has Lending Club not allowed to change their due date and inadvertently reported late to Credit Bureaus because of this incorrect information. If the information is found NOT to be true, then why is it causally rehearsed as a Guideline and asked of the Consumer to acknowledge when attempting to make the due date change? Lending Club billing practices are subject too much scrutiny and will be reported to the Attorney General following this complaint.
Please note another attempt was made to cancel the due date change on a subsequent followup call XX/XX/XXXX and to date, I am still required as per Lending Club 's online payment portal to make two payments.
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08/03/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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Web |
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Dear official, I exhausted every avenue with Lending Club Bank ( formerly XXXX XXXX ) to get my money into my personal account. I emailed and called more than 10 times and all I got are responses " we will escalate this '' or " it was forwarded '' but it was not resolved. People that were giving me run around are supervisor XXXX, XXXX, XXXX, XXXX, and many others.
Briefly, my father wired me {>= $1,000,000} ( Eur XXXX ) on XX/XX/2021 ( XXXX XXXX from XXXX wired money via XXXX XXXX in XXXX ) from XXXX that ended up in Lending Club Bank account at the XXXX, Lending club account number : XXXX. Lending CLub Bank uses XXXX as an intermediary bank for international transfers. At one point, Lending Club Bank, notified me how money is not there. When money was not returned and the initiator performed detailed investigation, it was confirmed that money was wired to Lending Club account at XXXX. In addition to that, XXXX officials found my money to be in the Lending Club Bank account. Since I lost all trust into Lending Club Bank, this money should have been re-routed to my final private account at XXXX ) - but it never ended there. The {$34000.00} is still sitting at your XXXX Lending CLub Bank account # XXXX. Lending Club Bank recently started to give new run around by telling me that no-one is responding at XXXX. After asking three times, Lending Club Bank never responded to me who at XXXX did they contact or is not responding. I believe I was patient enough and it seems that Lending Club Bank simply stole my money. As an example, in normal circumstances, once money is not delivered it would bounce back within a week, which did not happen. I even decided to close my account after realizing that I am given the run around, but even then money did not bounce.
I have all the documentation and account numbers if needed.
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08/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I refinanced my car through lending club and lending club used XXXX XXXX XXXX as the lean holder. I signed all paperwork and they sent a pay off check to XXXX the original lender. With the refinance I was promised lower interest and payment. I received notification from lending club to stop paying my previous lender. About a moth later on XX/XX/2019. I went outside and my car was gone. After dealing with local authorities because I had no cue the car was up for repo come to find out. XXXX had the car repoed because the payment where behind. I had never been late on a payment until lending club told me to stop paying them. I called XXXX to find out exactly had happed and lending club send the pay off check {$700.00} short so XXXX did not cash it they held it. I then figured lending club would correct this issue and recover the car. No thats not at all what happened. After working my way up the chain of command what they chose to do was cancel the loan as if it was never issued and let me cover the repo cost. Well I can not afford the amount of money that XXXX wants for me to recover the car. I dont understand why no one sent a letter explaining the shortage of the payoff check and I could have paid the difference before it got to the point it is now. XXXX claims they sent a notice of repo but I never seen anything. They both claimed to have called but no voice mails left and I receive 50 calls a day for telemarketers so I cant possibly answer the phone every time I dont recognize the number. I feel that lending club should have paid off the difference and just modified the condition of the loan to include the new amount. Now my car is going to be sold off in some auction. Please help me before that happens I am also seeking legal counsel and hopefully can also repair the damage they have done to my credit as well.
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01/03/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hello Sir/Madam, Company involved : XXXX XXXX XXXX XXXX, XXXX XXXX, myself Issue : XXXX XXXX XXXX XXXX provide cosmetic service to their clients related to growing hair by selling service and products. I end up walking into their XXXX location where sales person describe me their service and asked me to sign formal agreement if i choose to continue with the service. I did sign document but realized with current medical situation I ca n't take chances with any chemical products provided by them. so i changed my mind and did n't visit their center at all.
As per agreement they charging upfront approximate {$2000.00} amount to bank and Bank called me with payment of XXXX, with my dispute to them they gave partial refund and as per current statement I still owe XXXX amount ( interest included subject to increase with delay ). When Bank called me for XXXX amount, i asked bank i never got physical card under this agreement and you taking this service as credit service, can I see itemized amount of XXXX where it been used? Bank gave me lame excuse - " We cant provide details of the transaction " even i can login to the credit card statement.
XXXX XXXX not giving refund of the credit line they opened with bank under my social security, and being as consumer i do n't have rights to know what 's going on with the credit line between Bank and XXXX XXXX.
Please help me to resolve the issue, i did n't use penny service from the service provider due to medical reason, they did n't give full refund and bank asking me for payment with my question to them about transaction detail they could n't answer me back.
I feel harassed, continued call from " XXXX '' with the lame excuse from them " they ca n't provide details on credit line transaction due some reason they did n't give me reason either. " Thank You XXXX XXXX
|
04/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
XX/XX/XXXX - I signed a settlement agreement with Lending Club. It was agreed {$7600.00} of {$11000.00} owed was acceptable by Lending Club. Monthly payments were made and the final payment was made to Lending Club of {$3700.00} in XX/XX/XXXX. The balance was requested by me and I have an email from Lending Club with the {$3700.00} amount as the balance left to pay. In XXXX, Lending Club did report a charge-off on my account in the amount of {$3400.00}. Since then, I am not exactly when they changed the balance to XXXX and kept the status as charged-off.
XXXX - I received correspondence from XXXX XXXX XXXX stated that I owed {$3400.00} to XXXX XXXX XXXX and the original Creditor was XXXX. ( It was Lending Club that I had the account with. I had never received any correspondence with the Creditor name as XXXX. ) They were offering a settlement agreement for me to pay {$1700.00} of the {$3400.00}. XXXX opened a new account in collections with the 3 credit bureaus and a balance of {$3400.00} as of XX/XX/XXXX. They have continued to report 30 days late each month because I refused to settle on an amount that had already been settled with Lending Club.
XX/XX/XXXX - I received correspondence from XXXX XXXX XXXX, stating they were verifying the debt and will be servicing the debt for XXXX XXXX in the amount of {$3400.00}.
XX/XX/XXXX - I sent a certified letter to XXXX XXXX XXXX, explaining that the debt had been settled with Lending Club and the XXXX should be removed from all three credit bureaus.
XX/XX/XXXX - I received a letter from XXXX stating they would be looking into my inquiry.
As of XX/XX/XXXX, I have not heard anything from either Company. However, the XXXX is still on my credit report in collections and they continue to report late each month.
Thank you for any help you can provide.
|
07/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
Hello! The company " Lending Club '' has sent me WARRANT IN DEBT ( CIVIL CLAIM FOR MONEY ). This is the first time that the company has contacted me about this debt. I contacted the company on XX/XX/XXXX at XXXX XXXX and informed them of the inaccuracies in the debt and that they did not contact me prior to filing a judgement to collect any debt owed. I have been disputing this debt due to the inaccurate information on the debt that is being reported. The creditor I spoke with stated that I owe {$18000.00}. Which is inaccurate. On my credit report it states I owe {$20000.00} which is also Inaccurate. On my credit report it shows that I have made consistent payments from XX/XX/XXXX to XX/XX/XXXX. If I have made consistent on time payments for 12 months in the amount of {$430.00} a month. How is it that I still owe {$20000.00} which is exactly what I borrowed? The FCRA states ; " EVERYTHING SHOULD BE ACCURATE ON YOUR CREDIT REPORT ACROSS ALL 3 CREDIT BUREAUS OR THE ACCOUNT MUST BE DELETED IMMEDIATLY. '' XX/XX/XXXX I was laid off of my job due to covid-19 and I missed XXXX payment. I did express this to the creditor " Lending Club ''. Lending Club informed me that they did not have any forbearance options at that time. Due to THE CARES ACT On XX/XX/XXXX, the United States congress passed the Coronavirus Aid, Relief and Economic Security Act ( CARES Act ) to help Americans during this uncertain time. Among other things, the Act is designed to help protect my credit during the pandemic. CARES Act Period- Requirements apply to certain consumer account payments made between XX/XX/XXXX and the later of either : 120 days after XX/XX/XXXX or 120 days after the national emergency concerning COVID19 ends.
The disputes attach below were sent to all 3 credit bureaus and the creditor 'LENDING CLUB ''.
|
10/09/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
Hi and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
|
02/23/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
I submitted an application for a personal loan of {$25000.00} on XX/XX/2021. LendingClub requested several documents from me and after some back and forth all the nescessary documents were submitted. On XX/XX/XXXX they requested I print out and complete a 4506-T form with a wet signature. I then provided a scanned copy of this document to them by XX/XX/XXXX. At this point they then requested I E-sign a 4506-T form. As this was a bit confusing I called the LendingClub hotline, XXXX to confirm that they now needed an E-sign 4506-T. The rep looked at the account and told me there was a hold on it because the scanned copy of the 4506-T was marked as " not legible or cut off '' she reviewed it did not see why that hold was on the account as the document we legible and not cut off. She informed me that she approved the documents and to go ahead and E-sign the 4506-T, she said nothing else was required from me at this point. This was completed on XX/XX/XXXX. At this point in time there was no more communication from Lending Club for outstanding documents. On XX/XX/XXXX XXXX received the adverse action notice stating " You did not provide the documents we requested to finish reviewing your application. '' So on or about XX/XX/XXXX I called again into the hotline and spoke with someone who could not provide any more details beyond the notice so I asked for a manager. No manager was available so they said I would receive a call back. It is now XX/XX/XXXX and I had not received a call back so I called them again. After 30 minutes on hold with an agent waiting to speak to their manager and credit department I was told I was being transferred and if the call dropped they would call me back on my number. Of course the call was dropped during the transfer and I have not received any call back.
|
03/26/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American |
Lending Club agrees to allow customers to make payments securely through their website. They performed system maintenance over the weekend of approximately XX/XX/2020. Since that time the payment system has not worked and not allowing payments to be made by the consumer. The website as of XX/XX/2020 still will not allow secured electronic payments. They send harassing emails daily threatening late fees if you do not call a number or send confidential payment including banking information in an unsecured email. They also try to trick the consumer into giving them the same confidential information over an unsecured phone system. I spoke with 'XXXX ' who tried to force me to give her the same confidential information over the phone without a guarantee the information would be secured. I insisted they fix their website so I have the protection of my bank and Lending Club accepts liability for any fraudulent access to their systems. They refuse. I have contacted them 4 times via their message center and twice by phone. 'XXXX '' has no operator ID or any other proof she works for Lending Club to give the consumer the assurance the information will not be violated. Lending Club has in the past violated payments by processing them late or too early so they can assess fees. They are trying to impose fraudulent late fees because their payment system is not working. According to the XXXX XXXX XXXX, payments sent by check are often not processed on time resulting in more late fees imposed by Lending Club. I am trying to schedule a pay off of the loan however they will not fix their website to allow for the payment to be made and an immediate confirmation received. This company operates by intimidating consumers and assessing late fees by shutting down their electronic payment systems.
|
02/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
Lending Club is incorrectly reporting on my XXXX credit report as 90 days late in XXXX and XX/XX/XXXX. XXXX Lending Club loan number is XXXX. This reporting is inaccurate, I was in a hardship plan for XXXX and XX/XX/XXXX, see attached. XXXX XXXX XXXX wrongly returned my XX/XX/XXXX payment when funds were deposited for the proper amount, see deposit slip. As stated by a Lending Club representative to the XXXX on XX/XX/XXXX, the payment for XX/XX/XXXX was put to the back of the loan. However, when I found out that XXXX XXXX XXXXXXXX returned my XX/XX/XXXX payment, I called Lending Club immediately and had to force a customer service representative to take my payment for the returned XXXX payment because they were not accepting it. This payment for XX/XX/XXXX was done on XX/XX/XXXX. On XX/XX/XXXX I made a payment for {$1400.00}, this payment was for XXXX and XX/XX/XXXX, they were not 30 days late, the extra amount was intended as an additional amount to pay off of the loan. I am attaching payments that were complete from Lending Clubs web site, Lending Clubs response to my XXXX complaint, my XXXX XXXX XXXX completed Lending Club payments, Lending Club hardship agreement, XXXX XXXX XXXX deposit slip for XX/XX/XXXX, a current page of an XXXX report of Lending Club reporting. I am including all of this just in case Lending Club tries to report me any other month late that is incorrect. If you look at Lending Clubs response on the XXXX complaint, Lending Club assumes my payment on XX/XX/XXXX was for XX/XX/XXXX, no it was not, my XX/XX/XXXX telephone payment was for the returned XX/XX/XXXX payment as I stated to the customer service representative, XXXX on XX/XX/XXXX. XXXX payment was deferred before the hardship agreement and is wrongly being reversed.
|
10/19/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American |
XXXX/XXXX/XXXX Loan # XXXX XXXX XXXX : ( approved ) Loan # XXXX XXXX XXXX : ( denied ) To Lending Club lending team : I am filing a written a compliant with Consumer Finance Bureau ( CFPB ) about your deceptive marketing and lending procedures. In the meantime, perhaps you should explain to me as to why the Lending Club awarded a loan to me in XXXX which I have paid off after making ten payments. For past several months you 've aggressively used your marketing approach toward me and defined me as a well qualified borrower and you wanted to do more business with me. Essentially you made me to apply for another loan at this point in time and than I was told by Lending Club that I now do not qualify!
There are visible discrepancies in your criteria for lending that is disturbing. Whatever, my financial ability and credit score is today it is most definitely higher than when you used it to award me the first loan in XXXX.
Did you just give a loan to unqualified borrower so, you the Lending Club could make his 6 % fee? Let 's find out?
Additionally, your deceptive emails say that going through applying for another loan would not affect the borrower 's credit. I sure hope that it did not affect mine! Or that 's another untruth statement from your company that add fuel to the fire.
As matter of courtesy, I will allow you 2 working days for your compliance people to investigate this issue and respond to me in writing with your reasonings. Also return my personal documents before I contact CFPB. By the way, I am determined to get to the bottom of this matter even if I have to retain a legal council.
Please do not send me standard artificial apology letter for all the inconvenience that you have caused me. That wo n't work!
XXXX XXXX ( XXXX XXXX XXXX
|
05/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
On or about XX/XX/2021, The LENDING CLUB reported me as having a LATE payment. I was on a deferred status due to covid-19 and there was a lot of confusion on the terms of this deferred status. I contact LENDING CLUB and inquired about why they reported me as late. I was told by a representative that there should not have been a late payment reported to the credit bureau as ALL MY PREVIOUS PAYMENTS have been on time and reported on time as it should be. This was supposed to have been 'escalated ' and a manager call me back or email me. No one has responded. I reached out to LENDING CLUB again today XX/XX/2021 and a representative said the problem was resolved and they will NOT be removing the error to my credit report. NO ONE REACHED OUT TO ME. I asked for a re-review of this and I am requesting this negative mark be removed IMMEDIATELY FROM MY CREDIT REPORT! This has impacted my life negatively and also any prospect of me securing a loan to move. The CARES act was not followed accordingly by LENDING CLUB and i want an investigation to be opened on my behalf. LENDING CLUB is not following regulatory and compliance guidelines. I am requesting resolution and my credit report to reflect my payments have all been timely. Please remove this negative reporting from my credit immediately. I have paid all payments ON TIME EVEN ALL THE DEFERRED PAYMENTS LENDING CLUB HAS REQUESTED I PAY UPFRONT. I now believe I have been discriminated against as a woman and a woman of XXXX background. I am also a woman of a small minority owned business and I have been affected by the covid-19 pandemic to which this has cause great physical, emotional and economic suffering to me and my family. LENDING CLUB has violated the law and this needs to be corrected immediately.
|
05/05/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I contacted Lending Club in XXXX to provide them with my new checking account for payment processing. The representative assured me that she changed the checking account on my Lending Club profile and that payments would start drafting from my new account. After almost two months, I realized that all payments were not going through and I was late, with XXXX Dollars in fees, and a late payment reported to credit bureaus. I was never late prior to this incident, and have not been late since, but have ALWAYS had issues with their call center, including unauthorized payment drafting and constant misinformation. Today I spoke to XXXX in Payment processing who refused to provide me her last name. She told me, " rest assured, we had serious issues in our call center but after investigations all representatives were terminated. '' I explained to her that I do not care about her employees, or the health of Lending Club 's operations, but that her admitting of these issues is frightening, as it serves no justice to the customers you've repeatedly taken advantage of. I now have a negative remark following me for the next 7 years. She is now searching for the call because she needs, " proof '' that the representative said she changed my payment account. I have always had the money each month to pay lending club, why would I purposefully not pay my loan and go through months of XXXX between the CFPB, Bureaus, and this erroneous and irresponsible lender while also have {$45.00} dollars in unjust fees and a late remark? Somebody at the CFPB, I am begging you to have mercy and do a diligent investigation into this abusive company. She can not find the call recordings because, like all other business areas, their QA and Call-Center management is sub-par.
|
03/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American |
I have an installment loan with Lending Club. For the last few months I have been making more than the minimum payment. Thereby reducing the principal each month. This has reflected in a reduction in the interest I owe them per month. On XX/XX/XXXX of this month I added {$600.00} more to the payment. I always call in the payment to instruct them to reduce the principal with the added money I am committing as I did on XX/XX/XXXX. The phone call is always prefaced by a recording which states that the phone call is being recorded and it is an attempt to collect a debt. As always I instructed the agent to apply the additional payment to the principal and I would be making XXXX 's payment as scheduled. She acknowledged the same. The following day I checked to see how much of a reduction in interest there was based on the prior months additional principal payment. To my surprise I saw that lending club took it upon themselves to pay XXXX 's payment and hit me with a whopping {$270.00} interest charge instead of an approximated {$180.00} charge.
I immediately call them on XX/XX/XXXX. After 1 hour and 21 minutes on the phone with them after being transferred to 3 other people I was advised it would be corrected in 24-48 hrs. I called on Friday XXXX XXXX after waiting 52 minutes in a queue, I was advised that it was approved and would reflect no later than Monday XX/XX/XXXX. After checking on Wednesday XX/XX/XXXX I saw nothing was done. I called again and was told the only option I had was to make an additional payment but the interest would not be refunded or adjusted accordingly.
I have since checked their reviews and come to realize after the fact, that this is customary with this company. It surely smacks of fraudulent business practices.
|
11/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
On XX/XX/2021, I received an email from my bank, LendingClub, informing me that my account was locked pending further review. After calling customer service, I was told that the account was locked due to ACH transfers between accounts with different owners. Specifically, ACH transfers between my mom 's XXXX XXXX XXXX Account and my account at LendingClub.
In order to unlock my account, I was informed by LendingClub that I needed to add my mom 's name to my Lending Club account. I and my mother agreed. On XX/XX/2021, both my mother, and I received docusign emails which added my mom 's name to my LendingClub account. All documents were signed and returned to LendingClub on XX/XX/2021.
On the same day the documents were signed, XX/XX/2021, I sent an email to LendingClub asking for a status. No response was received. I sent several follow up emails, but still no response was received. On XX/XX/2021, I called customer service to get a status update. I was told that my account was still under review. I was further told there was nothing more needed from me, and the matter would be elevated to " urgent ''.
I subsequently called LendingClub every single weekday, including today, to get a status. Each time, I was told there is no new status, that the matter will be elevated to " urgent ', and that I would contacted shortly. To date, nobody has contacted me, which is why I continue to call daily.
At this point, LendingClub has had my account locked for almost a month without any explanation. There is a relatively sizable sum deposited in my LendingClub account. Locking me out of my account as resulted in some serious financial consequences to me and my family. Unless this is resolved very quickly, my family may suffer irreparable damage.
|
07/31/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
I called this company I explained to them that the lending club loan that I had was supposed to be vacated because I am on Social Security XXXX and needs-based aid all other companies that I had had to file this with because I have become unemployable for quite a long time had taken the steps to dissolve the debt and to write it off this company purchased this debt from the lending club loan company and is trying to illegally collected from a Social Security recipient Once you have been provided the proper documentation you were supposed to file as far as I understand to have the debt absorbed and you send the proper tax documentation so that I am able to file it on my taxes every other company other than the Lending Club has taken the steps to do this and they were sent to the proper documentation showing that I am a needs-based aid right now and that that has not changed I feel I am being taken advantage of by a company who is using scare tactics and I believe that they should be put out into the world so that people know these practices are not legal and that they are Once you have been provided the proper documentation you were supposed to file as far as I understand to have the debt absorbed and you send the proper tax documentation so that I am able to file it on my taxes every other company other than the lending club has taken the steps to do this and they were sent the proper documentation showing that I am on needs-based aid right now and that that has not changed I feel I am being taken advantage of by a company who is using scare tactics and I believe that they should be put out into the world so that people know these practices are not legal and that they arePracticing actions that are considered against the law
|
12/13/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
I have a loan with XXXX, which when first acquired the loan was told it would be easier to get additional loans and refinance for better rates. I have gotten lots of mail from them stating I was pre-approved for a new loan or to refinance. Today I decided to refinance my loan which is at XXXX % since I have not missed any payments, my credit has gotten better altogether and I have more income. The loan, which I was pre-approved for, was denied for insufficient number of satisfactory payments on my existing loan. The original loan taken out in XX/XX/2015 has almost 2 years of payment history and just over 1 year left with most of the balance paid. I have never missed a payment to date or been out of the grace period. Lending club could not answer several questions for me. If the # of payments is insufficient then why am I getting pre-approvals for a refinance? What is the required number of payments since I am XXXX 's done with them? I was told that they do n't have a specific number of payments but that every loan is different.
This may also be a high interest lender just advertising low rates. They take investors money at XXXX % ( per website ) and make loans at XXXX % APR ( per website ). I do n't know of any borrower from them that is receiving rates below 10 %. They must make a profit as well but if they get their profit by not offering better credit borrowers the advertised low rates then its false advertising.
I feel that this is being done to keep me locked in my loan at XXXX % interest rate, XXXX APR. With me in a better position then when I got the loan. I believe its either false advertising and discrimination to keep credit challenged individuals locked in to high rates even if their credit improves.
|
12/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
I have a loan with Lending Club and got a little behind due to Covid. I called and scheduled 4 payments on XXXX to catch up my loan. Instead of deducting 4 payments, they deducted 6 ( XX/XX/XXXX, XXXX payments, XXXX, XX/XX/XXXX & XX/XX/XXXX ). This has created an incredible financial hardship. I called and was told they would refund my money since it was unauthorized. I waited and it never came. I called again and again was promised it would be refunded. I called again a week later to check on status ( it's now been 3 weeks and over 5 hours of my time trying to correct their error ), and was told my request was denied since I scheduled 4 payments and they took 4. Unfortunately I didn't have my records on me so couldn't properly dispute their claims. Once I got home, checking my bank statements, I discovered that they not only took 4, they took 2 more WITHOUT MY KNOWLEDGE OR PERMISSION. I called immediately and was told that it would be researched and they would call me back, which they never did. Besides the fact that their representatives and supervisors are XXXX rude and completely unprofessional - what they did was illegal and without my consent. With these additional payments, I am now paid through XX/XX/XXXX ( per their statements ). I want my money refunded NOW. 2 payments of {$1000.00}, so {$2100.00}. This is shady business practices, at best. ANd when confronted with their error, they chose to use abusive tactics to deflect from their mistakes- all in an effort to keep two months of my payments. I am sure I am not the only one ( nor is this the first time they have done this to me personally ). What a racket! They must be earning a TON of interest at our, the consumer 's, expense. It's shameful.
|
02/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
Lending Club, loan number XXXX, reported to XXXX that my account was 30 days late in XX/XX/XXXX, this reporting is inaccurate. I was on a hardship plan for XXXX and XX/XX/XXXX, see attached. XXXX XXXXXXXX XXXX wrongly returned my XX/XX/XXXX payment when funds were deposited, see attached deposit slip. As stated by a Lending Club representative to the XXXX on XX/XX/XXXX, the payment for XX/XX/XXXX was put to the back of the loan, it was deferred, see XXXX letter. However, when I found out XXXX XXXX XXXX returned my XX/XX/XXXX payment to Lending Club, I called Lending Club. On XXXX/XXXX/XXXX I was informed by Lending Club they were not going to put my payment through again, I asked customer service representative, XXXX to take my payment for the returned XXXX payment. The payment made to Lending Club on XX/XX/XXXX for {$1400.00} was for XXXX and XX/XX/XXXX, I added extra money to get my loan amount down, see attached. Please note on the XXXX XXXX response to my XXXX complaint, XX/XX/XXXX Lending Club stated that I paid XXXX payment on XX/XX/XXXX, when in fact I called in a payment to XXXX on that day for my XXXX payment that was returned. Lending Club contracted themselves, they state in the XXXX response that XXXX payment was put to the back of the loan, which was correct then they assumed that my XX/XX/XXXX payment went for XXXX. Also, XXXX payment was deferred, see hardship agreement attached. Lending Club is not to report me late in XXXX or XXXX, I am enclosing my XXXX report where it shows the inaccuracy, XXXX response from Lending Club, XXXX XXXX XXXX payment history for the late in question, XX/XX/XXXX, XXXX XXXX own payment history of my loan, XXXX XXXX XXXX XXXX XXXX, hardship agreement.
|
07/17/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
I had a loan through them prior. So I logged online to do the no inquiry rate check on a new loan. I put all my info in and it said I was approved. The rate was too high for my credit score so I decided not to go any further with the application. It was also asking me to upload my paycheck stub to proceed any further. Which I did not do. Then a few days later LendingClub deposited the funds into my account! Come to find out buried in the phone book of size 1 font disclosures, just by checking my rate from the invitation they mailed me, they had singed a promissory note on my behalf, waived proof of income and proceeded to financially XXXX me and deposit funds into my account. I sat on hold twice for over an hour before finally hanging up. I sent 20+ emails to XXXX and XXXX. I asked them to immediately cancel this loan I did not consent too and was told I had to pay back some XXXX dollar hidden fee I didn't even know about! Finally someone named XXXX emailed back and said they would cancel the loan. They took the deposit back out of my checking account but when I log into lending club it still shows I have two payments remaining for XXXX dollar fee theyre trying to charge me. This is crazy. You call and they say you have to talk to customer service where you sit on hold for eternity. I have emailed multiple times and they keep saying they're working on it. It's been 5 days! This is so wrong what they did. I work in finance.. think of all the people that don't know any better and lendingclub just gets away with it. There are so many FTC/UDAP violations they're breaking here. Please help me get this loan I did not consent to canceled and ensure they don't do this to unsuspecting people in the future.
|
12/17/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
After paying off my {$15000.00} loan in XXXX, I have continued to receive regular emails and phone calls from Lending Club.
There is a {$27.00} late fee that the phone callers are ostensibly trying to collect on, but more at issue are the deceptive emails " reminding '' me to make my regular monthly payment of {$520.00}, and that my balance is " past due ''. Here is an excerpt from their most recent email, but they've all been of a similar form : -- - Dear XXXX, Your account is now past due in the amount of {$520.00}, and we have been unable to reach you. To help you avoid additional fees and damage to your credit history, please call our office toll-free at XXXX XXXX XXXX XXXX today!
-- - I've received emails in this manner on - XX/XX/XXXX & XXXX - XX/XX/XXXX, & XXXX - XX/XX/XXXX, XXXX, XXXX - XX/XX/XXXX, XXXX, XXXX To further compound the problem, over the past several months whenever I've tried logging into my online account to see what the fuss is about, I'm met with the following message : " Due to maintenance, your loan information can not be displayed at this time.Please try again later. '' I spoke with a Lending Club agent earlier this afternoon about the issue and while she advised I pay the late fee and ostensibly be done with the problem, I believe their practice of sending emails with misleading statements regarding incorrect account balances is at the very least a dubious business practice and indicative of potential underlying issues with the software that manages their loans, and depending on whether other borrowers have acted on those incorrect statements and remitted payments beyond what was due on their accounts the aforementioned actions of Lending Club may amount to fraud.
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01/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Struggling to pay your loan
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Web |
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I recently was bombarded with emails from LendingClub a company where I am currently paying off a loan I received around 3 to 4 years ago with a co-signer in the amount of {$570.00} a month. I have been making on-time payments and monitoring my credit score and credit decisions with the XXXX app for smart-phones. I was under the impression and assumption that I was refinancing my current loan which I am halfway through paying. I had no intention of taking out another loan or in their words " opening up another account, and it's okay because at LendingClub you can have up to two accounts at the same time. '' When the offer was first made to me they said I can apply up to {$40000.00}, so I applied for {$40000.00}, they came back with an offer of {$13000.00}, which I accepted. So I am thinking they loaned me the $ XXXX minus the $ XXXX, which would left me with {$15000.00} cash in hand. But now I can't remember if was going to refinance the $ XXXX I originally borrowed minus the remaining balance of {$11000.00} which would have left me {$13000.00}, again close to the amount that they created a second account for. After their admin fees I received through direct deposit {$13000.00}. I never would have agreed to take out a completely new second loan to add to my debt, that I am trying to get rid off. LendingClub bombarded me with emails using key words like refinance, congratulating me on payment streaks, and now I feel they are trying to take advantage and take what little money I have left to pay on a second loan them. I called a customer rep, greedy and predatory when I spoke with them over the phone. Also my interest rates are to high at 30 %, for my credit score of XXXX when I applied.
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11/05/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I do not have a signed contract nor any contract with LENDING CLUB CORPORATION. I have never done business with this company. I am not liable for collection from this debt from LENDING CLUB CORPORATION. I am not responsible for this debt with LENDING CLUB CORPORATION. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the Better Business Bureau. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.
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07/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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I apply for an on line loan with Lending Club and was approved for an unsecure loan for 35K at a fixed interest rate for 5 years with a payment of {$980.00} by the XX/XX/XXXXof each month. I have been paying on this account for 3 years with a balance owed 26K. Due to high medical cost for my wife and bank fraud on my checking account. I called Lending Club customer service on XXXX XX/XX/2019 after I paid {$980.00} for XX/XX/XXXXpayment. I spoke with customer care representative to explain my circumstances with medical bills and if they had a hardship payment plan they said yes and we agreed to defer XX/XX/XXXXand XX/XX/XXXXpayment and my XX/XX/XXXXand XX/XX/XXXXwould be {$470.00} until I was able to catch up after the medical expenses were paid. I was told I would receive a confirmation email. Never received a confirmation email so I made a follow-up call and was told they did not make such an arrangement. I requested for them to check and see what was documented on my account. She stated sorry there was no documentation so I requested to have a supervisor listen to the recorded conversation and please return my call. I have never received a call from any of Lending Club Managers so I called XX/XX/XXXX, XX/XX/XXXXstill no response on the payment agreement. Later I received a letter from XXXX XXXX XXXX XXXX XXXX to assist with my past due balances they stated I owe {$26.00}, XXXX. My concern is that Lending Club never mails or email out statements so you can track your actual balance so how would know what you actually owe? Now I have a third party involved but never was able to speak with a supervisor at Lending Club to discuss my payment plan and concerns over balance owed to date.
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07/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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I do need to start this with during the pandemic and even before, when I have needed assistance, they have been awesome. Things have taken a few times to get right, or their system will randomly kick out arrangements or send emails for the wrong dates, but eventually it has worked out.
Whenever I have called to make payment arrangements or any form of interaction with LendingClub, they have told me that I can always use my 15 day grace period if I need to submit a payment after the due date without penalty.
As far as I know, I have never skipped a payment or been past due with them.
My payments are due on the XXXX of each month, which would mean I have until the XXXX for my grace period.
This month, I needed to use my grace period. In the last 7 business days they have called my personal phone 38 times as of XXXX ( XX/XX/XXXX ) this morning. They have, however, only sent me one payment reminder via email on XX/XX/XXXX.
On my loan agreement under Late Fee. it states if any part of Borrower 's payment, other than payments owed for any fee ( s ) assessed on a prior monthly payment, is more than 15 days late, a late fee may be charged in an amount ... .. There is no exact language about the grace period, but all of the customer service reps tell customers about it when they call in.
On LendingClub 's website under their help ( https : //help.lendingclub.com/hc/en-us/articles/214519627-Making-loan-payments ) it does state Late Fees if any, for payments received after the 15-day grace period. We give all borrowers a 15-day grace period to make payments with no penalty.
That makes no mention about getting harassed every business day until you make the payment though.
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04/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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I was not aware that I was past due on any payment for this account. I never received any notification via mail XXXX up until XX/XX/2021 after I filed initial complaint ) or email from them. I must have made over a dozen phone calls to resolve this issue In the beginning they said there was a computer problem back during Covid XXXX shutdown and all my payments were current. I say that I was required to pay an additional {$420.00}. I didn't know until I went online and say a past due amount. So I schedule a payment of {$930.00}, that amount I just made off the top of my head. When I went online to see if my payment was posting for {$930.00} it said amount due {$1300.00} so when I went to ck it took the full {$1300.00} and my {$930.00}. I am not working at this time. I requested the {$930.00} back and to keep the {$1300.00} so it would bring my account current. They did refund me the {$930.00}, but they are reporting to my credit report a delinquent. But if you review my on time payments it is all on time. my credit report dropped XXXX points. I called them to remove the neg report they put on my credit score. It went on then it went off then it went back on. I went from a good credit score to average. This is unacceptable and should not be allowed. I am not working but am still able to pay my bills, and am waiting for my UI to start back up as I had to file a new claim. Every time you speak to Lending club you get a different answer from a different person. I told them I am more than happy to give them extra on each payment to make up for whatever is due but it does not seem to make sense so I don't know where the extra money is going when I make an additional payment.
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08/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I had a loan that was placed 30 late in error. The company retracted and told me it would correct the mistaken 30 late notice error reporting to the credit agency. I have not seen a change.
I called in with an attempt to pay on the above account and was told to wait, someone would contact me if the payment did not go through.
When I called back, the payment had not processed so I paid within the grace period.
Why did I then get a late derogatory notice sent to the credit bureaus?
I received erroneous payment detail for customer service, representative error This is my email " Good morning, I would like to formally contest the 30-day late item posted to my credit report.
I called in several times about this payment being applied to my account and rejecting although funds were in the account. I have never had this problem before with XXXX. I called customer service to get more answers. The first person I spoke to told me that the funds did post. I was relieved. But I received another email saying that the funds were rejected. Confused, I was told to wait and call back at a certain date and time for more answers. The day I did call back, I was told that you were still having problems with this account so I paid the entire past due on a debit card. I was ensured that no credit bureau notice would incur if I paid that day.
If you look at my entire credit account in each credit bureau, I have never had a late payment for the entire history of all my accounts, I take this seriously.
Please give me a one time grace and reverse the late reporting on this particular account. I have attached a pic of the credit report.
Thank you in advance.
XXXX XXXX XXXX ''
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02/27/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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After a year of perfect, on-time payments of the loan that was approved by the Lending Club literally in 10 min ( inXX/XX/2018 ), I applied for another loan to refinance the current loan. Since Lending Club does not offer to refinance, I had to apply for the 2nd loan.
I applied and went through weeks of endless phone calls, submissions of various documents, which they kept requesting after each submission and NEVER, EVER requested the first time.
To my complete shock, I GOT DENIED! With the credit score 120 points higher than when I applied for the previous loan, with the perfect 100 % record of paying on time, with the income higher than the previous year, basically, every score higher than it was when I applied the first time in XX/XX/2018, and I got denied, because these predators at the Lending Club don't want to lose their highway robbery interest of 22.75 % they are charging me on the current loan.
The refinance interest would be 13 %, high, but not as insane as 22.75, but they said the amount I wanted to borrow was too high relative to my earnings, while they gave me a lot more with the income a lot less within 10 minutes back in XX/XX/2018.
They want me locked into 5 years of the financial slavery where I would be paying more than {$15000.00} in interest instead of 3 yrs 1/3 of the previous amount in interest.
With the refinance I would be paying a basically similar monthly amount, which I was paying until today, and they had absolutely NO problems with me making these payments. They had NO problem whatsoever loaning me much higher amount the first time.
These are extremely predatory practices that they need to be investigated for!
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07/07/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Around XXXX of this year I received an unsolicited email to check my rate on a personal loan from a lender I have used in the past ( LendingClub ). I submitted an inquiry and waited for a response on possible loan rates. I never signed any agreements to any loans. I later received an email that I was declined and I moved on. Later I received an email that funds were on their way. This was surprising since I never agreed to a loan and never provided banking information. According to LendingClub they sent funds to an old account that I had using old data and that bank account was closed by me over 5 years prior. LendingClub then told me to wait and funds would be returned and forwarded to me in approximately one week. I told them that I didnt agree to a lone and they told me they needed the funds back to make corrections. I advised them that I did not bank with that bank and I did not think they would release the funds. They told me they would take care of it but it would take approximately 30 days. After the 30 days they began calling me about the missed payment and at that point I contacted my attorney. My attorney sent them a demand letter to provide proof of a loan and they failed to respond to the demand letter. They also stopped contacting me. At this point I just want the credit to be cleared of their mistakes. I provided the information to all 3 credit agencies. Two agencies deleted the account. XXXX has been notified and given all documents on my part and has kept the account active. Ive asked them to provide information on proof they are communicating with LendingClub or contact information for my attorneys and no information has provided.
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04/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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I have personal loan with LendingClub ( account # XXXX ). I refinanced my house, as part of that refinance, my bank ( XXXX XXXX XXXX XXXX ) paid off this personal loan. A check for the amount of {$12000.00} was mailed overnight on XX/XX/XXXX to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The check cleared on XX/XX/XXXX but was never credited to my account. My account has a non-optional autopayment that comes out every month on the 24th. As my payment date approached and the account was never credited, I called the customer service line but was told that it could take " 10 to 15 '' business days for my account to be credited. After the auto-payment came out on the 24th I contacted customer service again, this time well outside the " 10-15 '' day window. After explaining the situation, the customer service agent spent some time looking into it but was never able to resolve the issue. They escalated my issue by " submitting a ticket '' to their " treasury department '', this was on XX/XX/XXXX. I was assured that someone from their " treasury department '' would respond to me within XXXX hours. After XXXX hours came and went without a response, I contacted them again. I gave the customer service rep the exact same info I had already given others several times and all they could do is submit a ticket to treasury. It has now been XXXX weeks since LendingClub deposited the payoff amount for my loan but they still continue to take autopayments and charge me interest. It has been 10 days since my " ticket '' was submitted to their treasury department and I still have not had XXXX single communication with them.
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01/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number:XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by lending Club in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing chargeoff/collection/late on XX/XX/2017.
I challenge the accuracy, compliance and reportability of this listing.
Please validate this information with lending Club and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
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01/11/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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I signed for a loan online with lending club when I was in college for XXXX, the loan was about {$10000.00}. When thing started to be hard for me, I signed up with a debt consolidation company name " freedom debt relieve '' where they settled this account with lending club for me which was {$4800.00}. Even after the settlement lending club sold my account to another deft collection company name XXXX without sending me any notice. I contacted lending club my self few times, sometimes they put me on hold or hang up on me. I kept calling, sending them letters for about six months nobody ever answer me ..XX/XX/2016 I paid the full balance of the settlement to the deft collector company they sold my account to. I called them that day I finally spoke with a customer rep I explained to her what they did to me it 's wrong and illegal cause there 's no way they can sold my account to another company without sending me any letters, and also I told her now I paid in full the settlement why it 's still show on my report this account is charged off where it should says settled in full or paid in full .she was unable to answer my questions put me on hold again and hang up right on my face ..two days after I received an email from lending club stated whatever they report to the credit bureau not gon na change .. I called the other collectors they sold my account to and explained to them what 's going on, they told me it 's not them it 's up to lending club to report to the credit bureau the account is settled or paid in full.. until now lending club keeps that charged off on my report never says to the credit bureaus this account is settled or paid in full.
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11/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
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Web |
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On XX/XX/XXXX I remitted via USPS Priority Mail check # XXXX in the amount of {$800.00} which was to cover my XX/XX/XXXX due date for the principal and interest on {$770.00} and the extra to be applied to principal reduction. Per the USPS tracking # XXXX XXXX XXXX XXXX XXXX the payment was delivered on XX/XX/XXXX.
I have contacted Lending Club by phone and email on XX/XX/XXXX. I also contacted them again by phone on XX/XX/XXXX and I am getting the run around regarding the whereabouts and posting of my payment. I do believe this is an intentional intent to cause harm as this company is aware that this is my second to last payment owed. However, more importantly Lending Club is aware my payment must apply soon in order to avoid a negative mark on my credit report.
Per the lady I spoke with this morning who stated her XXXX XXXX said they have the right to hold a payment for 14 days once received this is unethical as payments are to be posted when received or in accordance with the stated payment processing schedule per their website. I would like for the payment to be posted per the guidelines and for lending club to stop stealing from consumers by holding funds which generates more interest for them to collect. I am not able to request a proper pay off amount to be remitted for the date of XX/XX/XXXX due to Lending Club 's deceptive ways in handling my payment that is in their office per the post office. I have a copy of every check and postal payment receipt ever issued to Lending club starting with my first payment that was due XX/XX/XXXX! and it has never taken them this long to apply my payments once received via USPS Priority mail.
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06/20/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American |
I filed a complaint with XXXX XXXX Credit reporting that information on their credit report was incorrect. They failed to correct the incorrect information.
I have recently filed a CFPB complaint against Lending Club asking that they correct information reported to credit companies. Concerning my Lending Club loan account ending in # XXXX, and pursuant to my prior CFPB complaint No. XXXX, Lending Club admitted that they incorrectly charged off my account and failed to honor my hardship agreement. They stated in thier XX/XX/XXXX response to me : " Due to an oversight on the part of our customer service, the hardship plan for loan # XXXX was broken on XX/XX/XXXX. Because of this error, the entire past due balance became due and your loan was charged off due to non-payment on XX/XX/XXXX. We sincerely apologize for this error. Please note you did not incur late fees or other charges due to this error and as such no refund will be provided. On XX/XX/XXXX we corrected how your loan was being reported to credit bureaus. " However, the result from my XXXX XXXX Complaint, dated XX/XX/XXXX clearly states that my loan is clearly " charged off '' and not current. That must be changed due to their error.Additionally, since my loan is now charged off, I can not make any payments on my loan, because I receive no statements from lending club and no information about my loan is reported on Lending Club 's website for customers.
Additionally, when I call, Lending Club says they will take my payment on the phone, and they confirm it in writing, but the payments since XX/XX/XXXX have not posted on my bank account, i.e., they fail to accept my payments.
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02/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
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Web |
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On XX/XX/XXXX I received a loan for the amount {$18000.00} from lending club after receiving a denial email from them. I have never once received a letter stating that I was approved or anything pertaining to an account number with them. I immediately cancelled the loan with them, but due to them sending out the money I had to wait for it to return from my credit card companies. XXXX XXXX sent money back to my account ending in XXXX and XXXX XXXX XXXX XXXX XXXX did a reversal and sent back the money directly to Lendingclub Bank & affiliates. XXXX XXXX previously sent out a letter confirming where they sent it back to and this will/can be provided once delivered again. As shown in my bank statements is the following : XX/XX/XXXX Received {$6700.00} from Lendingclub Bank in account ending XXXX XX/XX/XXXX Received Refund of {$6800.00} from XXXX XXXX in account ending XXXX XX/XX/XXXX Reversal of {$5200.00} sent back to Lendingclub Bank in account ending XXXX XX/XX/XXXX Lending Club withdrew full amount of loan {$18000.00} from account ending XXXX XX/XX/XXXX Received overage paid of {$5200.00} back from Lending Club in account ending XXXX Lendingclub Bank will not send cancellation/termination letter stating loan has been fully refunded. Yet have now sent an email stating there is a new loan of {$5200.00} and will be trying to withdraw it in the next 7 days. They say that the account is past due and are trying to collect a debt which is not owed and have a recorded conversation of ours today XX/XX/XXXX at XXXX Eastern Time to confirm this. Lendingclub Bank is also still reporting this loan to the credit bureaus as full and unpaid.
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03/08/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
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Web |
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I applied for a debt consolidation loan with the Lending Club on XXXX XXXX, 2016. I was called by a representative of the Lending Club on Saturday XXXX XXXX to confirm my application and personal information. The representative told me the loan terms were : {$16000.00} at an APR of XXXX %, {$330.00} per month for 60 months. My loan was approved on XXXX XXXX ( Loan # XXXX ) and the funds of the loan were direct deposited into my checking account on XXXX XXXX. However, only {$15000.00} was deposited. I immediately emailed the XXXX XXXX and asked why only {$15000.00} was deposited in my account. The loan documentation was not available until the loan was funded and there is nothing in the documentation that indicates the origination fee that would be charged. On XXXX XXXX I spoke with a representative of the Lending Club to claim a lack of notification about an origination fee. At no time did I receive notice by phone or in writing regarding the amount ( if any ) origination fee that would be assessed prior to the funding of the loan. I specifically asked the representative that called me on XXXX XXXX about the terms of the loan. There was no mention of an origination fee. Even after complaining about the fee on XXXX XXXX, I was not told of a right to rescind the loan and return the money ( I was within the 3 day window ). I believe the Lending Club violated the " Truth of Lending Act '' ( TLA ) by not providing adequate notice of all fees before the loan was " funded ''. Not having all of the information ( even after I requested it ) before the loan was funded is a clear violation of the TLA. This loan was fraudulently funded.
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07/12/2019 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
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I get paid every 2 weeks, I wanted to change the due date for my payments, they were normally due on the XX/XX/XXXX of each month, we are buying a home and now will need to move some bills around to accommodate the new mortgage payment. I emailed Lending Club on XX/XX/19 at the email they provide for due date changes ( XXXX ) requested a new due date around the XX/XX/XXXX of the month, they emailed back on XX/XX/19 that they could only go as far as the XX/XX/XXXX, which was ok, I emailed back that same day the XX/XX/XXXX is fine I needed to change it regardless. I received an email back on XX/XX/19 stating that my new due date would be the XX/XX/XXXX of each month beginning on XX/XX/19. Today is XX/XX/19 and I checked my bank account and Lending Club took their payment, I called and spoke to XXXX different people, the first rep told me I misinterpreted the email and had to call to change the due date, there is no mention in their emails of me needing to make a phone call to do this, the second person put me on hold and never came back, the third woman I spoke to saw the emails and could not understand how the first woman I spoke to could tell me I was wrong and there was nothing that could be done, she opened up service tickets for a supervisor ( who are not available by phone to customers ) to look into this and another service ticket to try and cancel the payment, my account is now overdrawn and I was charged {$35.00}, this is absolute XXXX!! I am appalled that nobody knows what to do and you can not speak to a supervisor. I want this rectified and I want the {$35.00} fee refunded to me. I have all emails saved as proof.
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03/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
|
Dear CFPB I am contacting you with regards to Lending Club that is reporting on my credit reports that I have no known knowledge of and was included in my fraud case back in 2019. I have contacted them on several occasions and I keep being told the same thing that they " DO NOT '' have any information and the account is gone or they can't find anything. Well the issue that I am having is that on my credit reports it is being reported by the company Lending Club and noone else. XXXX each and every time seems to be able to contact them and say it is valid.
I would like to know how is the account valid when they tell me they have no information and it's reflecting on my report by them. I have been going back and forth with XXXX and Lending Club the furnisher about this and it's time they fix it. The business practice between the tow is unethical and unfair and as a consumer who has been trying to fix this proving FTC Affidavit and XXXX Police reports need this to be handled once and for all.
What Lending Club continues to ignore is the fact that it's their company that is reflecting on my report and they are the ones who must take if off. It states transferred, well to who doesn't matter who has this erroneous account Lending Club is showing to be the one reporting. How is XXXX validating this erroneous information leaves me confused. Per 623 of the FCRA the furnisher states that a furnisher must not report inaccurate consumer information Also per 623 ( a ) ( 2 ) when any furnisher has been notified that a consumer is a victim of identity theft, the furnisher may not sell, transfer or trade for collection of the debt.
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03/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
Servicemember |
Hello, I have a reoccurring monthly payment for my credit card consolidation loan. The monthly payments are {$300.00}. On XX/XX/XXXX, I called a spoke with customer service about making a payment larger than my monthly minimum. I asked for them to turn off my automatic payment so that I could make an online payment of {$1200.00}. In the recorded call I asked several times for the automatic payment to be turned off and I asked the customer service agent if my {$1200.00} would satisfy my XX/XX/XXXX payment requirement. He informed me that it would. On XX/XX/XXXX, {$300.00} was automatically withdrawn from my checking account. As a result, my checking account was overdrawn and I received a {$35.00} penalty. I called lending club. After waiting 45 minutes I spoke with a rep who said he could not help me. He transferred me to payment solutions. As my phone reach 2 hours and 1 minute of on-hold time, another customer service agent answered and informed me that this was not payment solutions. She noted my account and said that there was nothing they could do for me. She attempted to connect me to payment solutions and I was disconnected. I tried the entire process again and a third customer service agent informed me that my auto payment was turned off and that there was nothing else they could do. I did not authorize the XX/XX/XXXX payment and would like this returned as well as the overdraft fees I accumulate until this is corrected. the recored call on XX/XX/XXXX details all of the above stated. I attached a photo of my phone record for the 2+ hour phone call that was disconnected. Thank you for your help with this matter.
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05/28/2020 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
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I have a loan from the lending club ( loan # XXXX ) for {$14000.00} with monthly payments of {$570.00} and APR of 31.77 %. When the COVID-19 pandemic started they asked me to apply for a deferral plan where the payments will be postponed for two months as my father stopped working due to the pandemic and I had to cover my parent 's expenses. I paid the last payment on XX/XX/XXXX and then they deferred my payments of XX/XX/XXXX and XX/XX/XXXX to be on XX/XX/XXXX. When I signed this deferral plan there was no statement saying that I am not allowed to cancel it. So I thought I would cancel it when things got better because the APR they are taking from me is very high and will accumulate during these two months. In XX/XX/XXXX when I and my parents received the IRS stimulus check, I called them and told them that I want to cancel the deferral plan and pay the payments on time to avoid the extra interest, they refused to accept my money saying that the plan can not be canceled.
I filled a complaint with them on XX/XX/XXXX, and another complaint on XX/XX/XXXX and third complaint on XX/XX/XXXX and they still do not cancel the deferral plan and still do not allow me to make the payments on time to avoid the high interest. I told them that this can not be right as they do not want to take their money back and all that they want is to keep adding interest although I am ready to pay their money back. I kept telling them that when I signed the deferral plan, there was no statement saying that I am not allowed to cancel the plan, so why they do not want to accept the money and stop taking an extra interest.
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05/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
My Lending Club payments are due the XXXX in the amount of {$600.00}. I phoned in my XX/XX/XXXX payment on XX/XX/XXXX for the amount of {$630.00} to cover the amount due plus late fee. I asked the rep twice if I had avoided being reported 30 days late and she assured me I had. I also received email confirmation of the payment which I am uploading with my complaint. I followed up on XX/XX/XXXX when I noticed my bank account didn't reflect withdrawal for the payment. I made payment again that day over the phone and that rep said he would submit a trouble ticket to have a supervisor review my XX/XX/XXXX call for their processing error and that I would hear back from Lending Club.
On XX/XX/XXXX, I received alerts from credit reporting apps that my Lending Club account was reported 30 days late causing my XXXX and XXXX scores to drop XXXX points. I called Lending Club twice that day, and the second time representative XXXX ( XXXX? ) informed me that it appeared the rep I spoke to on XX/XX/XXXX processed my payment and then for some reason cancelled the payment in error. The first rep did not mention this, nor did the rep I spoke to on XX/XX/XXXX. XXXX said she would submit a trouble ticket to have this issue addressed.
I am involving CFPB in the matter because Lending Club has not followed up with me and has not been forthcoming with the fact that the rep who processed my payment cancelled the transaction in error, and this error caused my credit score to drop significantly. I do not have faith that Lending Club will rectify this with credit bureaus of their own volition in a timely manner.
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01/25/2020 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I went to the dentist on XX/XX/XXXX. I was told that my treatment would be {$6000.00}. I applied for a medical loan through Lending Club ( XXXX XXXX XXXX ). I was approved for {$6000.00} at {$500.00} per month with a 0 % APR. Subsequently on XX/XX/XXXX I went back to the dentist and the amount of my treatment changed to {$7200.00}. I reapplied for an increase and was approved by Lending Club ( XXXX XXXX XXXX ) for {$7200.00}, {$180.00} a month at 17.90 % APR. My dentist sent back the {$6000.00} to Lending Club ( XXXX XXXX XXXX ). Lending Club continues to send mw statements that do not reflect the new terms of my new loan of {$7200.00} with a payment of {$180.00}. I have a statement showing that they XXXX XXXX XXXX has added both loans together totaling {$12000.00} ( original purchase amount ). I have sent to them numerous times the new contract and repeatedly called them to ask for assistance in correcting and have had no success. My fear is that my credit is being destroyed for their mistake as I will not pay until corrected. Even as I submit this complaint today XX/XX/XXXX I received a collections call from XXXX @ Lending Club asking for the payment on {$12000.00}. XXXX confirmed that he sees notes about my complaint and does not know why it was not updated. I told XXXX that I had no other option but to file a CFPB complaint in hopes to get resolution. He then transferred me to Customer Service and my call was dropped. I need resolution as I am a good paying citizen and I do not wish to have my credit damaged.When they call they continue to ask for amounts over {$500.00}??
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10/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
In XXXX of 2020 I spoke with a representative at Lending Club. I requested to have my autopay stopped. I was assured that the autopay was canceled and I can make one-time payments going forward. Lending Club did not cancel the autopay and withdrew money from my bank account resulting in overdraft fees and causing me to not have the ability to pay other bills. When I called to have the money returned the representative stated that it would take 7-10 days to return the funds. I waited the 7-10 days, but they did not refund it. During that time another loan that I have with them came due, loan XXXX. I explained to them that I could not make the payment on that loan because they still had not returned my money and I was trying to straighten out my bank account due to the damage that was caused by their company. I made several calls to them trying to explain what was going on, but no one there could seem to understand that the only reason my account, XXXX was late, was due to them taking an unauthorized payment for the other account that I have with them. Needless to say, the account was reported 30 days delinquent in XXXX because I was not refunded my money so I could pay my bills. I was shuffled around to different representatives and given misinformation multiple times. I was furloughed from my job during this time and made sure to pay my bills on-time even with my situation being difficult. The only reason the account became delinquent was due to Lending Club taking unauthorized money from my bank account. I want them to remove the 30 delinquency from my credit report. Thank you
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01/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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On or about XX/XX/2020 I contacted Lending Club and asked for assistance with my payment as I had recently incurred additional expenses and I need their help. They offered to reduce my payments for 2 months. I was concerned this would negatively affect my rating with them. The representative assisting me assured me there would not be a negative rating with them nor would it report late to the credit bureaus so long as I paid my modified payments on time. I authorized them to take a payment from my checking account on XX/XX/XXXX and again on XX/XX/XXXX. Approximately two weeks later I received a call from Lending Club advising me that due to a system error on their part, my payment on XX/XX/XXXX did not process. I asked them if this would reflect negatively on my account and they assured me it would not. I asked them to process the payment that day and again on XX/XX/XXXX. Approximately 1 week later, I received another call from them saying once again, due to a system error, my last payment did not process. But they were going to process two payments ( very inconvenient for me ) and they identified the problem on their end and it would not happen again. The rep repeatedly reassured me everything would be back dated and there would be no negative reporting to the bureaus. Despite their repeated reassurance that there wouldn't be any negative reporting, I received an alert from XXXX that my Lending Club account was now 30 days past due!! I have spent the last two weeks trying to get a Supervisor to call me so I can get this issue resolved, and no one has called me!
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11/30/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened a business checking account at LendingClub Bank, formally XXXXXXXX XXXX on XX/XX/21. After the account was approved and activated, I deposited over a period of a week 8 separate checks in various amounts of between {$5000.00} and {$15000.00}, totaling over {$50000.00}.
On XX/XX/21 I received an email stating one of my deposits required additional verification and they suspended all access to my account. I could not even login to the online portal. I was asked to provide a paystub to provide additional verification of this deposit and my ID which I immediately followed up by emailing them a copy of the paystub and my driver 's license. A week later I still have no access to the account nor access to any of the funds deposited.
I have contacted customer service on numerous occasions by phone and email and again today, XX/XX/21, but they refuse to even allow me to talk to a supervisor or bank manager and I get told the customer service agent can not help me. I then requested they reject the deposits and close the account and again, the customer service agent, XXXX, who also refused to provide a last name or any reference to who he is said he could not help with that either. I have no access to my account, I can not even get to login to see what is happening with my funds, I have no access to my funds nor anyway to get to my own money.
After the XXXX call I finally spoke to an agent who told me the documents I had emailed were in the wrong format and to send a XXXX version and non a XXXX version. But this was not communicated to me in any other
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07/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
|
I have these accounts that does not belong to me and i want it to be remove from my credit report.
XXXX 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.
3. Identity Theft XXXX Account Number : XXXX This is not mine.
4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX Account Number : XXXX This is not mine.
4. Identity Theft XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX Account Number : XXXX This is not mine.
9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
11. Identity Theft LENDCLUBBK Account Number : XXXX This is not mine.
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08/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
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Web |
|
I took the loan from Lending Club in XXXX of 2018. In XXXX of 2018 I was contacted saying my bank refused to release the payment. I asked lending club to try again which they did and the payment went through. For the next three months this happened repeatedly. I filed a complaint with the NYS Department of Financial Services. Their investigation proved it was a 205 error on Lending Club. In XXXX Lending Club turned my account over to a collection agency demanding payment in full for the entire loan. When I explained the situation to them they said they would look into it. I never heard back from them. The next month lending club called asking about payment and told me the account had been pulled back from the collection agency but never notified me for a month and put more late payments on my credit report. Finally after over 20 phone calls I was given a senior supervisors phone number from the Department of Financial Services. She told me I had to reenter my account information into the system because it had been purged. I accessed the system but when I tried to reenter my password to give my account information their system said my password was invalid. Afte 2 weeks the supervisor finally returned my call and helped me change my password. When I finally logged in I found my account information was there all along. When I contacted the supervisor back she informed me that my bank account was invalid for their purposes even though for 9 months everything was fine. Lending Club never returns calls, lies, refuses to admit when they have a problem.
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10/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
Servicemember |
I had received a few calls from an unknown number leaving a cryptic message for me to call them back. My grandmother was in the hospital and finally, they got a hold of my father as well and left the same number to call them back. So on XX/XX/XXXX at approximately XXXX XXXX I spoke with XXXX XXXX of XXXX XXXX or XXXX XXXX XXXX ; who first off did not mention that it was an attempt to collect a debt. After I mentioned that I did not recognize the first lender name he mentioned ( XXXX XXXX ) he said that he would have me put in jail for fraud if they discovered it was not true that the debt was in my name. The company was XXXX XXXX XXXX which I did recognize. After some discussion, he stated they would sue me and garnish my wages and take my family 's property - anything that was attached to my social security to repay the debt unless I agreed to the settlement amount he was offering me. He emailed me the originating loan application documents with no password and no disclosure information in the email- in addition, he included no information about his company within the email either. The name of the company he says he works for that he provided on the phone and the name of the company attached to the email address does not exist. Although I can clearly see that he has some form of documentation for a loan I once had that has since aged out and been charged off since XXXX with no payments since XXXX. This is all concerning because the debt is so old and without a lot of the disclosures and required checks I thought were .... required.
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01/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
Good afternoon, I was impacted by the pandemic my last day in my office was XX/XX/XXXX. I returned and had no choice but to accept a demotion on XX/XX/XXXX making approximately $ XXXX less than I was making. I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed a payment. The Corona Virus Aid Relief Economic Security Act was enacted in XX/XX/XXXX stating Late payments should not be reported to the Credit Bureaus. I contacted Lending Club letting them know of my situation. They allowed me 3 months grace period. After 3 months, I told them I was not back in my office and I'm not able to make my regular payments. They told me they are not able to keep my account open unless I make my regular payments, or I can settle the account. I settled the account and paid the amount settled in full. I contacted them on XX/XX/XXXX letting them know of the Corona Virus Aid Relief Economic Security Act, asking them to please remove the late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they responded and refused to do anything about it. Before the pandemic I always made my payments on time. If it wasn't for the pandemic, I would be able to make my payments on time. My Loan # is XXXX. I'm trying to refinance my house to pay off my credit cards but I'm not able to do so because Lending Club derogatory information is affecting my credit score and my ability to do so. Please call me if you have any questions XXXX.
Thank you XXXX XXXX
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07/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
Ever since Tuesday XX/XX/18, I have received numerous phone calls at my place of employment from two phone numbers : ( XXXX ) XXXX and ( XXXX ) XXXX. On XX/XX/18 a gentleman by the name of XXXX XXXX called me at work and said that he works for an attorneys office and he has a client who is in the process of suing me and to call the XXXX- number above with reference number XXXX to discuss further. I asked who the attorneys office was and who his client was and he told me to call the number for more information. I told him that his company is not to call me at my place of employment and I will call him back. He said, Okay sir. The following day XX/XX/18 he called my cell phone and left a voice mail. I called the number back one Thursday XX/XX/18 and spoke with a gentleman who said that his client, Lending Club, was suing me and he was handling the litigation. Ive never loaned with Lending Club and I told him this. He said he is handling The litigation and I told him he can sue me because Ive never had a loan and then I disconnected the call. Today XX/XX/18 I got another call at work from a gentleman telling me that he needs to deliver wage garnishment paperwork to my place of employment and wanted to verify my address which he did. He asked if he can send it to my work address and I replied ; Sure! He asked me if I was worried and I said, Nope. He then told me that i can go XXXX myself. So Im convinced This is some kind of scam but they are very blatantly violating the FDCPA and it needs To be investigated further. Thank you.
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10/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
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Web |
|
On XX/XX/21 I applied for a loan on the Lending Club website. I did a joint application with my husband, XXXX XXXX. The Lending Club issued the loan only to me ( and in my old name for some reason ) and excluded my husband from the loan. I called and spoke with two different reps at LendingClub on XXXX and both told me that there was nothing they could do. This is a huge issue for a number of reasons. 1. Now all this debt is in my name alone which will affect my debt to income ratio and my overall credit score. 2. We may have been able to receive a lower rate and different terms if my husband had been included with his income and credit score. 3. They are sending direct payments to pay off some of our other debt, one is a car loan that is solely in my husband 's name and I'm not even on. Given the severe financial ramifications that I will have to experience as a result of this for years to come is not acceptable. They are refusing to do anything even though they are the ones who caused this issue. It is not okay to punish a consumer, especially so seriously, because of a company 's error. I've contacted them multiple times and requested management or an escalations dept, neither of which I was ever transferred to. I was told anyone I was transferred to would tell me they can't do anything, even though this is their error. I need to have this rectified. They should redo the loan in mine and my husband 's name and remove the original credit inquiry they put on my report. My terms should be adjusted to show the co-applicant.
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06/28/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
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|
Web |
|
1. Initiated international wire transfer to a brokerage account overseas on XX/XX/2021 2. Duly filled all necessary documentation with XXXX XXXX ( now aka Lending Club ) 3. I received the docusign, verified by the bank, stating {$3100.00} was wired to XXXX XXXX XXXX XXXX in XXXX and XXXX, XX/XX/2021. I paid the wire transfer fee of {$40.00}.
4. I transmitted the docusign as receipt to my beneficiary : XXXX XXXXXXXX XXXX XXXX ( XXXX ) 5. After about one week I enquired of XXXX why my trading account had not been credited. I was informed by XXXX that their bank ( XXXX XXXX 's ) had not received the funds.
6. I contacted XXXXXXXX XXXX severally after this, by online chat and by phone : a ) They acknowledged the funds had been withdrawn from my checking account b ) The bank assured me the wire had been successfully sent.
7. The beneficiary requested for a form -- XXXX XXXXXXXX - so they could pass to their bank for further investigation.
8. I have requested the said form from XXXX XXXX for several weeks now but the story is the same : they will email it to me.
9. lately, XXXX XXXX seems to dismiss my status update request with : when we have more information we'll contact you.
Now, I just want to know 1 ) Was the wire sent? 2 ) can I have the XXXX form.
Note : I have successfully used this bank ( XXXX ) on more than 7 occasions in the past, funding my trading account at this same broker via same bank ( XXXX XXXX XXXX ).
XXXX/lendingClub should be aware that my trading account has suffered due to this delay.
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03/05/2020 |
No |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
Servicemember |
On XX/XX/XXXX I signed a loan agreement with Lending Club to refinance my vehicle. The payoff check was supposedly was sent on XX/XX/XXXX. My payment for my lienholder XXXX XXXX XXXX XXXX XXXX is due on XX/XX/XXXX and Lending Club is asking me to make my first payment on XX/XX/XXXX. The lienholder has not received the check as of XX/XX/XXXX. Lending Club tells me that they sent out a new check overnight on XX/XX/XXXX and said it will take 5-7 business days for the lienholder to process. I asked that my first payment with Lending Club be changed so that I will not have to make two payments, as I was told that I need to continue making payments until my payment with the lienholder has been finalized. Lending Club said that they can not change the due date of the first payment. I have been lied to by their customer service reps as they told me that the first check was lost and a second one was sent out on XX/XX/XXXX. I confirmed with another customer service rep, that was not true and no second check had been sent out. I was told by a another customer rep that an extension could be done on the first payment, which was another lie. I talked to a supervisor named XXXX on XXXX and he promised he would " get to the bottom of this '' and promised to contact my original lienholder to see what the issue was, and would call me back later that day. I called back shortly before they closed after not receiving a call and was told that XXXX was no longer in the office. I have been getting the run around with them since day one.
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01/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
Lending Club sent my payment to an outsourced partner for collection after less than a month late. They sent this to their partner after multiple attempts to make a payment to my account. They have consistently messed up their processing. First saying that I can not make partial payments, then saying I can not make payments without signing up for auto-pay ( these are statements from their call center that I've learned to take with a grain of salt ) After attempting to pay the outsource partner, they admittedly forgot to process the payment. Lending Club added two months of non-payments to my credit report. Then, after finally begging lendingclub to accept my payments directly, my dispute only resulted in one month of non-payments being removed.
Because of my exhaustion in working with such an incompetent company, I gave myself a break and said I will continue to pursue the removal in a few weeks. Last Friday I submitted a payment to my loan, and saw my online statement for the month 's status change to " processing-within grace period '' the money NEVER came out of my checking account AGAIN. So I went on the website, and I now incurred a late fee. I am Begging the CFPB to put an end to this nightmare and clear up the situation. How can our regulators allow this company to fail people time and time again? The worst part is that when I go to my online statement, my payment made in late XXXX is still in " processing '' status. This is a disgrace, I will not continue to be abused by proven preditory lenders.
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06/29/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
Lending club offered 2 month deferment of payment which includes principal and interest to be deffered to back side of loan. These 2 months were for XX/XX/XXXX and XX/XX/XXXX payment. XX/XX/XXXX I made my payment and all {$920.00} was applied to principal. I called and they were going to get this resolved. Nothing happened so I called back about middle of XXXX and said it was still showing interest. They made lots of notes, put me on hold, called other departments and said they would get this figured out. Today I called because I logged onto account and my XX/XX/XXXX payment is showing {$760.00} went to interest and {$160.00} went to principal. the rep said it was because I skipped 2 payments and that the next 2 collects the interest. The first 2 reps on XX/XX/XXXX and the XXXX never said any of this and I have a letter dated XX/XX/XXXX that sais *Extended loan term : The term ( length ) of your loan will be extended to account for any deferred payments and interest accrual. Interest will continue to accrue daily on your outstanding principal balance as outlined in your truth in lending disclosure.
So it looks like for XXXX and XXXX they charged me {$1600.00} of interest.. This is fraud!!! My interest for a normal month is {$430.00} so 2 months should have been roughly {$860.00} and even that should be at the back of the loan.
The rep today had incredibly strong accent so very hard to understand but I still understand that this is an absolute rip off. Taking advantage of covid times should be illegal.
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08/12/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
On two occasions Lending Club received from me a payment for {$460.00} instead of the correct amount of {$460.00}. They rated these payments as LATE and assessed a {$15.00} XXXX XXXX Dollar ) Late Fee for XXXX cents. I think this is a total outrage and if it is not unlawful I can not see why it is not. On XX/XX/XXXX Lending Club received my check payment of {$460.00} and called me to say it was LATE because I did not include the LATE FEE charged for XXXX CENT ERROR. I enclosed a letter a copy of which follows : I am old and copy last payment. This is how it happened twice. Please do NOT consider my account late due to this. You are truly AWFUL to deal with and I have been a very good customer for quite a long time. I am today mailing {$460.00} by first class mail. In time past you never sent an email with actual payment due and it was somewhat difficult to look up. You have corrected this but only to PUNISH your customers. You are AWFUL. IMPROVE. Here is the history which includes the pair of incorrect payments and the fees : ID Date Description Status Amount Hope you 're doing well. We all have a lot going on, so we wanted to remind you that on XX/XX/XXXX your payment of {$480.00} is due. If you have already contacted us or sent in your monthly payment, you 're all set! XXXX XX/XX/XXXX Check Received Posted {$460.00} XXXX XX/XX/XXXX Check Received Posted {$460.00} XXXX XX/XX/XXXX Check Received Posted {$15.00} XXXX XX/XX/XXXX Check Received Posted {$460.00} Balance Overview Loan Status Late ( 16-30 days
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12/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
On XX/XX/XXXX i got a loan from lending club in the amount of XXXX loan # XXXX. loan term was for 36 months, interest rate of 17.47 %. I paid on this loan for a year making payments of XXXX. On XX/XX/XXXX i decided to try and pay off the loan early, at that time the balance was {$5500.00}. I decided to send in a large payment of {$3200.00}. When i sent Lending Club {$3200.00} the loan was overpaid and therefore scheduled to be paid off early. NO payments should have been due until XX/XX/XXXX. The problem is that Lending Club kept on trying to withdraw via electronically the monthly payment of XXXX from my bank account monthly anyways. The Original loan documents stated that There would be no penalty for paying loan off early and then refinancing that loan. etc. ( confusing advertising, credit denied, Problem with the payoff process at the end of the loan, or refinancing loan ) -- Telephone agents told me that once i got my loan balance down to XXXX i would be allowed to reloan. XX/XX/XXXX of XXXX I made a {$3200.00} which reduced the loan balance from XXXX to XXXX, XXXX. After i made the payment agent told me to go online to reapply but each time i applied the loan was denied and this happened twice. ( XXXX ) .. XX/XX/XXXX Lending club contacted me to sit up payments for the remaining XXXX. They offered to restructure the loan if i agreed to pay XXXX mo. for 18 months, they said that even though the loan would be paid in full at the end of the 18 mo lending club would not remove the charge off status.
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02/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
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I took out a loan for {$8000.00} to handle some debt. I agreed on a 3 year term to payback {$300.00} every month. I have 10 months left to finish. They gave me an option to change my due date because the way I get paid has change and this was a year ago. I never had a problem paying and I'm always on time. I even have an option to pay the XXXX earlier than the due date. This is where the problem happen on XX/XX/XXXX I paid the XXXX and it was deducted from my account. On XX/XX/XXXX, they sent an email stating there was an error on their end and my amount was not drafted correctly so they went and drafted the amount themselves. The way I handle my finances I did not have the amount to cover it which left my account negative. On top of that I have rent of XXXX that was coming out of my account on XX/XX/XXXX with a paycheck of XXXXand my lights and phone was suppose to be paid with that check. Which left my account XXXX on top of the over draft fee my bank charge which was {$35.00} and I do not have the funds to cover the next over draft fee. The lending company agreed to refund me the amount on XX/XX/XXXX but it will take 5 business days. For each day my bank account is negative I will have occurred an overdraft fee. This has left me in a messed situation and my bank can not overturn the amount either. I setup my payments accordingly and without warning or care they felt its ok to draft the money because their system was hacked or something. I should not be held responsible since I did my part.
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09/07/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
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Web |
|
I have had nothing but problems since I opened my loan with Lending Club. THeir payment options are not in the best interest of the customer. To make changes to the date of your loan payment or make your payment early is a trial in futility.
I personally needed the loan, however I should have not taken it out, as a credit card would have been cheaper for me. They are charging me almost 13 % over the top percentage rate of a standard credit card.
I struggle every month to pay the loan amount. However they will not renegotiate the interest rate. I initially had requested a loan amount of I believe {$13000.00}, as this would allow me to pay off the loan over a longer period of time. I was denied but offered a loan amount of {$3200.00} with a loan origination fee of {$160.00}. This amount was not disclosed to me till late in the process.
So did not receive {$3200.00} but {$3000.00}.
I have made all payment on time as of XXXX/XXXX/XXXX.
I applied and was approved on XXXX XXXX, XXXX and funds were deposited into my account on XXXX/XXXX/XXXX. Interest rate is 31.89 % and annual percentage rate is 35.96 % APR.
They record my calls and I hope you can gain access to them they are not polite and there is much frustration in my voice when I talk to these people. As their phone numbers are not readily available to the public, and you have to search through XXXX to find their number. They want everything done via email. NOT GOING TO HAPPEN.
I also question their XXXX XXXX amount of XXXX.
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08/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
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I opened up a personal loan from Lending CLUB in XX/XX/XXXX. I paid on time on this loan for 1 year and 6 months. I paid {$4000.00} dollars on it in XX/XX/XXXX. I also made what I thought was my last payment on XX/XX/XXXX for {$300.00}. I made a mistake and thought the payments were done, and the balance was XXXX. I stand corrected, HOWEVER II was not notified from Lending club by phone or email that I was late on a pyament and still had a balance. They told me I did not want them to email me. I did not know that the remaining amount was left and ended up missing a payment. I found out when I checked my credit and it had gone down 48 pts. I got this loan to increase my score and make reliable payments as I did. I would never have made all payments in a timley manner and big sum of {$4000.00} dollars to turn around and totally MESS UP credit score that i have worked so hard to get " good ''. by missing a payment I did not tell them not to let me know I owed them money. If Lending Club would have contacted me I would have for sure made the payment right away. I am now unable to purchae a home. I akded them to work with me and told them I would pay it in FULLin one day if they could please remove this late payment off my credit. They did not let me know I was late and are not willing to work with me. I really would like some help on this matter. PLEASE PLEASE hold LENDING CLUB resposoble fro telling a aonsumer they know they owe the money so a innocent mistake causes them their lively hood
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02/26/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
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Web |
Older American |
A mix up with an arrangement of when to take the payment out of my bank account.
I had made previous arrangements with them and they still dinged my credit as late. I have not been late on a payment to anyone for over 3-years. It affected my score by 100+ points.
The information on their website under my account and arrangements made do not match. You have over a 20-minute wait to speak with an representative and when you request to speak to a Supervisor you are told they do not have one. If you push further, they then state one will call you back. It never happens.
I called again today and their is additional errors on my payments. After waiting for 25 minutes and being hung up on, I was told that they are upgrading their software ( XX/XX/XXXX ). They did not take out the payment today and I was told that it will take up to 60-days to rectify and then not sure. This will probably make another show of being late. I can not keep doing this. It always like a joke to the person you are speaking with.
It is very stressful ... I am XXXX years old on Social Security XXXX and do not need this additional headache or problem. It severely affects my health and well being.
I need Lending Club to take off the erroneous late payment to all 3 bureaus.
I will never get a loan off the internet again ... It shows the corporate in XXXX XXXX ...
How am I suppose to keep up with what they consider business as usual ... the only thing they have accomplished is to ruin my credit score ....
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12/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
I refinanced my home in order to use the equity to pay off debt. My due date with Lending Club was XX/XX/XXXX. There is a 15 day grace period. My mortgage refinance didn't close until XX/XX/XXXX. The Mortgage company sent me checks which were already made out to my creditors, including Lending Club. I received the checks on XXXX XXXX and put them in the mail that day. ( With excitement, I might add. ) All my creditors except for Lending Club posted the payment to my account on XXXX XXXX.
Lending Club claims that they post payments when they receive them. However, they did NOT post the payment to my account until XX/XX/XXXX. Then they reported me over 30 days late to the credit bureaus. The check they received is even dated XXXX XXXX. There is no way it took them 2 weeks to receive the check. Their delay in posting the payment resulted in me being reported 30 days late. This is the epitome of unfair. I called them to ask that they fix this error. The claim they did not err. So in affect, if you are 20 days late with Lending Club, they will report you as 30 days late after they dawdle with your payment. They have the envelope that the payment arrived in which shows the post mark arriving to them in XXXX. Not XXXX.
Look at the uploaded examples of some of the other check recipients. They show that they were all able to post the payment on XX/XX/XXXX. The checks were ALL mailed at the same moment. No way did Lending Club NOT get their check on the same day the others did.
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03/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
Home Update Loan taken out with Lending Club in XX/XX/XXXX, monthly payments auto-deducted from bank account on XXXX of each month until paid in full on XX/XX/XXXX with proceeds from sale of home - made final payment by phone thru company representative.
Upon receiving a payment on XX/XX/XXXX, I immediately responded by email to bring the error to their attention and provided my contact information should they require more information. I've made multiple attempts to connect with them by phone and sent several emails explaining the situation, only one of which received a viable response - in response to my XX/XX/XXXX email, I received an email stating they were reviewing the situation and would respond in 3-5 business days ; there's been no follow-up response to this.
Today XX/XX/XXXX, I received a credit monitor alert that Lending Club has reported my account delinquent.
My complaint is that this company has terrible customer service and is unnecessarily challenging to communicate with.
Attempts to contact : XX/XX/XXXX : attempted to contact by phone 2x, was disconnected each time.
XX/XX/XXXX : attempted to contact by phone, waited on hold for 135-minutes only to be disconnected.
emails received : Payment Reminders XX/XX/XXXX, XXXX, XX/XX/XXXX ; Payment Solicitations XX/XX/XXXX, XX/XX/XXXX, XXXX ; Loan being reviewed XX/XX/XXXX ; and, auto-responses to each email sent.
emails sent : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX
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08/31/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I requested a loan from lending club at the beginning of XXXX for XXXX, the bulk of the money was to be sent to another creditor to pay them in full ( XXXX XXXX ) on XX/XX/XXXX with the difference being sent to me ( {$1500.00} ). The funds never were sent to XXXX, so I called and spoke with several people and was later told that they sent the funds to the wrong address. Someone was supposed to call me back after they researched the issue ... they never called. Later I received an email from XXXX that the funds were recived loan was paid in full etc. Great right.. three days ago I received an email that this check bounced from LendingClub. I called in and was hung up on by a rep, called back asked to speak with a sup ... never called back. I called in today and was hung up on by another manager. I later called back and was told that because they couldnt send the funds to the creditor ( which they did ... they stopped payment on the check without asking me ) that they wanted to send me the funds. At this point I had had it. I just advised them to calculate the interest for the funds that I did receive ( XXXX ) which should have had me paying them somewhere around XXXX but they didnt ... they made me pay the full XXXX to pay this loan in full, which I think is extremely unfair as I tried to make every accommodation to get the full XXXX but they didnt honor their bargain thus I never received the funds. I was calculated interested on a XXXX loan I never received.
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05/25/2021 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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XXXX XXXX of XXXX XXXX sent me a letter stating they have placed a Lien against my house. I have not received any notice company bought off the Lending Club loan that was charged off my credit report. XX/XX/XXXX I hired a credit repair company that did not process my case and charged me fees upfront without negotiating my debt and several of my accounts went into default. Since XX/XX/XXXX, these accounts have been charged off. In XX/XX/XXXX I received such a letter and have not received any correspondence on how to fix the issue. My children have recently heard or seen a nucence lady come to the door and ask for me but has not stated what business she has or will not leave a number or name. I understand I have gone in default on several loans but do not know how to make it right. I'm currently trying to refinance but am afraid this company is trying to block me from refinancing and there will not be a way to make things right if they have not followed the law by presenting the issue and allow consumers to make it right. Since hiring the credit repair company I have done all in my power to maintain my finances in line and pay off my debt. I believe this company has not presented its case in law that is fair to me as the consumer and there should be a way to take action again them, scare tactics are not an appropriate approach to making things right financially.
Companies that may have purchased Lending Club loans are XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX.
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07/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
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12/27/2019 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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To whom it may concern, I had applied for a personal loan with Lending Club back on XX/XX/XXXX. I received an incorrect notice of adverse action due to not providing the information requested ( copy of XXXX W2 ). At the beginning i would call every day to request status of my application. It took then about 1 week to give me a the initial needs list. All items were provided within 2 weeks from requested. On XX/XX/XXXX I received a call from Lending Club inquirinf about the status of the items which i had explained were provided then the agent stated that they were pending my XXXX tax returns? To what I explained that I did not have them since the year was not over and there was no way I would have taxes for this year yet, i kept calling everyday to inquire about status to what I had been told it was in line to be reviewed and I finally received my notice of adverse action due to a missing W2 of a job that i had started this XX/XX/XXXX as listed on my application I asked for my application to be reistated and my loan be looked at as a rush to what I was told it was a mistake and that i needed to re-apply, since there was no way they were going to bring my application back alive. If they had contacted me to ask about the w2 i would have explained that there was no w2 available on a job that I had recently started. I feel my application was overlooked and not treated with equality as other customers. Im very much disappointed with this creditor.
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05/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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XXXX XXXX did n't replying in a timely manner to my initial letters, or have they to date after 4 c ertified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting. I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in a small claims action against their company in XXXX XXXX . As well they did not place on my credit report that I was disputing the account. I also am filing lawsuit against XXXX , XXXX & XXXX for not investigating nor responding to me as well, and taking no action when XXXX XXXX did not reply.
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02/19/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
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|
Web |
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On XXXX/XXXX/16 I called Lending Club, XXXX XXXX XXXX, XXXX XXXX, CA. @ XXXX CST ( XXXX ) XXXX Pacific Time. I wanted to pay off in FULL my XXXX loans. The XXXX loans {$5000.00} AND {$5200.00} Loan # XXXX AND loan # XXXX. I had all required documents, a check book to give them permission to pay the loan. I was told by a employee XXXX that I could not do that payoff until Monday! This was Thursday. I was also given the balances as of Monday XXXX/XXXX/16. The first loan # XXXX has a 25.80 % interest rate with a 29.72 APR. The second loan # XXXX has a 19.99 % interest rate with a 23.77 APR. So i asked why? The explanation was that they could not do that TODAY. I said what about Friday? I was told they could only do this on Monday! WHAT I explained to the employees that I was aware of the terms and conditions of the loans, stating NO PENALTY for early pay offs. I asked to speak with a supervisor This supervisor told me the same thing beiing very rude and short with me. I asked what my daily interst rate was until Monday. She refused to answer. I wanted to get her full name or employee number. ALL she said was XXXX. I asked again for her last name and she said that was a privacy matter. She did not fully identify herself to me. I went through the entire situation again and no results! At 25.80 % for four days that is {$51.00}. At 19.99 % for four days that is {$42.00} That is a lot of Money. If they do it to me Im very sure they do it to others.
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02/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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|
Web |
|
Good Morning, On XXXX XX/XX/XXXX I received an email from my bank, LendingClub Bank XXXXXXXX : XXXX saying the following, " We noticed some recent activity on your account that warranted further review. In an effort to protect your funds, we have temporarily locked your account and online banking access while we conduct our review. '' It is now XXXX XX/XX/XXXX and my account is locked. I am away traveling with my family in XXXX and without any access to cash money.
Repeatedly LendingClub Bank has asked for documents from me, which I have been happy to supply. Additionally, I call and live message them every day in an attempt to see what we can do. They give me XXXX list of documents and after I supply them, then they ask for more instead of unlocking my account. Furthermore, they have asked for the same exact documents multiple times. LendingClub keeps contacting me on a secondary email address that I do not have associated with the account and when I asked to switch to my primary email address, they say they will switch, but then they do not. I keep contacting Lendingclub only to become progressively more and more frustrated with their intransigence and general lack of care for their customers.
I should mention that I am not sure why they locked my account exactly, but it may have something to do with transfering funds from another account ( XXXX ) to LendingClub, even though I have done it many times before without any issues.
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10/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
LENDING CLUB CORP Account XXXX Date opened XX/XX/XXXX Balance on XX/XX/XXXX - {$32000.00} XXXX/XXXX Account number XXXX Date opened XX/XX/XXXX Account type Unsecured Loan Balance on XX/XX/XXXX {$17000.00} {$20000.00} reporting XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance on XX/XX/XXXX {$3000.00} {$2500.00} I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in XXXX from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was XXXX ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all 3 credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in XXXX ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX and fatigue. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.
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09/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
hello, I have a account for a personal loan with lending club and have located better loan with my credit union who sent out a payoff check to lending club. I called in on the XXXX of XXXX to put a loan payment extension till the XXXX of XXXX on file with lending club. I informed them I have sent a check to cover the total amount of payoff to them to be there before the XXXX of XXXX and to expect a call from me prior to the XXXX to verify payoff and to pay any possible unpaid amounts to close out the account. as of the XXXX of XXXX I was charged through automatic payment withdraw my monthly payment amount even though the company had received my extension and also my check for payment in full. I contacted the company to get my payment refunded and now am being told by the rep. and told would only be the same answer from a manager that there is nothing they can do, they admit its there error and that this payment shows to be in the over payment que already and no future payments due. however they are now causing my bank account to overdraft and are unwilling to correct there mistake and refund the money before 1-2 weeks out. I feel as this was intentional and is not acceptable for a financial institution to not be able to refund the amount taken in error in a timely manner. any help in this matter would be greatly appreciated ad possibly a fine or reimbursement for my personal banking fees due to there error seems fair. thank you.
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06/30/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
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|
Web |
|
I called today to make this company aware that I have had a personal emergency occur and that while projecting my budget out over the upcoming few months taking into account this emergency, I can foresee having challenges meeting the monthly amounts. I asked if there was a way to reduce the interest, refinance the loan, or restructure, even if only temporarily, the loan. I was told no and worse yet, offered few to almost no options. I asked what the company did for people having trouble paying. I was told short of adding an additional $ XXXX to a new loan ( while paying off the current ) and hoping I could score a lower interest rate with the new loan without guarantee, the only other option was to defer one month 's payment in the current loan, and suffer an 'internal late fee. ' I am proactively trying to work with ALL of my creditors, my mortgage company included, in letting all know I am meeting with hardship. I am letting all know two months out before I believe I will be hitting this wall I see myself approaching. I am also a single-income household which makes this all the scarier. Why then, would they not work with me? Can I be the only person experiencing this with Lending Club? Not one time did I suggest walking away from this obligation. At a 25.9 % interest rate and knowing what I know now, I never would have entered into this agreement with Lending Club. I question whether their tactics and practices are even legal.
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10/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
On or about XX/XX/19 I sold my car through the service XXXX. As per the agreement they were obligated to submit payoff information to the lender, LENDING CLUB AUTO. After having to demand a payoff letter I submitted it to the buyer, the buyer insisted on having a physical address for overnight delivery and was denied this by the lender. The Lending club corporate office instructed the buyer to send the money to an address which they did. This check arrived via XXXX XXXX and was confirmed delivered and signed for on XX/XX/19. I called constantly to check why the status of the account and why it was late and was given a different story each time. In short nobody could figure out how to allocate the money from what seems like a corporate account to a regional account. After late fees and additional interest kept piling up Finally on XX/XX/19 the account was credited and I received a bill for what is called the outstanding balance. I tried in vane to get a breakdown of what these costs are for and if they are for interest for the 20 days they fumbled the money internally. I can not get a clear answer and do not think I should be liable for what seems like business as usual at lending club which is impeding the ability to pay off loans faster or even on time. the additional cost has been paid as I know it would affect my credit but think the lack of a description or explanation is unacceptable and feel I'm owed a refund.
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06/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
On XX/XX/2019 I decided to apply for a personal from the lending club. After carful review of my credit score 737 and a stable job of 8 plus years with an annual income of {$120000.00} should be enough to qualify for a {$20000.00} loan. Not the case at Lending Club. I was told that I didnt qualify for a loan because my loan to income ratio was to high, my total debt {$8000.00}. I was confused because it made no sense.i asked how they determined this I wanted to know what credit model and credit score range was used. Lending club explained XXXX supplied the information and credit questions should be discussed with them. After speaking with a XXXX rep they do not deal with income ratios. Moreover, XXXX wanted to know what credit score model the lending club was using, having a high CS they were confused as well. I called the Lending Club back spoke to XXXX the floor supervisor said apply again online using a different email address and to call him back after I applied again. This time around I would qualify for a loan with a co-signer. I asked him over and over again to explain to me what in my credit history doesnt qualify me for a loan. He made no sense kept saying I need a co-signer and hung up the phone. Its my understanding of a lender denied a loan they should explain in detail the issue preventing me of approval so I can change or fix the problem. Keep in mind this is the short version of the incident.
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01/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
I sent Lending Club a Cease and Desist in XXXX of 2021 instructing the company to stop communicating with me through any and all mediums. Lending Club has violated my federally protected consumer rights by communicating with me through The Credit Reporting companies, XXXX, XXXX and XXXX after being told to stop. I also sent Lending Club an Affidavit of Truth regarding this alleged debt which they have not responded to which implies they either can not respond to the allegations because it would be an admission of guilt and or expose their fraudulent activities.
15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
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06/28/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
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|
Web |
|
www.lendingclub.com " approved '' a {$9600.00} loan to me on XX/XX/XXXX. About a week later I was asked to " confirm '' my email address. After doing this I was asked for XXXX forms, XXXX forms, and a list of other documents which I provided. I was ultimately asked for my XX/XX/XXXX federal tax return including every schedule and document. I was asked about three weeks after being " approved '' for their loan. I am late in filing my XX/XX/XXXX federal tax return for resons relating to an ongoing discussion with the IRS related to my XX/XX/XXXX federal tax return, and therefore I had to obtain my tax software as well as file my XX/XX/XXXX tax returns in order to supply the documents requested. While I was finishing my XX/XX/XXXX federal tax returns and ensuring that therer were no issues with it, I was sent an email " declining '' me for the loan which I had been " approved '' for three weeks earlier. There is absolutely no legal reason to give an unequivocal approval communication via the www.lendingclub.com web site and then three weeks later to decline a customer. The emails from www.lendingclub.com may have had small print in some of them, but the approval notice on the web site was clear and unequivocal. There is absolutely no justification for lying to customers in huge quantities and then renigging on promises which the corporation has made to those customers later on.
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02/08/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Please help CFPB and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from LENDINGCLUB showing a charge off of {$0.00} from 2011 with $ XXXX monthly payments. I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with LENDINGCLUB. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that LENDINGCLUB provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that LENDINGCLUB Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
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11/20/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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|
Web |
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On XX/XX/XXXX I applied for a personal loan in the amount of {$7500.00}. I submitted all of the requested documentation, and created an online account with Lending Club.
By XX/XX/XXXX, I was notified that my loan had been approved and fully funded 100 %, and that it might take my bank an additional 4 days to deposit the funds in my checking account. Since that time I have made numerous phone calls to Lending Club to find out why my loan was still unfunded. On XX/XX/XXXX I reached a supervisor, by the name of XXXX who told me that they were having some technical problems and things should be resolved soon. My last contact with Lending Club was on XX/XX/XXXX. I spoke to a representative, named XXXX. After explaining my situation, she put me on hold and spoke to Supervisor XXXX. When she returned to the line, she said " the issue regarding my loan was a big mess and they were sending it to the big bosses to resolve the matter and it could take an additional 2 weeks ''.
I applied for this loan to consolidate my bills and do some home repairs. During this long wait from XX/XX/XXXX until now XX/XX/XXXX, I have lost time and other options to apply for a loan.
I have been treated unfairly and have been misled by Lending Club. I am requesting that the loan I applied for and was approved be funded to my bank account as soon as possible, with no more delays and unsatisfactory excuses.
Thank You.
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09/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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An attempt to make payment for the month ofXX/XX/2019 was unsuccessful due to inability to access account with regular credentials after countless tries. I was without cell phone reception on and off for days due to travel. I was finally able to gain access to account after making a password change. When I saw the remaining balance .... it was my immediate reaction to pay the entirety of the remaining balance. Mostly to avoid anymore account accessing issues. Very frustrating. I was elated to have the account in good standing and finally closed. Until ... I received emails months later stating I had a balance. Unable to gain access to the account to resolve issue financially, I called. Over the phone I explained why payments werent made. We settled the issue with the agreement I would pay {$89.00} as a final payment. I have received a receipt for transaction. This receipt contains NO indication that this account is now closed.
I had no way of knowing if this account had gone to collections or not. As both XXXX XXXX XXXX and lending club patient solutions sent me updated information about my account and payments via email since the establishment of this account.
I was unable to make my first payment without calling. I was then directed to a website that was not indicated on my statement. XXXX From which I made an account and began making payments monthly.
I received this loan for dental
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07/14/2019 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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i received 2 letters of denials for a loan that i never applied for. i called their customer service line twice onXXXX and was hung up on both times before i could get any information about this loan. i then contacted them via XXXX on XX/XX/19 which continued into XX/XX/19 where i requested copies of the loan application and any recordings of phones calls pertaining to this loan application and the contact information for their corporate office to which they refused and insisted on me calling their customer service line which was of no help when i tried before reaching out via social media. i did advise of my situation in the conversation and they told me that someone may have used my personal information to try and obtain a loan however i received these letter at my home address instead of the person attempting to steal my identity address. i have continually monitored my credit since receiving these letters and have noticed no hard or soft inquiries from this company. in the letters they have indicated my credit score and information about accounts in my name that can only be provided from my credit report which leads me to believe that a 3rd party did not attempt to obtain a loan but they in fact applied on my behalf without my permission which is in direct violation of the fdcpa and since they are a publicly traded company im sure this sort of practice violates ftc and sec regulations
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11/27/2017 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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had a pay agreement to repay the loan. last payment made was in XX/XX/XXXX however, I have been unemployed since XX/XX/XXXX. I have been paying from my savings and have now depleted all sources of income. I have contacted lending club on multiple occasions to inform them of my hardship status. after 90 days of non payment, Lending club has forwarded the debt to 3rd party collection agency XXXX XXXX XXXX. I received written notice from XXXX XXXX XXXX dated XX/XX/XXXXrequesting a response to the collection debt. I contacted XXXX XXXX on Monday XX/XX/XXXX at XXXX and spoke with an EXTREMELY rude agent by the name of XXXX at XXXX. I informed XXXX of my current situation and stated I was unable to make any payments. XXXX was very rude and did not let me speak without interrupting. further more XXXX stated, her records showed I have a XXXX Credit card in which I could use to make payments. This sensitive information was disclosed to me without my consent to pull my credit report. In addition I did not authorize XXXX XXXX XXXX nor anyone representing XXXX XXXX XXXX to pull my credit. I question why they disclosed this information with out my consent and how would they know about this without unlawfully pulling my credit file?? I find the practices implanted by XXXX XXXX XXXX in attempts to collect debt to be very unlawful.
for the record this complaint is for XXXX XXXX XXXX ( rep XXXX AT XXXX )
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01/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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XX/XX/XXXX Called Lending Club to set up a hardship plan. Loan payment, which was automatic ( ACH ) at the time, was due on the XXXX but they had already requested the money from my bank. Operator set up a payment plan for me -- reduced payment for XXXX, XXXX, and XXXX -- and said that since the payment was already taken out that I should do a stop payment with my bank, which I did. I made the reduced payment for XXXX.
XX/XX/XXXX Got call from Lending Club saying that I owed the entire XXXX payment. Operator got me to agree to pay the full amount.
XX/XX/XXXX I called Lending club to say that I couldn't pay the full amount and that original agreement should be honored. Operator reinstated agreement for reduced payment for XXXX, XXXX, & XXXX.
XX/XX/XXXX Lending Club called me and said that I owed the past due for XXXX and failure to do so negated the payment plan for XXXX & XXXX. I explained that we had an agreement, which the operator reviewed with a manager who said that the agreement was invalid unless I paid full amount for XXXX.
XX/XX/XXXX Called Lending club and explained to operator that I had an agreement, they aren't honoring it, and that they should be able to reinstate the original agreement. She said that it's already been reviewed by a manager and that there is nothing they will do about it. She told me to go to XXXX and look for work, which is when I hung up.
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12/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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|
Web |
Older American, Servicemember |
This was a loan of {$12000.00}, with {$7200.00} to be sent to a creditor to pay off a loan balance and {$4200.00} to be sent to my bank for my use, and also included a {$600.00} fee. I was notified by email XXXX XXXX that " on XX/XX/XXXX payments totalling {$7200.00} were made on my behalf '' to the accounts I selected as part of the balance transfer and the {$4200.00} would be deposited into my checking account. The {$4200.00} was indeed deposited within XXXX hours. As of XX/XX/XXXX, the balance transfer of {$7200.00} has not been received by my creditor, XXXX. During various phone calls I have been told the transfer was made by check, it was sent the XX/XX/XXXX ( later told it was sent XX/XX/XXXX ), would take XXXX days, then XXXX days, then XXXX weeks and has now been XXXX days. Can not get any phone calls or emails from Lending Club, can not get them to cancel the check and make the transfer via XXXX or any other action. I am being charged interest on a loan amount of {$12000.00} although neither I nor my creditor have received {$7200.00} of that total amount. Absolutely the worst service I have had from any financial company. Have contacted them at least XXXX times with still no resolution other than they are " looking into it '' and will get back to me ASAP which they never do. It is absurd that I have to pay them interest on loan proceeds I have not received.
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11/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account status incorrect
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Web |
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In XXXX of this year of 2020 I contacted lending club to put my account on a payment payment arrangement. They said that they did that but that was not the case and a month later I was reported to an outside debt collector. After contacting Lending Club they admitted that it was their error and their computers did not reflect that I was on the payment program. They corrected the credit issue this dirt time. Since then I have had 3 other occasions all on different months where my credit report reflected that I was delinquent in the month of XXXX, and then XXXX, again in XXXX, and now in XXXX. All reported on different occasions once they said the problem was fixed. This is the only negative information on my credit report and as a result of Lending Club reporting this I have lost one of my credit cards and my available credit on another card has been reduced. Every time they fix the problem a month or two later its reported as late again for the different month. It takes a month to update this information where my credit report shows delinquent. This is unacceptable and my credit has been in disarray because of Lending Club since XXXX. They keep fixing the issue but it keeps in happening again. Financially they have crippled my ability to support my family for over 6 months. This seems like legal action is appropriate. I pay my bill on time and still have his happen.
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02/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
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|
Web |
Servicemember |
On XX/XX/2021 I applied for a loan through XXXX XXXX. I received an offer from Lending Club. On XX/XX/XXXX I received an email from Lending Club stating my loan had been funded in the amount of {$32000.00} and payments were sent to my creditors. Because I saw this email after hours I had to wait until Monday to call them. When I spoke to them, I told them I wanted to loan cancelled as I had neither received or signed any paperwork on the final terms. The paperwork they sent me was in the same email as the email telling me the loan was funded, but it was all blank. I was told the loan would be cancelled. I also received an email stating it was cancelled. A few days later I noticed one of my creditors had been paid off. I again called and was told the loan had been cancelled. I asked to speak with a supervisor but no one was available. I requested a call back to discuss and have yet to receive one. I called back again and requested a copy of the promissory note and disclosure be sent to me. They advised I could log in to my account and get it. I informed them it is blank and that I had not ever signed anything. At this point all the creditors have been paid off. They then told me it would be my responsibility to call the creditors and have the money sent back to the loan company. I do not believe I should be responsible for a loan I never agreed to or signed for.
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04/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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There is incorrect information on my reports with XXXX and XXXX pertaining to status dates of four accounts that were included in a Bankruptcy last year, XXXX XXXX. The accounts in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XXXX XXXX when I filed for Chapter 13 bankruptcy.. My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The accounts with the incorrect information are two separate Lending Club accounts, and XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Ive reached to all 3 companies with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my Chapter 13, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is Experian.
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08/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
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|
Web |
Servicemember |
Upon checking my credit score i noticed a loan for XXXX from a company called lending club corporation i have disputed this account with all 3 credit bureas and XXXX and XXXX removed the account but XXXX has not removed this account from my credit account XXXX provided them my police report and they have yet to remove it still so i am working closely with the police department to help get this resolved i also asked them if they could remove this from my credit bureau and they stated no that they could not do that untill the issue is resolved so at this point i no longer want to talk or deal with them because the awnser they gave me lead me to believe that they are trying to make it look as if im the one that did this i am a victim of identity theft i have been for many years and there is a fraud alert on my credit report so i dont even understand how it even got threw my XXXX score has decreased because of this i am going to file law suits against them if they do not remove this account this is part of my WARNING!!!! to them is step 1 filing a police report and step 2 filing it threw CFPB opened may XX/XX/2018 term 60 months monthly payment XXXX it shows open and its a unsecured loan it also shows that it is late in which this account is a fraudulant unauthorized account that do not belong to me Please remove this from my XXXX credit account or else.
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08/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
1. The following information was provided to me by XXXX for the XXXX XXXX account I once had. The account has been PAID IN FULL and CLOSED. The account on my XXXX credit report reflects the following : -Balance : {$360.00} -Status : Needs attention.
2. My XXXX Credit report reflect the XXXX XXXX account was closed XX/XX/2020. This information on my XX/XX/XXXX Credit Report is absolutely inaccurate and affecting my credit score!! Please fix!!!
( Info in paragraph below was provided to me by XX/XX/XXXX regarding my Dispute. ) >> We have researched the credit account. Account # XXXX The results are : This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. This creditor has verified to OUR company that the balance is being reported correctly. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *HISTORICAL ACCOUNT INFORMATION. If you have additional questions about this item please contact : XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX Phone : ( XXXX ) XXXX 3. I'm also having an issue with the Lending Club Corp reporting the correct information to the 3 Credit Bureaus. I paid this account IN FULL directly with Lending Club over the phone. The account status is reflected as in-collection/or charged off. I paid this account to a {$0.00} balance, therefore it was not CHARGED OFF!!
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04/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
|
This is a formal complaint against XXXX XXXX located in XXXX XXXX XXXX, UT. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
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02/10/2021 |
No |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
My wife made an online purchase from a company in XXXX XXXX using her debit card. The product arrived with no issues but within days of making the purchase her card was being used in XXXX XXXX and online to make attempted purchases. There were purchases for XXXX, XXXX, XXXX XXXX food delivery, local stores and more. It amounted to over {$3000.00}. Most of them were rejected and about {$2000.00} was returned to our account automatically. I called the bank the day they were made and were still pending and filed a fraud claim. They rejected the claim stating that since the CVV was used they can't return the money. We asked that they escalate the dispute and they again denied it for the CVV. Talking to the customer service agent he admitted that CVV information can be compromised. Both my wife and I work in banking and have extensive experience with fraud cases. We know that CVVs can be compromised and we have not been in XXXX for years, I haven't been to XXXX in over 20 and my wife hasn't been in just as many if not more.
Their refusal to investigate more than the CVV and refusal to refund is goes against our protections and liability for fraud. They won't refund our money, I will also be filing a complaint with the state Attorney General. Please help to resolve this. The bank is XXXX XXXX, they are now owned by Lending Club
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03/25/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
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This is a Truth In Lending Act ( TILA ) complaint against the Lending Club which is now a XXXX Bank. The complaint arises from a suspicious loan they made on XX/XX/XXXX although the company has refused on numerous occasions to provide information requested about the account ( in violation of federal laws ) I, thorough my own investigation have learned that they made the loan through an e mail account " XXXX '' and collected payments of {$950.00} though XX/XX/XXXX this is a total of {$22000.00} or possibly more ( again, the company has refused to provide detailed information about the account ). While I do not know the original balance of the loan ( again because the company refuses to provide that information ), it would seem that on a personal loan, {$22000.00} is quite a lot of payments and I would be hard pressed to believe that regardless of the suspicious nature of the loan, that it was paid off XXXX Lending Club itself reports that its average loan size is about {$9000.00} XXXX. Nevertheless, after repeated notices to the company, including FTC XXXX theft reports, which is, according to the FTC " all that is needed '' the company continues to report this account to XXXX XXXX, and XXXXn as a " charge off account '' and has through repeated disputes with XXXX XXXX and XXXX " affirmed that as correct '' -- it is not.
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04/21/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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|
Web |
|
I work for the government and was part of the computer hacking that happened there. I was notified by office of personal management that all my info including fingerprints were hacked. I do not look at my bank accounts often and it only came to my attention when my debit card was declined.Then I realized several payday loans were opened under my name and my bank accounts were emptied I filed fraudulent charges with XXXX XXXX XXXX approx. 20 times and my debit card was canceled and reissued 4 times including canceled once by the bank when a person claiming to be me called for information. I have done everything that the government instructed me to do including submitting a fraud report to the FTC and the IRS. I also mailed letters to all payday loans that were taken out in my name. Prior to this I had a XXXX credit rating this brought it down to about XXXX and it is slowly going back ( now XXXX ) I do not owe this money and do not feel I should pay this. If my credit report is looked at I have an excellent history of repayment. Only blemishes are during this short period when my info was stolen. I currently have a protection service monitoring my information and have a fraud alert placed on my bank accounts. Someone attempted to file my income taxes electronically. Even my paypal account was hacked into.
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11/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
LendingClub account XXXX. LendingClub has violated pursuant to section 623 ( a ) ( 3 ) the FCRA requirements by not putting the required notice of dispute in comments after 30 days of the first dispute. This account has be re-aged. Re-aging account is a violation of the FCRA. I have disputed this inaccurate and illegal account multiple times over the past serval months and none of the credit reports had the required notice of dispute in the comments section. Not putting the notice of dispute in the comments is a violation of the Fair Credit Reporting Act requirements by LendingClub. LendingClub has multiple other FCRA violations on this account. LendingClub has re-aged this account violation of the FCRA requirements. LendingClub is reporting a 60 month term on a charge off account violation of the FCRA requirements. LendingClub is reporting a high balance on a charge off account violation of the FCRA requirements.
I have attached a copy of the credit report as proof documentation directly from the credit showing the multiple FCRA violations, re-aging of account, no notice of dispute as required, Violations FCRA terms month on a charge off account and Violations FCRA reporting high balance on a charged off account. I am also attached a copy of the section 623 ( a ) ( 3 ) of the FCRA requirements for your review.
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08/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
Im XX/XX/XXXXAND XX/XX/XXXXoff XX/XX/XXXXI am being reported as missed payments resulting in negative credit drop I have nicely tried to dispute this multiple times Directly with the lending club, then I have tried to dispute with the credit bureaus, if lending club truly records phone conversations they can go back and reflect on the fact that we had total job loss due to Covid, during Covid no company is supposed to report negative credit, the payments were made and caught up, also LENDING CLUB Has been directly debiting automatic payments from my bank account ever since I got another job, ( I can prove this ) and as of today lending club has reported that I am late on those payments as well, according to the drop in my score again. Due to the illegal practices of reporting negativity during Covid and MY job loss I would request that once and for all lending club delete ALL negative reporting to all three credit bureaus. This is illegal practicing and when I do call, most of the people you speak with do not know what they are talking about or false information, again if they have recorded phone calls they can go back and reflect on those and see that when I called and the individual I spoke with assured me there would be no negative reporting during my job loss and covid which is actually still happening.
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06/28/2019 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
I have a loan with Lending Club and have done business with them for years. I just purchased a home, and called to defer my payment to the XXXX of the month ( XXXX ) ; instead of the regular payment XX/XX/XXXX. XX/XX/XXXX, they took the payment out of my Account even though I set up the deferment. I called XX/XX/XXXX, the date the funds were taken out, and inquired why they took the funds out, and they indicated it was an error. The rep promised it would be put back in 2-4 business days, and to keep checking my account. Everyday since, I have checked my account and I have called for the funds to be returned and each rep give a different answer ; one stated it takes up to seven days. Today the rep stated it was just initiated today and it too should take up to 2- 4 more days. The fact, they keep being untruthful about returning the funds to my account is really perturbing. It has been a big inconvenience, because I set-up my business according to the arrangement I made with the Lending Club. I tried to speak with a supervisor, I am kept on hold for a very very long time - over 30 minutes, I finally hung up. There is no one to escalate issues to, as the corporate also provide the same number. I just wanted my money back into my account and for them to honor the agreement. This is truly a bad experience.
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07/27/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
- Problem with customer service
|
|
Web |
|
On XX/XX/2021 my bank ( XXXX XXXX XXXX XXXX ) sent me letter for the transfer of {$18000.00} to Lending Club NA in XXXX XXXX which i requested. I provided them this account number ( XXXX ) on the check and this address ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX ) but they omitted the XXXX XXXX.
The check went and it was endorsed and cashed at XXXX XXXX XXXX on XX/XX/2021 onto Account Number XXXX.
Lending club contacted me again that they have not receive the money. I went back to XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX to inform them of what has happened. They sent me to go to XXXX XXXX XXXX to ask about the account used to cash the check if the account belong to XXXX XXXX XXXX XXXX in XXXX XXXX and i did. XXXX XXXX bank told me that they can not deal with me since the check came from XXXX XXXX so they have to open fraud investigation and work with their fraud investigation team. I went back to XXXX XXXX XXXX XXXX and they are not willing to do it. They are trying to distance themselves.
I have also called XXXX XXXX XXXX XXXX also to investigate the account use if it was for them and transfer the money to close my loan account and they are also refusing to do that. I have provided them a copy of the check and the endorsement and my statement that show the transfer of {$18000.00}.
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12/10/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
In XXXX of 2016 me and I wife opened a roth IRA with lending club XXXX dollars each. Lending club has a promotion that if we keep XXXX $ min all fees associated with the IRA would be waived. The promotion is still available in the website for verification purposes. We keep the money in cash and after learning more of the investment options in Lending club decided to move our IRA to our investment firm XXXX for more conservative options. When I called up lending club to transfer the funds they informed us that we need to call up the IRA custodian account and there would be a termination fee of XXXX $ which could be raised any time and it was left to the discretion of the custodian. In other words the custodian would charge me and my wife XXXX $ to simply close the account and transfer to another IRA account. I have retirement accounts with XXXX, XXXX XXXX, XXXX and XXXX and none have termination fees to close accounts and I am shocked at not knowing. Lending club should have been fair enough to disclose termination fees upfront and the pricing of XXXX to close a account is shocking and close to price gouging. Keep in mind all the money is still in money market and not invested in any product. To simply move my money to another account and pay a fee of XXXX $ for that is simply a predatory practise.
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10/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
This letter is to inform you that Lending Club has failed to respond to my credit dispute letter and failed to verify that this account belongs to me that I sent certified mail on XX/XX/2019. This is creating major issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file.
I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted.
Who verified this account? What documents did they use to verify? Where are the documents used to verify?
This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. It is my contention that Lending Club Corporation know they can not tie me to this account, otherwise, they would have done so when I made my initial request. Lending Club Corporation is blatantly disregarding the law.
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10/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
I was unable to get onto the site to make my XXXX payment. I called the company and they said they were having problems it should be fixed shortly. I was finally able to get onto the system and when I did, I noticed that the company was incorrectly reporting my payments as late when they were paid before time, almost two weeks ahead of time. What I noticed is that many of the payments showed more of my payment going towards interest when more should have been going towards the principle when the payments are early. I spoke to a representative names XXXX on XX/XX/20 about the issue and asked for an audit of the account and I had not hear back so I decided to call back today. When I called today I spoke to someone named XXXX and she reviewed the notes and read me a note that a manager made that agreed with my assessment of the situation but no resolution! I said I wanted to escalate the issue further she had me on hold but finally said she will have someone call me because everyone was on a call. I would like a thorough audit of my account and a copy of the audit. Because I believe more of my principle would be paid if the division of my payment was correctly posted to my loan repayment. The copies attached are only a sample it does not include all of the payments that are reflected incorrectly!
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10/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
I was interested in and provided a personal loan through XXXX XXXX to consolidate bills. The loan with XXXX XXXX was finalized and the money was in my account on XX/XX/2019. On XX/XX/2019 an deposit was made to my account from Lending Club in the amount of {$9400.00} via XXXX.
Not sure who to speak with I contacted XXXX XXXX to make sure my loan was in place and not compromised. I explained what happened and they stated " check into Lending Club ''. My research into Lending Club deeply concerned me. I contacted Lending Club who confirmed they did issue me a loan. I confronted them with the fact I did NOT authorize a loan with them and demanded they withdrawal the money. They commented that " oh you want to cancel the loan '' to which I responded " I never authorized you to complete a loan. '' My concern is I NEVER authorized t hem to complete this loan. It seems unlawful to initiate a loan with no authorization. I did NOT sign a contract.
As of this date, I received an email that a withdrawal in the amount of {$9400.00} is in progress. I want any money taken by Lending Club for fees involved in their issuance of this supposed loan to be reimbursed to me. A deposit of {$9400.00} seems like an odd amount and my guess is the original loan paperwork probably reflect an amount of {$10000.00}.
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12/12/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
- Confusing or misleading advertising or marketing
|
|
Web |
Older American |
I applied for a cash loan from Lending Club but was unaware that they would make me pay {$610.00} per month with an APR of 22,99 %. I am a senior citizen living off of Social Security and have called The Lending Club numerous times to lower my payments which they did for a few months. Now, they refuse to lower my payments or always refused to lower my APR. I advised them that I thought my APR was much lower according to a postcard received by The Lending Club and if they could lower it. The postcard advertised 7 % but it as never applied to my account. They are NOT FDIC insured. I can not afford to pay them that large amount as I wont be able to put food on the table or keep a roof over my head. The Lending Club allowed me to pay {$200.00} for a few months then about {$300.00} for 2 months which was already too much, plus they kept charging me the 22.99 % APR. Now, they wont give me a break at all. They also refuse to allow me to make one time payments online because one is required to put payments on auto-pay or mail in a check. They are money hungry, have no empathy and are making millions off of poor customers. I believe that you need to investigate The Lending Club. Please advise what you need from me and if you could respond I would greatly appreciate it. Thank you. XXXX XXXX. XXXX, KS
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02/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
Lending Club made an unauthorized withdrawal from my checking account in the amount of {$19000.00} on XX/XX/2020. I called Lending Club on XX/XX/2020 and their representative told me that she would send my complaint to their treasury department, but that she could not guarantee the they would return the money. I called Lending Club again today and the phone call ended with a " supervisor '' named XXXX, who insisted that they would not reimburse me for the unauthorized withdrawal and that I was responsible for any fees from the creditors to retrieve the money. I point out to XXXX that Lending Club did not deposit {$19000.00} into my checking account and I did not authorize Lending Club to withdrawal {$19000.00} from my checking account. The call ended after 1 hour, 18 minutes and 45 seconds. To date, I have spent more than 3 hours on the phone with the Lending Club over their fraudulent representation. I didn't do anything wrong. I simply responded to their offer to finance a {$20000.00} consolidation loan at 16 % APR. They approved the loan for {$20000.00} at 16 % APR, but I was only loaned {$19000.00} and the actual APR was over 22 %. I cancelled the loan before any of my creditors were reimbursed. And I agreed to their terms to pay back the balance, except for any fees from my creditors.
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09/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American, Servicemember |
I disputed account through XXXX. I told them I never asked for an account, signed for an account, nor obligated myself in any way to an account with Lending Club. I further asked that Lending Club furnish me with any document signed by me which obligated me in any way ; and stated that I would then apologize for my apparent error and make amends. They refused, simply stated that the report was accurate and my dispute was declined.
Wow! Things have certainly changed under the Trump Administration, but if it has come to the point where a company can arbitrarily contact Mr./Mrs./Ms./Miss private citizen and not only threaten to, but actually do, ruin their credit and attempt to extort money from them without having any proof that said person actually did, in fact, obligate themselves to the Company, then it is time for LEGAL ACTION. However, I shall wait to hear from you first.
I demand the following : 1 ) a letter of apology from Lending Club 2 ) deletion of the aforementioned erroneous credit reporting form all 3 major credit bureaus 3 ) or a copy of the proof where I signed, obligating myself to XXXX XXXX for this alleged {$19000.00} for account # XXXX allegedly opened on XX/XX/2017. They can't because NO SUCH DOCUMENT EXISTS. They are simply trying to take advantage of a XXXX XXXX Vet.
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06/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
I took out a personal loan with LendingClub before the XXXX and was paying {$170.00} approximately every month. When the XXXX hit, I was affected and immediately let LendingClub know I am having difficulty making my payments. The best LendingClub could do for me was split my payments up as {$86.00} and {$86.00}, still paying the full amount each month. It became a hardship and I requested they give me an extension which they denied many times. Due to the hardship, I became late on my payments by 3 months. During this time I still attempted to call LendingClub to request an extension. Recently, as things are improving with the economy, I sent LendingClub a letter requesting how we can settle my debt. They did not respond and two days letter " charged-off '' my account. The indicated it was charged-off in XXXX, but I didn't receive notification until XXXX.
I called LendingClub asking why they charged it off and how I can pay off my balance. LendingClub stated the account hasn't been sold to a debt collector yet and is pending. I offered to pay off my loan in the amount of {$2500.00}, the amount actually owed without them adding their interest and late fees. LendingClub agreed to the settlement, however they want to mark this on my credit report still as " charged off - settled in full. ''
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09/01/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
I applied for a loan on XXXX XXXX, I got several emails from the company and calls I bent over backward getting them my personal information XXXX each time I spoke to someone over and over again and they verified phone numbers for my employment. I gave them all the correct information and private information. I spoke to someone on XXXX XXXX at XXXX they once again asked for my employers phone number. I spoke to them and stated that we are in different time zones and also made them aware that we work XXXX. an hour later I got a denial letter stating they could not verify my employment. I called to speak to someone and ask as to why when I gave them all the correct information and they stated that they had never called my employer to verify. That my employment phone number was not a number they could check. and could not explain to me why. Every time I spoke to them I yet again had to verify my self and give my social and birthdate and once again all my private info and no one could explain to me why I was being denied.
this company is bogus they should have recorded conversations as to me calling them each and every time. Harassing me through email and the phone on additional info needed and still not approving me for my work number and not once did they call my company to verify my work.
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01/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
I took a personal loan in the amount of {$15.00}, XXXX from the Lending Club in XX/XX/2020. Sometime towards the end of XX/XX/2020, I called a Customer Service agent of the company to obtain a pay off demand good through to XX/XX/2020 to be emailed to me. By XX/XX/2020, I had not received my requested pay off so I called the Customer Service agent again and requested to pay off my loan as of that date. I was quoted {$15.00}, XXXX if I was to pay my loan off by ACH. I agreed and authorized an ACH withdrawal in the amount of {$15.00}, XXXX from my checking account.
After that date, I did not receive any correspondence to verify that my loan is paid off. In XX/XX/2020, I began to receive correspondence that I've have missed payment for XX/XX/2020. I called the customer service and was told that there has been a mix up and that I should disregard the letter. At that time, I requested a satisfaction letter but to no avail. In XXXX, I again, received a default notice letter and called again and was told that my matter is being escalated to upper management because I was quoted a wrong pay off on the date I paid of my loan which was not my fault.
At the time of writing this letter, I am still receiving default letter and a derogatory information has been reported to the credit repositories.
|
08/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
I am having a very difficult time making payments online for this loan provider. They make it extremely difficult to turn off auto-pay to allow me to pay whenever I want, instead of a fixed day. This can only be done by calling in and it took me 3 times before they actually turned it off, I was even charged twice one month when I attempted to pay on my own over the phone a week before my due date. If I want to pay online, the same problem happened until the third time it finally stopped auto-deducting from my account. To pay extra each month, which is what I prefer to do, I have to first make my monthly payment and then navigate back through the flow again in order to chooce a principle amount and make a second payment for anything extra I want to pay. Just today, what prompted my rage to actually lookup how to file a complaint and file one, is when I got this message attempting to make this months online payment. It said " We're unable to schedule payments online between XXXX XXXX and XXXX XXXX ( Pacific Time ) daily. Please come back later to make a payment ''. So I am now fed up with this lender as they are the most difficult lender I have dealt with to make payments. I am almost ready to take out a loan with another lender just to pay this one off and leave this company for good.
|
09/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
Loan funds for payoff were sent in XX/XX/2021 to pay in full. Lender emailed saying they needed more information to apply funds received. Additional confirming information was provided. Multiple attempts and phone calls were made. The company confirmed the payoff funds were received by their treasury team. The loan was refinanced with funds from another bank.. After confirming through providing the check document which was cashed, the company refused to apply the funds as requested for the payoff amount. They instead cut a new check and returned it to the sender, the other bank. No attempts were made to contact me to follow up on the issue and the company refused to put any confirmation in email or writing. I am still trying to track down the check, which they say has been sent. This process has taken over two months and has been a nightmare, causing great hardship to my family.
LendingClub refuses to acknowledge receipt of funds. LendingClub is trying to avoid paying off my loan, so they can charge additional fees and interest. LendingClub refuses to follow up on any issue. This behavior is unacceptable from a regulated financing institution. Clearly the management and administration of funds and payments is haphazard and overly automated. This issue poses an operational risk.
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01/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
My personal loan with lending club had fallen delinquent, due to things going on with the pandemic I wasn't able to make the payment on time. I got paid today and at the point I could take care of the payment I did so at XXXX XXXX today XX/XX/2021 in the amount of XXXX. per the guidelines from the point I submitted the payment and satisfied my obligation to the debt at that point the calls in attempt to collect the debt should have stopped. I received one at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, none of which I answered nor did a message get left so I get that being covered by the rules. What my complaint is in regards to is that I proactively called lending club at XXXX XXXX to let them know the payment was completed ( which they even verified upon answering the call ) to which I asked if that would stop the calls and it was indicated to be the case. The violation occured when they called again at XXXX XXXX after already having spoke to them in an attempt to collect a dept. Per the update to the guidelines, the attempts should have stopped at the moment that was noted. I will provide a receipt and a picture of my call logs with times. Note I did accidentally call them trying to read the call logs so there are extra records that will show that can be disregarded.
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10/31/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
I contacted lending club on XX/XX/XXXX and spoke with XXXX in the payment solution department about a collection letter I received in the mail XX/XX/XXXX. The date on the collection letter is dated XX/XX/XXXX stating that I owe XXXX is the balance due in full now this account was placed for collection to XXXX XXXX XXXX. I told XXXX that I am only 30 days late and I 'm sent to a collection agency for the full balance. Wow I dispute that balance cause on the site it is XXXX. So the collection agency added extra money and still adding according to the letter it might be more depending on when it is paid. XXXX from the payment solution department told me that all I have to do is pay the past due of XXXX plus late fees that might not been added yet to bring my account current then call them and they will buy back the loan I was also told that I need to make that payment to XXXX XXXX XXXX. This makes absolutely no sense. I was also told that the balance was incorrect it should be what I stated above the XXXX so not trusting there so call collection someone have there communication crossed. I believe that XXXX XXXX XXXX is trying to extort more money. At this point I 'm asking for verification of this collection that was placed by Lending club. This is totally misleading and deceitful.
|
05/16/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
My name is XXXX XXXX XXXX and I applied for a loan on XXXX XXXX with LENDING CLUB CORPORATION. After having a dispute over my monthly payments I defaulted on the loan. I launched an XXXX dispute which I 'll include, since I was confused about my actual balance According to my credit report lending club reported XXXX on XXXX XXXX as my CHARGED OFF balance. Since then I contacted This company on XXXX / XXXX / XXXX and they provided me with a charged off amount of {$5300.00}. So clearly my balance was adjusted even though I did not make any payments during that period. NOW, my real issue is my current balance as of XXXX / XXXX / XXXX is {$4700.00}, with a past due amount of {$780.00} and every time I call, this lender will give me fluctuating balances. I made 3 payments in XXXX and requested a monthly statement they expressed no monthly statements are provided on a Charged off loan. I refused to make anymore payments until I received an accurate amount but again this is hurting my credit even more. Can you help me request monthly statements from this lender. Then an updated amount as payments are received would also be nice. I feel like I 'm being robbed based on their unfair practices and they refuse to creat e paper trail. Thank You.
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06/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
I am a repeat customer of Lending Club and this is my second loan. I paid off my first loan with no late payments and decided to get a second loan. Unfortunately, I was laid off due to the pandemic and called Lending Club in XX/XX/XXXX to let them know that I needed help with my payments. My payment was lowered to about {$230.00} and I made that payment ; however, I still did not receive my unemployment benefits and could not make another payment until XX/XX/XXXX. I asked if there was a payment assistance plan available to help me get caught up and the answer was no. I made my {$650.00} payment in XXXX and called again in XX/XX/XXXX to see if there was a payment assistance plan available. Again, the answer was no and I've scheduled a payment of the full amount {$650.00} for XX/XX/XXXX. At which point the Associate stated to call back in 5-6 business days after the XXXX payment posted to see if I'm eligible for a payment assistance plan. Meanwhile, my credit score has taken a major hit and Lending Club seems unwilling to help me get back on track. I have a full-time permanent job and my other creditors ( including XXXX ) have all helped by providing me a payment assistance plan AND have updated my credit bureau as current. Please let me know if you need anything else. Thanks.
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03/15/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
On XX/XX/2018, I received a phone call from XXXX XXXX XXXX advising they were attempting to collect an outstanding debt which was transferred from Lending Club. The amount was for {$20000.00}. He was interested in setting a payment plan to repay this amount. At this time i advised the rep with this company I was involved with a debt mang company, he was provided with the name and phone number of the debt mang company. he stated they have dept that works specifically with debt mang programs which would not be an issue. On XX/XX/2018, i contacted my debt mang program to inquire if XXXX contacted them they did not. I reached out to XXXX to inquire on why they did not, they stated the number did not work. The number again was provided with an extension, which has been the same number i have been using to contact the mang company with no issues. On XX/XX/2018, i spoke with the mang company and asked if XXXX contacted them they had not. I have not heard from XXXX since XX/XX/2018. This amount of {$20000.00} is currently listed on my credit report as an active collection record which hurt my credit drastically. besides the phone call the credit report was the only other way i knew what was going on with this loan. also the creditor listed for this account is XXXX XXXX XXXX XXXX
|
04/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT.
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME!
The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics.
In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information LENDINGCLUB BANK is furnishing.
I sent a Dispute letter dated XX/XX/2022 with a green return receipt. To no Avail LIST OF INNACCURACIES FOUND ON IDENTITY IQ CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY LENDINGCLUB BANK was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that LENDINGCLUB BANK complied with this requirement.
|
01/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
I, XXXX XXXX, entered into a consumer credit transaction with, lending club and XXXX bank. A consumer transaction in which a finance charge was involved. 15 USC 1681 ( A ) ( 4 ) under FCRA means the consumer has rights to privacy. in which lending club and XXXX Bank failed to provide protection of my rights. Inclusive towards that. The Corporations failed to verify and respond to my accounts over 45 days which also violate my rights of reporting accuracy. I have sent in certified mail which I have receipts from that have yet to be verified also. Companies need to block and delete accounts from credit reports. I asked for signed documents and any validated documents they have and failed to provide. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.If you were able to conduct a proper investigation of the records for this account send all documents as i believe this is fraud on my credit report. these accounts are not 100 % accurate they reporting late payments. reporting without my consent these accounts are in huge violations.
|
11/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
On XXXX XXXX, 2019 a call was initiated to LENDING CLUB due you to possible fraud activity. I spoke with several representatives XXXX XXXX, XXXX XXXX @ Ext : XXXX, Who were combative and failed to properly assist my concerns in reference to my account with LENDING CLUB. I was transferred then to another employee with LENDING CLUB by the name of XXXX XXXX who stated he is a supervisor in the payment solutions department. XXXX This complaint is to make notice of deceptive practices and unethical collecting this company has performed today. XXXX XXXX the supervisor admitted they documented wrong details pertaining to my account & admit to a breach of agreement took place on XX/XX/2019 and XXXX XXXX, 2019 ... Where multiple payments in the total of XXXX not even including over draft fees was withdrawn from my bank account without notice and without my consent by an employee by the name XXXX. The abuse of practice is a direct violation of the F.D.C.P.A Regulations Due to the errors made by LENDING CLUB it has adversely affected my credit report and impeding on my ability to obtain necessary credit. Time is of the essence so I expect your compliance of my request by the rules according to the FCRA Thank you for indicating your intention with resolving this matter
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02/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
I applied for the personal loan on XX/XX/2022 and received a message saying it was not approved. The loan company said I reapplied with my maiden name which is not true because the name they provided is my married last name. The loan was deposited into my bank account on XX/XX/2022 and I didnt even know where the money was from so I looked where it could be coming and saw it was from the Lending Club XXXX The representative told me that as long as I provide them with my bank account I didnt have to accept the loan so they approve the funds to be deposited into my account. I called on XX/XX/2022 and told to cancel the loan and was told it was going to be done within 3-7 days and on XX/XX/2022 I noticed that the money was still in my account. They just had me waiting for them to be able to charge interest and other fees. I have called them to try and resolve with them but one of the representatives hang up on when she was transferring the call and others keep saying to have the money in the account. The loan # XXXX for the amount of {$17000.00}.
I would like for the business to refund me the {$1100.00} fees and interest and fees since they failed to provide the approval notice and I was not advise that the money was being deposited into my account.
|
11/28/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
Took out a personal loan inXX/XX/XXXX this was to be a 60 month loan. On XX/XX/XXXX I went to the Lending Club payoff site to get a payoff quote. The quote was XXXX. I sent a text to the Lending Club this same day asking them not to process the auto pay due on the XX/XX/XXXX as I would be paying this debt in full on the XX/XX/XXXX. I could not pay it on the XX/XX/XXXXbecause it was XXXX XXXX and my bank was closed.So I made this payment on the the XX/XX/XXXX and was sent a thank you for your payment letter. After taking my payment then I was sent a letter stating that my payment was not the full payment. I then phoned The Lending Club to inquire about the discrepancy in payment resolution and was told that there website did not contain the correct quote as the Web site was assuming the auto payment. I felt intimidated in this conversation and offered to pay them in installments which they refused. I ended the call and decided to advice as I felt like I was being bullied into paying a debt that was not fair or owed by me. I was advised to request a dispute which I did and after a lot of haggling was told I would be granted. On XX/XX/XXXX was sent email stating they concluded that I still owed them $ XXXXthey have since increased it to {$490.00}
|
02/07/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Older American, Servicemember |
Choices available on this form are inadequate for my situation.
XXXX XX/XX/XXXX, I borrowed just under {$10000.00} on line from Lending Club ( loan # XXXX ).
Approximately of the proceeds was to go to my XXXX XXXX Rewards credit card balance, the remainder was to be deposited in my XXXX XXXX XXXX. checking account ( XXXX ) already on record with Lending Club. [ Note : XXXX XX/XX/XXXX, I paid off a previous loan to Lending Club via autopay from the XXXX account above. ] Instead, Lending Club sent the payment to a different XXXX account, my XXXX XXXX credit card.
After I brought this to their attention, Lending Club did nothing to coorect their error, and left it to me to clean up their mess.
Worse, however, is that they also sent the the to a bank account I closed years ago XXXX XXXX XXXX XXXX ( XXXX ) Lending Club is notorious for poor customer service ( see XXXX complaints ).
My many calls to Lending Club were inordinately difficult to put through to a live human agent. When I eventually did get through, Lending Club Help Desk counseled just waiting.
Waiting failed ( i.e., no $ deposited in my XXXX Bank account ). I started ccing Lending Clubs CEO XXXX on my complaints to Lending Club Help Desk.
XXXX office did not respond.
|
02/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
I got a loan for debt consolidation and had Lending club pay off card cards directly. After the loan is approved and payments are sent to credit cards, somehow one of my two XXXX XXXX cards accounts got changed to an account ending in XXXX. Now, mind you I do not have an account ending in those numbers. Lending club supposedly paid XXXX tom XXXX acct XXXX I pointed this out to Lending club over 10 business days ago and was told that the payment had to settle and wait for a certain for it to be returned. I was told to wait 7 business days and call back, which I did and then was told that there was a 2-day extension put on from the back office that makes the payment to creditors. I call today XX/XX/19 they still do not have my money back, stating XXXX is nonresponsive which is a joke, I can get them on the phone within 30 seconds. I spoke with a manager today named XXXX would file some kind of claim ... .more stall tacks in my mind. There is no way XXXX would have held this money for this long knowing that a wrong account payment was made. I received a claim number XXXX. I believe someone changed my data and tried to pay off an account that was not mine. The back office dept phone number is XXXX. My phone is XXXX. Email XXXX. Please help
|
03/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
Usually, a day after my due date payment on my loan is due, I receive an email from my lender, hereinafter Lending Club. The email states that my payment could not be processed and there's a past due balance on my account and when I check my bank account the payment clearly shows that has been successfully processed. Lending Club 's email/information is completely false. I've always had more than sufficient funds to cover the payment. I've contacted their customer service department on several occasions to dispute/fix this issue and after multiple transfers and excessive holding time I was told that they will be looking into this issue and can not provide an answer immediately only for this issue to continue to repeat every month when payment is due.
Additionally, Lending Club is also reporting my account as being late/derogatory with the credit bureaus. I've disputed this fraudulent entry several times with the credit bureaus, but this is becoming like a revolving door and I'm getting tired to do this almost every month.
I've sent Lending Club an email to cease and desist this fraudulent practice and received no response. This complaint is almost my last resort before I'm going to file a lawsuit against this company. Thank you.
|
03/15/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
in XX/XX/XXXX i enrolled in a debt relief program which included this loan. i was not happy with how the program was going and stopped being enrolled in the program sometime in XXXX ( around the summer time ). At no time was i contacted by lending club by phone, email or mail to make payment arrangements to pay off the outstanding loan. On XX/XX/XXXX, I recieved a phone call from XXXX XXXX XXXX in reference to this loan stating they are looking to set up a payment plan. i advised them i currently enrolled in a debt management program and provided them with the phone number. i contacted the program i am currently enrolled the next day to inquire if they contacted them, they had not. i contacted XXXX XXXX XXXX again they stated the number was not working, i once again provided the phone again. bare in mind the number i provided to XXXX is the same number i have been using to contact the debt mang company and there have been no issues. I spoke with my debt mang company on XX/XX/XXXX and there are still no communitcations with XXXX or Lending Club. Also this account has posted to my credit report under as a collections account although no efforts had been made previously from XXXX XXXX or XXXX XXXX XXXX prior to XX/XX/XXXX phone call.
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10/25/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
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Web |
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Lending Club approved my {$15000.00} loan. On XXXX/XXXX/16, only {$14000.00} was deposited to my bank account. When I inquired on XXXX/XXXX/16, Lending Club noted that there is a {$900.00} origination fee and I only had 72 hours to cancel the transaction from XXXX/XXXX/16. I was advised that the only option was to pay the full {$15000.00} plus interest. I ended the call.
Today, XXXX/XXXX/16, I spoke with XXXX, a supervisor from the payment department, requesting an early payment ( I never used the {$14000.00} and needed time to come up with the additional {$900.00} to close the account ). I explained that only {$14000.00} was deposited, and now I owe {$15000.00} ( {$900.00} origination + {$320.00} interest ). I wanted some relief, however, she could not reverse the fees or offer some help.
From a consumer standpoint, I strongly believe this is unfair and abusing lending practice, especially since I wanted to return the money after discovering this sham. The website makes it easy to take a loan, but puts the details in " fine print '' making it a financial hardship for consumers to repay once we hit " accept ''. I still have the {$14000.00} in the bank and not have to cought up $ XXXX for a transaction that I wanted cancelled.
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06/08/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
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I started a hair treatment, with the XXXX company of XXXX FL, with a total cost of {$4500.00}, I spent about 8 months paying the bank lending club that was the bank that approved my credit, for the treatment, I paid the bank XXXX dollars a month, but because the treatment does not worked and the fall of my Hair got worse with the treatment provided by XXXX, I withdrew from the treatment. Lending club paid the entire treatment XXXX dollars to XXXX at the beginning. Now I owe the bank a total of XXXX dollars, despite having withdrawn from the treatment which I consider I should not pay for lack of results and not having a guarantee of satisfaction. I have made a total of 3 bank disputes, which have been denied to me by the bank, they tell me that I should pay him so he is not receiving treatment, since XXXX XXXX refuses to reimburse the balance due to the bank. I urge you to help with this problem, as I find it absolutely unfair to have to pay for a product that did not work for me and that I am not currently receiving, so I will retire in XX/XX/2017. But Lending Club insists that I must pay them. please help me I'm desperate and nobody gives me definitive solution. I thank you in advance for your good offices for my problem.
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02/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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In XXXX I made a agreement with Lending club for reduced payments for the month of XXXX and XXXX in the amount of XXXX the XXXX payment was due on XX/XX/XXXX with a 15 day grace period provided by Lending club. The XXXX payment was made on XX/XX/XXXX via ACH debit through my checking account. On XX/XX/XXXX I received an alert from a credit reporting agency that Lending reported a payment of 30 days past due for the month of XXXX. I immediately called their customer service line to clear up the issue, I was told it was a glitch in their system due to the reduced payment and that my credit report would be updated. The correction was made on or around XX/XX/XXXX, but on or around XX/XX/XXXX the 30 day late payment for XXXX was re-reported on my credit report again. I called Lending club again to resolve the matter and was told the same thing that it would be corrected and not happen again. The correction was made on or around XX/XX/XXXX per the alert I received from the credit monitoring agency. On XXXX I received an alert that the 30 day late payment was once again reported on my credit report for the 3rd time. This has caused irreparable damage to my credit report and also mental anguish to me and it has disrupted my life.
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01/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I have been trying to payoff a loan since XX/XX/XXXX. I sent a personal check and they did not receive it per them. XXXX XXXX bank issued a stop payment and sent out 2 more checks. One to payoff one of my accounts XXXX for {$11000.00} and a principal reductions on another account XXXX for {$2500.00}. These checks cleared by account on XXXX and Lending Clubs on XX/XX/XXXX but Lending Club has not posted them to my account and they say they do not have them, but it takes 7-10 to post or 10-14 days depending on who and what day you call the story changes. It was on auto draft but they took the one off auto draft that I was paying off, but I am afraid they are going to report me to the credit bureaus. They say they won't be they can not be trusted. I have called everyday for 2 weeks now and I get the run around and now they want me to do there job and track down the checks. I have attached to this compliant, but I am not getting anywhere. I see that the FTC filed a compliant against Lending Club through the XXXX. That should say something about their creditability. I want the checks posted to my account and a signed letter from Lending Club stating that I will not be turned over to the credit bureaus for any late payments..
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04/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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My account charged off in error. Even after me making payments.
I called in on XX/XX/XXXX two times, XXXX, XX/XX/XXXX, XX/XX/XXXX, and now twice on XX/XX/XXXX. I spoke to several people who informed me not to worry my account would be corrected and I would not be adversely affected. Today Lending Club reported to the credit agency 's that I have a charged off account which has made my score drop approximately 100 points. I think this beyond unfair to me as a consumer. I was reassured on several conversations with their company that this would not happen.
I reviewed the documents sent to me for the loan and it does not mention anything about charge period being expedited.
I called in on XX/XX/XXXX and made a payment via phone in which the rep told me she would set me up auto payments. Asked for a supervisor to call me.
Called in on XX/XX/XXXX payment did not come out of my account because it was removed and still in a charge off status. I told them I would be happy to make my payment when this problem has been corrected. Asked for a supervisor to call me.
XX/XX/XXXX still no resolution. No supervisor has called me since my request on XXXX. Every time I call I am told someone will call me but that never happens.
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03/01/2021 |
No |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
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|
Web |
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Account was closed XX/XX/2021 with no notice or reasoning. I was asked To submit ID and a bank statement from another account to which I complied. I have called several times and and always am told the research department is investigating. My tax return showed it was deposited to the account on XX/XX/XXXX. The last representative I spoke to said my account is now closed and I would be mailed a check for {$100.00} ( my balance before my stimulus and tax returns were deposited ) He stated my account was closed on XX/XX/XXXX so they do not have my {$1700.00} tax return. Its been almost a month and I have yet to receive any check and am not able to update my tax return. I also filed complaint with XXXX and theres dozens of complaints all with the same story. I want to find out what I can do to recover my stolen funds regardless of the fact they closed my account with no reason I need to know how to get my money from these crooks and they need to be shut down immediately. Also have to contact IRS and determine if theres anyway to recover my funds they stole from that. Being recently unemployed and desperate need of the money they stole from myself and many others is imperative. XXXX XXXX is the name of the so called bank.
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03/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I took out a personal loan with The Lending Club in XXXX of XXXX in the amount of XXXX for 3 years - 36 payments. This loan was ALWAYS paid on time, every month, with never a single late payment.
The last payment was sent in XX/XX/XXXX in the amount of {$1200.00} for the remaining balance on the loan per their payoff schedule.
Three months later I get a notification that my credit report has a derogatory mark from this company for {$100.00}.
I have never received any notification, bill, or statement from them for this amount.
Since I was notified of this charge I have tried to access my account online through multiple avenues but appear to be blocked from access to any of my data after the loan was paid off. It can not find my account information, it's as if the loan does not exist even though I was previously able to access it.
I have emailed and called over a three week period asking for an explanation. Emails were never responded to. On the phone calls, I was told a manager would look into it and call me back, which has never happened.
Now I have this derogatory mark on my credit report causing problems for me, with nobody at this company able to explain this charge or provide any information whatsoever.
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09/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
I was told repeatly that there was not any origination or up front fees with this loan when I spoke numerous times with account representative on the phone.
When loan dispersed I was charged a origination fee of {$480.00} on the {$8000.00} loan.
I called numerous times to Lending Club XXXX only to be put on hold and then hung up on, told they would look into it and get back to me, and refused to let me speak with a supervisor.
I then sent them a letter and email regarding my issues they then debited my checking account 4 days early for the monthly payment which caused issues with my checking account overdraft.
I called again about both of these issues and was again told someone would address my problems but they never called or emailed me.
I proceeded to close my checking account so they could no longer debit it.
They violated the terms of our agreement/contract on origination fee and early debiting my checking prior to the agreed due date of a payment.
Lending Club never addressed my issues and sent the account to a collection agency. I have been receiving harrasing phone calls from 4 different agencies/legal that claim to have the account, and my credit reports shows chargoff and collections.
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09/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
In XXXX of 2021, I obtained via the website for LendingClub, a payoff amount for an installment loan. The payoff amount quoted was {$15000.00} and was paid in full, on XX/XX/2021.
In XXXX of 2021, I received an email stating I was 74 days past due for an amount of {$1300.00}. I immediately called and spoke with multiple representatives, who initially refused to provide me with account information, as there was allegedly a POA in place. However, that POA had been removed less than 30 days after it had been initiated, in XXXX of the year prior.
After several weeks, the investigation concluded that I did not have the appropriate information available to me, to know there was a remaining balance, when I'd been provided a payoff amount, via the LendingClub website and that I should have been notified BEFORE I was 74 days past due. The result of their investigation was to report a 30 days past due and a paid in full status.
This resolution is unacceptable for multiple reasons.
1. I was never late. I paid the entire account balance in XXXX.
2. It took more than 4 months to notify me that there was a balance, and I received it ONLY after derogatory information was erroneously reported to the credit bureaus.
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05/27/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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|
|
Web |
|
On XX/XX/2021 we recieved an email stating a check we mailed was not received and that we needed to wire the funds. Knowing we needed to get the work done, we wired them XXXX {$90000.00} ). We called 4 hours later to make sure that they had received the wire. They in fact had received the check and did not request the wire. We called our bank XXXX XXXX XXXX immediately to get the funds back. They called Lending Club, the bank we wired to in hopes to get them to stop the funds from going to the person who fraudulently emailed us. Our Bank 's Operations Security Manager was told they needed to talk to us ( and so I called, requested to speak to the fraud department. They would never send me to the fraud department. When I talked to the FBI agent assigned to this issue and she suggested I call again and ask for XXXX in the Fraud department. I called on XX/XX/2021. I was never transferred to the fraud department nor to XXXX. I had to beg them to write down the information regarding the wire to get it stopped. I was promised a phone call by the end of business that day. I gave them my cell phone number so that I didn't miss it and I have yet to get a call back. Our bank is still getting the run around too.
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07/14/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
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I have a loan with Lending Club. I was informed that I habe the ability to change my due date which I atrempred to do online. After making the change a enaul waa sent to me stating that because of the requested change that 2 payments woukd come iut of my account in one month. That made no sense to me at all so I contacted the agency on XXXX XXXX for clarification but after 30 to 45 minutes on the phone wuth the representative I had not accomplished anything so at that point I told the representative that I wanted my payment to remain as is with payments coming out on the XXXX of the month and he asked me was I sure several times and I said yes and he said ok the payment would come out on the XXXX. I thoght everything was taken care of until I started to recieve phine calls from a XXXX area cose this week to finally I was able ti acceor the call today XXXX/XXXX/17 and the representative stares that they were calling about my payment annd I was within my grace period. This is an unlawful practice because my account was comprimised and slated to have two payments come out of my account in XXXX/XXXX/17. Please have the employee and company reprimanded for this. Something needs to be done I feel violated.
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12/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
The first problem I had with this company was that they issued the loan I was approved for 30 days late. The official start date of the loan came before I actually had the funds. I pursued the company through the legal realm and they never responded to multiple letters. They actually withdrew my first payment on the day I received the loan deposit! Then they did not factor this into my payment schedule and would not adjust my loan payment dates, I contacted them SEVERAL times about this, yet they refuse to do anything about it. The conversations were demeaning to me. They made threatening and harassing phone calls to my co-signer which caused my character to me defamated. They also took my money after making a large lump sum payment during the Covid-19 lockdown that was supposed to stretch out over 3 payment cycles and by mistake added to my principle balance so it looked as if I was not paying on time during this time, when I was clear the payment was for the next 3 payment cycles. I talked it over with them several times, yet they have NOT corrected this on my credit. It is very hard to get in contact with the department who handles any of their credit reporting, they do not receive direct calls.
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06/08/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American |
LendingClub is an online consumer loan company - outrageous interest rates that they do not explain adequately in order to deceive the borrower. They focus on monthly payment amount and not the fact you will basically pay for the loan twice. Furthermore they prevent access to your online account to audit payments and have insight into their lending practices. I have not been able to get access to my account for 6 months. They insist on you having a verification code which they say they send to your email and is valid for 10 minutes. The codes finally arrive in your email 24 - 48 hours later after the code has expired. I contend this is to prevent consumers from realizing the extensive amount of interest being charged as well as making any additional payments. Attempts to complain or resolve are left unanswered. I have spent a total of 4 hours trying to get this resolved. The last time I could access my account was in XX/XX/2018. Consumer should be made aware of this practice and to be cautioned against this practice. The company does not send out electronic or paper statement affording the consumer no access to their account activity or history all in an attempt to cover up their lending practices.
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09/21/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
I have two loans with Lending Club : 1. Account No. XXXX 2. Account No. XXXX I made a payment 29 days ( by Certified mail with return signature card ) after initial due date of XX/XX/2018 for Loan XXXX. I have a signed return card with stamped time before XXXX XXXX on XX/XX/2018. They recorded it as received on XX/XX/2018 and they applied the payment to XX/XX/2018 payment and they have recorded that no payment was received for XX/XX/2018 payment. They are reporting falsely and fraudulently to the credit bureau that I am between 31-120 days late on my payment. Their accounting reporting online is unclear for interest calculation and also late payment calculation. They do not mail official payments such as required by every other loan company with the detail information of payments. I am requesting that they provide paper statements as required by every other bank and that they apply the payment they received on XX/XX/2018 to the XX/XX/2018 payment the way it should be. I did not realize until later that this loan company was affiliated with XXXX XXXX whom has been involved in so many fraudulent schemes in many year or else I would have not accepted this loan from this type of affiliated bank.
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05/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
I have asked Lending Club on various occasions to refrain from contacting me by telephone, and instead to communicate strictly in writing. Lending Club nonetheless continues to attempt to contact me by phone. Today, in the span of approx imately 15-20 minutes, I received two phone calls from XXXX different numbers and locations. One of the p hone numbers ( from a XXXX XXXX area code ) was a Lending Club number. Lending Club did not leave any message. Lending Club has employed similar tactics in the past, and I have complained to Lending Club about its aggressive phone tactics in the past, among other things. I have also complained, in writing, to Lending Club about other issues in the past and have requested documents of them. To the best of my knowledge, Lending Club never sent me all of the documents that I have requested of them in the past. I am requesting, once again, that Lending Club refrain from contacting me by telephone, and to cease and desist from contacting me by telephone, or attempting to so contact me, at any time, unless I expressly grant permission in writing ; and otherwise to refrain from engaging in harassing, deceptive, and/or other collection tactics.
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02/21/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
Two years ago I responded to an offer from the Lending Club and I took a debt consolidation loan with them. The payments were {$950.00} and at the time it seemed like a good way to quickly pay off debt. Unfortunately my wife became XXXX and could not work. She applied for Social Security XXXX but that takes years to get. Nevertheless, I kept up the payments. Last summer it was becoming very difficult to make the payments and pay for health care and care for our son.
I contacted the company and explained this to them and asked if they could reamortize my loan and that I would repay the entire amount once my wife 's XXXX award came in. They refused saying that is not something they do. I continued making the payments until I could no longer do so. The outstanding balance at that time was around {$10000.00}. They have sent my loan to collections, after one month, and when I spoke with them, their response was the same " too bad for you '' that I got from the Lending Club.
I can not comprehend why, given the circumstances, they would not reamortize the loan. Many lenders actually forgive significant portions if not entire loans when XXXX strikes and all I sought was a reamortization.
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02/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
I was told my interest rates would be low and I wasn't told about a Principal and I was told with each electronic payment from my bank account the payment would be subtracted from the amount I owe. I requested for a {$10000.00} loan but all I received was {$9400.00} and they started billing me for {$10000.00}. Every month since it was started they take out {$390.00} from my bank account. I went online to check my balance and it had not went down but up. I called to ask what was going on and the person I spoke to could not tell me why and he also could not tell me why I did not receive the whole amount I had initially asked for, but they are having me to pay for {$10000.00} loan. I have paid three times on this loan of {$390.00} and the next payment is XX/XX/2018 that they will be taking out of my bank account. I was lied to and they are just draining me out of my money at this point what they are doing I will never be able to pay off this loan. I am so tired of getting the run around. Car note loans, Students etc never raise the balance after you pay on them but this company is not fair taking my money and continuing to raise the balance. It was suppose to be a fixed rate of 4.99 %
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03/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
I took out a debt consolidation loan in the amount of XXXX dollars from Lending Club Corporation, My payments are due in the amount of XXXX on the XXXX each month I used my Credit unions bill payer service to send my first pavement to be there on the XXXX the bank shows that the bank draft was mailed and sent there, however the lending club corporation says they did not get it, this is highly un likely as it was a bank draft sent directly to the company from my bank, I went ahead and put a stop payment on the check, and then sent another personal check overnight to the company and the United States Post office shows it was received and signed for by a representative of the company, The company is still showing they have not gotten my payment and is holding me as late grace period. I have called numerous times with no help from them whatsoever except they continue to suggest that I do automatic drafts from my checking account, I believe this company is practicing deceptive trade and credit reporting in an attempt to force consumers to allow them access to there personal checking accounts, as of writing this I am still in past due late status 24 hours after my payment was received
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06/19/2020 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
I borrowed money from the Lending XXXX in XX/XX/XXXX, {$17000.00} to be exact. They automatically withdrew {$550.00} from my XXXX XXXX XXXX checking for 14 months. Totaling close to {$8000.00}. I refinanced my house in XX/XX/XXXX and I paid off this account. The mortgage company sent me a pre made check to the Lending Club. The amount was actually more than was owed. I called them before hand and explained this to them, and they said they would send me the refund. The amount I overpaid was {$1300.00}. I have called them over 30 times and explained this situation, and at the beginning they said they already sent it to me in my XXXX XXXX account on XX/XX/XXXX. I have never had a XXXX XXXX account! Never! I continue to call them daily with promises of a return call, and I never hear from them. I have sent them my XXXX XXXX XXXX banking statements proving that I never received it. They put the direct deposit into someone else '' s account and do not want to accept the blame for that. The {$1300.00} is mine and I could certainly use it as my salary pay at my employer has been decreased by 30 % during the Covid19. If you could in someway help me, I would really appreciate it.
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08/29/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was Lending Club. Depending on which credit bureau you look at, Lending Club reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau.
Lending Club sold the alleged delinquent debt account to XXXX XXXX XXXX.
In XX/XX/XXXX, I paid XXXX XXXX XXXX for the full amount that I allegedly owed : {$16000.00}. Both Lending Club and XXXX XXXX XXXX assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent.
Lending Club did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, XXXX XXXX XXXX refuses to update Lending Club with this information or forward them the letter proving that I paid off the account in full.
I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.
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02/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
I had sent a payment approximately XX/XX/XXXX for my auto loan that was due XX/XX/XXXX. For weeks I watched the account and my bank and had not seen the payment applied. When I reached out to the bank there was no record of my check received and no further information available. When I told the operator the issue they told me something was probably wrong with the post office.
On the due date XX/XX/XXXX I called and checked online at both institutions and there was no indication and no information available that they received payment. I scrambled and used their high cost XXXX XXXX powered module on the Lending Club website as a last resort to avoid late payments.
On XX/XX/XXXX I come to find the check was deducted from my account as if it were presented on the due date in addition to the funds made payable through XXXX XXXX. I feel this practice is done purposely to inhibit prepayment and to keep the clock ticking on the interest until the last possible day. I feel this is an infringment on my right to prepayment without penalty and is a deliberate action of the institution.
The bank is Lending Club. Their address is XXXX XXXX XXXX XXXX Texas and my account # is XXXX
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03/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
Lending Club erroneously reported my XX/XX/XXXX payment as late to the credit bureaus a total of four times. My monthly obligation is {$600.00}. In XX/XX/XXXX, I paid after the due date but within the grace period. Lending Club erroneously charged me a {$23.00} late fee even though I paid within the grace period. I spoke with a Lending Club representative and was told the fee would be waived. Following that, they reported the XX/XX/XXXX payment as late for the {$23.00} late fee. They corrected their error in XX/XX/XXXX but since then have reported the XX/XX/XXXX payment as late again three more times : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Lending Club also corrected the XX/XX/XXXX and XX/XX/XXXX errors ; I now have a dispute in with XXXX for the XX/XX/XXXX reporting which I submitted yesterday. The trend is that Lending Club reports this erroneous information to the credit bureaus every 2.5 months. I am attaching emails from Lending Club confirming that they have corrected each of the past three errors. I want Lending Club to stop repeatedly incorrectly reporting my XX/XX/XXXX payment as late which, of course, negatively impacts my credit score each time they do it.
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06/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
I started a online application with myself and a co-applicant to check rates without affecting my credit score per their website. After checking my rates I called a few days later to review and ask some questions over their balance transfer loan process. During this call I did not request and was not made aware that the agent assisting me was starting a loan application for me under my name only. I ended the call and a few days later when I was ready to submit the application for the loan I noticed that my co-applicant was not on the loan. I called to inquire about this and was told by the agent on this call that since I am the main applicant only my name would show and the co-applicants would show on another page. With this information I then submitted the application and was approved for the loan, without the co-applicant on it. I did not know I was submitting a application for myself only as that is not what I started online and was not told by any of their agents that there started a new application under my name only. I want the credit inquiry to be taken off as it was ran under false information given to me and a false application I did not agree to submit.
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11/14/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
This is as far as what happened XXXX XXXX XXXX XXXX, I am totally disappointed as this institution has the way to convince take advantage of the money of the parents, my daughter XXXX who attended this Academy from XX/XX/XXXX to XX/XX/XXXX I have not seen any change progress in their Totally deficient math grades, with a totally low grade. The only thing that my daughter was taught was divisions that is not fair.
They do not have trained teachers or a better teaching method for the student.
Now they according to their record that my daughter took XXXX hrs those XXXX hrs is nothing based on what? my daughter did not learn anything, I flatly refuse to pay XXXX dollars as the manager told me that I would have to pay that is not XXXX, I am a single mother I do not have financial resources to pay.
I also want to let you know XXXX XXXX XXXX the manager was a way to make a trap when I signed the contract, everything was in English I did not understand the process and signed without knowing what I was doing, I speak XXXX I beg you to have consideration to my request I can not pay the sum of XXXX dollars, I totally reject and I hope not to be ignored by you.
Thank you
|
08/24/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
I opened a personal loan with Lending Club ( Loan # XXXX ) on XX/XX/XXXX.
I made an additional payment to the principal via check on XX/XX/XXXX. This payment was credited solely to interest, despite being properly identified as a Principal Only payment, and per the Lending Club published FAQs. I contacted Lending Club via email multiple times to correct the error, and received no response. On XX/XX/XXXX, I contacted Lending Club via XXXX, and was promised the payment would be corrected and applied as of XX/XX/XXXX. This would take 5-7 business days.
On XX/XX/XXXX, I logged back in to see payments made on XX/XX/XXXX, and XXXX, XXXX were reversed and reapplied on XX/XX/XXXX. Also a payment made to Principal only on XX/XX/XXXX, was credit to interest and principal.
I contacted Lending Club and was told the following by their General Payment Customer Service contact center agent who identified himself as Judge : Lending Club will not provide Payment Statements to customers The information on my Payment History online is incorrect Lending Club will not provide a corrected version Lending Club will not send me an email saying my account information is correct.
|
03/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
The following information appears on my credit file as a result of identity theft. I believe my ex husband, XXXX XXXX, has been using my identity to fraudulently obtain goods in my name. I have not had these credit cards or loans and I in no way benefitted from any of this money or credit accounts and they must be removed from my credit file as soon as possible as they are causing me harm. The following information is inaccurate and fraudulent and must be removed.
Accounts : XXXX XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$4900.00} XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$18000.00} Lending Club CORP Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$16000.00} XXXX XXXX XXXX : XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$12000.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX Date XX/XX/XXXX XXXX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX Date : XX/XX/XXXX Please remove this offending information as it is inaccurate and causing myself and my family harm.
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06/25/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
I am filing a complaint against the three credit reporting agencies, The Lending Club and also XXXX XXXX.. sometime in XXXX I received a call regarding my cousin asking if I can be a reference for some dental work he was getting done! I asked him why did he need a reference and he said so they can call because he was getting a loan and I would not be the only one. Next thing I know I receiving something in the mail stating that I have a loan.. I was not aware of any loan! I feel bamboozled, manipulated and taken advantage of.. I never gave my conceit for them to use my information. I never signed any paperwork and never went to any office to give anyone permission to run my credit.. My cousin also is blind to the whole thing. The dental office have been giving my cousin and I the run around since this whole thing happened. They refuse to talk to us or even set up a meeting to know who it was that violated my privacy. They signed the paper work with the wrong name and everything.. Not only am I upset that this happened, I am afraid of what these people are capable of.. I have filed several reports to the lending companies as well as the city police station.
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06/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I have disputed inaccurate information off of my credit report numerous of times within the past five years, and the information either keeps coming back on my credit reports or does not come off. I have been a victim of identity-theft back in XX/XX/2012, which fraudulent account keeps appearing and reappearing on my credit report. I have filed a police report. I have sent a copy of the police report and a copy of the identity theft affidavit to all three credit bureaus but have issues with the fraudulent information coming off of XXXX. For some odd reason, XXXX is violating the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have filed a complaint with the Federal Trade Commission, filed a complaint with the XXXX XXXX XXXX and nothing have been resolved with the credit bureau. I have submitted a numerous of disputes and nothing have came off of my credit reports. Now, this is my ninth time disputing this fraudulent information, if nothing gets done this time, I will report this credit bureau to the attorney general. Please help me in getting the inaccurate information off of my credit reports. IF this issues does not get resolved.
Thanks a lot.
|
11/10/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
This is as far as what happened XXXX, I am totally disappointed as this institution has the way to convince take advantage of the money of the parents, my daughter XXXX who attended this Academy from XX/XX/XXXX to XX/XX/XXXX I have not seen any change progress in their Totally deficient math grades, with a totally low grade. The only thing that my daughter was taught was divisions that is not fair.
They do not have trained teachers or a better teaching method for the student.
Now they according to their record that my daughter took XXXX hrs those XXXX hrs is nothing based on what? my daughter did not learn anything, I flatly refuse to pay XXXX dollars as the manager told me that I would have to pay that is not XXXX, I am a single mother I do not have financial resources to pay.
I also want to let you know XXXX XXXX XXXX the manager was a way to make a trap with me when I signed the contract, everything was in English I did not understand the process and signed without knowing what I was doing, I speak XXXX I beg you to have consideration to my request I can not pay the sum of XXXX dollars, I totally reject and I hope not to be ignored by you.
Thank you
|
02/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
Ive been scammed on the internet by a so called trading company. When these people were in the process of scamming me I received a letter through my regular mail about the Lending Club bank based in California. They were offering high interest rate loans of up to XXXX XXXX. Because I was operating under the illusion I was making good profits in the gold vs dollar market and being conned by the scammers, I applied for the loan to deposit more money in my trading account that in the end was all fake and I could never withdraw any money from it. The loan was approved in 3 days and they did not ask for any proof of income. They only checked my credit score and went ahead with the loan. Now. this scam I was the victim of is being investigated by the FBI. I had never applied for a loan before and did not search on the internet so it is really kind of weird I received that promotional letter from Lending Club at the moment I was being duped. Im in the process of filing for bankruptcy since it will be impossible for me to make 1390 monthly payment for 36 months. The first payment has already being debited from my bank account but I intend to close this account.
|
06/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
I applied for a loan on XX/XX/21 to consolidate credit card debt. I took an offer with LendingClub. They asked me to submit new documentation to finally deny my loan three days later. I said find. I went to the competition. XXXX approved and funded my loan within 24 hours. " LendingClub '' then came around, approved and funded my loan too. Obviously, I rejected one loan ( I can not have two loans ). I rejected the " LendingClub '' loan. In some type of retaliatory move, " LendingClub '' then placed a Hard inquiry on my file on all three credit reporting agencies XXXX which they didnt need to deny or approved my loan before ). " XXXX '' didnt need it. They never placed one. Then " LendingClub '' reported to all three credit reporting agencies ( XXXX, XXXX, and XXXX ) That I took out a loan with them. This is INACCURATE information and a clear violation of the Fair Credit Reporting Act. It only took them 6 days to report to the credit agencies that I had taken out a loan. But it has taken then 45 days ( and counting ) to report that I have rejected that same loan ( loan was rejected on XX/XX/21 ). This needs to be corrected. Thank you CFPB for your help.
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02/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
I have a personal loan with lending club. It is a once a month payment due on the XXXX of each month. On XX/XX/20, I saw a charge on my online banking that was posted from lending club.com for {$11.00}. This amount did not match my payment plan and was not scheduled. I call lending club to see what it was and they said they had no record of the charge and could not see it on their side. I called my credit union and they could see that the money was pulled out of my bank at lending clubs request on XX/XX/20. I called lending club again today ( XX/XX/20 ) and the person now tells me they are aware of the situation and they switched computer programs and emails are being sent out to employees that there is a widespread problem occurring with unauthorized payments being pulled from peoples bank accounts. She was glad mine was only {$11.00} dollars and not a XXXX dollars and implied that other people were having that much unauthorized deducted. She said their computer program is automatically reversing the unauthorized charges. By the end of the day today, I still dont see a reverse on the charge yet ( and neither does my bank when I called them ).
|
10/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
I sent my payoff check to Lending Club Corporation ( priority mail ) to Lending Club ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, CA XXXX on XX/XX/2021. Lending Club received the check ( {$9900.00} ) on XX/XX/2021 and cashed the check on XX/XX/2021. I included a copy of my payoff with the check and wrote my account number on the check. I have called Lending Club just about every day since XX/XX/2021 to see if they have located the payoff funds. They claimed that they do not have a record of the funds but they cashed the check? They advised me to obtain a copy of the canceled check so I did and emailed the proof that the check was cashed on XX/XX/2021. Lending Club stated that the front and back copy of the canceled check ( that was emailed on XX/XX/2021 ) was not enough and that they needed a XXXX XXXX ID or a bank statement showing the check was cashed. The check was issued from the title company that funded my home loan so I am sure they will not provide me with a bank statement. Not to mention the federal trace ID number is associated with wire transfers. I did not have a wire I mailed a payoff check.
|
07/07/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Confusing or missing disclosures
|
|
Web |
Servicemember |
On XXXX XX/XX/XXXX I made account on Lending Club to search for lenders for a debt consolidation loan, I input my debt and requested loan. I receive a better quote from XXXX XXXX XXXX and I accepted and payed my debts, 3 days later I check my account and saw my accounts had been paid again. I was confused. I looked up Lending Club and found the first loan request had been approved and had paid my debt. All I requested was a loan. I never signed a promisary loan or any other paperwork. I requested refund from all accounts had been paid twice. I paid account to the full Im 3 days and explained to them I never signed any documents and she told me when I hit submit I gave consent. I hit I submit to request a loan. None of the documents In this account are signed by me. I requested they close account and they stated I owed XXXX Im processing fees, I told the, processing fee for a loan I did not approve. This borders on criminal. People should know what fees they are paying before agreeing to a loan that I paid back in 3 days. They used a power of attorney to sign my documents but I did not give anyone a power of attorney, please stop this company.
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03/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
I got a loan of XXXX dollars, annual interest from lending club 29.93 % in 36 monthly installments, the amount of installments is XXXX dollars every month. In XX/XX/2019 I made my payments on time and there were no late payment or missing payments. I was struggling with covid XXXX, i lost my job and they helped me for two months and thats when I didn't pay for XXXX months. They increased the number of installments to 38 months, then again when the time expired, I continued to make my payments properly and on time, but I saw that the debt did not decrease normally, the difference is now XXXX dollars. The amount of the debt has increased and it is increasing every month. 7 months ago, when I looked at my remaining debt, the difference was XXXX dollars. 3 month ago i checked the difference and it was XXXX dollars. Now the difference was XXXX dollars. I called the customer service, they did not help, they made up a lot of excuses, they helped as covid XXXX aid, but they charged me more and this debt is increasing every month. As of now, I have XXXX installments left XXXX * XXXX = XXXX dollars, but my debt to them is XXXX dollars now.
|
09/23/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
I took out a personal loan with Lending Club and my payment is due the XXXX of every month. Lending Club sets up your monthly payment to be auto drafted from your bank account which I opted out of as it is my right. My plan has been to make a payment every XXXX weeks of {$1500.00} which exceeds my minimum required payment by almost XXXX. In this case, I made online payments of {$1500.00} on XXXX, debited XXXX, and XXXX debited XXXX, and according to Lending Club, I still owe a payment of {$870.00}.
After discussing the matter with Lending Club directly, I 've been informed that the only way to ensure a payment is correctly drafted is to call on the payment due date, or to mail a check which is subject to a {$7.00} processing fee. If I do not do it this way, my additional payments will be held up until I call in to make my original monthly payment. At then end of 30 days past my due date, I was told my loan will be marked delinquent, the credit bureaus will be notified, and my account will be sent to collections. At this point, I will have paid {$7500.00} towards my loan to which Lending Club will state that I owe {$1700.00}.
|
10/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I contacted company explaining that I never made or authorized the XXXX transaction from lending club or so company it said on my credit score I wrote into XXXX they write back saying and explaining there was no account number active by the account number I wrote in and sent copy to them about. I contact credit card company explaining my credit card was lost/stolen but they fix part of it cancel old card and put a stop to it but do n't take transaction off that I never authorized so I never said to authorize the transaction that I never made of an account that does n't exist so I 'm really tired of this and trying to fight to get rid of the fraud charge that I should n't have to pay because I never made the purchase and its starting to really XXXX me off I 'm about to cancel and close credit card because of the company does n't wan na do their part and fix the problem ... I just mailed out a form demanding the fraud be fixed and permanently be reimburse and credited back so hopefully this works I 'm on almost 10th time contacting them should n't have to do it it should 've been done first or second time and fixed immediately.
|
12/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
On XX/XX/XXXX, I learned that my checking account was locked by lending club bank via the chat feature while I was attempting to reset my online account password. The customer service representative declined to tell me why they locked my account and was told it had been escalated to management.
On XX/XX/XXXX, I called twice to see what I needed to do to correct the situation and was not given any answers.
On XX/XX/XXXX, I called and was informed they just needed a copy of my driver 's license which I promptly sent.
On XX/XX/XXXX and XXXX, I still had not heard back and called again. On the XXXX they informed me that my file could not be opened and that they needed me to send via pdf, which I did.
On XX/XX/XXXX, they responded to my email asking me to send the document again and I did.
It's now the XXXX and I have yet to hear back and have failed to issue me a formal notice on why my account was locked in the first place. Each time I called I provided them with information including my date of birth, zip code, last XXXX digits of my social security number, etc. which should have sufficiently validated my identity.
|
08/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report.
Account Name : XXXX Account Number : XXXX Account Name : Lending Club Corp Account Number : XXXX XXXX. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes.
2. The date of last activity you are reporting for the below accounts dont match.
The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof.
|
07/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
Due to the COVID-19, I contacted Lending Club for suspension of my automated deduction payments until I return to work and start earning steady income. They agreed to suspend the payments for two months and contacted me to start making payments in XXXX after suspending payments for XXXX and XX/XX/2020. I told them that I had not been able to start working yet due to the uptick in COVID-19 cases in Texas but they told me that at least I should do whatever it takes to makes interest payments so they deductted {$370.00} from my checking account and scheduled another interest payment for the same amount for XX/XX/2020. Despite the hard times, they also sent me an email demanding another payment of {$890.00} on XX/XX/2020, thus collecting two payments within the same month despite the fact that I have not been able to return to work. I tried to call them to explain but nothing changed and they told me that they were going to damage my credit if I don't make the payments. Anytime they will attempt to deduct any payments from my account and there are insufficient funds, the bank will charge me fees adding more to my debts.
|
03/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
Lending Club made unauthorized credit inquiry. I did not input my social security number but received email from XXXX with my current score and account information.
Lending Club ADD BELOW See Your New Rate Hi XXXX, We're giving you this opportunity to pay down high interest credit cards, fund a home improvement project, or make a major purchase.
Lending club email request to inquire about the loan interest rate. I didn't input my social security number into the system nor did I approve the credit pull. I received notice from TXXXX with my personal credit score and account information. Please remove the inquiry from all credit reports.
Below is the information provided by Lending Club to prompt the inquiry.
With a personal loan through LendingClub, you can borrow up to {$40000.00} to meet almost any financial goal. Loans through LendingClub feature : A fast application and deposit to your account Flexible loan amounts and terms Low, fixed monthly payments No penalties for early repayments It takes less than 2 minutes to check your rate online, with no impact to your credit score. * Click below to get started!
|
02/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
My name is XXXX XXXX I was contacted by a contacted by a debt collector on XX/XX/2022 at XXXX XXXX in the XXXX advising me that I had open a bank account with XXXX XXXX is XXXX XXXX in the amount of {$1700.00} I advised them that I had never opened an account and I've never heard of that company they were unable to provide me with any I contacted XXXX regarding the account the account they advise me to contact use me to contact lending club and XXXX XXXX Who opened the account I am not in need of any money and I do not need to open a bank of account I have an established bank account with a financial institution she advised me to this link to report the fraudulent activity activity my email is XXXX XXXX phone number is XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX I need your help in resolving this issue. I need your assistance with this fraudulent case I have been receiving suspicious emails that someone has also tried to open up a XXXX claim with unemployment unemployment I would appreciate all of your help and feedback thank you very much sincerely XXXX XXXX
|
12/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
XXXX XXXX i sent a notarized Demand for Debt Validation by certified mail to Lending Club as my documents will show as well as the single letter I received a response indicating that there were not the original creditor and have not ceased and desisted pursing the alleged Debt. Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization to approval of a specific extension on credit directly or indirectly by the issue of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, Congress said ANY card. The credit card is my social security card. This is the card which was used to originate the consumer credit. This is a consumer transaction in which a finance charge was involved. In addition there has also been negative information added to my consumer credit report on XXXX, XXXX and XXXX bureaus which under tittle 15 chapter 41 my rights have been violated. I am protected consumer under title 15 Chapter 41.
|
08/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
An unauthorized ach debt payment was taken out my account for the amount XXXX and and additional XXXX on XX/XX/30. Called lending once I was made aware of overdraft fees from my XXXX XXXX account due to insufficient funds. Other payments I made was getting bounced and rejected because of the XXXX taken out my bank account. Called lending club XXXX and XXXX representatives submitted a refund incorrectly along with a supervisor. Called back that evening to find out if the refund was approved. Lending club representative said it was filed incorrectly and refiled the refund and said they would put a rush on it. Called lending club back XXXX and again talked to XXXX respresentives XXXX was a supervisor. XXXX they couldnt put a rush on the refund and there waiting nothing they could do it takes 7 business days to processing. I was told told to send in the overdraft fees as well and they would take care of that. Did that but No one can find a submission of that either. My family has been put in a finically dire situation due to them. Our utilities and food expenses are not being able to be met due to their error.
|
06/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
On XX/XX/2019 we received a response from LendingClub Corporation for CFPB Case No. : XXXX. In their response they state that the outstanding balance left owing on the account was interest accrued from XX/XX/2019 to XX/XX/2019. We just paid off two other accounts in full by the amount of the balance due from the online statements, the same way we paid this account off. Both accounts have a XXXX balance with no additional interest accrued. In one sentence of the response it is stated that the {$740.00} was applied to interest accrued from XX/XX/XXXX to XX/XX/XXXX and then it is stated in another sentence that this amount is the remaining principal with interest added to it totaling {$830.00}. This response make no sense.
Also they didn't address the issue of the bait and switching of the interest rate from 17.99 % at the time of application to 27.27 % as the final interest rate. We would never agreed to this loan at this interest rate.
No explanation was offered as to why our account was closed online, which they admit to closing in the response. Why was our account closed if the loan wasn't paid in full?
|
10/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
Lending club sold debt to XXXX XXXX/XXXX collector who was paid XX/XX/2018. Lending Club is still reporting an outstanding balance which is impacting our attempt to obtain a mortgage. XXXX and XXXX will not update our credit report with the document we received matching the credit account in question showing there is no longer a balance. We attempted to outreach Lending Club to obtain a letter as that is what the credit bureaus are requesting and Lendig Club refused to provide a letter or update the credit bureau information when speaking with them XX/XX/18. We have paid this debt, and find it extremely unfair they are reporting a past due balance. Lending Club is claiming since they sold the debt, they are not obligated to update the information. However, that debt is paid so its technically NOT outstanding if they sold it, as selling it means they received a payment from the collector, and we paid the new debt owner. Therefore, all parties received money. I am not disputing the payment pattern that showed there are late payments with lending club, solely that they are reporting an outstanding balance.
|
09/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
I submitted a consumer credit application with lending club bank and was denied. when they sent me the adverse action notice it stated they could not approve me based on things on my consumer report. I called the company and let them know they were violating my consumer rights pursuant to adverse action & Equal credit opportunity act by discriminating against my character and creditworthiness. I also made them aware that they didn't have the right to deny me credit because I'm the one who extended them credit with my credit card. pursuant to 15 USC 1602 Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. pursuant to 15 USC 1602 credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. i used my credit card ( SSN ) to incur a debt for personal use. also when I spoke with the supervisor on the phone he was admitting to discriminating, pursuant to 15 USC 1691e they are civil liable for failure to comply under the equal credit opportunity act.
|
05/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
In the prior CFPB complaint ( XXXX ) in which I requested a validation of this account - the company Lending Club provided me with a ( 1 ) page document ; which is attached, giving me only their snapshot of accounting and said the original creditor was named XXXX, and they closed the CFPB complaint without relief. The 1 page document they provided did not even list a contact person or phone number at Lending Club, or XXXX, and made the following outrageous claim that they were supplying me with " Other included items are written agreements and amendments, if any, payment transaction history, supporting documents, and if applicable, certain disclosures evidencing the existence of the above referenced loan number ''. You can take a look at that case number and clearly see they have sent me no such supporting documents, statements, signatures, etc that they say they sent. When I call Lending Club they have no clue how to help me, they said the debt was sold to XXXX XXXX XXXX. They are reporting my account as a charge off on all ( 3 ) credit bureaus as well! So many FCRA rules being broken and damaging me.
|
08/29/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
On XXXX/XXXX/XXXX I went to my Lending Club account online to continue to sell the notes I have invested in. My account, I was notified, was locked because they needed additional information and would I send a copy of my utility bill. This seemed very strange but I complied. Today XXXX/XXXX/XXXX I received an email requesting a copy of my utility bill and a copy of my drivers license. When I called to inquire why they needed this information so that I could withdraw money from account they said - after a great deal of arguing- that my XXXX credit report address did n't match their information. This is very strange since I 've never had any problems with any credit report and my address has been the same for 17 years and I 've had the account with Lending Club for 4 years. It seems that I sent a payment receipt and not the actual utility bill on Sunday XXXX and that was acceptable.
Lending Club has my money and is locking me out of it because they ca n't figure out where I live? They have my DOB and Social Security # ... they could verify it in a heartbeat.
Are they going broke? How is this possible?
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12/07/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
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In XX/XX/XXXX I had an unexptected job loss. Lending Club said they can do a 3 month hardship plan. I only had to pay {$120.00} for XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX. I was out of money due to unemployment running out. In XX/XX/XXXX, my unemployment came in 1 day later than the due date. When I went to make the payment, Lending Club said that I was in collections and I had to make up the 3 months of payments ( approximately {$1000.00} ). I did not have a job yet. I finally got a job XX/XX/XXXX, but my first paycheck was in XX/XX/XXXX. Lending club did n't disclose to me that I would have to make up the 3 months of payments when the hardship ended. I was given different information from different representatives. They reported a 90-day late on my credit. I made small payments and ensured them that I would catch up the payments. I have since paid them off ( XX/XX/XXXX ), but I am having trouble with potential employers because of my credit score due to the 90-day reporting. All I ask is that they remove the 90-day reporting because I was cooperating with the little money I had and I was misinformed.
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08/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
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Web |
|
My complaint is related to the general, vague and subjective verbiage of this wording in the promissory note. 'Any origination fee amount in excess of 5 % is refundable on a prorated basis over the term of the loan when and if the loan is paid in full prior to its maturity date. ' I paid a 6 % origination fee and have paid the loan off almost 50 months early. I have called several times as well as sent several email communications to inquire about how the origination fee refund is calculated. I read the promissory note several times as well as looked on their website for specifics into how the origination fee refund is calculated. The verbiage is too vague, general and subjective. No one I have talked to can tell me how they calculate the origination refund. It is rather disappointing that representatives would not know how to explain what should be an easy calculation when it is referenced in the promissory note. I just want a clear understanding of how the refund amount is determined. Is it the difference between 5 % and 6 % prorated or is it the full 6 % prorated and what is the prorated formula?
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05/07/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
Lending Club continues to list and report my payment as late to credit reporting agencies, despite the fact that the initial error in receiving payment was their fault as acknowledged by their employees, and the recorded conversations that I have had with them, and their own internal records. I have called numerous times and asked to speak to a manager, I have requested that a manager contact me to no avail. Each time I call, the representative is typically too lazy to read the notes on the account before requesting payment on the account. Additionally, I have emailed and requested that a manager contact me to no avail. On at least three occasions Lending Club employees have advised me not to make a payment until this matter is resolved. I am ready to pay this entire amount that is owed and wish never to be bothered with this company again if this matter can be resolved. It should not be this hard given all the detailed records and recorded conversations for this to be resolved. Everything that I have stated can be verified by Lending Club 's records taken during conversations with their employees.
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09/16/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
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Web |
|
This is and update to my original complaint. In review of my account, this company continues to apply MORE money towards the interest on the account that they should. Even after my payments were restored, they are STILL stealing money from me and this needs to be stopped. My interest payment should be going DOWN, yet for TWO months they stole my entire payment and applied it towards interest and on the THIRD month they continued to take nearly 80 % of my payment and apply it towards interest and that is NOT the intention of the deferment. HOW are you going to let them get away with this? If they are stealing from me, they are stealing from everyone else and SOMETHING has to be done about this. This is crazy that you allow this type of predatory lending practices. And on top of stealing my money up front, you are going to charge me interest AGAIN on the back end. BUYER BEWARE!! LendingClub is a predatory lender, they will steal from you in your face to line their own pockets and they could care LESS about the consumer. They should be sanctioned and shut down for taken financial advantage of people.
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04/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
|
I have been a victim of identity theft for the past several months. Ever since I first noticed it I have been getting monthly credit reports so that way I can assure no new accounts are being reported to any of the credit agencies. In XX/XX/2020 I noticed this new account. I immediately notified the company by letter that I have been a victim of identity theft and provided identification as well as my Identity Theft report. I asked the company to stop reporting this fraudulent information and to investigate the account. I asked for proof of the steps they would be taking. After 30 days I did not receive any correspondence from the company. In XX/XX/2020 I got a new report and the information was still being reported. I again sent another letter to them notifying them that the account was opened fraudulently. Again I have not heard any correspondence. Since it has been 60 days since the first communication I'm asking for assistance. I have attached both packets that I sent to the company as proof, a copy of my ssn card, a copy of my driver 's license, and a copy of my current identity theft report.
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04/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I have been a victim of identity theft for the past several months. Ever since I first noticed it I have been getting monthly credit reports so that way I can assure no new accounts are being reported to any of the credit agencies. In XX/XX/2020 I noticed this new account. I immediately notified the company by letter that I have been a victim of identity theft and provided identification as well as my Identity Theft report. I asked the company to stop reporting this fraudulent information and to investigate the account. I asked for proof of the steps they would be taking. After 30 days I did not receive any correspondence from the company. In XX/XX/2020 I got a new report and the information was still being reported. I again sent another letter to them notifying them that the account was opened fraudulently. Again I have not heard any correspondence. Since it has been 60 days since the first communication I'm asking for assistance. I have attached both packets that I sent to the company as proof, a copy of my ssn card, a copy of my driver 's license, and a copy of my current identity theft report.
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12/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
|
My name is XXXX XXXX, I have been writing and sending certified letters to XXXX XXXX XXXX in regards to two accounts ; the company is claiming there are two accounts that they claiming to be charged off in the amount {$2600.00} and the other is not reporting a balance. These accounts are negatively reporting on my credit reports. I previously disputed this account on two separate occasions. Not only that this company has yet to mark my credit report as disputed and I set out the first dispute letter XX/XX/XXXX. This is not my account, the debt collector 's has not been able to validate the account. The company responded to my first letter by sending out statements but nothing bearing my signature. They have yet to respond to me second letter sent certified mail XX/XX/XXXX. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company.The accounts in question # XXXX and # XXXX the whole account number is n't reported as well. Thank you
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03/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
On XX/XX/2019, I called LendingClub Corporation for a payoff statement. The representative told me the amount of {$7500.00} to pay off the account by check, which must be received by XX/XX/2019. She declined to email me a document with that information and instead directed me to download the statement from my account on the LendingClub website, which I did ( attached ).
LendingClub said they received the check on XXXX XXXX. I called them for an account status on XXXX XXXX and the representative said the check would take up to 10 days to process. I called again on XXXX XXXX and the representative said I owed an additional {$1500.00} in interest. I replied that the interest amount was not indicated on the payoff statement, but the representative said I still must pay the interest for my account to be paid in full.
LendingClub representatives have since called me on XX/XX/XXXX and XX/XX/XXXX requesting the interest payment. I explained that I dispute this amount because I believe their actions are illegal. On XX/XX/XXXX, the rep said my account will be sent to reporting agencies as delinquent.
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01/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
On XX/XX/XXXX, LendingClub Bank, banking partner of XXXX XXXX, suspended my account, demanding an external investment account statement ( from an account that doesn't provide statements ), info regarding my recent debit card transactions, and a copy of my XXXX Tax return. The freeze caused two returned ach deposits at different institutions that were in transit to the account before the account was frozen, hurting my relationship ( and causing another freeze at a different bank, where I have to explain why the ACH was returned ).
Paradoxically, the reason for the freeze and intrusive investigation is a result of LendingClub/XXXX " taking my security and privacy seriously. '' I can't reach them via phone as they're always " helping other customers '', and their email support is unresponsive, despite the 24 hour SLA. I reached out by email at XX/XX/XXXX XXXX XXXX XXXX, and I haven't heard back yet. I'm hoping that by filing this complaint, LendingClub/XXXX can institute an actual customer support channel, and in addition, will close my account+return my funds promptly to the address on file.
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03/06/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
Lending Club led me to believe that my loan had been approved and then went back on what they said a week later and denied my loan. I first received a preapproved letter from Lending Club in the mail and proceeded to apply. Within minutes of completing the requested information, I was told I was approved, but needed to finish the " checklist '' on my login page. I completed all steps, including providing very senesitive information like my bank account number and sensitive work information. A week later, when I had n't received the direct deposit and had not received any follow up correspondance, I logged back in and the website said that I just needed to call to confirm my identity for the funds to be dispersed. I did this, providing/confirming additional sensitive information by phone, then was put on hold indefinitely until I had to hang up to take a work call. I then received an email, stating they would be calling me by the end of the next business day to confirm some information. Except then later that same day, I instead received another email stating that I had declined for the loan.
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07/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
During the week XXXX, Lending Club has called me 15 times. I guess they are calling me about an " alleged '' " debt ''. There is no law that actually says i have to pay any bill.
On the recorded line, the lady said that lending club was indeed a bank. According to my research, A national bank has no power to lend its credit to any person or corporation. Bowen v. Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. According to 12 usc 1431, banks can not loan money or extend credit. Lending Club has violated my consumer rights on multiple occasions and I ask that you remove this account from my credit report. I didn't give any of the bureaus written consent to furnish a credit report on my behalf. That is also a violation of my consumer rights and federal law. Lending club is reporting an " alleged debt '' on my credit report which is a violation of 15 usc 1692b. Also, they called a phone number that's not even on the account. A number that i never personally gave to them. Which is identity theft because how did you even get that phone number.
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12/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I contacted XXXX in XXXX XXXX about the lending club reporting my account wrong. I told them I was late in XXXX not XXXX which they opened the dispute. In turn for retailation the lending club posted my account late in XXXX again and now XXXX I spoke to the chat person they agreed I had not been past 30 days in those two months. XX/XX/XXXX they send me where I can dispute above some line in an email. I do this and they then repost the lates so my score keeps tanking I am in line for XXXX and this has cost me a 2 month delay due to incorrect posting and the damages are insurmountable. Now they send me another email to go to XXXX which XXXX they know will not open a reinvestigation that has been done. I spoke to XXXX. So I have exhausted all avenues fighting with this company for lates that were not valid and are not valid. They do not listen I have called and chatted been hung up on.. Your my last resort before counsel ask for damages as XXXX shuts down at the end of this month I am XXXX points away and the points I keep dropping from this error is in excess of XXXX its called reaging.
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03/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
Dear CFPB, I was contacted by Lending Club who I recently filed a complaint with you about regarding my identity theft. They failed to report back through you with a very threatening email. On XX/XX/2022 I received an email from XXXX XXXX XXXX giving me a deadline to respond to within 15 days when in fact they should be communicating to you at the CFPB. This is an example of their unethical business practices and how they chose to ignore what I've been communicating for years.
I responded back to XXXX XXXX asking him to only communicate to you at the CFPB. This account was a part of my identity theft and they are continually choosing to destroy my creditworthiness with an account they no longer own. I keep asking that they please follow FCRA reporting act with regards to furnishing information that is untrue.
When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
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02/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Older American, Servicemember |
In good faith, my husband and I entered into a loan agreement with LendingClub to make necessary repairs to our home. Unfortunately, he was unemployed shortly thereafter for approximately 1-1/2 months and his salary was reduced by {$70000.00}. We have continued to make monthly payments of {$710.00} at 20.30 %. On XX/XX/2019, we tried to renegotiate the loan with XXXX and XXXX of LendingClub to more favorable terms of {$510.00}, 15.17 %, 60 months. It was denied. On XX/XX/2019, we spoke with XXXX of LendingClub at XXXX to discuss renegotiation and erer again denied. Also during this time ( XX/XX/2019 ), LendingClub tried to put us into collection with XXXX XXXX XXXX XXXX, XXXX for missing one ( 1 ) payment which we did not. Even XXXX agreed that LendingClub 's action was ridiculous. The continuing payment of {$710.00} is now a hardship and we want to settle the remaining balance of {$21000.00} with a cash amount both parties agree on to dismiss this debt with no adverse credit rating. In closing, LendingClub has been making harassing phone calls to both of us on a daily basis.
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08/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
Lending Club is reporting contradicting information on my credit report. The FCRA says that I have the right to having my information report correctly to my credit reports. They clearly are not reporting things correctly. On my XXXX report they are reporting that I was 30 days late one time, in XX/XX/XXXX, and after this I have a perfect payment history until XX/XX/XXXX. On my XXXX report they are showing that I was 30 days past due in XX/XX/XXXX and XX/XX/XXXX. On XXXX they are also reporting I was 60 days past due in XX/XX/XXXX and 90 days past due in XX/XX/XXXX. They also supplied negative marks in XX/XX/XXXX and XX/XX/XXXX. They do not even report a payment history to XXXX. I am attaching screen shots of the Lending Club entries on my XXXX, XXXX, and XXXX, along with the entire credit reports. Lending Club has shown an inability to accurately report information to my credit report, and because of this it is well within my rights to demand that the entire Lending Club section on all 3 of my credit reports should be deleted immediately. They are in violation of the FCRA.
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12/15/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
I paid off the loan, but they were very rude, and they charged me three extra days. I wanted to pay off my loan on Friday XX/XX/2018. And I offered to use my debit/credit bank card, and they refused. I even asked to speak with the supervisor, and he refused. He charged me Saturday, Sunday, and Monday because Banks do not process checks on those days. Other loan companies, gave me my pay off amount for that same day, and they would advise me " the amount would be taken out of your account in two to three days ''. But this Lending Club refused to do that. He said payments have to be confirmed with the bank, I told the supervisor. I am paying off the loan, it is not a payment. The other workers were laughing because I know they also refused to give me the amount for the same day. {$30.00} or {$40.00} dollars it's a difference. But I offered to pay with my debit card, with my name on it coming from the same checking account number they had/have in file. Very unprofessional people, they were unwilling to work and first they said Tuesday XX/XX/18 then they changed it to XX/XX/18.
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08/30/2019 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
The company offered us a loan and the payment practices were not made clear. The issues : If you do not opt for automatic payments, and decide to pay by check, they charge a {$7.00} check processing fee which is deducted from your payment. Checks issued can take up to a week to process when received. This will add up in interest charges. 2. They will ONLY accept the monthly payment ON the due date, otherwise, they process it as principal payment and you are still required to make the regular scheduled payment. 3. Calling in a payment on the due date, is not same day processing, it will process on the following business day. Calling 2 days ( Thursday ) before your due date when falls on a Saturday, will not process until the following business day.. more interest. 4. The information provided in the loan documents and the web site, is not clear with their payment practices. In a nutshell, they dont allow monthly payments to be made early, dont allow multiple payments which add up to the monthly payment. Their current payment practices costs the loan recipient more interest.
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11/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
Lending Club Bank formerly XXXX XXXX Account was frozen unknown time frame of when my checking account was first frozen. I attempted to log in but the system would not allow me to as shown in screen shots. I also tried a password reset but that did not work either. I also tried to use my debit card but that also doesnt work.
Spoke to XXXX on XXXX did not have an answer for me said someone will get back to you in a few days I did not like that answer so she said she would talk to a manager to un freeze my account the same days. She advised me that she would get back to me within a few minutes that never happened.
I called again on XXXX and spoke to a XXXX and all she did was put in a ticket to some mysterious review department and said the same thing that XXXX said, that someone would get back to me in a few days via email.
I am not sure what operation they are running here but a normal bank would allow me to speak to someone and advise me of whats going on I am not sure what type of review I am under as they can not explain to me why my account is on hold.
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01/21/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, with address XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX and phone number XXXX XXXX XXXX contacted me via a phone call concerning the collection of a personal loan from me, they made me to believe that they were acting in proxy of the original loan company, not knowing that this was false, I made a payment of {$300.00} to them on that day as shown below from my XXXX account of XX/XX/XXXX : XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX IL Card XXXX XXXX XXXX We also agreed that they will making automatic monthly deduction of {$300.00} from my account, they did not make further deduction from my account, i contacted on 2 occasions via phone call, the last was on the XX/XX/XXXX, they never responded to me anymore. I am being sued now by another company that actually the true owners of the loan. XXXX XXXX XXXX XXXX XXXX committed a fraud by extorting money from me in false pretense, I would have found and be paying off my loan and not getting sued if XXXX XXXX XXXX XXXX XXXX had not confused and extorted money from me.
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01/14/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
I applied for the loan to pay off a higher interest loan. I have all the calls recorded. The original loan was with XXXX XXXX. XXXX XXXX said they would honor the date of the check. Lending Club failed to send a paper check. It took an additional 12 days for them to figure out the funds were denied. They then sent the loans directly to my account to pay off XXXX XXXX. In those 12 days I accrued {$240.00} in interest. I have called several times. I have been told someone would call me back. I have been told a manager will call me back. Lending Club said they would not provide proof of payment and they would not refund me the XXXX. XXXX XXXX from the customer advocacy department called me once. She left a voicemail. I have called her 4 to 5 times now leaving voicemails every time I have called. They have since sent me a {$50.00} credit. Which I have not cashed. I was told today once again someone would call me back. I was also told that nobody was available. I told them I would rather wait. The representative told me he would be ending the call.
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05/27/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
I am an investor with Lending Club and have been for 7 years. I want to withdraw the bulk of my investment ( {$3000.00} ) and transfer it into my checking account which is the original account that funded my investment however when I tried to do so on XX/XX/2021 I received an error message. Since that date I have called and sent Lending Club emails at least eight times and each time I get emails back saying my bank account is now attached. When I called to say it wasnt I was told I had to do it manually because 7 years was too long to keep my bank account active. Now every time I call and while on hold I get an email saying my bank account is attached but I still am getting the error message. Yesterday I left a voice message which hasnt been returned and sent an email stating that I was getting ready to file a complaint with the FTC but that also wasnt returned. I am beyond frustrated and do not know what to do. Can you help?
I have emails that state when I started this process and several that state my bank account is attached but its not.
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08/05/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
I originally started off with a request for a pay off. The lady on the phone was no help and said anything I needed was on the portal. I created an account and and search for the payoff I found my payment history. The payments I made are correct. In addition to the regular monthly payments due, I was making additional payments. These extra payments and anything additional made monthly on the regular scheduled payment due were to be applied towards principle. My discovery was thr additional payments that were made throughout each month were not fully apply towards the principal. Meaning they were taking money out for interest as well from the additional payments that were being made. I have taken several screenshots from month-to-month and also put it through my amortization calculator. I have tried rectifying the situation and getting answers but have been given the runaround with generic answers. I would like this matter resolved. In addition I would like a full pay off so I know the total amount due and I can pay them and be done with them.
|
11/27/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
I have been trying to change payment dates with Lending club for several months. I took out a personal loan in XX/XX/XXXX. I made on time direct deposit payments. I started a new job in a new state in XX/XX/XXXX and that move threw off both my pay dates and I winded up changing my bank account out of necessity which caused my direct payments to be off. I have called and sent a letter by certified mail ( XX/XX/XXXX ) to address this issue. They have refused to compromise in any way while reporting 30 days late SIX times since XX/XX/XXXX.
Late payments XX/XX/XXXX 30 days late XX/XX/XXXX 60 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late I have made payments each month trying to get back on track but I ca n't unless they make a payment arrangement to change the payment date. Now I am unable to get a new loan from someone else to erase the 30+ % interest rate that I didnt know that I had and start over and I cant start over with Lending Club . I dont know what else to do. Please help.
|
03/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
I have an account with lending club and I had always made a payment on a timely manner. Unfortunately, around XX/XX/2019, I tried for them to lower my monthly payment to $ XXXX monthly instead of {$640.00}, however they refused. So I had a past due balance and when I finally started making payment again in the full amount of {$640.00}, they still not reporting it to the credit bureaus as they have promised me that, if I start making payment, it will help me. Due to their failure of accuracy report, I am currently having a bad credit report which leads to three of my major credit cards decreasing my limits from {$8000.00} to {$500.00}. I am catching hard times and they are refusing to lower my monthly payments. At this point, I dont know what to do, I am living on the edge, because I am a single mother of XXXX young children and my credit cards have been helping me a lots, due to failed business venture and lack of regular child support. Please help me because each time I called, someone different is telling me something different.
|
02/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
XXXX5 usc 1635 i have the right of rescission of any and all contracts, anything undisclosed within the contract violates the contract, without proper understanding and full disclosure and a meeting of the minds.
REMEDY REQUESTED : In short I am requesting that this account be deleted due to the fact that I rescinded my signature from any and all contracts with your company and 15 USC6802 gives me the right to opt out of any reporting.
Anything after the acceptance of this letter is going to be considered 15USC 160XXXX ( p ) unauthorized use and i will be charging {$300.00} a day for the use of my private intellectual property ( My NAME and SS # ).
If no remedy is provided then you accept the consideration i gave you to pay me {$300.00} a day and you stand in agreement that I will pursue action in small claims court for remaining balance.
Time is of the essence : you have 30 days to remove and or pay damages for defamation, malicious negligence and these are going to be considered your agreement to pay me liquidated damages.
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05/01/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
Several years ago, there was a big intiative for lending club to incentivize people to bring over ira money and invest it in the peer to peer loans on the lendingclub platform. I agreed to roll about $ 20k from my XXXX ira into this account and invested it in notes. As the notes started to underperform and started to change the return from around 9 % to down to 2 %, I tried to take some money out of the platform. It was at this point that I was told it would cost {$25.00} to take any amount of money out of the account since wire transfer was the only way this could actually occur. Additionally, there's a {$200.00} charge to close the account.
I've never heard of a fee to be able to close an ira account. Especially with this type of investment it's a problem because the money comes in over a XXXX year period in small increments. The money would have to come in there and sit for years before being able to move it into another investment.
This was not sufficiently communicated to me prior to my agreement to roll it over.
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07/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
To whom it may concern, On XX/XX/XXXX my business and personal accounts were locked. I was sent an email from XXXX XXXX which I immediately responded to with my passport and record of funds deposited.
Today is XX/XX/XXXX. I have contacted the bank every business day asking to have my accounts open or if there was any information I needed to supply. On XX/XX/2021 I was called by XXXX XXXX - Incident : XXXX XXXX - he told me the checks I scan look digital, I said I take a photo of them for my records and take a photo from my phone using the XXXX XXXX XXXX. He stated he understood the accounts would be reopened, date XX/XX/2021.
I believe there has been a case of neglect my account has been closed for 28 days.
I used the bank as my primary business & personal accounts. I use the business account to scan checks from clients which total about 10 checks per month.
There was a question regarding how I scan my mail which I have scanned to me by a trusted person looking after my house while I am away on business.
|
03/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
On XX/XX/2021, XXXX XXXX XXXX, which held my monies in escrow prior to my closing on a home, wired the payoff amount to the Lending Club to pay my loan in full. At the time, the payoff amount was {$30000.00}. However, to this date, the account is still showing a balance of {$29000.00} and my bank account continues to be debited for the amount of the loan payment each month, which is {$720.00}. I have provided the wire confirmation information to the Lending Club and they have not rectified the situation as of yet. Instead, every time that I call the Lending Club, I am placed on hold and told that the back office has to investigate or told that a service request has been entered on my behalf. I have yet to hear from the back office and {$720.00} continues to be debited from my account on a monthly basis since XXXX, 2021. I have attached proof of the wire transfer below. Please assist me with getting this situation rectified and the monies that are in excess of the payoff amount, refunded to me in full. Thank you!
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07/15/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
Company : LendingClub XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX Account : XXXX Issue : Unable to withdraw funds from account. Attempts to withdraw funds out of the platform have failed without any notice. Company 's site states that money must be withdrawn to the same account it was deposited with to comply with anti-money laundering regulations. Having used this account/service over a period of many years, it is reasonable that occasionally accounts must be opened/closed/changed. Regardless, I have tried to open support cases with the company to validate the external account for withdrawal is in fact my account, but attempts to get this resolved through their support have been unsuccessful. Support case was opened on XX/XX/2021. It was not even replied to until until I again followed up on XX/XX/2021, of which I immediately responded and uploaded the requested document to validate my account. I followed up again on XX/XX/XXXX, and XX/XX/XXXX, with no response from LendingClub in either case.
|
05/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
The Lending Club NA has been reporting a Negative Record on my FICO report through XXXX XXXX, XXXX and XXXX for a Charged Off amount of {$10000.00}. It was most recently updated by them in XX/XX/2021. This is hurting me tremendously by way of this negative record lowering my credit score, while I am trying to refinance my home.
I have made attempts to contact them at XXXX XXXX XXXX XXXX. In my effort to gather details about this, agents at this phone number are stating that they do not have a record of this account because it has been sold to a company called XXXX. They provided a phone number of XXXX to gather details. When i called this company, they informed me that this account is NOT KNOWN to them.
This is extremely frustrating. An account of this size reporting as a NEGATIVE to all three credit bureaus, is causing me great harm and needs to be DELETED FROM MY CREDIT REPORT AS QUICKLY AS POSSIBLE.
These debt sellers and debt purchasers should not be allowed to abuse consumers in this way.
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10/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Greetings, I would like to file a complaint against Lending Club. I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/. In response, the account showed verified.
As a result, I disputed this account with the creditor. On XX/XX/, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/. In response again, I received the same itemized printout.
As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.
|
06/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
In XXXX, I went to my bank to close my checking account and there was a substantial amount in the account. After the bank research the transaction, the bank indicated the {$9400.00} ACH deposit made on XX/XX/XXXX came from Lending Club. I contacted Lending Club on XX/XX/XXXX and said I did not apply for this loan and to provide me with documentation with my signature indicating that I authorized this loan. I will return the principle amount less the payment taking from my checking account in the amount of {$360.00}, which I did not authorized. I asked where they obtained my personal information. The gentleman who assist me refer me to the fraud department. I received a letter denying my claim and no supporting documents indicating I applied for this loan. Called Lending Club again and no loan documents where produced. I asked if a can repay the principal loan amount with no fees or interest. I want to rectify this situation immediately, its damaging my credit. Please help to resolve this matter.
|
07/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
Hello, Around XXXX of 2020, I spoke with a representative regarding options for payment relief for Lending Club. She told me about a Deferment plan that I can do. I proceed to ask her questions and she did tell me that I would accrued more interest and instead of me paying in 36 months I would extending to 38 months. She also said when I start back making payments that some will go on the principal and some will go on the interests. So I agreed to do the two month deferment, I did not make a payment in XXXX, however, I made a large sum of payment in XXXX and XXXX they start taking out my regular payment. I checked my account on XX/XX/XXXX and I was extremely shock that my XXXX payment went all on the interest and none on the principal. I was deceived, if I would of known that my XXXX and possibly my XXXX payments would go all on interests I would NOT agreed to the deferment plan. This is unfair business practices and withholding information as vital as this one is not best business practice.
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09/09/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
This is a complaint against LendingClub, about an account that was opened without my authorization. I have disputed this account with the credit report, sending the evidence of the identity theft, including the police report and affidavit. When I tried to remove the account through the bureaus I was unable to, I am sending the complaint through the CFPB with all the evidence through fax and email that can be able to be provided. So this account can be removed because it was never authorized and it is fraud. Of course the information matches up. Someone clearly used my information without my authorization. I have provided more than sufficient evidence to get these false accounts removed. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
|
07/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
I am an XXXX XXXX XXXX XXXX Member, and I believe I entered into a contract with Lending Club under false pretenses. Lending Club either should not have lent to me, or I should have been offered the 12 % interest cap, XXXX the Virginia Usury Law 6.2-303. My account was opened in XX/XX/2015, I resided in the state of Virginia during the time the loan was opened. I am simply asking for my case to be reviewed for fair practice as it pertains to the interest and Virginia law, if an adjustment can be made it would be much appreciated. The only reason I found out this information is due to the Virginia Attorney General auditing another account I had with a different loan company, and informing me that my interest would be decreased as a result of the audit and the predatory lending practices of that company, hence the reason I am looking into my loan with Lending Club, in addition this astronomical payment is causing a hardship on my family, due to relocations and my husband 's loss of income.
|
04/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
Lending Club offered a payment plan last summer during my hardship. They specifically confirmed it would not negatively impact my credit. At the end of the three month program normal payments started back as normal. In XXXX when my credit score dropped significantly when reviewed I identified they had reported this account as 30 and 60 days late. I contacted them and they confirmed it was their error, it was definitely inaccurately reported, and they submitted the request to update. They asked for 30-60 days which would have ended XX/XX/2017. Now, after working to get two new loans I was told my score was much lower on two than I had known and those were the reporting agencies they used for loans which caused me to not only be charged more interest on two loans, but also be denied, and have higher inquiries due to the number of companies they had to go to for approval. I WORKED HARD to keep this from happening and this is absolutely costing not only more money but unfair to the consumer.
|
05/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I have been a victim of identity theft / fraud. Someone has used my name, my addresses, my Social Security number, my date of birth and my employers name to open accounts in my name. They have had access to my XXXX XXXX account as well I have discovered, and I think that this is partly how they accessed my information as well as through my Health Insurance coverage claims.
I have disputed and disputed these 3 accounts with both XXXX and the companies directly over and over and they still have not removed them from my XXXX credit report.
1. XXXX / XXXX XXXX 2. XXXX / XXXX 3. Lending Club Corp THESE ARE NOT MY ACCOUNTS I have been told by XXXX for both of those accounts to contact XXXX XXXX because they now own both of those accounts, I did so, and XXXX XXXX found me not responsible for these accounts and sent me letters stating this, which I have attached here. Yet, XXXX continues to report these to XXXX. I have sent all of this documentation to XXXX and to XXXX multiple times.
|
03/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
I refinanced my car loan with LendingClub. Previously I had a couple personal loans with them as well, they were fine, no problems. This loan 's not being properly reported to credit bureaus. They report it only to XXXX. Not XXXX XXXX, not XXXX have any information about this loan, which is hurting my credit score. I tried to contact Lending Club 's customer service by the phone and via mail. In the past 6 months I've made about 4-5 phone calls. The last one was about a month ago. Every time they say, that they'll look into it. I also mailed a letter about a couple months ago to the address on the back of the statement ( the one they say to use, if credit reporting is incorrect ). A couple weeks ago they sent me an email asking to write a review on their website, which I did. I gave them 2 stars out of 5 and explained the situation. Thought it might attract their attention. All they did is blocked my review and sent me another email, saying that the review did not meet they guidelines.
|
05/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
On XX/XX/2019 XXXX am I received a phone call from a XXXX number at my place of employment. The lady on the line said this was an attempt to collect a debt on behalf of XXXX XXXX Lending Club, but did not state what company she was calling from. I responded with, " okay, I can not speak on this line because this is my place of employment. '' She became very rude and hostile stating that if I didn't tell her why I haven't paid my debt and speak with her today that there would be a lawsuit filed against me. I advised her that I have never received a notice from her company or received a notice that my debt had been sold off to another company. I stated that I would not be paying anything without proper paperwork and documentation. I asked her if there was a number I could call her back at so that this conversation did not interrupt my work in which she did not want to give me because, " I don't think you're going to call back and settle this debt since you haven't paid it already. ''
|
06/19/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
I had a late payment reported by lending club during this coronavirus pandemic. As soon as I learned of this, I called to make payments to make my account current. I also re enrolled in autopay to avoid ever happening again. I have never been late prior. I had kindly written a goodwill adjustment letter and was denied the removal of the late payment. A remark was added to the report after my follow up phone call. A remark stating -affected by natural disaster.. If that remark can be added, why cant my late payment be removed. My credit score dropped 50 points. This all happened as soon as I was about to obtain a mortgage commitment for my home which I have been working on for the last year. I no longer qualify for my mortgage due to the late payment report. My new score is too low due to the 30 day late reporting. I have gotten a short extension to XXXX for the mortgage commitment. I am still trying to work with the lender about having the late removed and have been unsuccessful.
|
11/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
I was offered a loan by Lending Club. The loan was approved under account # XXXX with a payment of {$270.00}. The first payment was due on XX/XX/2020. Although the loan itself was a predatory, on the same month of XXXX, Lending Club offered me a XXXXmonth deferral disguised under a scam. I accepted the deferral. However, what I did not know and was not advised of was that my next payment would only go to interests. The deferral ended on XXXX and on XX/XX/2020, Lending Club withdraws the regular payment from my bank account. Of that {$270.00}, they applied {$260.00} to interests and only added XXXX$14.00} to the loan principal. It was until I try to pay the loan, I notice what had happened. I called Lending Club to bring to their attention that I was not aware nor advised that under the deferral, my next payment would almost only apply to interest, and requested the waiver of a portion of the interest amount deducted from my payment. They refused to do so.
Thank you XXXX XXXX
|
07/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
I already filed one complaint on this matter and the CFPB is allowing the creditor to continue to abuse me in their calling tactics. In present day and age, any number that calls from a restrictive line and states from the creditor and must provide personal identifying information is not a good sign. No creditor should ever be allowed to secretly call its customers on the phone only to tell them that they want to discuss account but can not discuss the account information unless customer provides personal identifying information. Not a good practice. Furthermore, the creditor limits the ability to pay on loan. If a certain account is not established, you can not make a payment. The customer must either do a one time special payment or establish auto-debit. Until the customer performs extra steps or calls, the creditor tracks as past due and attempts threaten and scare tactics. This firm is now engaging in bad practices and the CFPB and other regulatory bodies are allowing it.
|
08/04/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
Complaint/Consumer Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Business Information LendingClub Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Advertising Issues Problem description : In XX/XX/XXXX of this year Lending Club sent me a letter which contained fake checks for {$5000.00}, {$10000.00} and {$20000.00} in my name. The letter told me that I was Pre-Approved for any of those amounts. I ignored them. Then in XX/XX/XXXX my air conditioner failed and was quoted a new one for {$9600.00}. I called Lending Club about their offer and asked them if it was still valid. They said it was then I asked for a loan of {$10000.00}. I was told that I really only qualified for {$2000.00} at an interest rate of about 26 %. They told me that Pre-Approved does not mean Pre-Approved. What it really means is that I can apply for a loan to see how much I actually qualify for.
|
11/14/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American |
I received an email from the Lending Club on XXXX XXXX, XXXX that my loan application was being denied due to inadequate income. The problem is I did not apply for a loan. This was a total surprise. I called this company on XXXX XXXX, XXXX and XXXX, XXXX. I currently have a loan opened in XXXX XXXX. I requested a copy of the loan application which they were unable to produce. The big 3 credit bureaus were contacted and have security freezes and fraud alerts on my accounts. The fraud unit of Lending Club sent a report I can fill out for law enforcement. The claim is I checked the loan rates on XXXX XXXX, XXXX which I did not. I live alone with my puppy. No one else has access to my computer. Since no proof could be furnished of loan rates being checked, other consumers should be aware of questionable practices of Lending Club. From what I have read online, this situation has happened to many people. If I had known how this company operates, I would not taken a loan from them.
|
11/09/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
this is as far as what happened XXXX XXXX XXXX at XXXX Utah, I am totally disappointed as this institution has the way to convince take advantage of the money of the parents, my daughter XXXX who attended to this XXXX XXXX from XXXX XXXX to XXXX XXXX I have not seen any change progress in their totally deficient in math and reading, my daughter grades with a totally low grade. The only thing that my daughter was taught was divisions that is it.
They do not have trained teachers or a better teaching method for the student.
Now they according to their record that my daughter took 73 hrs those 73 hrs is nothing based on what? they fix the hrs on their computer on their convinience, my daughter did not learn anything, I flatly refuse to pay XXXX dollars as the manager told me that I would have to pay that is not fair, I am a single mother I do not have financial resources to pay.
I feel that they are stilling my money in combination with this XXXX XXXX XXXX phone number XXXX
|
10/23/2019 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Older American, Servicemember |
We had some expected medical expenses which caused me to miss a payment in XXXX. I sent them an email letting them know I would make the payment XX/XX/19 ... in the last week from XX/XX/19 to XX/XX/19 they have called my cell phone over 20 times and I have talked directly to someone 3 times in the last 24 hours. The last young lady I spoke with I asked her why they were still calling me when I had already spoken to twice to them in the last 24 hours ... she told me that their Auto Dialer will continue to call me until the payment is posted and there was nothing they could do. I believe that is in violation of the FCC and CFPB regarding robo calls and the NPRM regarding debt collections. I have repeatedly explained that there was no way for me to make up the missed payment, and based on my previous good payment history I asked that the loan be re-written/re-financed or allow me to skip a payment. They stated that there was no way to do that and had no alternative to offer.
|
04/08/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
I have a loan with The lending Club in XXXX XXXX, CA. My loan has a grace period until the tenth of each month. I will often call like I did today and make my payment. Today is the XXXX, Friday. They then tell me that my payment, even though I am calling it in on a friday in the morning, wo n't post until Monday the XXXX. And that my payment will be considered " late '' internally. This is fraud. You can not take a person 's payment in good faith, two days before the grace period ends, and then because YOUR company takes a few days to process the payment, mark their account as late. This is illegal. They can take my payment, mark my account as paid, and within the legal grace period and if it takes them two days to process then that 's on them. Not on the consumer. I am making my payments on time. I have each and every month. And my account has been marked late " internally '' several times due to this issue. I would appreciate this being corrected within their company.
|
04/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
Ok i have been trying to clear up some inaccurate late payments with The Lending Club since XX/XX/XXXX and for some reason they will not acknowledge or fix the error art all. There are 2 accounts reporting 30 day and 60 day Late payments in XXXX. Now these accounts are on auto pay and i have never ever missed a payment with the Lending Club. The account they come out of has never overdrawn or anything, so the payments should have been paid out as scheduled. I spoke with Lending Club on the phone about this and told them the error was on their side not mine. Even with this they refuse to take responsibility and are reporting these late payments on my credit profile which is seriously hurting my credit score nd making me look unreliable to any financial institutions causing me to get denied for loans both personal and for my business. If these payments were actually mossed I was never notified properly 21 days before the due date to even clear up the billing error.
|
09/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I had asked for reduced payments with LendinfClub so I did not miss any payments since I had lost my job in XXXX 2020. LendingClub granted the XXXX plan and I was allowed to make interest only payments for 3 months. I had a written agreement from LendingClub. I paid as agreed within the grace period, but collection calls began immediately. I was told that I was only making partial payments. I was reported as 30 days past due several times to the credit bureaus despite me explaining to each collection agent that I was on a hardship plan. I had to explain it to each caller several times a month during the period of the XXXX plan. My credit score dropped and I was denied a lease and mortgage due to LendingClub falsely reporting that I was delinquent. Despite disputes with the credit bureaus, calls to managers and a finally a XXXX complaint, no one is helping me. I am being harmed by LendingClub still reporting those XXXX payments as delinquent. I need help!!!
|
03/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
Refinanced all credit cards and the loan from Lending Club. I have called them 7 times and I was told a XXXX would get back to me. I have also sent numerous e-mails, with no resolution. Its is my understanding they have had the check over a week. It had the appropriate account number but did not reflect my name. The check came from XXXX for {$19000.00}. The exact amount left on my account.
They asked for a copy of the cancelled check. They claim they could not post to my account, until this was received. I sent the Tiltotal letter along with the check number. XXXX advised me this should be more than enough to have the amount credited to my account.
I am approaching my next payment date. I truly feel they are dragging this out. Just want the check applied to my account and to be done with this crazy situation. Each time I asked for a XXXX possible 3-4 times I was told that none were available.
No responding e-mails and -0- phone calls, returned to me.
|
03/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
I have six payments left with LC. My payment was due on XXXX and I am late paying it. I went on their website to see payment options and look at total balance. When I clicked on make a payment, their system automatically set up a payment for today 's date and said it will take it out of an account that I set up when originally set up loan. There was no option to cancel the payment. I received an email thanking me setting up payment when I never set up a payment. I simply clicked on make a payment thinking that I'd have an option to set up a date but it automatically set it up for the day you click on make a pyament. That is wrong! I will mail the payment and don't wish to do any further business with this company. THey are unscrupulous and shady. If you fall late they do shady things to get you to pay like what I have described above. I so look forward to being done paying them off -- -six payments to go but this is wrong. So I file my complaint. Thank you.
|
01/02/2020 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
I inquired about a loan from Lending Club. They considered my inquiry as an agreement to take a loan. When I tried to cancel they refused to help me and made me get all the money back from my creditors which I promptly did.
Lending Club claims they tried to pull the money from my account but they used the wrong account even though it was in the savings account they required me to have it in.
Now they are saying I'm responsible for the full loan even though I complied to all their requests in a 20 day period. I have spent over 8 hours of hold time and phone calls with them trying to correct the situation and now they are trying to charge me an additional {$1500.00} above the loan amount even after they pulled the money back from my account. I'm already in debt and now {$1500.00} more in debt after paying them back for a loan I did not want.
They are impossible to work with and get any acceptable results. This is the worst company I have ever dealt with
|
02/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American, Servicemember |
On about or about XX/XX/2019 I applied for a new loan with Lending Club, they denied my loan but sent me to XXXX XXXX they might help! I applied and was subsequently denied by XXXX XXXX.Since then everyday i was getting letters from XXXX XXXX saying my loan was denied and that i could request specific reasons Up until today i disregarded these multiple emails Today I received another email saying my loan application was denied TODAY I made no such application .Once i realized what they were saying I called XXXX XXXX i was treated rudely They refused to let me speak with a supervisor.They said the application was made in my name with my real social security number.and then they hung up I contacted Lending Club they said there was nothing they could do .If they realized my personal information or did not protect it that must be rectified.Lending club said they are investigating it.Lending club should be held accountable for partnering with a scam lender
|
02/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
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This is the second complaint against Kending Club concerning my loan with them, the deceptive tactics and misleading information, and the fact I spoke with their consumer advocacy associate and asked her specifically to tell me what I was due on my account XX/XX/XXXX because I was in the midst of closing on a home equity line of credit to pay them off. She then tells me she would get back with me. Three days later she then gets back with me. I had the money to get the account current and it is my belief that after speaking with her and reaching out to XXXX XXXX by email over 8 times, my situation with my area being declared a natural disaster or the fact that Im trying to pay them off through my home equity line of credit, means absolutely nothing to them. Worst customer experience of any business I have ever dealt with. Its because of there miscommunication, Im in the position where I can not close on my home equity line of credit to pay them off.
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02/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This account is with the Lending Club. I paid on it for three years no problems no lates, excellent history account was paid in full in XX/XX/2021 and they recently updated my credit report to show account is closed versus paid on full which has a negative impact to the credit score my score in fact went down versus app because the account is showing closed when it was in fact a healthy paid in full account and Im not getting the credit that I deserve in the reporting of such a great history!! I dont think that its fair that a company can show an account as closed when it has in fact been paid in fulland on time because that has a negative algorithm when the calculations of credit scores gets re-generated by the credit bureaus. I think that CFPB needs to step in and make sure that these companies are reporting the account status as paid in full and not closed because it is an installment account not revolving which impacts your score differently!!
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03/14/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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I recently lost my job due to the company 's layoff. As a result my last paycheck was mailed to me and not direct deposited. I contacted LendingClub on XX/XX/2019 to advise them of my job loss but that I could make the next payment. They advised there would be a 15 day grace period following the XX/XX/2019 due date. I contacted them again on XX/XX/2019 to request that they cancel the autopayment as the paycheck deposit had not cleared my back. They advised me they were moving the payment date to XX/XX/2019. The deposit cleared on XX/XX/2019 in my bank account. I logged into my LendingClub account to make a payment and found that they have blocked online payments. So I looked up in their help documentation where to send a check and sent them a check directly from my bank service. I then contacted them via email to advise that the check was on the way. They responding saying they will apply late fees, extra interest, and fees for processing a check.
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03/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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There is a collection account that's been reported on my most recent credit report that I have recently disputed the validity of. Upon challenging this, XXXX MUST permanently delete the account on the basis that the bureau was unable to effectively confirm all the reported information is accurate. Due to the fact that I challenged this account with the credit bureaus, I noticed that you have now verified this same account. It has been more than 30 days that the bureaus have not RESOLVE or RESPONDED to my letter sent on the XX/XX/XXXX of 2022 I was led to believe that all credit bureaus receive the same information from the creditor under the Fair Credit Reporting Act ( FCRA ) ; if that is the case, I would like the creditors and the credit bureaus to provide copies of all the documentation you used to verify this account. In the event that such documentation is not produced, please DELETE this account from my credit report as soon as possible.
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06/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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XXXX # XXXX I took out a loan with Lending Club and as of XX/XX/2021 the payments were supposed to be sent to the creditors I chose to pay off with this loan. They stated to give it 4-7 business days for the payment to reach. This would have been XXXX/XXXX/21. I have since called them every day and sometimes twice a day to find out where they payment was. As of XXXX/XXXX/21, the 1 creditor which had not received the payoff sent notice to the credit bureau and marked my count as delinquent. Because of this, my credit score dropped a total of XXXX pts. I am under contract and trying to purchase my first home. This credit score drop could really hurt this and it's not my fault. I really need someone's help asap. This has now been going on for 6 weeks. And, I keep having to pay my previous loan. Also, payment is due to Lending Club, but I don't feel I should have to pay for something I have yet to receive the benefits of! When is enough enough?
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12/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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In response to Lending Club 's investigation, why did Lending Club take my money if they had sold the balance to XXXX? LendingClub states that they sold the balance to XXXX on XX/XX/XXXX. Please see their response attached ( Paragraph 5 ) referencing account ending in XXXX.
I sent two different checks to LendIng Club to pay account XXXX. One check was for {$180.00} which was cashed by Lending Club on XX/XX/XXXX. The second check was for {$500.00} and it was cashed by lending club on XX/XX/XXXX. Please see the attached documents as proof.
LendingClub cashed my checks that referenced account XXXX, but the account was sold to XXXX a few months prior on XX/XX/XXXX. Is this legal that LendingClub cashed my checks and took my money even though they sold the debt to a 3rd party collection agency??? This is iilegal and I request XXXX to delete their negative reporting on my credit as a sign of making things right. You cashed and took my money.
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03/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This company violated the law Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of the credit card or similar credit device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit Notice, Congress said ANY card. The credit card is used is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under Title 15 Chapter 41
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04/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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There is a clear billing error here. This account was on auto draft since I first opened it with the same bank account. Somehow their system made an error and they refuse to correct the billing error. The 2 loans that I had out with them somehow went 30, 60 and 90 days In XXXX, XXXX and XXXX of 2020. Theres 2 big issues I have with this. 1 I was never ever contacted by them for any late payments nor was I given an option to rectify the late payments before they through it on my credit report. Where was the grace period notice in this billing error? That is a clear violation because the error was completely on their end and not mine. Two how were they able to report these false late payments in the middle of Covid-19? Does the cares act not take into effect here at all? These payments should not be reporting late on my account due to billing errors but The Lending club refuses to remove these payments further violating my consumer rights.
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08/23/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I took out a loan in XX/XX/XXXX, my payments are {$810.00}. and some change. I have made payments since. I had a deferred payment for two Months XXXX and XXXX of this year the payments resume for the Month of XX/XX/XXXX. I Made a {$490.00} payment in XXXX towards my Principal. XXXX I paid {$810.00} for the regular monthly payment. XXXX, I made a regular monthly payment. They took the two regular Monthly payments of {$810.00} and put it towards the interest and said because I paid early that's what they are suppose to do. I make my payments earl to all my Bill 's because I like to get them out of the way to budget my money. They are reporting XXXX. On there website when it should be less than that and they are reporting messy up my XXXX score reporting XXXX. If I took out a XXXX dollar loan in XX/XX/XXXX and been making payments faithfully and its showing that amount that means I have never made a payment on this loan which is crazy!.
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08/23/2018 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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LENDING CLUB CORPORATION is reporting a fraudulent account I do not owe. also In the state of Georgia Collection of Debt on Account 4 yrs. 9-3-25 According to the FCRA the Time limit begins 180 day after the first delinquent payment FCRA ( c ) Running of reporting period. 6 ) ( 2 ) ( 1 ) In general in paragraphs ( 4 ) and ( of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. ( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the.
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05/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I called several times after paying off the loan that I had with Lending Club. I was on a COVID deferment with them and at the end of the deferment they offered to accept reduced payments that I made on time.
Initially they reported me 30 days late in XXXX and 60 days late in XXXX.
They received the payoff before the XXXX would become 30 days late so they said that I did not have to pay in XXXX. They have since removed the XXXX 60 day late payment and I have proof of the XXXX payment coming out of my bank account.
Each time that I called they could not find any late payments on my account. There is no reason for me to pay late. I haven't had any late payments on my credit report with the exception of them due to bad recordkeeping.
I have uploaded my bank statement showing their payment coming out and the credit report. I have previously checked and they are reporting this to all 3 of the credit bureaus as late in XX/XX/2020.
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10/01/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with additional add-on products or services
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Web |
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On XX/XX/2020 I logged into my Lending Club account and was greeted with a notice that Lending Club has changed their Bank Link Services Agreement. The notice wanted me to click " Accept. '' The change in policy now allows Lending Club to use MY bank account to " determine [ my ] eligibility for personalized offers. '' Since I don't want a giant, publicly-traded company to use my bank account information for marketing or other nefarious activities, I don't agree with the agreement changes.
On XX/XX/XXXX, I called Lending Club 's customer service line and requested that my bank account be removed from the Lending Club account because I don't agree with the new agreement. I was told that I am REQUIRED to have a bank account linked to my Lending Club account. The only available option would be to remove autopay, but the bank account would still be linked.
I would like my bank account to be unlinked from Lending Club.
Thank you!
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04/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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On or about XX/XX/2020 my husband and I applied for a personal loan with Lending Club, and we were approved. The next day, we decided we didn't want the Lending Club loan because we got a much better rate with a different company. I notified Lending Club on the phone and via email that I didn't want the loan and to cancel it. Well, they went ahead and deposited the loan proceeds into my checking account anyway, and then they withdrew the proceeds on or about XX/XX/2020. Lending Club confirmed via email that they were cancelling the loan and that it would take a " few days. '' In the meantime, Lending Club proceeded to harass me with phone calls and letters regarding making a payment on this loan, and they reported the loan account to the credit bureaus for my husband and me, even though we had cancelled the loan. I have made multiple phone calls to the company but they are not fixing this problem, and it just gets worse each day.
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02/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I reached out to the company by email but have not reviewed any response ...
I have a personal loan with the lending club, when covid happened I lost my job they worked with me but increased the amount that that i owe by about {$3000.00} attaching on extravagant interest, I still continue to pay.. I contacted them and asked them if I could defer a payment they stated yes, but it would cost {$900.00} to do so on only ( one {$380.00} payment ) so I said no I can not afford anymore internet, I will attempt to pay and they stated on a recorded line as long as i pay my regular monthly payment each month even if it is 30 days behind they would not be reporting late to credit bureaus due to job loss and covid ... however yesterday, XX/XX/2021 they reported to each bureau that i am 30 days late to all my credit bureaus even though I am paying as I said I would ... they lied! Destroying the credit I had worked so hard to build back up!
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10/18/2020 |
No |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
I already have made a complaint, on XX/XX/XXXX, against two different Ceditors, Lending Club ( Original ) and XXXX XXXX XXXX ( Current Creditor ).
The Complaint number, # XXXX.
You have requested a Feedback on XX/XX/XXXX.
Feedback was due on XX/XX/XXXX.
I am sorry and appologize for being unable to make any feed back.
I have another Threaten made by a Debt collector, " XXXX XXXX XXXX ", who made telephone calls, from # XXXX XXXX, on XX/XX/XXXX and XX/XX/XXXX. I contacted them and explined the Fraudulant account history and my Financial Hardship.
Tehn, I received another letter from the same debt collector, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX., XXXX. OH XXXX. XXXX XXXX.
I aleady have submitted the necessary information and documents, against this Faudulant transactions. I do hereby dispute this Credit Balance of {$5000.00}.
The original creditor has misused my monthly payments made in XX/XX/XXXX and XX/XX/XXXX.
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02/24/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
Servicemember |
Lending Club locked me out of my account since I cancelled the loan. They gave me until XX/XX/2020 to pay back the loan, and then they locked me out of my account. I'm facing fees from my creditors to give them their money back. I cancelled the loan because they misrepresented the terms. And I cancelled before any of my creditors were paid. They approved a loan for {$20000.00} at 16 % APR on a 3 year loan. What I got was {$19000.00} at over 22 % APR. My account even said " {$20000.00} at 16 % APR. It was a total lie, " no hidden fees '' that was a total lie. I already filed a complaint about this and since then, I've been locked out of my account. They emailed me a notice that I had to pay back the {$19000.00} by XX/XX/2020. Then they emailed me a notice that they were going to take automatic payments out starting XX/XX/2020 for {$660.00}. When I call, they leave me on hold. Doing business with these XXXX was a big mistake.
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06/08/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Problem with the payoff process at the end of the loan
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Web |
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I apply for a loan online and for the amount of {$1700.00} ; but i called them back and i told them i did not need the loan any more ; and then i told them to please delete my information specially my social security but they said they had to leave my information on fil e for 7yrs. I tol d them i was not happy and i ask them over and over to delete my information and they declined to do so claiming it was a policy. Nevertheless at the time of my application i did not see that policy any were, regardless now they are stating that the federal and state laws require them to keep account information. I did not proceed with the loan process therefor I should not have an account. All I did was just apply and cancel before the process was finalized. In fact I did not even send the documents required. I strongly disagree with there need to keep my information for 7 years. I need some assistance in getting this resolved.. Thank you!
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04/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I am XXXX XXXX submitting this complaint on my behalf there is no third party involved. On XX/XX/2022 My billing error dispute ( Exhibit Included ) was delivered to Lending Club This Company has refused to acknowledge receipt of the documents they are furnishing inaccurate and incomplete information on my consumer report which lacks accuracy and integrity pursuant XXXX XXXX XXXX. I have included in my Exhibits the proof of delivery along with my pre arbitration demand letter. This shall serve as my second and final notice of an error that I am disputing in my bill and demanding Lending Club make the appropriate changes necessary to properly reflect my account. The inaccurate information has caused me the inability to obtain credit for my personal, family and household use. Lending Club Is furnishing information without accuracy to XXXX, XXXX AND XXXX which lack a great deal of integrity which has caused substantial harm.
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03/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
Servicemember |
On XX/XX/XXXX, I was approved for a personal loan with Lending Club. I began making my monthly payments of {$730.00} on time from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I requested to defer my payments due to loss of hours and it was approved until XX/XX/XXXX. On XX/XX/XXXX I sent a new request to defer my personal loan due to decreased hours at work due to COVID 19. That request was denied. I called once again in XXXX to request a deferment due to loss of hours again related to COVID 19, and my spouse 's loss of income due to separation from the military. I was again denied. I continued to try to make any payments that I could- XXXX {$500.00} XXXX {$730.00} XXXX {$500.00} XXXX {$730.00} XXXX {$1000.00} XXXX {$800.00} XXXX {$1000.00} Prior to COVID-19, I have not had any issues paying the loan. As a result of my inability to pay, my credit report reflects 30-60day late payments, and has drastically decreased my score.
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06/25/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
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I had an account with Lending Club. I contacted their office and asked for a payment to be moved for a month. Moving the payment from XX/XX/2018 to the end of the term. I was planning to pay off the account in 30 days. I received a letter stating it had been sent to collections. I was very upset and contacted them immediately. I had never had a late payment. I did pay off the account in full XX/XX/2018. I asked that the 30 day late posting be removed from my credit to reflect " Paid in Full and Paid as Agreed ''. I thought this had been completed. I got a copy of my credit report yesterday and found that Lending Club had reported my account as 30 day late and paid in full. This wasn't handled properly on their end and they didn't follow the instructions we had agreed upon. I have not had a 30 day late on my credit. This is having a negative effect on my report. I ask that this mistake they made be removed. Thank you.
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07/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
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Web |
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Discussed with LendingClub about communication. I called and explained to them that my company is now banning cell or smartphone during the hours except for break time. From now on, we have to use email communication regarding of loan payment issues. They did give me email address for communication on any aspect of issues. they gave me is XXXX I did email to follow up and they replied me to make a phone call to them repeating. I response to them that I can not making a call because of my time working and schedule which is unlikely will make phone call except for break time. Every time I call them during break time and it almost never reach them, mostly are on recording and too longer to reach them. Rarely made it through but my break time ran out. my break time is limit to 15 minutes. I wanted to use that break time to contact my family, friends, etc. They understood it. I sent them 4th time so far an no success.
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12/17/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
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Web |
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I applied for a loan for XXXX with Lending Club before they approved the loan, I sent a email to them, since they were closed at the time to cancel my loan application due to loss of household income that happened the same day. Enclosed is the email that was sent and there response to the email. The next day I received a email to contact them. I explained the situation to them. XXXX the rep on the phone said they could cancel the loan. Then she put me on hold, when she returned she said they could not cancel the loan since it funded that day. I explained cancel the wire she said they could not. Then I said pull the wire back from my bank account she said they could not I was stuck with the loan. Then proceeded to tell me that if I have trouble paying the loan apply for a hardship. This is absolutely crazy. Please investigate. All is I want to do is to cancel the loan. As of today no funds have hit my bank.
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12/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
I had a loan with Lending Club. When I became a victim of identity theft I called them and told them to update my personal information and to remove my email from the account so that the person who stole my account would not be able to access the account any longer. They told me they could not and continued to send my account information to the stolen email account. I refused to pay and they sold the loan to another company. I paid that company off because they were able to secure my personal information. I called Lending Club to have them correct my information by sending them the " paid in full '' notification from the company they sold this debt to. They refused.
Lending Club sold this debt but still report it as a charge-off. I am being penalized twice despite having paid off the debt. They are an online company and are unable or unwilling to ensure that their customer 's information is secure.
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06/22/2020 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I have autodraft set up for my Lending Club account and the XXXX payment didn't pull on its due date because of a temporary block on my checking because of a suspicious activity alert. The payment then pulled 8 days later, well within the 15 day grace period. They never posted it to my account and have been calling me for nearly three months. I have spoken with them at least 7 or 8 times, I have provided bank statements showing when the payment came out, that it was not returned and they keep applying the current payment to the past month therefore creating a rolling 30 day late. Their collection desk has been of no help. I have been promised calls from supervisors or managers and that has not happened. One of their collection people stated they see the payment was received, she saw the email with the bank statement, and she would escalate to her manager to resolve yet the calls continue.
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11/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
|
This is XXXX XXXX XXXX, and I am filing this request myself to address the inaccuracies on my Credit Reports. I am requesting for the correction and removable of the incorrect information about my account has been diligently neglected by the Credit Bureaus. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. In addition, the inaccurate information about my accounts is still on my reports. For that reason, the Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below is the account that is still reporting on my account : LENDING CLUB XXXX Balance : {$0.00}
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09/27/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
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The loan application process and funding was done with ease. Shouldve known it was too good to be true. I usually pay my bills 1-2 months ahead. Lending Club is the ONLY creditor that refuses to accept early payments. They start sending bill notices 15-days early so after my second notice for my XX/XX/XXXX payment, I made a payment 1 day early on XX/XX/XXXX. These idiots applied the entire payment to principal curtailment then sent me a late notice for XX/XX/XXXX After I realized they misapplied my payment, I called but the rep and his manager refused to reverse and reapply it correctly. Manager XXXX ( No unique ID, just the only XXXX employed there ) said its not their fault I paid 1-day early and therefore they cant reverse the payment! This is unacceptable and the entire company should be investigated. If they did this to me, I can only imaging what theyre doing to other customers.
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10/01/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
|
On or about XX/XX/2018, I had inquired on line about loan rates for medical purposes. After filling in all of my personal information, I actually only submitted the form after I ensured that these inquiries would not in any way affect or impact my credit scores and there was a disclosure stating that it would just be an inquiry and would not in any way affect my credit scores. However, shortly thereafter I got an email from XXXX XXXX who monitors credit scores that there was a change in my credit score. In my opinion, these loan inquiries could be the only thing that would change my credit score ( s ) since I did not open any new accounts or have any new or adverse reporting recently.
The lending company in question is : Lending Club which it is my understanding that your entity oversees. I have also reported XXXX XXXX XXXX XXXX to the FDIC who I was told oversees these entities.
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06/07/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
|
I have disputed, on multiple occasions, the two " Lending Club Corporation '' accounts that appear on my XXXX credit report. My disputes have been in writing to the company and at least four of the debt collectors companies that have since purchased these debts. I furnished ID Theft reports and statements directly to the aforementioned businesses, and I have furnished the same details to each of the three credit reporting agencies ( CRA ). XXXX and XXXX have both deleted these accounts from my credit reports. However, Lending Club Corporation continues to report these fraudulent accounts to XXXX. Kindly note that, the third of the three disputed ( fraudulent ) account, reported by an entirely separate business " Upgrade '' which I have disputed with all three CRA along with the two Lending Club Corporation accounts, no longer appears on any of my three national credit reports.
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11/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
XXXX XXXX XXXX XXXX ( Now recently name changed to XXXX ) The bank claims they are for XXXX XXXX Banking and can do what all other banks can do.
THEY COMPLETELY COMMITTING MARKETING FRAUD.
Illegal practice that makes false or misleading promotional claims for financial gain via their account representatives who are misleading and on their website and social media marketing materials. They are not a SMALL BUSINESS BANK.
After opening an account... I found out that you can not deposit CASH or Checks from customers into your account AT ALL.
I was told to give out my banking account information and routing number to each of my customers as a solution. THAT IS VERY DANGEROUS to tell new small businesses and would open them up to MASSIVE THEFT opportunities.
They are committing marketing fraud claiming they are a small business all solution bank as they clearly are not.
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05/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
Greetings, I applied for a loan from Lending Club on XX/XX/2018 for {$12000.00} and they approved me for it with 36 months, interest rate 29.41 % and APR 35.36 %. They gave me about {$11000.00} and they started billing me couple weeks after receiving the money. I appreciated the fact that they offered me the loan and started paying them immediately {$510.00} in XXXX and {$500.00} in XXXX and in XXXX I mailed them the balance in full of {$11000.00} after I called them and confirmed the amount we should be sending, My local Credit Union mailed them the balance in full and they chose not to cash it till days later so they could charge me a late fee and now they put it on my credit after I called them more than once and fully disputed the charge with them. Now I am reaching to you to help me with this company to remove this erroneous reporting on my credit report.
Thank you
|
05/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
This is a formal complaint that LENDING CLUB CORPORATIONS are reporting inaccurate information. I am in distressed since finding out they have included the information on my credit profile, not only did they fail to maintain to follow the proper steps to determine wether the information was fraudulent, but they have continued to harass with out giving me the opportunity to defend these false claims. I am not in the best position to pay or lose money on an account that is not mine. As a matter a fact, they lack to do their due diligence, which is required by law, meanwhile I'm in distress because it's preventing me from obtaining a stable job. Please, I would appreciate any assistance with this misleading company. I have attempted to explain that this account was fraudulently opened to set me up for failure, and is now impacting my personal and professional lifestyle.
|
01/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
My husband was looking for a personal loan XX/XX/2016. We looked at lendingclub.com and inquired about an unsecured loan. We were approved for the loan, but we did not proceed with signing the loan agreement. We did not receive ANY funds through our bank, or through a check. We have documents from our credit union that no deposit was made by that company. I have asked for documentation of the loan, our electronic signatures, emails sent etc, but I have not received any. They are now saying I owe money and have sent me to collections, and I have negative reporting on my credit report.
I never received a billing statement. On my husband 's credit report, it says that he made 76 % of payments - but we never MADE ANY payments at all because we never received a bill, or even agreed to this loan, but on my credit report, it says we did not pay any payments at all.
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10/27/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
I applied for a personal loan to consolidate some credit card debt in XXXX XXXX. I applied online via the XXXX XXXX website. I was offered a XXXX loan by lending club. When I discussed the terms with the representative I expressed concern about the 18 percent interest rate given my credit history. The rep argued that without collateral a higher interest was the norm. I reluctantly accepted with the mindset that I could later renegotiate the interest rate with consistent and timely payments. After I agreed to the loan terms, I realized that the APR was nearly 23 percent but the representative NEVER disclosed this during our conversation. I think the companys treatment of my loan application was predatory in nature as there was no regard for my past credit history and per the Dodd-Frank Act full disclosure is required of lending and financial institutions.
|
08/15/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I am a victim of identity theft. Due to the Corona Virus pandemic we are all facing which had me sitting at home and I saw the recent news about multiple XXXX data breaches I decided to look at my credit reports from the 3 Major Credit Bureaus. I found that someone has used m personal information to obtain a credit card. I contacted the credit bureaus and I was told to file and Identity Theft report which I am doing right now. I am writing a request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I appreciate your effort to get this matter resolved. Thank you.
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03/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
I have emailed and called Lending Club over 7 times asking for a change in the payment amount due to unexpected financial disasters. One I lost income due to a XXXX and two the coronavirus. They have refused all options and yet email me saying they have a " hardship '' program. I ask them about that and they say I do not qualify and that is offered randomly to some customers.
I recently emailed them several times to discuss specifically the changes if less income due to the coronavirus pandemic and they simply send an email stating that due to this " coronavirus '' their response time is later than usual but never respond. However they are sending payment reminders and I was late XXXX and they called repeatedly demanding payment. They are out of control. I simply want to lower my payment amount to about half until this situation resolves. Please help.
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06/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with cash advance
|
|
Web |
|
Filed a bankruptcy in 2016. Got an email to apply for a loan thru Lending Club, applied and got rejected due to my bankruptcy. Starting getting emails and phone call from Lending Club regarding late/no payments. Looked on my credit report to see that someone approved the loan for {$9600.00} and wired the money into and an account. I never got this money, and apparently someone did and had it deposited into a XXXX XXXX XXXX account. I do not possess a XXXX XXXX XXXXXXXX account. Went to my local Police dept in XXXX XXXX XXXX, New Jersey and filed a report. Contacted my XXXX credit to dispute, and they are rejecting my claim. The police report case # XXXX, the officer 's name was XXXX XXXX The phone number is XXXX. The experian case # XXXX. I had to filed bankruptcy and don't understand why someone would approve a loan for that huge amount of money.
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03/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
XXXX Unethical practices. I was late due to LendingClub pulled from and old account and caused me a {$30.00} fee. Email to for credit of XXXX Was told had to call into to request. Called to ask and declined. Never asked for credit in the past. Have had a few loans and was never late. Said unless paid report 30 late and destroy my credit on LendingClubs late fee! This company is unethical! No one reports on a late fee to the credit bureau until 30 days after late. Not on a late fee LendingClub accessed To top things off they blamed me even though my email Clearly says what account to use. This is the worst company. They dont help consumers at all. I paid {$400.00} that covered the payment. I was force to pay the late fee to avoid a 39 late. The website says they do but it not true! Gets better a friend request from a LendingClub rep. Unprofessional?
|
07/22/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
On XX/XX/XXXX I applied to borrow XXXX from Lending Club. I had previously had a loan from them that was paid in full ( early ) and always on time.
My credit scores are XXXX, XXXX, and XXXX. Their Adverse Action letter stated my score was XXXX. They never ran a check as far as I could tell from my credit bureau report.
My total credit card debit is less than XXXX.
I owe less than XXXX for my car I own my home free and clear and it is valued at nearly XXXX My bills are paid on time. The only negative thing was a foreclosure in XXXX due to a divorce. That negative will come off my report in XXXX, Otherwise my credit is excellent!
In the application they asked my DOB - I am XXXX yrs old, and divorced. I believe I was denied this loan because of my age. I can see no other reason since nothing other than my address changed since the last loan.
|
03/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
I have followed the account creation process per LendingClub.com and their staff.
There is an error. I am unable to finish account creation, nor able to sign-in. No one is able to resolve this via email or the basic levels of customer support.
I've been told a ticket has been submitted to resolve the issue. I currently do not have a way, online, to pay my installment via LendingClub, which is a digital bank.
I've also been told that when the ticket is resolved and the account creation issue is resolved, I will not be provided with an update. Follow-up is being put upon me.
Each call takes between 20-30 minutes of time. Each person I speak to is increasingly non-committal and unwilling to provide any clarity, nor any specifics as to when the issue will be resolved and their next steps, beyond asking me to continually check in with them.
|
02/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
on XXXX XXXX, 2020 I lost my job affected for covid 19 pandemic, I been paying this loan for 3 years alreday, never late and never miss a payment.I tried to make arragements with them but is imposible, I understand is not they obligation but we are leaving with a pandemic and is somenthing no body expect it. I have been working for 18 years and I lost my job. I send them emails, and make several phone calls but they denied support me on this situation. they reported to credit bureau damage my excelent credit and my account is charge off damage my cretit worse. I appreciated any support on this. LendingClub dont apreciated there clients on this pandemic, they send letter and advice to call for help but when you call they say you need to pay what is behing plus late fees and amount is going up every month.I email them but they never answer back.
|
07/22/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
On XX/XX/XXXX I applied to borrow XXXX from Lending Club. I had previously had a loan from them that was paid in full ( early ) and always on time.
My credit scores are XXXX, XXXX, and XXXX. Their Adverse Action letter stated my score was XXXX. They never ran a check as far as I could tell from my credit bureau report.
My total credit card debit is less than 5K.
I owe less than 11k for my car I own my home free and clear and it is valued at nearly 100K My bills are paid on time. The only negative thing was a foreclosure in XXXX due to a divorce. That negative will come off my report in XXXX, Otherwise my credit is excellent!
In the application they asked my DOB - I am XXXX yrs old, and divorced. I believe I was denied this loan because of my age. I can see no other reason since nothing other than my address changed since the last loan.
|
12/22/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American, Servicemember |
Lending Club is giving us the run-around! I have twice written, telling them to please deal with my daughter, regarding the closure of my wife, XXXX 's account ( she died in XXXX ).
Also, I have also been on 3 phone calls where they did not resolve the issues, nor did they ask for additional materials ( if they needed them to do so ). I am fed up.
My daughter wrote to this particular agency last week to file a complaint, and the company responded by saying they would follow up with me. Well, that is why she complained! They are NOT following up with me!
They now have identification, death certificate, more than one letter of instruction, and a copy of the POA for my daughter. WE have sent some items multiple times.
And they still have my money!
We have had no rmeaningful correspondence form them in more than a month.
Please help.
|
06/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft LENDING CLUB Account Number : XXXX This is not mine.
9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
10. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.
11. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.
|
10/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account.
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Lending Club Corp Loan account .Ive Been trying to verify this account for four months from XX/XX/XXXX -XX/XX/XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
|
07/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
Several years ago, my information was stolen and a loan was placed in my name through Lending Club. However, Lending Club ( LC ) is still on my XXXX credit line. In addition, because of this identity theft that took place, I can no longer be accepted for a personal loan via LC. I am writing to say that : 1. LC needs to erase the false information from my XXXX credit bureau history.
2. I strongly believe that I did not get accepted for a personal loan this time around because of the past stolen identity that took over my personal & sensitive information. However, I appeal this decision. Instead, LC should re-consider the loan denial and give me an actual chance of paying them back. This is NOT fair to customers at all and I will be sure to spread the word to prospective customers about the injustice I have faced through Lending Cub.
|
02/02/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
I was an investor in Lending Club. I stopped funding my account with about two years ago. During that time I was able to transfer funds out as they were recovered. After 6 months of inactivity Lending Club then forcibly closed my account. I was told at the time when they closed the investor account that recoveries from charged off loans would be periodically sent to me via a check when the funds reached a certain level. ( They did not specify what that amount was. ) I am now receiving emails from them every few months that there is at least XXXX in my account from recoveries. I have emailed them at least 4x since the most recent email on XX/XX/2020 and received NO RESPONSE or reply since beyond an automated reply telling me that they received my email.
I am requesting that they send me a check for {$100.00} to close this complaint.
|
09/20/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
Previously this year in XXXX I called in and told them that I was no longer working. We then mutually agreed that utilizing my grace period was the best solution. I called into Lending Club on XX/XX/20 to express my proactive concern about future payments. I told the initial representative that I am still not working and I need additional assistance. I was then transferred to a payment specialist. The specialist preceded to tell me that I either pay or face negative credit reporting. She then broke down the timeline of non payment, after 30 days it reports negative, after 90 days its outsourced, and finally after 120 days its charged off. So I asked are you saying either I pay or face the consequences. She said " Yes ''.
So I felt a little bullied, and felt she had a lack of empathy especially after I have proven great pay history.
|
11/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the 3 Credit Bureaus. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : LENDING CLUB CORP - XXXX
|
03/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc.
|
03/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc.
|
12/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
Servicemember |
Lost income due to medical emergency, tried to contact lending club, bank and XXXX. Bank and XXXX helped. Lending club seemed to understand for the first two months. I can not find a job, i am a XXXX vet who can not find suitable employment. I am more than qualified and couldnt even get a job at XXXX XXXX. I was hit with two XXXX hangout scams for fake interviews. One was even on XXXX. Ive worked with the DVA and nothing was done. Ive applied to myriad of jobs. I was begging XXXX to help me somehow because I did not know what to do. Now Im getting spam calls, people leaving zodiac breathing voicemails and hanging up. Then I receive a letter from pay XXXX and they now want to get me in contact with the person I owe this debt. I had to change my number. I no longer know who is who anymore. Please help, I am NOT THE ONLY ONE!!!!!!!
|
12/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
On XX/XX/XXXX I went to the online website to make my regular payment that is due on XX/XX/XXXX. Up until this point I have always used autopay. I canceled the autopay on XX/XX/XXXX so I could start making the payment early along with additional principle. When I logged into my account, there was a button to make payment which I clicked and make the regular payment. There was no option to make additional principle. It stated I would have to wait 2 days to make the additional amount. No biggie. When they applied my payment on XX/XX/XXXX, they applied the entire thing to principle and said I still have a payment due on XX/XX/XXXX. I called them on XXXX and was told they will look into the matter but in the mean time I need to make another payment. The payment is {$920.00}. I do not have an additional payment right before XXXX.
|
01/05/2019 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
I made a payment on-line on XX/XX/XXXX, which I intended to cover the payment due on XX/XX/XXXX. The payment was applied to my XX/XX/XXXX due date, so a double payment was made. No warning was available on the Lending Club website to inform me that the payment was applied to the XX/XX/XXXX cycle. Now, Lending Club is unwilling to make an adjustment to make my loan current. My loan is now over 15 days late and a late fee has been applied. I do not have money in my budget to make an additional payment.
So I'm being penalized for being early with my payment and not remembering the " fine print '' of a loan agreement. I feel like a reasonable person sees a due date as a deadline to make a payment, and would see it as better to pay prior to the due date than after. I'm sure I'm not the only borrower who has had this experience.
|
08/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I have ONE loan with lending club, however, my XXXX report shows the same loan TWICE which has caused me issues obtaining new credit and credit limit increases.
I contacted XXXX disputes and all they did was update the duplicate account with the payment history of the existing loan. In other words they didnt do anything to remove the duplicate loan and did nothing to fix it but closed just dispute.
I contacted lending club today XX/XX/21 and asked for help and was informed its a known issue, no resolution date, theres no letter they can provide before I apply for my new mortgage - so essentially we dont care just deal with it. Please help me as I plan to apply for a mortgage in three weeks and this will be a major problem. Not only that it has also impacted my ability to obtain credit lines in recent card applications.
|
09/09/2020 |
No |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
I have been paying on a past due account ( Lending Club ) to XXXX XXXX for over 1 yr already and every time they try to settle with me and I tell them I cant they get very upset. The representative XXXX XXXX is very unprofessional and rude on the phone. She contacted me on XX/XX/2020 at XXXX XXXX and wanted for me to settle my past due account and I told her I cant but that I can continue paying the {$75.00} I have been paying for over a year and she said no and started yelling at me. She said you owe {$1600.00} and I need you to send payment immediately to them. She did not let me speak, she just yelled over me and said that if I wasnt going to send the entire balance then she was going to call me every day and also threatened to call my job. I have been paying them monthly and I dont think its right for them to harass me.
|
07/27/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
I have a 25 % -35 % personal loan with Lending Club out of XXXX XXXX, Ca. I took out a loan in XX/XX/XXXX. I took out another loan in XX/XX/XXXX. I was unaware that the New York state law allowed only a 16 % interest rate or less on personal loans from financial institutions. I sent a written request to Lending Club and was told that they loaned me this amount based on what the federal government allows. No specific comment was given why they gave a rate much higher than what NY state allows. Please send me information on how I can proceed with this lender since it appears the company is operating without regard to usury laws in New York State.
Referenced law in NY : https : //www.dfs.ny.gov/XXXX Note : Attachment only contains one loan image since Lending Club has blocked access to the other loan. Both loans are over 25 %
|
07/29/2019 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
Lending Club. I cancelled auto pay through my checking account for a loan payment.XX/XX/2019. They responded XX/XX/XXXX confirming the cancellation. I understand I still owe this money, however they cancelled the autopay through email, but have attempted to withdrawal the amount three different times after the cancellation from my checking account and because the money was not in my account I have had NSF fees adding up.
XX/XX/XXXX they attempted to withdrawal XXXX and it was returned with a fee. They attempted again on XXXX. It was also returned. They attempted to withdrawal XXXX on XX/XX/XXXX. It will be returned from my bank with another fee. I will be notifying my bank officially of the cancellation to attempt to stop further withdrawals. I did talk with my bank but they said I needed to talk to Lending Club.
|
09/08/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
Lending Club is reporting to Credit Agenies that I have missed payments in 2020. This has happened in XXXX and XXXX. Each time I called XXXX XXXX to informed them of the incorrect information, they correct it and resubmit correct information to credit bureaus. It happened again in XXXX. I reported to XXXX XXXX on XX/XX/XXXX and emailed them screenshots as proof it happened again. I called Lending Club to follow up on XX/XX/XXXX to followup. I was informed that the ticket was still open and to follow up on Friday. I called today XX/XX/XXXX to follow up and still nothing has been done. In the meantime, I have been denied credit because of their error. I am also concerned why this continues to happen as well as, its preventing from applying for additional credit for fear of being denied or given higher rates.
|
05/06/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
I paid off a 60 month loan in 18 months. The last XXXX payments were large amounts. The monthly amount was XXXX . In XXXX XXXX I paid approximately $ XXXX {$11000.00} towards the loan. In XXXX XXXX , I paid off the remaining balance which is approximately {$8900.00}. The payment date was XXXX XXXX . The final {$8600.00} paid the loan info. Because it was not paid on the XXXX they have now assessed a XXXX day late on my credit report. I spoke with them about this and asked them to remove it. He said I had paid the loan off satisfactorily but they would not remove the 30 day late. Even though it was n't even 30 days late it was XXXX days past the due date. And the only reason I posted late is because they have the wrong bank information. Please advise next steps. XXXX XXXX
|
07/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
I was declined a loan after I already have a loan with them. When I called to discuss why I was declined and to understand how they arrived at the XXXX I was put on hold. Then I was told they arent allowed to transfer me to talk to someone who could explain how they arrived at my XXXX. I believe they may have made a mistake and wanted to ensure they are calculating correctly. I feel it is not fair under and maybe against Regulation B for not explaining and giving me the chance to ensure they have my specific debts and income correctly. I currently have a loan with them and feel they could at least walk me through and explain. At least show me it was fair treatment and not based on discrimination. Instead I was provided with vague answers making it seem like who knows what the decision was really based on.
|
05/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
On XX/XX/2017 I had an unexpected job loss. I continued to make regular payments and eventually entered into a Hardship repayment for 3 months. I was told that the payments during hardship period would be added to the end of the loan. When repayment ended, I was told that I had to pay {$1200.00} because I defaulted on the agreement. My payments show that I made the timely payments. I was also MISLED with information that the shortage of payments would be added to the end of the loan. I made good faith payments until I went back to work and then ultimately paid off the loan.
I would like to have the 90 day late payments removed from my credit report.
The Lending Club sent me a letter of explanation, which is different from what the representatives in their customer service area are telling clients.
|
05/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
This particular company is allowing customers to make their payment with the 15 day grace. And not advising that this is a daily simple interest loan that in cumulates more interests earn. In addition they are not able to make same day payments and always advises that they will post the payment the following business day to allow the company to accrue additional interests. This is unethical and I think that this company needs to be reviewed under CFPB. Any company is able to make a payment and backdated to the original payment date that you called in period I called in at XXXX o'clock central standard time and advise that my payment will not post till Monday due to it being considered the following day being Friday. That is absurd and ridiculous for companies to make additional money off of consumers
|
09/14/2019 |
No |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
Lending club stated I received funds into my bank account on XX/XX/2018. My account was put on hold due to identity fraud and hacked on XX/XX/2018 as the bank Say I would have not been able to receive any deposits or withdraw any. I sent the bank statements to lending club fraud department and the bank manager also stated she left 6 voicemails within two days and never received a call back. I ask lending club to remove the account after doing more investigations. The lending club is forcing me to pay for a XXXX XXXX loam I never received in the amount of {$7100.00}. They sold the debt to XXXX XXXX investigator as {$8100.00}. I sent the same paperwork to XXXX XXXX email and didnt get any responses. I even tried negotiating the XXXX I had in my savings to get the account negotiated and written off.
|
09/05/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
Lending Club misleads me and they apply payments to interest only and not to any principle. This has made it so I will always be late and therefore charges me more late fee 's. Although I ask them to apply my payments to the Principle and Interest they say that they are allowed to apply my payments to interest only if they choose. They offered me a deferral during covid for 2 months and now I will not be able to get caught up. They are a fraudulent company and their website shows misleading and little info to understand how to make a payment or pay off your loan.
When I talk to their reps on the phone they either say they cant do what I am asking or hang up on me.
They keep your loan information and statement to show little information that allows you to make sense of your current loan status.
|
07/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
I believe my identity was compromised due to the data breaches from XXXX, XXXX XXXX/XXXX XXXX and XXXX. Further, I believe that there are situations arising from that fact that my SSN is one of a sequential sibling numbering and XXXX of my siblings are deceased. That coupled with the fact that I have an ex who knows my SSN and personal information and a relative of XXXX of my deceased siblings who also know that information, that debt has been obtained in my name using new accounts and existing accounts.
I want to see all of the information used to obtain this debt and make charges against it. I want all pertinent information used to verify identity and approve this debt. I am concerned that debt was authorized in my name without verifying it was me seeking the debt and getting benefit of it.
|
02/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
I found out that there was loan under my name from company called Lending Club.
Couple months after, my credit point dropped over 100 points, and I started calling credit companies, XXXX, XXXX, XXXX to dispute for this amount. I have never requested personal loan from Lending club, nor received money. I tried call this loan company, but it is unreachable by phone. I sent an email and they sent me a letter which didnt explain anything about my concern. Therefore, I filed a complaint about this fraud on police department in XXXX, TX. I am guessing someone stole my identity. I have received a letter from a collection company called XXXX XXXX XXXX XXXX which amount of {$13000.00} on XX/XX/2020. I am a victim of identity theft and looking for help to resolve this issue.
Sincerely.
XXXX XXXX
|
11/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
XX/XX/2018 I Called Lending Club and Paid Complete Balance XXXX ( approx ) In Full Via Phone.
BEFORE I MADE THE PAYMENT, I ASKED IF THE DEFAMATORY REMARKS AND THE INCORRECT STATUS ON MY CREDIT REPORT WILL BE REMOVED. I SPOKE TO TWO PEOPLE WHO CLEARLY STATED ALL REMARKS EXCEPT 30 60 DAYS LATE ON ANY PAYMENTS WILL BE REMOVED " CHARGED OFF XX/XX/18 '' AND BALANCE OWING XXXX WILL BE REMOVED.
LENDING CLUB HAS A RECORDING OF THIS CONVERSATION WITH BOTH EMPLOYEES.
3RD WEEK OF XXXX I CALLED LENDING CLUB EXPLAINING DEFAMATORY REMARKS AND INCORRECT STATUS NOT UPDATED. I WAS TOLD BY A LENDING CLUB EMPLOYEE THAT THE 2 STAFF MEMBERS I SPOKE TO WERE WRONG, REGARDLESS IF THERE'S A RECORDING, THEY WILL NOT CORRECT THE ERRORS ON MY REPORT. THIS IS FALSE REPORTING.
PLEASE LOOK INTO THIS AGAIN. THANK YOU
|
12/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
XXXX credit card and I received a card with micro chip in the mail.
2.XXXXcompany made aware on XXXX 3.XXXX XXXX account opened in my maiden name which I haven't used in over 20 years-XXXX they were made aware the account is fraudulent.
4.XXXX-mastercard account-I could not contact anyone on the phone about this one.
5.XXXX debit card=Someone opened this under my first and middle name-reported XXXX 6.XXXX debit card=came with someone elses name on the card-I called and made then aware I didnt open this account.
7.XXXX bank account-debit card with chip came in mail-made aware on XXXX 8.XXXX XXXX opened a bank account in my name-I made them aware on XXXX 9XXXX XXXX-bank account opened in my name-made aware in XXXX 10.XXXX XXXXXXXX XXXX XXXX opened a bank account-called -made aware XXXX
|
09/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I submitted an electronic dispute to Lending Club Corporation concerning a loan that was charged off that was included in bankruptcy. I filed for Chapter XXXX Bankruptcy on XX/XX/2020. After submitting XXXX disputes to Lending Club through XXXX Lending Club has failed to conduct a reasonable investigation to show that this account was included in my chapter XXXX bankruptcy and they are not adhering to the XXXX XXXX furnishing requirements outlined in the Credit Reporting Resource Guide. If Lending Club can not make the necessary corrections to my credit report by either updating my credit report to show accurate information or by deleting the trade line from my credit report, I will be consulting an attorney and proceeding with legal action as this is a direct violation under the FCRA.
|
05/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
We were in the process of refinancing our home and current creditor ( XXXX XXXX ) let us know their was a current loan affecting available refinance rates. Loan was from Lending Club Bank in the amount of $ XXXX. I do not have any outstanding loans currently and thats how i found out i have an unauthorized loan under my name. I contacted Lending Club Bank and was able to obtain the following information regarding this unauthorized loan. Name for Loan : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) Amount : {$36000.00} ( they have paid $ XXXX of the loan and the outstanding balance is $ XXXX ).
Account # : XXXX. {$1100.00} Monthly payment i want to go about all the channels available to us to make sure we report this fraud and have it removed from my account. Thank You.
|
07/19/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
Older American |
I secured a line of credit with the lending club in the amount of {$11000.00} in XXXX of XXXX. I begin having problems in XXXX of XXXX. The Lending Club did not send me statements in XXXX, XXXX or XXXX. I sent my payments those months but was not able to see how my payments were being applied or if they were being applied on time. In XXXX, I sent a money order in the amount of {$510.00} and called on XXXX XXXX to ensure my payment was applied. As of XXXX XXXX the money order was not applied so I called the issuer of the money order and learned the money order was cashed. I sent another payment to the XXXX XXXX to avoid being late and have opened a claim to find out who cashed my money order. I have had nothing but problems and as a senior citizen I feel I am being taking advantage of.
|
11/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
LENDING CLUB BANK XXXX - THIS INACCURATE AND UNVERIFIED ACCOUNT SHOWS UP ON MY CREDIT REPORT WITH XXXX, XXXX AND XXXX, I HAVE NO KNOWEDGE OF THIS ACCOUNT< I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY - I HAVE NEVER SIGNED AN AGREEMENT WITH THIS COMPANY- I HAVE NEVER CONDUCTED BUSINESS WITH THIS COMPANY- I HAVE REQUESTED IN WRITING MULTIPLE TIMES SOME PROOF OF LEGAL OWNERSHIP WITH THIS COMPANY AND WITH ALL XXXX CREDIT REPORTING AGENCIES AND HAVE NOT RECEIVED ANY LEGAL PROOF OR ANY SIGNED DOCUMENTS SHOWING LEGAL OWNERSHIP FROM LENDING CLUB OR FROM XXXX. XXXX OR XXXX, LENDING CLUB BANK HAS NOT SHOWN ME PROOF OF AN ORIGINAL CONTRACT, PROOF OF ANY PAYOFF DISCLOSURE- NOR PROOF OF ANY INTEREST RATE DISCLOSURE- NOR PROOF OF ANY CREDIT INSURANCE-NOR PROOF OF ANY BALANCE OR PAYMENT HISTORY
|
09/27/2019 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
I was told that I was approved for an loan with LendingClub. I submitted my documents multiple times to them they said needed my bank statements ; I informed the reps that my account just got hacked so I had to open another account.I called over 70 times was told something different everytime which was very confusing.
I went to my bank waited for over an hour to get bank reference letter which did not have any bearing on the approval.Lending Club had my income documents for an whole week if they were not going to approve why keep leading me on as if I was. When called in final time I told them was contacting the CFPB they sent me a denial letter 30 minutes later. I was speaking to an manager says going to call me back to followup because their was something wrong with the website.
|
11/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
I've notified Lending Club several times that the alleged debt is the result of identify theft. In support of that notification I have provided a signed and notarized FTC ID theft complaint and affidavit. In addition I have disputed this firm 's reporting on my credit reports. The firm did remove all reference to this matter from my credit reports. This was a positive step. However, I am now being sued by a firm, XXXX XXXX XXXX, who claims to have bought this debt from Lending Club. I have contacted Lending Club asking that they resolved this matter, but they have not responded. See attached documents.
My request is that Lending Club notify XXXX XXXX XXXX that they are rescinding the sale of this account to XXXX XXXX XXXX, so that the legal action now pending may be dismissed.
|
05/27/2020 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
We were told that due to employment layoff due to Covid 19 that we would could take a forbearance on the payment and that it would not result in any negative credit reporting. After discussing it further my spouse and I elected to end the forbearance and make the XXXX and XXXX payment at the same time but was still issued a late payment to my credit report for XXXX.
This years payments XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XXXX {$780.00} ( XXXX and XXXX 's payment ) XX/XX/XXXX XXXX The late payment was applied for XXXX even though we were assured multiple times that there would not be any negative consequences of taking the payment forbearance. Lending Club is very difficult to work with and each time you speak with a rep you told something different.
|
05/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
I entered a consumer credit transaction with LENDING CLUB and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that LENDING CLUB claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. LENDING CLUB has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
|
04/05/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
I opened two accounts based off the high interest the bank offered for balances above {$2500.00}. When I opened the accounts I only had the option to transfer up to {$500.00}, so I did. Once the account was opened I wanted to transfer $ XXXX into one and $ XXXX into the other but the bank has a {$5000.00} a day max transfer policy. If you do the math to move $ XXXX in $ XXXX increments you are talking over 63 days to transfer the funds plus I get cheated out of the interest they advertised.
Another issue is unbeknown to me they installed tracker software to pull my XXXX checking, savings and mortgage balance information into their website so it shows up on a dashboard on their site. I found out the tracker and blocked it but the dashboard still has my XXXX information.
|
04/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
I find myself in this position with this bank regularly. I feel the bank is holding the payment as long as possible. I sent out payments to multiple creditors on the same day and they have all cleared my account except this one. Its not a day or two difference its over a week and almost two. In the past the lender blamed the post office even though my other mentioned creditors are further away and not experiencing the same issues. I feel this practice is done purposely to inhibit prepayment and to keep the clock ticking on the interest until the last possible day. I feel this is an infringment on my right to prepayment without penalty and is a deliberate action of the institution. The bank is Lending Club. Their address is XXXX XXXX XXXX XXXX Texas and my account # is XXXX
|
08/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
I made my first payment on the XXXX of XX/XX/2021. I requested a due date change on the XXXX of the month to change my due dates to the last day of each month. I received confirmation that the due date was changed and my next payment would be due on the XXXX of XX/XX/2021 and that my term would be extended due to the increased days in between payments. To my surprise I found that additional payment had been drafted out of my account for the amount of {$140.00} on the XXXX of XX/XX/2021. This was not an authorized payment by me and is a violation of regulation E banking law. I requested a refund and the company has refused. I asked for my due date to be changed back so my payment would applied for XXXX. They refused and now state i must still make a payment in XXXX.
|
02/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
The lending club loan was taken out in XX/XX/XXXX by my wife. The amount was XXXX they gave us a check for XXXX We have refinanced our house and LDS escrow. Of XXXX XXXX Paid XXXX XXXX XXXX dollars on XX/XX/XXXX. We had automatic payments taken out to pay for the loan, we had been late in XX/XX/XXXX as we thought the escrow would have paid it but did not pay it until XX/XX/XXXX, thus we were also late in XX/XX/XXXX. When lending club got paid and was paid off years early we still had a balance left, according to them, and they canceled the automatic payments. XXXX stated that.payments, which made us late again. The balance left was XXXX, but had to pay XXXX. XXXX was the person from lending club and would not say his last name. Phone call was done today XX/XX/XXXX.
|
10/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
This account is fraudulent in regards that the security interest paid for all obligations. Lending Club continues to communicate with me harassing, oppressing, and abusing me in connection with this debt. Lending Club has continued to send false, deceptive, and misleading representation in connection with the collection of debt created by this account. Lending Club unfair and unconscious practice to collect this debt is causing harm, abuse, and is very deceptive.
Lending Club continues to infringe on my rights as a consumer by not in good faith upholding their responsibilities. The Fair Debt Collection Practices Act ( FDCPA ) and Truth in Lending Act ( TILA ) responsibility for the debt is in dispute as well as the validity of the debt, or any portion thereof.
|
12/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
I disputed the account with Lending Club requesting validation on XX/XX/2018. I sent a certified letter that they signed for on XX/XX/2018. I pull my credit report after 30 days and noticed that they didn't add " notice of dispute '' to my account. In addition, they had not respond to my compliant within the 30 days allotted. By not replying in a timely manner to my initial letter on XX/XX/2018, they have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
I am attaching supporting documentation that clearly shows they didn't respond in 30 days. They should have responded by XX/XX/2018. Not sending me an email on XX/XX/2018.
|
11/20/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
Opened a high yield savings account with Lending Club. Feel they were misleading. After opening account found there was a {$5000.00} transfer limit per day on account. This was no good for me. Called several times to close account. Was told they could not close until initial {$100.00} deposit was in account and then they would close with no problem. Called XX/XX/21 after waiting a week to make sure initial deposit was in account. Account # is XXXX. {$100.00} was in account but they are still refusing to close account. Asking me to mail them documents to close account. I didn`t have to mail them documents to open account. I have other online savings accounts and never had to go through this aggravation. Every time I called them felt I was getting the runaround.
|
06/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
Hello, I got a personal loan from LendingClub on XX/XX/2020. The loan amount was {$30000.00}. However, they did not credit me {$6000.00} into my account. They asked me to credit this money to one of my existing account. The XXXX XXXX account was over there and I thought it was related to my car loan account XXXX XXXX XXXX XXXX. But it was not. I gave my car loan account number and the money did not go there. I contacted the LendingClub and XXXX XXXX couple of times with phone and e-mail. They promised me but they did not solve my problem. I am still paying LendingClub {$1000.00} dollars every month with automatic payments. However, I could not get my {$6000.00} dollars from either company. Could you please help me with this issue?
Sincerely, XXXX XXXX XXXX
|
03/13/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
BEING SUED IN SMALL CLAIMS BY XXXX, UPON CALLING THEM TO VERIFY THE DEB, THEY SAID IT WAS WITH AN ATTORNEY AND THEY COULD NOT PROVIDE ANY INFO. HOWEVER THEY WERE ABLE TO VERIFY THAT THEY ARE A DEBT BUYER AND NOT THE ORIGINAL CREDITOR. THEY GAVE ME THE ATTORNEY 'S INFO. UPON CONTACTING THE ATTORNEY ON FILE THEY SAID THEY WERE REPRESENTING LENDING CLUB WHICH IS NOT THE FACT! AND IN FACT THEY ARE REPRESENTING VELOCITY INVESTMENTS ( WHICH IS ON THE XXXX WEB SITE NOT LENDING CLUB ) SINCE THEY BOUGHT THE DEBT AND ARE NOT ACTING AS AN ASSIGNEE OR EVEN SUBROGEE THEY JUST BOUGHT THE DEBT. THE ATTORNEY 'S REP IS SAYING THEY ARE REPRESENTING LENDING CLUB..AS I UNDER STAND " Holding unintentional misrepresentation of debt collector 's legal status violated FDCPA '' XXXX
|
04/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
I took out a loan with Lending Club in XXXX. In the last 6 months I have struggled to make the payments and started working with a debt management company to help settle the debt. The debt management company took my payments but did not settle the debt and a a result, Lending Club charged off the loan. I filed a complaint against the debt management company with CFPB in XX/XX/XXXX. I have since reached out to Lending Club and asked that they reopen my file and help set up an affordable repayment plan. I called Lending Club twice and emailed. They are refusing to work with me as a customer. They will not return my correspondence.
I want to pay off this debt in affordable payment plan and I want the " Charge off '' notation removed from my credit report.
|
11/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
i have been travelling and had missed some payments. When i tried to catch payments up Lendingclub refused to accept online payments and made me call a toll free number which was difficult when travelling. I was finally able to reach someone and they told me that my loan was now in charge off status.
They refused to take automatic payments, representative said that i had to call in monthly.
Their own information says that charge off status is when they " reasonably expect no further payments to be made '' This is clearly not the case! I am trying to make payments and they are making it very difficult.
This is clearly a way to make things more difficult for the consumer and let lending club profit at the expense of debtors and loan investors.
|
03/13/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
I previously invested on the peer-to-peer borrowing platform LendingClub. Due to poor performance, I stopped new investments a few years ago. All of the notes that I had invested were either paid or charged off, and my account was subsequently closed. After that, there were recoveries on previously charged off loans. LendingClub is generating statements that show I have a cash balance, but I am unable to withdraw it. On the website, clicking any options related to bank accounts or transferring money brings me to the page that allows me to download my PDF statements.
I attempted to e-mail LendingClub regarding this issue at the address listed on their help page, but received a bounce message and an auto-reply that the box is not monitored.
|
04/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
I re-consolidated a few credit cards in order to reduce my monthly payment into one. After have all the accounts transferred into one account for XXXX XXXX, apparently some credit card companies still reported my status incorrectly. Now I have delinquent accounts showing in my credit, and it does not allow me to purchase anything on credit, even though I am still making payments on all those expenses. I just want to remove the delinquent accounts under my credit. The Current Payment Status under Lending Club Corporation shows in collections, but the amount was transfer into XXXX XXXX and I am still paying on the amount.
It also shows in their " remark '' notes that another lender purchased the debt, and Lending Club Corporation was paid.
|
01/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
They reached out to me to get the full monthly payment, I advised them that I was unable to make the payment due to losing my job due to COVID-19. I have another job but I am making over 50 percent less. They worked with me from for the first few months ; however, when I couldnt afford to make the full monthly payment or the half payment the representative got extremely rude saying Ive already answered the question ten times, combative. Told me the only thing I could do was to make the full monthly payment I could break it up into two payments. The representative I spoke with on XX/XX/XXXX offered me hardship program but the rep I spoke with on XX/XX/XXXX said I could only make full monthly payments. Treating me like dirt in the process.
|
08/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
08/29/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
08/21/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
03/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
02/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
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11/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
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I have a loan with lending club. First off, you should take a look at their banking info process ( adding my account ) It requires autopay and they have ( 2 times ) accepted my one time authorization over the phone and then fraudentently enrolled me in auto pay, resulting in OD fees with my bank.
After I was 3 weeks late on a payment they " outsourced '' the loan and said I can not pay partial, only full payment to them. I called the outsourcing company who said they'd authorize a partial payment, it's been an entire week additional that they haven't drafted the funds, which now makes me worry that I am being reported without given the proper opportunity to reconcile the late payments as I'm a student working nights.
Thanks
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11/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
On XX/XX/21, I received a bank statement from Lending Club Bank in the mail regarding a bank account that was fraudulently opened under my name. I called Lending Club Bank on XX/XX/21 informing them that I did not open up this account. The customer representative acknowledged that this appeared to be a case of identity theft and that my name, SSN, DOB and address was used to open up this account under my name. He indicated that an investigation will take place and assured me that I would not be financially responsible for any of these charges. He instructed me to contact the Federal Trade Commission, credit reporting agencies, my bank and the local police department. I am currently in the process of contacting these entities.
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04/29/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
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Web |
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I took a loan in XX/XX/2016. They said no hidden fees. But the amount deposited into my checking account was less than the amount I was expecting. They said it was processing fees.
I see the FTC has filed a lawsuit and I want to be a part of it. I am paying interest on money that I anticipated having for my use, not sudden mysterious fees going back to Lending Club.
Also, if you are over 15 days late but before 30 they add a late fee to THAT payment due. Most companies add to following monthly statement. So if you pay only amount you think is due and don't include the sudden late fee, then you will be 30 days late because you didnt pay enough. They are very sneaky and can ruin someone's credit with this tactic!
Thank you.
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12/23/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
Lending Club sent my loan to an outside collection agency while I was actively paying according to terms. I called to dispute their actions and they took the loan back from the agency. After they took it back they put it in a charged off status even though I am current on payments and making them according to the original terms they did not charge off anything but refuse to change the status of the loan from charged off to current and paying as agreed. I 'm trying to refinance my mortgage and I 'm a XXXX veteran and on a tight budget with high student loan payments. Their illegal reporting of the loan is preventing me from refinancing with FHA and I 've been trying to get them to change the status of my loan but they refuse.
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11/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
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I opened a XXXX XXXX account on XX/XX/XXXX through my friend 's referral link XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The referral bonus terms ( attached ) say that you only need to have {$500.00} in the account on the 60th day, which would be XX/XX/XXXX. On XX/XX/XXXX, I added funds to the account to get to a {$500.00} balance. I messaged support on XX/XX/XXXX if I satisfied the bonus requirements. She said yes and that I would get the bonus in 90-95 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 {$500.00} over the first 60 days. These are not the terms I signed up for.
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04/28/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
|
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
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04/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
On XXXX XX/XX/2020, as the COVID-19 pandemic was beginning and I was impacted with job and pay issues, I immediately contacted the Lending Club and asked for assistance with deferring my payments. On XXXX XX/XX/2020, they approved my request due to being impacted by COVID-19 pandemic and at the same time, they reported my account as being delinquent to the credit bureaus. This is unfair and inhumane treatment. When the world is being impacted by not being able to work and families are struggling, its bad enough that I had to reach out to request assistance due to being impacted, but to have the account reported immediately as delinquent when I have been reaching out for assistance from the beginning is unfair treatment.
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04/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX LENDING CLUB XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
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03/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
I am experiencing financial hardship and am consolidating all of my debt into a debt management plan, which LendingClub refuses to honor. If I am reaching out to LendingClub asking for their help to fulfill my obligations of my loan, how can they get away with not helping me, the consumer. I am willing to pay the remaining balance {$4500.00} of the original {$6000.00} loan amount, but with a reduced monthly payment of {$120.00} for 36 months which roughly equals {$4500.00}. This is more than reasonable and very financially responsible on my part. I just can not afford the originally agreed monthly payment of {$240.00}, which my debt management counselor at XXXX XXXX XXXX can confirm.
Thank you, in advance.
XXXX XXXX
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02/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
Was informed from my credit report, someone fraudulently attempted multiple banks/credit unions loans. Contacted Lending Club Bank to report fraud. They stated since the application is pending theres nothing that can be done. Until I randomly check back days later to see if the individual got their loan on my name/social. I told them by then its too late the fraudster would have the money. They stated until the loan is approved they cant do nothing. I told them to stop the application its fraud. They refused. Also this bank is listed twice on my report with two different branch addresses. They confirmed they own both branches. My credit report show two different accounts attempting to open by both of their branches.
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02/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
I have a payment due the XXXX of each month. Next payment was due on XX/XX/2021. I called and made the payment on XX/XX/2021. This was a regular payment, NOT an extra or interest only payment. I made sure the rep I spoke with was aware of that, she confirmed it. They took the payment which reflects in my history. However for the 2nd time in 3 months with this company ( first XXXX XXXX ), they didn't apply the payment correctly and now say I still owe my XX/XX/XXXX payment, even though it shows in their payment history. When I call customer service, nobody knows how to correct the problem and I just get transferred indefinitely. They also refuse to let you speak with a manager or somebody who can correct the issue.
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07/08/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
I have been receiving collections calls from Lending Club when my account is current. They always start by saying my account is current but I'm delinquent for my XXXX payment which makes zero sense. After a few moments they realize I was loaded into their dialer in error and that my account is current. I ask to speak to a manager to have this resolved and I have simply been hung up on. I am now worried I will be reported negatively for this debt that is indeed being paid on time. The collections department has shown no concern with my matter once they realize I have no debt to be paid. Nobody will look into why this is happening to me and I simply have the call disconnected every time I ask to speak to a manager,
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08/28/2019 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Servicemember |
On XX/XX/28 I looked at a personal line from XXXX XXXX and got an approval from them. When got the final payment after I accepted it was much higher than was offered. I called the company to withdraw and the department that closes accounts was extremely unprofessional and yelled and screamed.
After realizing that I had set up my personal checking I had to close my accounts. Stop pay on several payments, freeze my credit with the 3 major credit bureaus and have a fraud lock on all accounts and personal as number. This is absolutely predatory lending and could harm most consumers.
I have called 15 times to speak to a supervisor and the laugh or hang up. They wont send a withdrawal letter via email Please help
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11/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
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05/28/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
Every month when I called LendingClub to make my payment they don't post the payment with the same day I called to make my payment if the payment is within the cut off time. I submitted plenty of complaints and ni one called me or sending a resolution of the complaint. O letter no calls. Nothing.
Recently i called and they advised me that i have a payment that was applied to principal because I paid before the due date. I request the payment to be reversed and apply the payment to the current month but they advised they are not able to do that.
Also because of the poor customer service asked for a supervisor and they informed there is no Supervisors available. This is no the first time this happened.
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06/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft LENDING CLUB Account Number : XXXX**** This is not mine.
2. Identity Theft XXXX Account Number : XXXX**** This is not mine.
3. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.
4. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.
5. Identity ThefXXXX XXXX XXXX XXXX Account Number : 23** This is not mine.
6. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.
7. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.
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04/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
On XX/XX/XXXX, I refinanced my XXXX XXXX XXXX with XXXX XXXX. XXXX XXXX paid off my existing car loan to Lending Club. As of today, XX/XX/XXXX, XXXX XXXX has yet to receive the title. Because of this XXXX XXXX can't list itself as the Lien Holder on the title.
According to XXXX XXXX, they contacted Lending Club 3 weeks ago and were told that it would be sent. I called two weeks ago and was told to give it more time. On XX/XX/XXXX, I was told to allow for 7 to 10 days. This loan was paid off in XX/XX/XXXX, and the title still has not been sent four months later.
Now I am attempting to sell the car and can't because XXXX XXXX can't release a loan on a title that they are not listed as a Lien Holder.
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12/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
The Comments in the REMARKS Section Placed by Lending Club on my Credit Report are Wrong and Inaccurate and Need to Be Removed.
Please Remove : PAYMENT MADE AFTER CHARGE OFF/COLLECTIONS PAID PROFIT AND LOSS.
1. My Acct WAS NOT CHARGED OFF OR SENT TO COLLECTIONS. PAID PROFIT AND LOSS.
2. I AM ACCUSING LENDING CLUB OF DELIBERATELY AND PURPOSELY GIVING ME WRONG/INCORRECT INFORMATION ON OUR RECORDED PHONE CONVERSATION ON XXXX XXXX.
I WAS TOLD BY 2 EMPLOYEES THE COMMENTS ON THE REMARKS SECTION OF MY CREDIT REPORT WILL BE REMOVED BECAUSE MY ACCT HAD NOT YET BEEN CHARGED OFF.
3. PLEASE REMOVE ALL COMMENTS IN REMARKS SECTION.
4. PLEASE LISTEN TO VOICE RECORDING OF CONVERSATION ON XX/XX/XXXX.
THANK YOU
|
03/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
On XXXX XXXX Lending Club cashed a check in the amount of {$10000.00} that was marked clearly with our account number and intended to payoff our loan with Lending Club. Our account has never been credited. We have contacted Lending Club over a dozen times in an attempt to resolve this. We continue paying our monthly payment and our payoff amount is now down to {$8300.00} and are owed the difference. Lending Club promises to call us back but never does. ( Three separate occasions have promised to call us the next day ). We have offered to provide the cancel check and supporting documents but Lending Club refuses to assist us. We are making this complaint XXXX XXXX because we do not know what to do.
|
04/25/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
My mother called lending club because they needed to verify some info before finalizing the loan. When a representative answered I asked her if there was someone who spoke Spanish for mother. The representative said no and then I explained that my mother does n't speak English and if I could translate for her. The agent went on to explain that she only needed to ask some questions in English. I then proceeded to tell her how could a company have no one that speaks Spanish for non English speaking people. And that no where online or in the loan process says that English must be spoken for the loan. I went on to explain to her that the company was being Biased to my mother for not speaking English.
|
08/10/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
I ask for deferral for my loan due to covid 19 in XX/XX/2020 lending club granted my request and deferred my loan for the month of XXXX and the month of XX/XX/2020. My automatic payments started back up in the month of XX/XX/2020 on XXXX XXXX a payment went through, XX/XX/2020 a payment went through, XX/XX/2020 a payment went through and every month since XXXX i get a letter saying I'm delinquent in making my payments. and I'm getting a hit to my credit report.
I'm up to date with my payments and they should stop the attempt to collect a debt mail and phone calls.And lending Club need to fix my Credit report.
I spoke to an XXXX and was cut off then I spoke to XXXX today XX/XX/2020 XXXX
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11/06/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
On XX/XX/XXXX, I submitted to the CFPB claim XXXX. In this claim, I reported that Lending Club had proceeded to ACH debit my checking account despite rescinding authorization to do so. On that same call with Lending Club on XX/XX/XXXX, and on previous calls, I requested information regarding COVID relief for payment delay or changes. I was told by the associate and her supervisor that no such options were available through Lending Club. On XX/XX/XXXX, I called Lending Club again to request information on options for changing payment amounts or delaying payments. On this call, the associate said that yes, it was possible to change payment schedules and offered several different options.
|
12/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
I was unable to make payments to Lending Club because I am XXXX. I spoke with them 2 months ago to stop automatic payments from my bank account. The first payment was stopped. Unfortunately, the second payment was taken from my bank account. I called them XX/XX/XXXX and told them that they took an unauthorized payment from my account. They apologized and said that the money would be returned 5 to 7 business days later. I still have not received my payment reversal. I spoke to them XX/XX/XXXX and they told me it would be in my account by today, XX/XX/XXXX. The payment is not there. I called them back today and they told me that the payment would be in my account by the end of the week.
|
07/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
On XX/XX/XXXX I disputed an account on my credit report. I aso requested a verification with my signature from the reportig company. After 30 days the account was not marked as disputed, and tey had not provided me with sufficient verification of the account. A statement is not proof, as has been shown several times. On XX/XX/XXXX I notify them that the verification of the account is not sufficient. On XX/XX/XXXX I notify them of the failure to mark my account as disputed and the breach of FCRA. The company still has n't marked the account as disputed, instead they closed it and reported derogatory statuses on my report. This is completely unacceptable to treat consumers in this way
|
12/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
I received a credit card in the mail from Lending Club bank. Immediately contacted them to let me know that I didnt authorize this account and to close and report the card to their fraud department. Customer service also stated that she would send me a letter of our conversation and that the account would be closed. On XX/XX/11 I received a statement of the same account and contacted them again and they said the account was flagged but closed. I urge them to close this account because I did not authorize this account and they claim they are waiting for the fraud department to close the account. I have not received a letter from Lending club informing me that the account was closed.
|
04/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
On XX/XX/2021 the loans ( 2 of them ) were paid in full. The online account reflects this as paid and customer service also confirms this. The full balance of the loans still appear on all 3 credit reports as of XX/XX/2021. The credit bureaus have confirmed the last time Lendingclub reported was XX/XX/2021. When I spoke with XXXX on XX/XX/2021 he confirmed they normally don't report the paid in full balance once paid off. I have to submit a request to have the company report the {$0.00} balance to the bureaus. I do believe federal law requires the loan company to report correctly once paid. They are refusing to do so. I now have close to XXXX sitting on my credit that I do not owe.
|
02/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
I was lied to by lending club, i borrowed XXXX, XXXX from them to pay my credit cards off. They took out the fee which i understood, but the problem was, they deducted XXXX every month for 3 months, and it is still XXXX that i owe. How is it that i still owe that much when they have been taking {$180.00} for the last 3 months. Either they lied, or they never told about any hidden fees. I want this resolved. I try to talk to them about it and they came up with some poor excuse, about it should go down by XXXX of this year. They took advantage of of me and i want my hiddens fees they took out back. I hope you can resolved this issue. These people are deceivers. Can you please help?
|
07/19/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
I applied for a lending club loan on XXXX XXXX. Lending club advertises a start to finish application process of seven days. After 8 days, no documents have been reviewed so I contacted customer service. Customer service advised me that the process will actually take up to 30 days to complete. I feel that Lending club used Unfair Deceptive and Abusive Acts or Practices in their marketing of this loan. Had I known the process would take a month and not a week I definitely would not have user their service. I would have gone to my bank instead. This has put me in a pinch and I definitely feel that this constitute a bait and switch. I ask for your help in remedying the situation.
|
08/14/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
In XX/XX/2020 I paid off my loan ( account # XXXX ) early. After my payment went through I closed the bank account that I had auto payments set up through as I only used the account for this loan. I later received notice that I was owed a {$68.00} origination fee refund. This refund was sent to my closed account and as a result I didnt receive the refund. Since then I have called in several times to get a refund check issued, every time I was told a request was submitted, but I have yet to receive anything. I know that the first day I called about this I was told that my previous address was on file, but that if I updated it the check would be sent to my current address.
|
11/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
In XX/XX/2018 I found out that there was a joint account opened by ex-husband under my name without my consent or any signature obtained by me for {$30000.00}. During divorce proceedings, my ex-husband signed legal documents taking full responsibility for payment of the loan and he had stated that after speaking with the loan company they informed him that after a couple of months of monthly payments my name will be removed. My name was not removed and Lending Club Co is contacting me for payment of a loan that was fraudulently opened under my name using my personal information. I am baffled that a loan for that amount can be opened without my consent or any signature.
|
11/01/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
I kept getting preapproved offers through mail and email. It was based on my credit. I applied for XXXX dollars on XX/XX/XXXX. My payments were {$200.00} monthly, at an annual percentage rate of 32.77 % for 36 months. I needed it for emergency cost for my XXXX year old so I took it. I were making my payments and paid a total of 7 to 8 payments. I ran into hardship and needed a better payment plan so I wouldnt get further behind. I called and was told that a payment wasnt an option. I sent emails but no response and I still owe XXXX. I dont know when it was charged but it is now. My last received payment to them was XX/XX/XXXX. Principal paid on the loan is {$800.00}.
|
10/26/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
I have had this loan for over five ( 5 ) years and have consistently made my payment of {$690.00} on time. Due to COVID 19 i was laid off from my jod since XXXX and have not received any unemployment insurance payments though i applied. The Lending clum put me on a payment plan where i was paying {$130.00} each month. i have been paying it. The XXXX payment they said was made one ( 1 ) day over the grace period hence i miust pay the full payment. I can not make the full payment and i told them that. I asked for a supervisor and was told one would call and no one has called except customer service asking for money and threatening to report negative to credit bureau.
|
04/24/2019 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
I contacted the company on XX/XX/2018 via certified mail and requested my signature as proof of contractual obligation to pay debt. Company sent me back on online printout/statement.
On XX/XX/2018 I again sent them a request via certified mail stating : I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. The company again told me the debt was verified with no proof of signature or any response as to who verified the debt. Nothing as of yet from company and they are still reporting the debt negatively on all credit reports. stating I owe {$14000.00}
|
02/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed.
LENDING CLUB CORP XXXX LENDING CLUB CORP XXXX I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are claiming this fraudulent account is mine. I have never had any goods or services with them or them they are knowingly and willingly reporting this fraud. They are also aware that my banking account was comprised and it was close due to fraud. They have caused me great damage and embarrassment also with emotional distress.
|
12/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
I was on a deferment plan because if covid 19- i was reported as being on the plan on credit report with all payments on time. All of the sudden now they reported late payments 2 times this year. I have tried my best to call them and explain and ask for help.i also made all if my payments as they asked me to eventhough i was unemployed, just to keep my credit clean. I need someone to help remove the lates because i feel i have been wronged. I have called them consistently to make sure whatever they tell me to do will keep my credit clean - whatever they tell me i would do as far as minimum payments to keep report clean until i regain employment. Please help.
|
01/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
While reviewing my free annual credit reports from XXXX, XXXX, and XXXX, I noticed an open account with Lending Club from XX/XX/2018 that I never applied for or requested with a limit of {$8000.00} that have not been used. I am not sure if this is an error or a fraudulent transaction, but I also noted there were hard and soft inquiries from the same company on the day the account was opened, XX/XX/XXXX of 2018. The information listed on the XXXX credit report is " XXXX/LENDING CLUB '' and account number " XXXX. '' I have no other information regarding this account because I have never received anything in the mail to my physical address or through my email.
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01/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
I have 3 accounts that I paid off in settlements that are still showing negative on my credit report. 1 lending club account which I paid off in the amount of for {$2000.00} ( paid off XX/XX/XXXX ) and is showing election of remedy and hurting my credit score. 2nd lending club account which I paid off for {$2100.00} ( paid off XX/XX/XXXX ) showing purchased by another lender. 3rd account is XXXX, which I paid off in the amount of {$630.00} ( paid off XX/XX/XXXX ) and is showing election of remedy. I wish to have all these accounts removed from my credit report since I have paid all of them and the companies refuse to remove them after I have contacted them.
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01/07/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
THIS IS NOT A DULICATE COMPLAINT BUT XXXX REACHED OUT FOR COVID RELATED HARDSHIP ON XX/XX/XXXX WAS PROVIDED INTREST EXT ON LOAN ENDING XXXX//XXXX SAID CALL BACK ON XX/XX/XXXX AND WILL GET ASSISTANCE THE SAME ON LOANXXXX .CALLED TODAY WITH XX/XX/XXXX @ LENDING CLUB GOT NO SATISFACTION / NO ASSISTANCE/ REQUESTED ESCALATE I HAVE TAKEN XXXX PAY CUT AND TAKEN IN 2 DEPENDENTS WITHOUT BENEFIT OF SUPPORT /CALLED AGAIN REP OFFERES PLACE IN A MODIFICATION WITH NEARLY SAME PAYMENT!!! I HAVE TAKEN A XXXX YEAR PAY CUT DUE TO COVID AND TAKEN BACK 2 DEPENDENTS DUE TO COVISD WITHOUT BENEFIT OF SUPPORT DUE TO COVID, NO ONE WILL GET PAID IF THIS IS THE WAY THEY PLAYING IT
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04/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
It was too easy to get a loan that I did not want. I clicked a button and suddenly I had a loan, I was only shopping for rates. Now, they sent the money to my creditors and I have to chase around to get the money back even though they say I have 5 days I was told it was too late on the day I was notified it was send. So shady, it seemed like I was just checking rates but now I have to get the money back. Furious!
I keep asking them to remove the funds from my account and they don't. They are waiting for the time period to lapse so they can charge me the origination fee which is not fair as I am trying to return all their moneys back prior to XX/XX/XXXX.
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10/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American |
I have called and attempted to get the problem resolved apparently my monthly payment for XXXX was received and deposited for {$700.00} on the XXXX of XXXX which the Customer Service representative noted on their computer. The payment was due on the XXXX of each month but in XXXX I had reached out to Lending Club and requested that the due date should be changed to the XXXX of each month which they were acceptable of this new due date. I keep receiving emails letting me know that my XXXX payment has not been received. Their payment history also has the payment recorded as being received but yet I keep receiving late payment notifications. My loan # XXXX
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01/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
10/19/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
I applied for loan for XXXX 60 months payment. And then, covid started I applied for payment deferrals for 3 months and i talked to 2 agents saying that theres no extra interest, and i would just pay my extra payments at the of the term. And then upon checking, i saw that they increased my term for 73 months and i called them regarding about it and they said that it accumulated onto my interest when i was in my deferred payment. So where did they get my extra 13 months to pay for them when i just been in deferred payment in 3 months. I was talking to their agent earlier and she keeps saying that because of my deferred payment it went up to like that!
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11/04/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that LENDING CLUB has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
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09/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
I gave Lending Club, per another CFPB Complaint in XXXX ( which they failed to respond ), my Schedule of Creditors per my bankruptcy in XX/XX/2018 which shows that my Lending Club Corp., was indeed included, and discharged, in bankruptcy.
Yesterday, Lending Club incorrectly reported the account as a charge-off to XXXX XXXX contrary to my court-ordered discharge I submitted online to them through the CFPB website.
Please review the attached court documents and the excerpt from my XXXX credit report via XXXX XXXX showing the Lending Club account incorrectly changed to, and reported as, a charge-off to my detriment as of yesterday.
Please assist!
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07/28/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
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11/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
Lending club has reported 5 late payments on my account that are incorrect. I went through a divorce in XX/XX/XXXX and lost access to all of my bank accounts. During this time I was in contact with lending club and established a payment plan to get on track. I did not miss the payments they have reported on my credit report which they allege is from XXXX XXXX XX/XX/XXXX. This is not the first time this has happened, I had a similiar issue with them when I switched a payment date and they dinged my credit for the payment being late in XXXX XXXX. It took me months of calling and sending them letters for them to finally remove the late report error.
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02/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
I have three loans with lendingclub.com. I had been making regular on-time payments until XX/XX/2022 when due to XXXX I hit a snag. I called Lendingclub.com and was able to cancel my autopay set up with them and set up a deferred interest only payment plan on 1 account. On XX/XX/XXXX, lendingclub.com automatically took out a loan payment. The same day I called them to again revoke my authorization for them to auto debit my account. Since then, they have attempted to debit my account twice ( once successfully ) without my authorization. They are stealing my money and are breaching their own contract and provisions with auto debit authorization.
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07/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
lending club is reporting false and innaccurate date to my credit report. on my credit report they are appearing as a loan with late payments and a loan that needs repaid with a {$20000.00} balance. First of all I NEVER OPENED THIS LOAN IN XXXX. This is a FRUAD account that was opened by someone who stole my identity. I never recieved any money from lending club, I never applied for a loan with lending club and I am DEMANDING LENDING CLUB REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT FILE IMMEDIATLY. I AM ALSO DEMANDING LENDING CLUB STOP REPORTING THIS TO THE CREDIT AGENCIES. REMOVE THIS ACCOUNT FROM MY NAME AND SOCIAL SECURITY NUMBER IMMEDIATLY.
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08/15/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
My Lending club loan is due on the XXXX of every month. I paid the loan in XXXX installments during the month of XXXX. Lending club said I owed them money because my payment was not paid in full. I called Lending Club and they stated since the loan was in two payments and before the due date they applied the earlier payment to the principal. Lending Club stated that they could not reverse the payment and now I had to pay the balance from the previous month as well as the current balance. I asked if the had any payment plans and Lending Club stated they could not provide me with any payment arrangements and {$480.00} will be due on XXXX XXXX.
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07/16/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
I gave XXXX my schedule of creditors per my bankruptcy in XXXX/XXXX 2018 and an entry, Lending Club Corp., was corrected to show that it was indeed included in bankruptcy. Per a dispute a credit repair company submitted on my behalf, XXXX changed it yesterday, incorrectly, to a charge-off, with a late payment date as this month- contrary to my court-ordered discharge! I tried to submit online to XXXX, it would not let me. Please review the attached court documents and the excerpt from my XXXX credit report showing it correctly in XXXX with the second page from yesterday changed incorrectly to my detriment to a late payment. Please assist!
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05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
Lending Club never reports accurate information. The balance is only updated every couple of months. Then when they do it is always incorrect.
I called Lending Club and asked for the correct balance to be updated. No help. I asked for a supervisor. After being disconnected 3 and being told to call back due to system issues I was transferred to a supervisor who supposedly sent the request out. A couple of days later I received an email telling me nothing would be done. Through the whole process there was no willingness to send the correct balance to all 3 credit reporting agencies. Right now I have a {$0.00} balance. I paid off the loan!
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10/13/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
Servicemember |
I applied for a personal loan through Lending Club and received an email stating I was not approved on the XXXX XXXX XXXX. On XXXX XXXX I noticed that my XXXX XXXX XXXX XXXX account had an additional XXXX. I checked my email again, and on the same day Lending Club approved my loan. I called them immediately and informed them that I did not want the loan and was informed that I had to pay it back and the interest which included a XXXX fee. If you would look at the document, the email states pre-approved to not approved on the same day. After, the denial I assumed the loan process was invalid yet, the deposited the money into my account.
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06/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
I've been charged with borrowing money from the Lending Club on 3 separate occasions, and I haven't borrowed from them on any occasion.
First Loan {$8000.00} Opened XXXX XXXX Closed XXXX XXXX Paid as Promised 2nd Loan XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX Paid as Promised 3rd Loan XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX Charge Off I've explained in 2 letters that none of the accounts belong to me, I've ask them to send me proof of ownership, and they have not answered any of my letters, They have sold the account to two other companies since then, I've ask them for the same information and they refuse to answer my letters.
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01/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
On XX/XX/2021 I closed my account with lending clubXXXX XXXX However I had a {$500.00} transfer from my XXXX account going into this account According to XXXX XXXX they said they would reject my funds and it would be going back into my XXXX account. I have filed a case with XXXX and XXXX bank and both banks claim they dont have my {$500.00} transfer which shows it left XXXX XXXX into XXXX but no where to be found I provided XXXX XXXX with a Web ID number XXXX It was transferred over to XXXX XXXX account XXXX There is no way two major banks lose {$500.00} I need this investigated immediately and my {$500.00} returned
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03/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
i see i have 3 hard inquiries for credit. 3 are from XXXX XXXX, another that just showed up whith XXXX just recently and 1 with a personal loan. i keep track of my credit as i'm trying to get it up where it belongs. something is seriously wrong when someone can get your info n apply for loans n it shows on your report. as of now i have fair to good credit. but i tried getting these fraudulent inquiries n have no way of removing them. also when you are told it will be a soft pull some companies do a hard pull trying to get you into a hi interest loan which i will not do. i can go to my own bank n get what i need for credit.
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11/18/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
As I said, Lending Club is reporting inaccurate information on my credit report and just admitted it directly. According to their reporting to the credit bureaus, the alleged agreed on monthly payment amount is {$43.00} and now they are saying that it is {$43.00} and that IS NOT what is being reported on my credit report. And again, this amount DOES NOT add up to the amount they are alleging. It 's just simple math and it STILL is coming back as verified even thought it does not add up. THIS INFORMATION IS INACCURATE AND SHOULD BE DELETED. And I ca n't log in and check anything because I do n't HAVE an account with you.
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04/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
I have a loan with lending club and have been paying on it regularly on time and I have had open since XX/XX/2016. I had automatic payments set up on this account since starting. In XXXX I received notice that my account was more than 90 days late. I made contact with Lending Club and they apologize for the error only to report me late AGAIN in the XXXX when my account is current, showing me 120 days late. I have spoken with multiple representatives who have all given me different answer to when this issue will be fixed and also were very rude and disrespectful. I will also be submitting a compliant with the XXXX.
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08/05/2020 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
XXXX payment was missed on its autodraft date and a retry payment was made before the 15 day grace period expired. Two bank statements and the trace number to prove this have been provided. I have spoken with possibly 20 people since XXXX all of whom have said they would escalate the issue, who said they see the problem because there was a change over in systems and my XXXX payment did not post appropriately to my account. The result has been constant rollover and over 4 months of phone calls. While the front line account reps have tried to help, each and every attempt at an escalation to a supervisor has failed.
|
01/27/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
Lending Club Bank is attempting to collect an alleged debt that is unvalidated pursuant to 15 USC 1692g, furthermore Lending Club bank gave me no notice of my right to dispute the alleged debt pursuant to 15 USC 1692g ( XXXX ). I am the consumer and the only one that can validated my obligation to any alleged debt pursuant to 15 USC 1692g. I have request that Lending Club Bank cease and desist all communications with me in relation to the alleged debt pursuant to 15 USC 1692c ( c ). I also request that the name and address of the original creditor to whom the alleged debt is owed pursuant to 15 USC 1692g ( b )
|
12/09/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Older American, Servicemember |
I tried to open a high yield savings account advertising .60 % interest. Confirmed via phone call that account could be used for a partnership. Filled out forms and provided ACH transfer details to fund account with {$100.00} which was transferred from my bank account to LendingClub Bank. After the {$100.00} was received by LendingClub Bank they informed me that partnerships could not use a high yield account and that instead they had opened a basic savings account paying .01 % intertest. I requested they close the account and return the {$100.00}. They closed the account but have refused to refund my deposit.
|
06/19/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
My due date is the XXXX of each month. On the XXXX, funds are auto-drafted from my checking account. I would like to make payments earlier ( 1-3 weeks earlier each month ) when I have the money available. I would rather make my payment on the loan where I am being charged interest than to have the money sitting in my account earning 0 % interest. Lending Club refuses to allow me to make payments before the due date. They would like to earn extra interest by forcing me to not make payments early. They told me that if I made a payment today ( 3 weeks early ), they would take out a full payment again on the XXXX.
|
06/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
Will I was hit with a 30 day late payment that was Inaccurate and false I was never aware or no phone call or Letter sent out to me about this 30 day late payment. I talk to some on XX/XX/2021 Name XXXX from Customer for help to get this removed from credit report she was no Help at all I let here know i was Effective bye COVID -19 And did No I had a 30 day pass do payment. This has put me in a hardship on my credit report this False and Miss Leading or Fraudulent Reporting on my credit Report. The amount that was past do was XXXX and its all paid up. Also there Payment policies miss leading and miss guiding.
|
08/30/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
Refer to my complaint number XXXX.
Reason I am sending this contact, and I ca n't determine what my password is so did not contact using that, is that Lending Club will utilize the delay, caused by their refusal to take my payments and insistence that we essentially set up a dishonest representation for their record as to call in payments being purportedly efforts by them to collect on a debt when they are in fact efforts by me to make regular monthly payments, as an excuse to bill me a late fee. So this delay caused by them is to enable them to bill a late fee. Please keep that in mind in addressing this.
|
05/08/2020 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
My loan with Lending Club was paid in full in XX/XX/XXXX. I applied for an auto loan in XX/XX/XXXX and the dealership brought it to my attention that I had a negative account reflecting on my report. I reached out to Lending Club and was told that it was showing a {$0.00} balance on their end and they would take care of it so that it would correctly reflect on my credit report. I was told to give it 30 days and it should no longer report incorrectly. I pulled my credit report today and to my surprise, Lending Club is still negatively reporting on my credit report. At this time, this is truly hindering me.
|
02/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
i received a collection letter stating i owed to a lending company i did not open an account at. There are 2 accounts open under my name with my information, however the email is not mine. I never open these accounts. I contacted the lending company and they would not give me any information stating they would mark these fraudulent. I received the letters from the lending company showing they charges off the accounts which where open as deposit accounts. One for {$1900.00} and one for {$100.00}. They said i need to file a complaint here and with my local police department. These were not opened by me.
|
12/08/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
I opened a High-Yield Savings account on XXXX XXXX, at Lending Club Bank ( formally XXXX XXXX ) with a deposit of {$5000.00}. Made another deposit a couple days latter. One deposit was returned. They froze the other one. I have been in touch with them regularly trying to get my money back .On XX/XX/XXXX I received a call from someone named XXXX XXXX. He told me the money had been returned to my checking account at XXXX XXXX XXXX XXXX, they never received it. Lending Club has been unable to give me a tracking number or find out what happened to my money. The Lending Club File # XXXX Please Help Me!
|
05/17/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
On at least 3 occasions, there was XXXX unauthorized payment scheduled in addition to the single authorized payment by a phone representative. Each time it has required intervention to cancel the additional payment not authorized. Recently, a second unauthorized payment was withdrawn without consent, even after a call to cancel the duplicate was made prior the phone payment request which would have indicated that the unauthorized payment was still pending, and the representative ignored this fact, and scheduled the ( new ) duplicate anyway, causing a double withdraw and serious financial hardship.
|
03/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
On XX/XX/2018 a credit card was opened using my information that I was not aware of, and I have provided proof that this card is not mine, and XXXX XXXX has ignored any attempt that I have made to rectify the problem, the debt is for {$14000.00}. I have been a victim of identity theft for years, and have ask that I be contacted before opening up new accounts and they did not inform me that this account was opened. The account number listed on my credit report is XXXX. Please have them remove this fraudulent information from my credit report immediately, they are not following the FCRA guidelines.
|
05/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
I was late on my account with Lending Club and we re-financed my house and I paid the account in full. They the went and charged off my account the same month I paid it in full. This is legally not allowed you have to be 6 months late before you can legally charge off an account. I am asking for them to update my account and remove the word charged off. Not right at all. In all honesty yes I was late and I did pay it in full as soon as I refinanced my house and even reached out to them to get payoff amounts to do so. They knew exactly what they were doing. Bad business practice.
Thank you XXXX
|
01/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
I am beyond frustration! I made a payment on XX/XX/XXXX which they didn't post until XX/XX/XXXX .. I made 2 payments on XX/XX/XXXX one for {$1000.00} and one for {$1000.00} .... they failed to post one until XX/XX/XXXX and the other wasn't posted until XX/XX/XXXX and for the incorrect amount ( they posted it for {$1000.00} instead of {$1000.00} ) I have been on the phone with them every other day or so ... promised call backs that never happen ... have yet to receive any written acknowledgement of their errors .. despite numerous letters, calls and emails! This company needs to be shut down!
|
02/04/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
I attempted to contact Lending Club using the provided email addresses. I wished to pay off my business loan. The website allows you to make withdrawal requests. But you can not pay your loan online. The loan note has a paragraph which provides a mailing address to pay your loan. I sent payment, but it was never processed. The note payments are automatically taken from my checking account each month. Essentially, you can make withdrawals, but you can not pay off the note. Lending Club does not answer any communication by email even though their website lists XXXX different wmail addresses.
|
11/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
I have been striving to resolve a matter with Lending Club for weeks! Lending Club does not respond to previously filed CFPB complaints ; Lending Club does not respond to emails ; Lending Club calls me during business hours when I can not answer and hangs up without leaving a message upwards of 6 times per day. I finally answered today and they claimed to be trying to collect a payment I have already made. I want this matter resolved. Lending Club has proven that the customer does not matter. Lending Club changes what it tells the customer to benefit Lending Club and to hurt the customer.
|
04/07/2017 |
No |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
Lender was unable to explain how their APR ( Annual Percentage Rate ) was calculated on my new loan. The Lender 's website Help section does not provide this information so I contacted customer service. When speaking to two levels of customer service, agents did not completely understand what APR was ( and how it differed from the loan interest rate ) nor what calculation I was requesting. After approximately twenty minutes, I was ultimately told, " We are not qualified to give you that calculation '' and " We do not have that information and there is no one we know of here that would. ''
|
07/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
I am a victim of identity theft. The companies XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LENDING CLUB CORPORATE, all claim to have miss placed or have not received my FTC report after being sent though fax and mail several times. The accounts are still on my report and affecting my progress of purchasing a home for my family. I am XXXX and XXXX by the lack of empathy with each representative I have spoken to. They either transfer me five or six times, give me other numbers to call and act as if they are not able to assist even when the fraud department handle fraud claims.
|
08/30/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
Lending Club repeatly has denied my applications for debt consolidation loans over the past 4 years, and yet they keep sending me invitations to apply, with a pre-approved amount of up to {$35000.00} or {$40000.00}.
Despite the facts that I have an excellent repayment history and a good credit score, they continually deny my applications due to debt-to-income ratio and excessive debt.
Is n't that why they sent me the invitation in the first place, so I could consolidate those debts?!?!?!?!?!?
They know darn well what my credit score and income are.
This deceptive practice must stop.
|
02/19/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
I change my due date from the XXXX to the XXXX and discontinue my automatic payments. After this was done I have been experience problems with the company every since. Lending Club want me to call in every month to arrange electronic payments from my checking account and will not allow me to pay on my account electronically myself through my bank or on their website before the due date. The month of XXXX my due date was change to the XXXX of the month and I did not change my due date. No electronic statements are sent out or email to the customer showing their payments or balance due.
|
12/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
My exhusband skipped out on a debt in my name that he was ordered to pay in then divorce decree. I set up interest only payments but they tried to debit his account instead of mine and it was blocked and then they wouldnt let me reinstate. Im currently having to pay the loan but it has fallen behind due to these extenuating circumstances. The day after they receive a payment from me they start calling me at all hours of the day. Ive had calls before XXXX XXXX and after XXXX XXXX on the same day. I get no less than 3 calls a day and thats a slow day. It is harassment plain and simple.
|
01/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). is a inaccurate account on my credit file and is not mine.
|
05/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
In XX/XX/2019 I instructed rep from company by phone conversation to cancel scheduled automatic payment withdrawal for XX/XX/2019 from my checking account. The rep said she would do that and added that my automatic payments were turned off. I told the rep I would call back with date for withdrawal of payment.
On XX/XX/2019 Lending Club withdrew from my account two payments totaling XXXX causing my account to go negative and adding bank fees for other overdrafts caused by this.
Note : the company records all conversations but refused to play conversation to me when I complained.
|
03/13/2019 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
I was accepted for a loan in XX/XX/2018 for XXXX $ We have made 4 payments so far. We were told the interest would be 24 % and now its 34 %. We were told we could make payments online. We have never been able to pay online and have screen shots showing its broke. Each month on the XXXX we must call Lending Club to process the payment. If we do not call on that day they charge a late fee. We want to pay off the loan and or move it but now they are saying we owe XXXX $ to pay it off!!!! We want out of the loan and feel we should not be penalized to pay it off.
please please help!!
|
07/10/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
I received an initial demand letter XX/XX/18 from XXXX XXXX XXXX. They had already begun calling me on XX/XX/18 before i had ever received their letter. Had i known what this was pertaining to i would have advised them it was not my debt. They were threatening and rude. Someone else used my social security number to obtain this loan. They called my parents and they were harassing and threatening. I do not owe this debt and I requested well communication be written through their website. I submitted in writing through there website a dispute. I expect this matter to be resolved.
|
12/21/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
After reviewing my Note, confirming that my loan accrues interest daily, On XX/XX/2018, I attempted to make my monthly payment prior to the due date, to save interest. There is not a way to accomplish this on the website. So I sent an inquiry to the company via electronic message, asking them if I could make my monthly payment prior to due date. They explained that I can not make my payment before the due date. I have to wait for the payment to be drafted on the due date, but I could make an additional payment that would apply only to principal to help pay my loan off sooner.
|
09/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
I have tried for several months to correct this matter with Lending Club to no avail. Lending club reports two loan accounts on my XXXX report with nearly the same balance. These are duplicate accounts and one of them should be removed from my XXXX report.
This uncorrected errors presents a hardship to me because it shows that my overall debt is significantly more than what it is. I have tried reaching out to lending club directly for at least 4 times. This has been going on for at least 5 months, but I am told the matter will be corrected in 30 days, but it not corrected.
|
02/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
{$15000.00} XX/XX/2020 ( around ) My Wife/I originally did business with this company and took out a personal loan, that I paid off in full. I never applied nor requested a second loan.
My Spouse, later reapplied with the company, on her own. However, Lendingclub took It upon themselves to use previous loan information including me in the loan, without my consent, After we both contacted the company to tell them this was not the case, the person told us that it was too late the loan was funded in both of our names, every chance to correct the problem, was shot down.
|
05/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
I went delinquent on a loan with lending club. I negotiated to pay the debt. Before I paid the debt : a representative from lending club told me that once I paid that debt, it would be considered paid in full and removed completely from all credit report one p ayment was processed on their end. I have completed the payment, yet it is still report on my credit report as of yesterday [ XXXX / XXXX / XXXX ] I request all trade lines be removed all credit reporting agencies Lending Club Loan # - XXXX Date of Birth - XXXX / XXXX / XXXX Social Security Number - XXXX
|
10/05/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
After I filed a complaint with the Consumer Financial Protection Bureau, ( please reference case number : XXXX XXXX ) Springstone/Lending Club finally agreed that just as with over XXXX of their other mislead customers, they were indeed wrong when they added Finance Charges and Late Fees to my account, and I am pleased that they finally agreed to credit these charges back to my account.
However, as the attached documentation will show, Springstone/LendingClub 's inappropriate actions during this dispute have resulted in serious damage to my credit report and score!
|
08/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
XXXX continues to violate FCRA laws.
I have requested multiple times to provide proof of two accounts in question ; XXXX and Lending Club, and XXXX only replies that these creditors confirmed the accounts.
They never provide any proof, and continue to report negative information on my report without any proof. The creditors never provide proof either. XXXX, XXXX and Lending Club are all violating the FCRA.
Unverifiable information must be removed or corrected, usually within 30 days. FCRA 623 ( b ) ( 1 ).
These companies also violate 15 U.S. Code 1681s2.
|
10/11/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
I engaged with a debt consolidation company effective XX/XX/XXXX. " The Lending Club '' who herewith in isthmus party whom the complaint is about, was made aware of this transaction by phonE, then via e-mail, then by the company at least twice and provided a copy of my authorization to speak to the debt consolidation company, XXXX XXXX XXXX. In addition, they were given ease and desist letters.
I am still receiving letters threatening my credit and at least 2-3 phone calls each day. My account was NEVER late with them and has been in existence since XX/XX/XXXX.
|
01/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
Lending Club keeps reporting incorrect information about late payments to my credit report. They have a different date for the 30 days late each time I dispute. I provide proof of the on time payments, it gets removed and then a month or so later they are back again reporting incorrect dates. Now they are reporting 2 late payments instead of one. This should be illegal. Its really unethical that the credit bureau companies keep reporting this information even after I show proof the payments were on time. How can someone constantly report false information?
|
06/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
Lending club is currently double reporting my loan to XXXX XXXXeported on XX/XX/2021. The are stating I owe {$18000.00} report date of XX/XX/2021 and {$16000.00} on the same loan number ending in XXXX.
I emailed and I just got off the phone with their customer service representative who stated they are changing banks and would not do anything about correcting the issue. I explained I am applying for apartments and this was increasing my debt and decreasing my debt to income ratio. I asked for a letter stipulating their error and they refused to help me.
|
09/09/2020 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
I made a XXXX over the phone. I was told that was the payoff amount. Looked on line it was asking for {$13.00} dollars more. I paid it because I want to get rid of this company that only care about interest and not the principal. I was told I would receive a letter in my email that the loan was paid off in full within 24 to 48 hours and all three credit bureaus will receive confirmation that the loan was paid off in full. It has now been 72 hours. I just want my letter so I won't have to deal with this Fraud unprofessional money hungry company ever again.
|
04/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
I have tried repeatedly to reach this company as I have three loans in hope of some relief as my two retail shops are closed. I have no income. When I fill out form I get no response and cant get through phone lines. Today I receive this info : They are giving no relief only allow you to use a 15 day grace period. They are reporting to credit bureaus.
XXXX! Make this company offer relief. If my government nails this company y out I will revolt like you have never seen Enough I had good credit before this get no relief for my business was and now this
|
09/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
LendingClu # XXXX is reporting lates on my account that I do not owe in XX/XX/16, XX/XX/16, and XX/XX/16. These payments were being auto drafted at the time and it was the only way available that they had for me to pay them. I called them due to the error as the payments were supposed to be taken out but had payment errors I was never notified up, and the representative I spoke to said they would remove the lates as it was an error on their part. I have never been late on this account other than the failed auto payments and this late was not my fault.
|
06/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I have this accounts that does not belong to me and i want them to be remove from the 3 credit reporting agencies : XXXX 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX Account Number : XXXX This is not mine.
3. Identity Theft LENDCLUBBK Account Number : XXXX This is not mine.
XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
|
12/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
I have reached out to lending club, their attorneys, and collection agencies representing them for this charged off debt that was paid via a settlement. I have disputed this with the credit reporting agencies as well as directly with lending club. At present, this item is reporting as a pay status of derogatory as opposed to paid, even though I have worked extremely hard to pay it off.
Lending Club claims that they are correctly reporting since they " sold '' the debt, regardless, they are still responsible for the proper reporting of the item.
|
03/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
I paid off a XXXX on XX/XX/20. I was told at the time that it takes some days to get it settled on their end and to give it until XX/XX/20. I called today XX/XX/20 and was treated very rude when inquiring about the status. I spoke with XXXX, XXXX, XXXX and XXXX. After speaking with XXXX today who told me it would be more time I asked to.speak to a supervisor. I got XXXX. Not only was her lying to me but he was very rude, got loud and ultimately hung up on me. He would not tell me his last name nor his supervisor. I want all the calls listened to!
|
07/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
This company has been asked several times to provide signed loan documents or other proof of debt. I have sent them notifications and requests and without providing any proof they keep reporting this debt on my credit reports. I am not sure of the amount but they are reporting a charge off. Since they have been unable to provide any valid proof of debt I would like the company to delete this derogatory information from my XXXX, XXXX and XXXX. This has been reported as FTC Identity theft number XXXX and the company has been provided with a copy.
|
08/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
I was trying to refinance my property so I consolidate my bills. Lending Club is showing up on all three Credit Bureau as late but when looking at my payment history on their website there is nothing on there that reflects late. Lending Club automatic pulls the money out of my bank account on the due day, never got a phone call, email, or letter stating I am past due.I also do not see were a late fee was ever charged.
Because of this, it has caused me to be denied credit for inaccurate information and dropped my XXXX score by over XXXX points.
|
07/01/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
I have a loan with lendingclub.com i have moved the payment before to a different date and they charge me extra, i now i have moved the date to a closer date, and they don't want to lower that payment for that moment, this is ok..i have to pay on the XXXX each month, now I move to the XXXX of this on, and is the same amount, should be lower the first month., also i recucest t o lower the interest i see now is to much, and they refuse, what they tell me is to get another loan ... this is right. the interest rate i have is 35.9 % is very high.
|
02/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
i have 2 accounts with lending club and 1 of the accounts i went on default because of covid i informed them of my situation but received no additional help i tried to have them refinance but they refused. On my second loan i have been paying on time every month because is with a co signer and he is the one paying it i have spoken to lending club about my situation and representatives say their is nothing they can do not im getting about 10 calls a day all day long and everyday for the last 2 weeks i feel harassed by them and they dont stop
|
06/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
they keep sending for me loan with fixed payment offer with your rsvp XXXX many times than i said let me try to get loan XXXX for XXXX $ a month but they say sorry your crdit score is XXXX and sorry we cant give to you my score is XXXX and they are scam they dont want to give loan why make for me offer is just discremintions they want to destroy my life for these actions i have house and iam in good to take the loan and they say take XXXX loan iam on ssi XXXX $ i can offered to pay for them why they don.t want to give loan its a game thanks
|
12/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
I am supplying documentation/proof that " LENDINGCLUB '' was paid in full.
Please find a copy of the check made to LendingClub. LendingClub cashed the check on XX/XX/2021.
The amount of the check ( {$2100.00} ) satisfies the amount due at the time which was {$2100.00} ( Credit reporting rounds up to the nearest dollar ).
I also attached a copy of how this LendingClub account is reporting to my credit.
Please rectify the reporting balance to zero OR delete the account entirely. This is a complete error and in violation of FCRA Rights.
|
11/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
I received notice that I am being sued for a debt with Lending Club, closed in 2016. I received a letter from their collection agency XXXX XXXX. I sent a letter disputing the debt dated XX/XX/XXXX. I NEVER received validation of this debt until I received the Summons from the court. I NEVER received ANY information regarding the original creditor from this company, NOR from the attorney 's. The collection agency and the Attorney 's XXXX XXXX XXXX, FAILED to follow the correct protocol before suing me for this debt with the Lending Club.
|
11/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
XX/XX/XXXX I sent in a dispute letter to Lending Club Company and all 3 credit bureaus and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to Lending Club Company and Equifax credit bureau regarding a collection/charge-off that was opened in XXXX. XXXX is still the only credit bureau listed on my credit report while XXXX and XXXX has since deleted this collection/charge-off from my report the first time around. It is well over 30 days again and the account still has hasn't been updated or removed.
|
07/01/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
The company claims no pre payment penalty but if I try to pay my bill early it only goes to the principal and not towards my monthly payment. I have tried to set up bi weekly payments they wont accept them because " we have investors to protect. '' I try to pay on the due date they dont do same day payments and if you call after XXXX it will be processed in 48 hours. Not when I actually made the payment but whenever they choose to apply it. I can't set my payments up online. I have zero control over my own account and how it is re paid.
|
03/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
I have currently been on hold for 1.5 hours trying to pay my bill. I spent the first hour on hold then when someone did answer they said they could not help me but harassed me about contact information for my account which has a Do Not Contact on it which the company continues to violate with mail and emails. I spoke with a supervisor who only just transferred me to another department. Still on hold as I write this. A more convenient way to pay my bill is all I am asking. The customer service reps are rude and the hold times are long.
|
08/27/2019 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
I contacted LendingClub on XX/XX/2019 to communicate to them that due to extended unemployment I was unable to make the XXXX payment in the amount of {$720.00}. They said the best they could do was move the payment to XX/XX/2019. They confirmed that autopay ( bank debit ) was stopped and advised me to call back to have the payment date further extended. I called back on XX/XX/2019. They said the best they could do was stop the autopayment. They confirmed the autopayment was suspended. On XX/XX/2019 they debited my bank account anyway.
|
11/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I fell behind on Lending club account. I understand it is my responsibility to make timely payments. But the reason for this late payment is particular. It was due to the loss of a very close family member. Some of my other creditors were very understanding a choose to not report and retracted their reporting. I was hoping I would be able to get some help.Prior to this was a rated to be a good consumer, with good credit not my credit is under the water do to this late reporting. I have never been late. Always communicated changes etc.
|
08/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
My rights of privacy have been breached and trespassed by this company which is a direct violation of federal law. This company is also in violation of federal law by reporting misleading information on their website without my written consent. This company is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.
|
09/16/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
I paid off the balance of the following accounts, disputed the balances via XXXX and XXXX, and the companies refuse to report a XXXX balance : 1. Lending Club : Paid of entire balance of the loan in the amount of the loan and still report/verify to credit bureaus a balance due ; 2. XXXX XXXX : Paid of entire balance of the loan in the amount of the loan and still report/verify to credit bureaus a balance due ; 3. XXXX/XXXX : Reporting/verifying incorrect balance to credit bureaus ; 4. XXXX XXXX : XXXX XXXX XXXX to credit bureaus.
|
01/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
I called LendingClub today to attempt to change my due as to avoid being internally late. The company agreed to change my due date but then proceeded to tell me that I would have to pay two payments for one mother because its their guidelines and if Im late 28 days or more they would report it to my credit report. This is against FCRA guidelines since they cant report until account is 31 days delinquent. Im aware lending club already violated FTC guidelines but I feel as though they are continuing to violate consumers FCRA rights.
|
03/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
I applied for a loan which was approved through their automated system. Once I applied and provided my documents they stated that my income was too low compared to the requested loan amount. When I called to ask why and what amount of income they decided to use they refused to provide that information. I feel as though they are being discriminatory and denying my the loan. My income matches what I initially requested. I would also like to apply for a lower loan amount but they couldn't tell me what amount I would be approved for.
|
05/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
I paid my loan off with them in XX/XX/2020. In full. I am still receiving emails from them stating my payments are over due. The account still shows {$21.00} is owed on my credit report even though they have said over the phone it has been paid off. They told me it was a glitch in their system and everytime I call I am told it will be fixed within the next week. Now we are in XX/XX/XXXX and it still has not been fixed. My husband and I are trying to get a home and its affecting my approval rates with it still on my credit report.
|
09/12/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
They require an email request to withdraw funds, since they deleted my linked account. I have made the request numerous times in the last 9 months. I am told the check is in the mail every few months, but mostly they ignore the emails or tell me I have contacted the wrong department even though I am doing what the website says to do.
Even though they say the check has been sent the money shows in the account and I never receive anything.
I email regularly agreeing to may what ever fees they want me to, I just want my money.
|
07/31/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
I have not been able to access my account to make payments or change payment information. I have contacted the company several times with a promise the technical support would call me to fix the problem. I have never received a call from technical support. This is not an issue with my password or user name. This is a technical problem with their website. Once I log in, the account link reroutes to a page to apply for a loan instead of to my existing account.
Most recent phone call to have this issue fixed : XX/XX/2021 at XXXX
|
08/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
On XX/XX/2020 I emailed Lending Club at the email address they provided to cease and desist calling me. That email address was sent to XXXX. I originally sent this request due to Lending Club calling me 5x that day prior to XXXX. Lending Club acknowledged they received my cease and desist communication when later in XXXX I called in to make a payment. Then today, XX/XX/2020, Lending Club again called me attempting to collect a debt. I let them know that this is violation of the FDCPA and that i'd be reporting the violation.
|
03/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
I am within the grace period for paying on the Lending Club account which due was XX/XX/XXXX. They started calling my cellphone on XX/XX/XXXX and now my employer everyday since XX/XX/XXXX. I informed them on XX/XX/XXXX that my employer does not want my personal calls coming to the office number of XXXX. Do cease calling this number. They have called the office every day as late as XXXX XXXX on XX/XX/XXXX. They said, they would remove the number from their list but they haven't. They have my cellphone number to contact me.
|
02/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
this is a follow up of my original complaint If i understand the SECONDARY l complaint has been or is gon na be removed from my credit involving XXXX The ORIGINALl complaint involves XXXX XXXX and LENDING CLUB I have no idea how this loan was structured the information that has been previously provided pertain to the original lenders and i suppose was sold to XXXX for {$1000.00} please look over the original info to help clear Not sure if these numbers are important or not or which ones necessary here they are XXXX XXXX
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10/24/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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The apr on this Loan is over 30 %. When I called asking to refi, I was told I had to wait 2 days. When I asked if I could modify the loan I was told no and would not be able to help me. I was told to contact a different company for help, they repeated a script over and over and when I asked to speak to a supervisor they told me no and someone would call me back. No one called me back, this all happened on XX/XX/2018. They would prefer I default and file bankruptcy verses working this out with me. This is predatory lending.
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06/16/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Shopping for a loan or lease
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Web |
Servicemember |
several times now I have been contacted by XXXX Mail by Lending Club. they say that I am pre approved for a {$20000.00} loan at a great interest rate. I fill out the application and they turn me down based on things found on my credit report. I keep getting this in the mail and I am tired of them promising loans and then turning me down.
every time I apply they turn me down and this lowers my credit score every time. it is also a big waste of my time. if they say that I am qualified, then they had better give me the loan.
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11/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
The account LENDING CLUB CORP is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
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04/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I have had this account since XX/XX/XXXX. I am 100 % on time and paying ahead.
On XX/XX/XXXX, Lending Club cash an extra ( two day passed the regular payment being received ) payment with a memo " apply to principal only ''. However, the company took interest. On XX/XX/XXXX, I requested they correct their error. To date they have not and are accruing interest on an incorrect balance.
Now, I am prepared to payoff the loan and have advise them of this ; they refuse fix the mistake and reverse interest accrued in error.
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10/22/2017 |
Yes |
- Debt collection
- Private student loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
I was late on payments and signed up for the hardship program in XXXX of this year. They still are still calling me from blocked numbers and different numbers from different states saying I need to resolve this issue. Tried talking again in XXXX, they kept transferring me to different departments. They call me 10 times a day, as a XXXX with XXXX XXXX issues this has trigger my XXXX. Please make them stop. XXXX XXXX is the name it is a tuition solutions account for when my son was attending XXXX XXXX XXXX for tutoring.
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02/14/2017 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
Servicemember |
I do n't understand why other loans with a due date are paid early the due date advances to the next month because I paid the payment before the due date yes it 's early but it was paid and advances the due date. I personally think it 's unfair that a financial institution essentially force you to carry a loan it 's entire term, or make " extra payments '' that do n't count towards the monthly payment. I 'm just trying to save some interest but can not believe a lender is ok with opporating this way, and allowed to.
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03/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I sent an FTC report to all 3 credit bureaus. XXXX and XXXX removed my fraudulent account. On XX/XX/2022, XXXX removed my fraudulent Lending Club account from my credit file. Then again on XX/XX/2022 and again on XX/XX/2022 and again on XX/XX/2022. On four different occasions within a three week span. I don't know why this is continuing to happen and who's breaking the law. But I'm overwhelmed by what's going on and would like to have this fraudulent account from Lending Club removed from my credit file and report.
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06/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I tried to refinance my vehicle and was denied, the bank told me I had an unresolved charge off with Lending Club. I contacted them and they said I had to contact who bought the debt and they would update my credit report. I contacted Velocity and they said they can not update my report but will send me a release of claim showing my payment and the account is paid and settled. I sent that to XXXX for review. They did not update the status of my account to Paid in Settlement, it still shows closed and written off.
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03/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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sent a email to landing club for they hold times on phone go on and on, i have been on hold total 6 hours in one week .understand volume is high but this is ridiculous. sent a directive to cease auto debit .to date they refused to comply and have to tried to debit my checking, i have sent numerous email without a fix, also looking for deferment they offered online yesterday but has since dissapeared .when you call they refer you to the website but i cant complete deferment there now where yesterday it was offered
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01/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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In XX/XX/2020, we deferred payment for one month per the Covid rules of our loan company Lending Club LLC. They incorrectly reported the account as 30 days late. When we informed them the my corrected it. 30 days later, they again reported the XX/XX/2020 account as last due. We again informed them and they corrected it. This has happened every 60 days since. They refuse to explain why it is happening and will not let us talk to anyone who will fix the problem. They promise calls from supervisors that never occur.
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07/22/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
I was denied a federal loan because a collection agency, XXXX XXXX XXXX, reported two accounts to the credit bureaus, with different account numbers on the credit report I pulled and the credit report the loan company pulled. However, the actual account number from XXXX financial is a completely different number. I have contacted the company several times trying to obtain a letter stating the account is settled and that the credit reports have errors on them, however, I have not received any communication back.
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11/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to LENDING CLUB CORPORATION but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
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06/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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They keep turning on autopay without my consent. Theyve done this multiple times. Theyve caused multiple other scheduled payments out of the payment account to be returned. Theyve also attempted to eft/debit accounts that Ive deleted from my profile with them. Im unemployed so this has caused great harm and stress. They feign ignorance into how this could happen. They have verified multiple times on recorded lines that autopay is off. Unauthorized withdrawals from my account either constitutes fraud or theft.
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04/12/2017 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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Me and the young lady where dating and we had a joint bank account and she went and got XXXX loans in my name the other XXXX have been resolved it is just this XXXX company by the name of lending club that just do n't want to see this as fraud I have all the bank statements of how that money was received and spent she used my information to get the loan into the joint saving account then transferred it into her personal account of then she made up me a email and used her phone # on the application for contact
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07/01/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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A loan was taken out by myself and paid off in full in XX/XX/2014. Upon checking my credit report, it appears Lending Club incorrectly reported my account as " delinquent over 60 days '' to XXXX and XXXX, and it has been on my report for the past 6 years.
LendingClub.com has no direct phone number for support and an email request submitted through their website did not return a response. A dispute was initiated with XXXX over 2 weeks ago on XX/XX/XXXX however no update has been made to the credit report.
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03/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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Applied for a refinance loan through lending club to replace a higher interest rate loan I already had with them. The amount requested was the same as the balance on the existing loan. The loan was denied for the reason : application incomplete - unable to verify physical address.
I don't know what their steps are to verify an address but they never inquired of me for any proof. I live at this address so I know it exists.
I suspect they denied the loan since they wanted to maintain the high interest rate.
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06/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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I called lending club back in XX/XX/XXXX. XX/XX/XXXX to cancel my auto pay. I was told it was canceled. fast forward 6 months later, lending club without my authorization tried to pull money of out my account without me knowing it. I then called lending club, they said they would review the calls and get back to me. no one got back to me. I called again and was told there is nothing I can do. lending club makes you keep the auto pay on, clearly breaking the law. my loan number with lending club is XXXX
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08/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/LENDINGCLUB Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
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06/13/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have a debt with LendingClub where I was paying {$170.00} a month. The balance never seemed to decrease. The last outstanding balance was {$3700.00}. I filed several financial hardships with LendingClub due to COVID-19. I wrote LendingClub requesting to know how to settle this debt. A few days later, LendingClub never responded and sent my account as a charge-off. Now this is on my credit report as a charge off. I am requesting to settle this debt and remove this charge off from my credit report.
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04/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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LendingClub-loan was put into deferment for XXXX XXXX but they reported me delinquent so it has messed up my payment history. Have been going back and forth with them to get this resolved for almost a year. They sent me a email stating that they would fix my credit for the months of XXXX 2020. They have fixed the months XXXX XXXX and XXXX but has failed to fix XXXX. I have been getting the run around calls and emails made with continuous failure to respond or carry out what they were supposed to do
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02/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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I was laid off and I tried to contact Lending Club by phone but could never reach them I email them and they never responded. Then collection companies started calling me at all times of the day and night they kept asking for my personal information and I never heard of these companies. I have sent them some funds and emailed lending club too see if they could reduce loan. Lending club never responds. I have not received any mail only phone calls from companies that want my personal information.
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11/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine.
2. Identity Theft XXXX XXXX XXXX Account Number : XXXX**** This is not mine.
3. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.
4. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.
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10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
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08/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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They did not respond and stated that is how the company is run. We got a loan for XXXX, how every they took over XXXX dollars with of fees and that did not include the instreated.
We paid the loan off early they only thing we got back was XXXX bucks We paid off over XXXX before it was due and this is all we got back in fees.
We only got XXXX from the loan, but we paid back over XXXX in fees and instreat which this is not fair We want some of our money back over XXXX should be give back to us
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05/12/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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On XX/XX/2021, I opened two accounts with XXXX XXXX using my debit card. Days later, the accounts were closed due to the funds being returned. That was never the case! The funds actually were deducted and posted to my account as a debit. For months now, I've been trying to get my money back but XXXX is saying the funds were never deposited. I have a copy of my transaction from that day showing proof that the funds were deducted from my account.
XXXX XXXX aka Lending Club Accts # XXXX & XXXX
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02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Lending Club # XXXX Here is another account that I cant seem to get any answers from. I have been calling and sending them letters along with all there bureaus to solve this problem but no one is helping me. This account is being re-aged the date last payment has three different dates which one am I supposed to try to figure out where to start? Two different date of last payment which was in XXXX but somehow I am paying as agreed in XXXX and in XXXX? This is so wrong but I can get any answers.
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07/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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|
Web |
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I tried to pay the loan off in full on XXXX XXXX. I wanted to use another bank account and when I entered the new account number that starts with a leading XXXX XXXX, I could not save it. I dropped the leading XXXX and it saved. I made the payment and sent a secure message to Lending Club/XXXX XXXX telling them about the issue. I received a response back that did not address the issue. I have since been able to make the full payment of XXXX. However I have now been charged a XXXX fee.
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10/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
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|
Web |
|
called lending club on XX/XX/2018 to inquire about a loan that I put a application in for and was on the phone with a supervisor asking general information about what to send in to them because when I called earlier in the day the person I talked to really told me nothing about anything when I asked and pretty much just rushed me off the phone and while asking a supervisor about everything she just said the XXXX with it and just hung up the phone just want to know what kind of company is this
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03/26/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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|
Web |
|
Due to the Corona virus situation, I try to talk to lendingclub about the options they offer during this financial period but their online service is down and the call center isn't answering. I waited a total of 7 hours for the last 4 days to contact any personal from lending club but no luck at all. At one point, after waiting two hours they answe my call finally on XX/XX/XXXX. Although they offer deferment for two months yet the interest is still would be accruing. That is unacceptable.
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06/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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LENDING CLUB CORP reported my account as CHARGED OFF, while was depositing my checks till XX/XX/2019. I found out LENDING CLUB SOLD my loan to XXXX XXXX on XX/XX/2019. I contacted XXXX immediately & negotiated PAY OFF on XX/XX/2019. I received confirmation letter from XXXX that my account PAID IN FULL. therefore Lending Club should remove derogatory mark 'charged off ' from my credit report & post 'paid in full ', which Lending Club refuse to do & keep negative mark on my credit history.
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02/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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|
Web |
Servicemember |
XXXX XXXX has previously been informed that my company does not allow personal calls during work hours, XXXX XXXX continues to call my place of employment. This last time the agent hung up without identifying the company she was calling from. The agent then claimed that the work phone number was the only contact information she had for me, which is false. This harassment at my place of employment needs to stop. This call was received at approximately XXXX pm central time on XX/XX/2019.
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11/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My identity was compromised. My cousin used my information while I was out of the country with out my consent. I had no idea that they opened these accounts until I checked my credit report. I have filed a police report about this matter and the creditors refuse to remove these accounts from my credit. Please assist me in getting these fraudulent accounts are removed from credit report because it has brought my score down significantly and is hindering from getting the things i need.
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02/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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The Bureaus did not properly investigate my account with LENDCLUB BNK XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The payment history is incomplete, too. No 120 days record was found prior to getting the account to be a charge-off. Moreover, the account has an exact balance which is totally wrong if the account is in fact to be a charge-off. The entire remarks for this account do not concur with each of the information.
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01/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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in XX/XX/2020 i was effected by the Covid -19 pandemic and temporary lost track of my finance statement due to reconstructing my life with the lockdowns and job shut downs.
i contacted XXXX/XXXX an informed them of my situation and they promised me that the late payment would be forgiven. i have never missed a payment with them since i had this account and i wrote a letter of goodwill to never miss a payment in the future.the issue with the late payment has never been corrected
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12/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
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|
Web |
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On XX/XX/2021 I was charged {$210.00} then again on XX/XX/2021 I was charged {$210.00}. Lending Club refused to refund one of those payments. Then they advised one of the payments just went to the principal and was not a payment. I asked could they please apply both payments as separate payments the manager agreed. But did not notate my account. So now Lending Club is saying I am past due for XXXX and now due for XXXX. They are very misleading and refuse to cooperate with me.
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02/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
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|
Web |
Older American |
I have received 2 emails from these people notifying me of a refund owed and asking me to update my address which I did twice ... this was in early 2021 and I have yet to receive the refund. I have called on multiple occasions, sent emails etc ... they are un responsive as the representatives are unable to provide me answers and although they say somebody will call me nobody ever does. I believe the refund is due to an interest overcharge but I have yet to receive the refund.
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10/31/2018 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
|
I received 5 calls, back to back, on XX/XX/18. This morning, on XX/XX/18, I already received 2. I receive at least 3 phone calls every day from this number, 7 days a week, to the point that I had to block it in my phone. This has been ongoing for at least thirty ( 30 ) days now.
I am making payments to a XXXX account on a debt and I am doing so diligently, and this is the only account I have with them. As I am making payments, there is NO need to constantly keep calling me.
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09/30/2020 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
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|
Web |
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I have had a loan with Lending Club since XX/XX/2019 and every payment has been made on time with the addition of principal acceleration. Lending Club sends regular emails asking me to apply for a new loan with a lower rate, I tested this offer this evening and received a DENIAL due to lack of Lending Club payment history. Uhm ... .help me out here all payments have been on time and accelerated principal. Deceptive advertising and now a hard pull on my credit, hello UDAAP?
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12/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I made a monthly payment to Lending Club on a installment loan for the monthly installment amount of {$190.00}, within the 30 days, and the company reported me 30 days late for a late fee. I think the late fee is {$15.00}. I have made payments to this company for the last 27 months and have never missed a payment, even through some rough months. I was n't aware of being able to be reported 30 days late on a installment loan, as long as you paid the regular monthly payment.
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12/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with fraud alerts or security freezes
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Web |
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XXXX XXXX ; XXXX XXXX XXXX XXXX ; and XXXX XXXX Bank all send me a denial/rejection letter for application of credit that I did not applied for. In the past i have placed a Fraud alert and a Security Freeze on my XXXX, XXXX, and XXXX credit bureaus and yet other have an open access and is using my identity fraudulent. : 1. XXXX Bank XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, OH XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
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04/14/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
Please reference my previous CFBP complaint # XXXX regarding Lending Club reporting my XX/XX/XXXX payment late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my XXXX report. After correcting their latest attempt at reporting me late, they just did it again today, XX/XX/XXXX, for the 5th time, this time on my XXXX report.
I submitted email evidence with my previous complaint from Lending Club confirming that they corrected the previous 4 credit reporting errors.
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10/05/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
I initiated an installment loan online for less than {$3000.00}. They are charging me over 30 % interest and the loan origination fee, I feel is in excess of GA law max rate.i can not find a license for this business to be doing these kinds of loans in Georgia. When I asked this company concerning the interest rate and the license, a representative told me that since they are an online installment loan originator, they are not governed by any state specific loan laws.
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02/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are claiming this fraudulent account is mine. I have never had any goods or services with them or them they are knowingly and willingly reporting this fraud. They are also aware that my banking account was comprised and it was close due to fraud. They have caused me great damage and embarrassment also with emotional distress.
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09/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
This bank is crazy I feel discriminated based on my XXXX I cant XXXX and they refuse to take care of me and this horrible experience I didnt know they offer checking online and I applied but their system is unable to verify my identity when Im entering in my correct address and information when I call they dont do anything horribke bank they should be requesting documents and opening my account manually they rather treat me like this as a new customer what ashamed
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05/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
XX/XX/2018 I applied for a {$12000.00} loan through Lending Club. On XX/XX/2018 I received a disbursement in the amount of {$11000.00}. Come to find out they have an origination fee of 6 % of the loan amount they deducted from my disbursement. That comes to a fee of {$720.00}. It wasn't until I received the disbursement that I learned of this fee. I am sure they have this spelled out on their website, but there was no notification of this fee when I applied for it.
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01/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
LendingClub Bank Checking account ending in XXXX are frozen on XXXX. Upon requested, I have submitted all the documents along with explanation of the recent deposits/withdraws.
My client verified with his bank ( XXXX XXXX XXXX ) the checks are cleared with sufficient funds, and LendingClub bank continue kept our funds frozen without proper notice.
As of XXXX, the contract between my client and our company is in a halt and incurring consequential delay costs.
|
01/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
i submitted a complaint with XXXX on XX/XX/2021 and they sent me an email stating that This complaint lists someone the company does not recognize as their customer or their customers authorized representative. I am personally filing this complaint. I am authorizing this complaint on my own behalf. I am resubmitting my complaint again as i am a victim of identity theft. I am also including the laws that state your responsibility and take my complaint seriously.
|
06/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
I have a loan with LENDINGCLUB CORPORAT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and LENDINGCLUB CORPORAT with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
|
07/04/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
I received an offer letter stating that I was pre-approved for a personal loan of " up to {$20000.00} '' and provided me with a special code to use to accept my loan. Then, when attempting to " accept '' the loan on their special website, timely submitted before the deadline, they denied my " acceptance '', even though " pre-approved '' and even though my credit scores were all higher with all three bureaus than on the day I received their offer letter.
|
05/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
I reviewed a copy of my currrent credit report and show inaccurate information with creditor name LENDING CLUB account number XXXX. This account has been satifed and paid as agree with no balance which is to be reported as {$0.00}. I have contacted Lending club you advise that this account is closed and paid as agree with no late payments. This account is still shown as open with a balance which is incorrect. I have sent mulitple dispute with no reply.
|
04/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
XXXX credit card, I settled for less than balance and paid in full on XX/XX/XXXX. The original balance was {$940.00}. They are still showing a balance.
XXXX sold my account to a third party, XXXX XXXX which I did pay for less than balance in XX/XX/XXXX. Not updated or noted on my report.
Lending Club sold one of my loans to XXXX XXXX, which I settled for less than the balance in XX/XX/XXXX. Lending Club will not note it. They did on my other loan.
|
08/23/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
During XXXX of 2016, I borrowed money from a private institution called " Lending Club. '' I needed the funds to pay off high-interest credit cards and to help with relocation for work. However, I am paying over 30 % in interest on a loan amount of a little over {$16000.00}.
The interest rate seems too high and disproportionate. I have been making payments on time but it is becoming financially difficult to keep making these high-interest payments.
|
03/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
I been making my regular payments on time and also making additional payments & notice my balance was not going down, most of my payments was being reveresed, but know one can explain to me what that means.my additional payments was going to interest only. I could never see how my payments are being apply to my loan. I try calling the company to deal with my payments, but know one could explain why my payments are not being apply to the balance.
|
04/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
Lending Club Corporation is reporting incorrect information on my account. A representative from LendingClub called me about my past due payment. I tried making the payment the next day but couldnt because I was sent to collections. This was not explained to me by the agent that called me the day prior. I am asking Lending club to make things right by removing the remarks on this account that states the balance was purchased by another lender.
|
03/23/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
lendind club do n't let us pay off our debt using other bank account. We have my ant wife living in XXXX and she give us ( money ) ( her account information for that purpose, ( XXXX account ). Lending club is unable to procedure whit a payment for that simple reason that account owner can speak XXXX and they can verify authenticity of the account because they do n't have a translator. or they are concern above the losing money in interest?
|
02/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
When making extra payments or early payments they're not crediting them effective the date they're received but rather holding them until the due date allowing extra interest to accrue. When I questioned them about this I was simply told this is their policy. When I explained this was against federal regulation and that the payment must be posted effective the date it's received they told me someone else would call me back who never did.
|
08/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
We have called several times the company directly to try and fix the information being reported to the credit but each time we tried to work with them the problem got worse and it seemed they were just un-willing to work with me to fix it. I have been working on this for the last 3 months to see what i could do to resolve any issues that existed including making additional payments if necessary to fix it. But no co-operation from them.
|
06/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I have these accounts that are not mine and i want it to be removed from my credit report.
1. Identity Theft XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
5. Identity Theft LENDCLUBBK Account Number : XXXX This is not mine.
|
04/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
The Lending Club Refused To Delete Credit Account Of A Loan.I Was Never Asked To Physically Sign Any Documents When Account Was Opened Online.I Requested Validation Made Pursuant To The FDCPA And The FCRA.I Disputed The Account With The Company And The Credit Reporting Agencies : XX/XX/XXXX XX/XX/XXXX XXXX.Account Always States " Verified '', Without Any Documents Bearing My Signature.I Had To File Lawsuit At XXXX County Circuit Court.
|
12/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
Bottom line, i was told by Lending Club that because of the natural disaster i went through, meaning the hurricane, that i would not be reported late due to the fact that i had never missed a payment and that as long as i had made my payment of XX/XX/2018, that no deragatory late payment would show on my credit bureaus. If there phone calls are recorded for quality assurance, the proof is there for exactly what i was told would occur.
|
11/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
Creditor participated in Unfair deceptive abusive acts or prices ( UDAAP ) by unlawfully charging me unusually high interests and fees when the account was open and after they closed the account. They violated FDCPA Laws. This inputted a high burden on me and caused me to incur high charges and fees which I did not incur. Also, this greatly affected my credit and I will like the violations committed by the creditor to be investigated.
|
10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on LENDING CLUB. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
01/08/2020 |
No |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
I have 2 voicemails on my personal cell phone and one voice message on my work phone on XX/XX/2019. On my personal and work voice mail he stated that the call was a legal notification of a petition for a civil judgement in the petition for garnishment of wages filed in his office against me. That he was an advocate for me and that I needed to reach quickly if I wanted any sort of assistance from them prior to the judgement filing.
|
03/18/2017 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
This is a XXXX bill from at least 2 years ago. XXXX started sending my past due statements to my ex-wifes parents house where I have never lived there and she has n't lived there in over 15 years. They continue to call my cell phone every day at least 5 times a day. They called me 7 times today from unknown caller within a 8 hour window. I have told them to stop calling and just sue me if they want because I do n't have the money.
|
07/22/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
The company Lending Club of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, USA, Has violated Regulation " Z '' and additionally failed in Crediting Payments as of the Date of Receipt Section 226.36 ( c ) requires loan servicers to credit a payment to a consumer 's loan account as of the date it is received. They have also failed to validate the debt by the standards established by Federal Law and the FTC within the allotted time.
|
09/10/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
I called XXXX, LENDING CLUB, & XXXX to try and resolve the following matter but unfortunately the lady that was speaking to me was rude, unprofessional, and not helpful at all. I recently reviewed my credit REPORTS and observed that XXXX IS NOT reporting my monthly payments to all the credit bureaus, XXXX, XXXX, & XXXX. Furthermore, XXXX, LENDING CLUB, & XXXX has a note on my credit report which states " National Disaster ''.
|
08/22/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
On XX/XX/19 I applied for a consolidation loan. I was told that there was 3 steps to complete I have downloaded all required documents. The last task as they call it was to do a verification call. I have tried several times to do this last task each time I am told to complete the instructions but not told what exactly these instructions are. I have tried to work with them but they refuse to help and complete the loan request.
|
11/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
Last XXXX I consolidated all my loans with XXXX XXXX. I also changed my checking account because of a fraudulent charge. During the consolidation I the agent asked me about a $ XXXX monthly payment with Lending Club. I went into my Lending Club online account, I had a previous loan with them that XXXX XXXX paid off, and found no open loans. I believe this charge is 'phantom debt ' and I want it removed from my credit report.
|
10/12/2016 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
Filled out online application and they said they would fund it as soon as possible. Did not hear from them. Lending Club called me several times to say that the application was not complete. Went over application again and sent it in. They did not answer. Called me about two weeks later said they hava loan for me. All directions were followed and they just took my information and even moved the response to another state.
|
02/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
I was approved for the loan and signed all the agreements, I forwarded all the documentations that were requested and was verified. I chatted with the agents on the phone and had submitted the call needed and sent in my bank statement, I received a decline to due : Application is incomplete - Bank account has not been verified I tried to rectify the issue on having my bank account verified and have been unable to do so
|
07/20/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
XXXX loans have been opened in my name and I did not apply for the loans, nor did I authorize anyone else to open accounts in my name. XXXX company is XXXX and the other is Lending Club. After submitting affidavits with XXXX to dispute the accounts, the debts are still showing up on my credit report. I have also received mail from a collection agency for the Lending Club loan. The inquiries also need to be removed.
|
05/14/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
On XXXX XXXX , 2017 the company received a certified check that paid off the balance in full. The same day the company still proceeded to debit my checking account for an additional payment. So now they have received the payoff of {$18000.00} and an additional payment of {$780.00}. The account does not reflect a credit balance or show a refund due and they are holding my money. The account number is XXXX .
|
08/25/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
10/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
This is XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LENDCLUB BNK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
|
09/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
If a company does not own a loan portfolio anymore, they do not have the legal right to continue to report such to the credit bureau. It will amount to double jeopardy when you are eventually contacted by another company seeking to collect.
I want lending club to completely delete any financial report issued to the CRA on my name and identification since they are associated with the loan portfolio anymore.
|
09/04/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
I have no idea why it says I have had a late payment on my credit card! Ive never missed a payment. I checked my credit and I have a late payment! I know I didnt miss a payment. Im going through a really difficult time making sure everything is payed for because Im trying to buy a house and I just loss my father due to covid on top of that being a mother of XXXX has been rough. Please help me resolve this
|
09/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
An ACH transfer was accepted by LendingClub XXXX XXXX.on XX/XX/21 but the funds have not been deposited into my account as of XX/XX/21.
I have reached out to them and they will not deposit the funds, saying they can not track them down, I have documentation showing the ACH transfer was accepted.
Now they are not accepting my phone calls and I can not speak to anyone to get a resolution to this matter.
|
12/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
In addition to my last complaint, LendClub Corp is now reporting me 90-days late & 120 days late for the same month ( XX/XX/2020 ). Please see the attachment for more details. This caused my credit score to drop even more while I am trying to resolve matters with them. LendingClub is making things worse instead of rectifying their mistake. Please escalate this and delete or fix this account on my credit.
|
11/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
I currently have a LENDING CLUB Loan & I have called on numerous ocasions to inform them that my loan is not being shown on my XXXX, XXXX, & XXXX Credit Report. I keep getting the run araund and I've decided not to continue trying to resolve this with XXXX anymore since it's not going anywhere, Note : I was told by LENDING CLUB that once I was approved for the loan that they REPORT to XXXX, XXXX, & XXXX.
|
03/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
Hello, I overnighted a payoff on XX/XX/2022 and the funds were received on XX/XX/2022 and have yet to be applied to my loan. When I call, I'm told they will not back date my payment ( stealing interest from me ) and it can take 10 business days to apply my funds.
I've asked to speak to a manager several times and am never given one to talk to.
XXXX tracking information XXXX Thank you for your time.
|
04/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
XXXX has been reporting an account from lending club corp on my credit report as in collection on XX/XX/2017 which never happened as i always paid the account on time & upon my repeat disputes, XXXX has refused? failed to further investigate the dispute as perviously disputed. This information is completely inaccurate & is hurting my credit due to mistake made by XXXX & must be corrected immediately.
|
08/21/2019 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
On XX/XX/XXXX, Lending Club drafted by checking account for a monthly payment and then drafted my account a second time for the same loan. I have been in contact with them but they still haven't returned the additional payment. I have made multiple calls to the customer service department without any success. I have also incurred additional fees to my credit union due to the double ACH withdrawal.
|
12/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
I have received a XXXX debit card from " Lending Club '' which from my understanding is linked to a loan line. I have never requested any loans or cards from this company. I have tried contacting their Costumer Service number, but their operation hours are limited and I couldn't reach anyone. They also do not list a " fraud department '' or XXXX number for complaints related to fraudulent activity.
|
11/27/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
I opened a savings account on XX/XX/2021 on Lending Clubs website. I transferred {$60000.00} from my home bank ( XXXX XXXX ). I tried to gain access to my new account with Lending Club but was told my account was locked and being reviewed. I called my home bank to report this and was told the money is already gone and they could not help. My money is missing and nobody can tell me where it went.
|
03/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
XXXX submitting this complaint myself and theres no one or third party involved with this submission. I would like to also note that I am a natural living person/ a consumer pursuant to 15 USC 1692a ( 3 ). Additionally, I would like it to be noted that the data furnisher ( Lending Club ) is violating my right as a consumer according to fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ).
|
04/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
Lending club incorrectly marked my credit line with a XXXX late mark while my account was in forbearance during the month of XXXX and XXXX until XX/XX/XXXX with an additional 15 day buffer. I have made multiple attempts at speaking with lending club and their manager refuse to help, their number listed on the credit report is a fax. Ive filed many complaints and no resolutions have been made
|
07/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
The Company is in violation of the Fair Debt Collection Practice Act, 15 USC 1692g a law that is supposed to be enforced by the CFPB.
When they began harassing me over debt, I looked up their corporate address online and mailed a copy of the attached letter. They have failed to comply with the request in the attached letter made under the Fair Debt Collection Practice Act, 15 USC 1692g.
|
12/28/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
I have a 36 month installment loan with lending club opened on XX/XX/XXXX. Today I checked my XXXX Credit Report and FICO. My FICO score dropped from XXXX to XXXX.
The drop on score was due to lending club reporting my account 30 days late for XX/XX/XXXX which is incorrect. I have never paid this account 30 days late either it was within the grace period or paid late but before 30 days.
|
10/25/2020 |
No |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
The company lending club is reporting on my credit report and I can not get a loan or any type of job and he is affecting my life my credit report is being affected very badlyMy mother get approved for a loan and I was on a cosigner and she filed for bankruptcy and I am not in bankruptcy my name is XXXX XXXX But even though that it is in bankruptcy they still have it on my credit report
|
06/11/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
I was doing online inquiry in relation to a real estate purchase and I contacted support informing them the numbers were incorrect/old and told them I submitted page to proceed only to find the terms. They did not communicate with me and continued to process the loan. They sent an email in reply to the support request the day they processed the loan. I never agreed to finalize the loan.
|
03/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
Today at XXXX EST-i tried to make a payment and their server says that I am not able to make payments between XXXX ( Pacific Daily Time ) I am in EST zone so this should not affect me. This is the 4th or 5th time this has happened. I've brought threats of the CFPB and this company doesn't seem to care. I am trying to pay additional principal down and their website will not allow me to.
|
04/30/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
Company is reporting that my XXXX Payment of {$340.00} was 30 days late, which is incorrect. Then I see on their website that they have applied my XXXX payment to XXXX - which I have deferred. When I contacted them about the issue I was advised that it could take up to 60 days to correct. Unfortunately due to unforeseen issues I can not wait 60 days and need my credit report corrected.
|
01/31/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
On XX/XX/2019 I emailed my authorization to take my loan payment from my XXXX account. LendingClub sent an email that it would be taking from XXXX and account I had previously asked them to not use. I will include all emails. I called the LendingClub and more or less what told its my problem. This company has extremely unethical business practices. I see that the FTC is quite aware.
|
10/17/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
Lending club charges if you try and use a paper check. They only allow ach for free.
after further research, their usuary limits exceed what massachusett law allows. I was under the understanding this was a legal loan interest, but have recently found out it is not. Recent courts have determined they need to abide by the state usuary law despite where they conduct their business
|
12/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
Lending Club contacted someone I know that I have no relation to or personal connection to other than a friendship, I have no idea how they even got this persons number. They called them, told them the amount of my loan, lied to them and told them I used them as reference to receive a loan ( I didn't even know this person at the time ) and disclosed personal information about me.
|
05/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
LendingClub Corp is reporting to the credit agencies that my account was closed in XX/XX/XXXX when they received a payment from me on XX/XX/XXXX.
They also have status that the account was included in bankruptcy which is a violation of bankruptcy laws and also after the account was close and they were still recieving payments after they reported the account close.
Thank you
|
03/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
I filed a complaint in XXXX about this company incorrectly reporting information about my account and my due date and amount due being inaccurate. The Claim number is XXXX. They still have not responded to the complaint and now they are reporting it erroneously on my credit report. They are showing the account 84 days past due when it is only due for the XX/XX/2021 payment.
|
11/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
I sent a check for {$9000.00} towards my principal ( after deducting {$800.00} for my monthly payment ). This payment was processed on XX/XX/XXXX but they are now claimingXX/XX/XXXX that the payment did not clear, which my bank disputes. By continuing to delay this payment, my account is being reported as late and this is not the case.
I have called on this repeatedly.
|
04/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
My wife opened this account without my knowledge. She had access to our home computer, my dob, ss #, checking account and email.
She used the proceeds from this loan to payoff all her charge cards which were at their maximum limits.
At no time did I open this account with lending club for {$8600.00} It is now in collections with XXXX XXXX XXXX. for the above amount.
|
01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on LENDINGCLUB CORPORAT. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
( LENDINGCLUB CORPORAT XXXX )
|
07/24/2019 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
7 loan payoffs were mailed on XX/XX/XXXX to 4 separate institutions. Three to XXXX XXXX, 1 to XXXX, 1 to XXXX, and 2 to Lending Club. 5 of the 7 checks cleared by XX/XX/XXXX. As of today, XX/XX/XXXX, Lending Club has no record of these checks. the loan payoff amount was given for 14 days out. I am of the firm belief they are holding the checks for addional interest.
|
07/02/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
Lending Club continuously reports extremely late by multiple months negatively affecting my credit score & reports. I've asked them to correct this and even filed a direct dispute with Lending Club and the credit bureaus. They updated some of the bureaus with different information that doesn't even reflect my correct balances for any of the months that are missing.
|
01/07/2020 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
This company received proper documentation that they have been submitting request for payment on a fraudulent account. Instead of ceasing and deceasing, they have engaged in very aggressive and harassing collection tactics. They even sold their fraudulent account to a collection company that ended up filing a bogus lawsuit, seeking a quick judgment trough cheating.
|
06/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
I have an issue with Lending Club institution.
They have been reporting missing payments since XX/XX/2020. I have a proof of all automated payments from my bank. I provided to them, but they did not even respond.
I called them and spoke to one of the managers and he said there is nothing they can do.
I just wanted them to correct reports and fix their mistake.
|
01/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
I would like for the LENDING CLUB to remove ACCOUNT # XXXX because it is showing {$0.00}. The account balance shows {$0.00}. As of date, this account is reportedly inaccurately on my report. I am asking that you do this now. I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt be immediately stopped.
|
02/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I HAVE PREVIOUSLY DISPUTED WITH LENDING CLUB ABOUT 6 MONTHS AGO AND THEY DELETED THIS FRAUDULENT FOR ME. HOWEVER, NOW IT IS REAPPEARING ON MY CREDIT. THIS ACCOUNT IS FRAUD. I DID NOT OPEN NOR AUTHORIZE ANYONE TO OPEN THIS ACCOUNT FOR ME. PLEASE DELETE. I HAVE NEVER SIGNED AND AGREED FOR A LOAN UNDER THIS COMPANY AND THE TERMS IN WHICH THEY REPORT TO MY CREDIT.
|
02/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
Lending Club reported negative to my credit report in XXXX of XXXX when my account was settled and paid on XX/XX/XXXX. This is inaccurate and is currently lowering my credit score from being less than 60 days old and blocking me from refinancing my home. They were paid over a year and half ago. They should not continue to report to my credit after settlement.
|
09/29/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
Lending Club does not allow payments to be made early. You can make a payment early and reduce balance but does not count as the minimum payment due. All credit card companies allow you to make your minimum payment anytime up to and including the due date. For some odd reason Lending Club does not and offers no explanation other than to change the due date.
|
11/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
As to date the company has not corrected the insult to my credit report although they wrote and mentioned that would rectify this ASAP. The old complaint number is XXXX Lending Club XX/XX/2018 still reads 30 days delinquent.
I was just denied a loan based upon this finding.
The error was on the Lenders part due to false information from customer service
|
12/05/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
Lending Club led me to believe that my loan had been approved when in actuality it had not. They continued to request documents, to the point where I realized they had never approved it to start with. Yet one week ago when I applied, their website stated " Your {$1200.00} loan is on its way. '' This is deceptive as there was never a " loan on its way. ''
|
02/02/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
I have been trying to resolve a complaint with Lending Club. Pursuant to the lending agreement, I submitted a request to arbitrate the case.
Lending Club has not responded in any way to my attempt to resolve the matter. They have since written the loan off as noncollectable.
I would like to have this case resolved via arbitration per the agreement.
|
06/29/2020 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
My name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX.
Lender.lending club Amount of loan : {$4000.00}.
Date of loan : XX/XX/2019.
Total amount paid : {$4800.00}.
Final payment XXXX.
I called lending club XXXX XXXX And told them that was my final payment. And they told me thst i still owe over {$1000.00}.
Please help me.
|
10/04/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
On XX/XX/2021 I received several emails to my personal email from LendingClub bank about a high yield savings account that was opened under my name. I contacted LendingClub bank and a account was opened in my name. I changed all passwords to emails and contacted XXXX to report this fraud. I also contacted LendingClub bank and closed the account.
|
03/26/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
I tried to make multiple payments online via lendingclub.com For the past 2 months I was not able to make an extra payment. I called and complained about this issue with No resolve. All of the reps state that I should be able. The site was not working corretcly. This hampers me to decrease my balance, hence more interest goes to the company.
|
02/04/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
At the time I applied at Lending Club for a {$20000.00} loan I was desperate, but did not fully understand the fine print, nor did I fully understand my payment would be $ XXXX/mo and they would only give me {$19000.00}. I am experiencing extreme financial difficulty currently and ca n't make the payments now and am afraid of legal action.
|
01/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
I tried to cancel my loan with lendingclub but I was unable to do so because of the XXXX XXXX. When I tried to cancel my loan the next day, I was told that it was 1 day out of the loan cancelation period. I think this is unreasonable and was surprised that they wouldn't work with me to refund the fees charged or offer a partial refund.
|
08/28/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I have a loan with LENDING CLUB, XXXX/XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LENDING CLUB, XXXX/XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part
|
06/12/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
I was extended credit from The Lending Club through XXXX XXXX without my knowledge. The Dentist was performing procedures that we could not afford and I would never have approved had I known or been asked. He was performing these procedures on my wife without prior consultation to inform her what he was doing or how much it would cost.
|
02/01/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
I had an investment account with Lending Club which was closed at some point. I am now unable to withdraw settled funds in my account. There are no valid contact methods to discuss this problem with the company as the indicated help email is inactive and in " sending-only '' mode per a response I received. I want to withdraw my money.
|
02/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
I called the company several times in XXXX to try and make a payment but without knowledge they closed my case and wouldn't allow me to make a payment and now it's affecting my credit report tremendously. I didnt receive payments from unemployment till then and had kept them informed since I lost my job in XXXX because of pandemic.
|
12/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing emotional and mental damage damage.
|
08/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
This company continues to improperly apply payments made to my account, resulting in the overall balance being higher than it actually is, or the payment due date being incorrect. According to the company 's files, more than 30 payments were improperly reversed and applied, which has caused unacceptable levels of financial harm.
|
12/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Per my rights under the FCRA, please provide the contact information for the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau.
|
03/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
If account is under {$10000.00} then Lending Club has XXXX remove {$100.00}. This is illegal for several reasons. To let all the loans run out requires the amount to run under {$10000.00}. Secondly, an invoice was never sent from XXXX. Thirdly, I now live in a state that makes an account at the Lending Club illegal. ( NC )
|
01/24/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
Older American |
I am trying to obtain my funds from Lending Club. I have requested a transfer on multiple occassions with not success. Thier contact information does not work. Phone line just states no one is in the office. Email address they provide is used for them sending messages only.
Something is very wrong with this operation.
|
09/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
I sent out a bill payment on XXXX to XXXX credit card. Lending club decided to take a review of my account. They reviewed the account and cleared it of fraud. However my check was rejected a month later on XXXX and XXXX is now charging me a {$39.00} fee. If XXXX 's does not waive the fee I want Lending club to cover it.
|
09/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
Lending Club are currently reporting inaccurate late payments on my credit report ( s ), when they claimed to no longer have my account on XX/XX/XXXX, and that it has been sold to a company by the name XXXX, and i am to begin making payments to XXXX as of XX/XX/XXXX.
I also filed chapter XXXX bankruptcy on XX/XX/XXXX.
|
08/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
I called lending club multiple times asking for a statement payoff because I'm closing on my property. I need it to payoff my account. My credit shows 30 days late, I never got phone call, or billing statement. I am visually and hearing impaired. I asked for XXXX accommodation multiple and staff is always rude to me.
|
01/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
LENDING CLUB CORP- Account number XXXX*is reporting on my credit report. I have been a victim of identity theft and have sent documents to Lending Club proving that I am a victim along with copies of my credit reports, identity theft affidavit and police report. They have failed to respond. This account is not mine.
|
02/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX are reporting inaccurate information on LENDING CLUB CORP with account number XXXX. Per XXXX, reporting must be XXXX XXXX accurate or the information must be deleted.
|
03/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
I've sent requests of proof of this debt, contract information of who open account with no response. They have no contract or proof, lending club has been adding payments on this account as well, false reporting of account activity.
Lending Club Date open : XX/XX/2014 Amount : {$15000.00} Past due : {$13000.00}
|
12/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
Looking over my credit report I noticed there were some late payments showing and due to the pandemic/hardship i was not able to make those payments on time. The following account that shows late payment for XXXX, XXXX, XXXX LENDING CLUB CORPORATION # XXXX. Due to the Pandemic Shutdown I was effected financially.
|
04/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
Lending Club Account # XXXX for {>= $1,000,000} are the sole responsibility of XXXX XXXX XXXX, XXXX, SSN=XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
|
12/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
LENDING CLUB CORP Account XXXX and XXXX XXXX XXXX XXXX Account XXXX ARE UNVERIFIED.
XXXX has not provided proof of physical verification of the original signed consumer contract its has on file pursuant to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ).
XXXX HAS NOT PROVIDED METHOD OF VERIFICATION
|
02/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
Account was charged off in XX/XX/XXXX same account was later charged off again in XX/XX/XXXX with a {$1.00} decrease in balance owed. I did not make any payment. This is clearly any attempt to circumvent account aging off my credit report. This 2nd charge off posting has caused my score to drop significantly.
|
08/22/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I have a loan with XXXX, LENDING CLUB, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, LENDING CLUB, and XXXX with no successful resolution. There was definitely an error on their part.
|
07/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
This company is reporting my account twice on my XXXX report. They have different balances and payment information. I have only ever had one account with this company. I submitted a dispute with XXXX but the company is saying that the information is correct. I sent a message to Lending Club and nothing.
|
10/30/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
Lender is not licensed to do business in the State of New York as required by New York Banking Law Article IX and is charging interest and other fees not permitted under N.Y. Banking Law Article IX and is attempting to use a rent-a-bank ( XXXX ) in an attempt to give its loans an appearance of legitimacy.
|
06/28/2020 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
LENDING CLUB CORP XX/XX/2019 {$8500.00}. This account has been paid in full. Ive asked for this account to be removed. because balance was -paid. lending corp has agreed but this account is still on my credit report. This account has caused me an financial set back. This company is violating my rights.
|
06/18/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
I sent them a letter to not call any phone numbers, home, work and cell.
Now they are calling my employer and leaving detailed message about my debt.
XXXX XXXX XXXX ext XXXX ... ... told them on the phone twice to stop calling me at work. Time to report them for harassing me at work when told not to.
|
07/03/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
I had to change my bank account three months ago and the change did not take. They have calling at three times a day. Reporting my account late and charging me NSF fees on no bank account on file. They refused to fix the problem and will not remove the fees. The wealthy taking advantage of a consumer..
|
03/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
In XXXX, I transferred the balance owed to a no interest credit card. I took the amount from my personal page right down to the penny and transferred the entire amount. Now, they're trying to tell me I still owe {$64.00}. I told them to come back to me with aXX/XX/XXXX balance or I would report them.
|
02/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Received unwanted marketing or advertising
|
|
Web |
|
Lending Club : daily harassing phone calls, multiple times a day, everyday up to 5 times a day from XXXX XXXX till XXXX XXXX, using the following numbers ...
XXXX, XXXX, XXXX, XXXX, XXXX I have never done business with them, or even ever called them. I am on the state and federal do not call list.
|
05/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Lending Club.com is reporting me delinquent. I have no knowledge of this account. I did apply for a loan with them a while back but they verbally told me I was denied as they needed additional information to verify my identity and they would contact me back ; I never heard back from Lending Club.com
|
12/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
I have a court date for a loan that I did not pay from Lending Club. However, I am not sure that they can charge the 30.99 % annum interest rate in the State of Maryland. The loan came from XXXX XXXX which I later found is being sued in a Class Action Lawsuit. What can I do to fight this in court?
|
01/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
I am stuck in a sub prime loan ( victim of unfair business practices ) with super high interest rate 38 % since XX/XX/2020. I have not been able to refinance or even a get a lower rate. The monthly payment is {$430.00} and the balance has not moved. I have reached to the company/website may time.
|
07/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
XXXX XXXX has been included in my bankruptcy case number XXXX out of the XXXX XXXX XXXX XXXXf Michigan. They are still reporting monthly that my account is delinquent when they should have just reported it as a part of the Chapter XXXX wage earner plan. Can we have this negative reporting stop.
|
07/27/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
I was told, that after 1 yr. I was going to be able to lower my interested rate on debt consolidation loan. But, it turns out, that I have to reapply & pay another lending club processing fee. The rate is ridiculously high compare to current rates. I only took this loan in desperation.
XXXX ),
|
05/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I was a victim of identity theft and as a result several account have been reporting in my credit report i have try resolving this matter directly with the company providing then documentation of these fraudulent account XXXX XXXX XXXX # XXXX
LENDING CLUB CORP # XXXX XX LENDCLUB XXXX # XXXX
|
07/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I have tried to dispute an account with Lending Club corporation in regards to charge offs but without success.This company has continued to violate the California Credit reporting act by reporting an account that was never charged off, it was merely settled after falling late a few months.
|
01/15/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
These accounts are still showing delinquencies and collection on my credit reports and were paid in full settlements and the test of the amounts charged off. The accounts should be listed as closed, paid, and account balances XXXX with no derogatory comments left. Settlements are binding.
|
02/11/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
I have an account Lending Club ; this then became XXXXXXXX XXXX ; then it went back to Lending Club. I am trying to get my 1099 from these XXXX. I have emailed them numerous times ; they don't respond. There is no way to get it on line. Can you kick their XXXX and get me my 1099. Thanks.
|
11/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
Despite calling and opting out to XXXX XXXX XXXX XXXX twice in the last six months, I still continue to get prescreened credit offers in the mail from the Lending Club and XXXX XXXX Two to three a week. I have called both and the offers continue.
Please help me to get these stopped.
|
09/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
I reviewed a copy of my credit report and notice this company reporting I owe monies to them. I reached out to them to send me the validation that this is indeed mine and I can move forward to taking care of this issue. I have yet to get any response with the information I requested.
|
02/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
I took out and repaid a loan more than two years ago. Lending Club won't stop mailing me offers for new loans. I've emailed their unsubscribe email they include on their mail offers, but that has done nothing to dissuade them. I don't want anymore loans, nor anymore mail from them.
|
12/19/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
I applied for refinancing on an auto loan with Lending Club and was told the rate would be 2.49 % The payoff on my current loan was XXXX WHEN IT CAME TIME TO SIGH THE LOAN THE LENDING CLUB SAID THE RATE WOULD BE 3.4 % THIS IS BAIT AND SWITCH THEY NEED TO BE INVESTIGATED AND FINED!
|
10/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I have a loan with LENDING CLUB. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and LENDING CLUB with no successful resolution. There was definitely an error on their part.
|
05/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
Again, I've been contacted by XXXX XXXX XXXX and threatened with legal action by a lady named XXXX. I told her the first time that she called me that I was not to be called at work and she continues to harass me and then laugh when I tell her it's unacceptable and needs to stop.
|
11/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
I have reporting on all ( 3 ) credit bureaus that my Lending Club loan account and XXXX XXXX XXXX XXXX car loan accounts are showing as " closed accounts '' and not as " paid in full '' which is lowering my credit score. I'm asking that this is corrected on all ( 3 ) bureaus.
|
07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
07/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
03/14/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
I submitted a complaint in XX/XX/2019 XXXX and LendingClub did the same thing!
Letter to LendingClub, uploaded same issue as before tried to pull from an account that I have ask them to never use/remove! To be safe I changed and you can see the screen shot is XXXX only!
|
05/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
I WAS A VICTIM OF IDENTITY THEFT AS A RESULT THESE ACCOUNT WERE OPEN UNDER MINE AND TAXES, PERSONAL LOAN UNDER MY NAME XXXX # XXXX ... SYNCB/ROOMS TO GO # XXXX.
ADS/COMENITY/WESTELM # XXXX ... XXXX BANK # # XXXX PORTFOLIO RECOVERY # XXXX,, LENDING CLUB CORP XXXX XXXX
|
03/29/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
Servicemember |
Completed an inquiry with Lending XXXX to refinance vehicle at a lower rate. In return I received XXXX individually credit inquiries which XXXX dofeereny credit unions checked my credit report. As a result my credit score has been impacted and decreased tremendously.
|
12/26/2015 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Managing the line of credit
|
|
Web |
|
I did a pay off of {$9000.00} on Lending Club as of XXXX, 2015. The account is closed and the amount paid, was accepted as payment in full by the company. They have refused to acknowledge my request for a letter documenting this as well as updating my credit reports.
|
05/13/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
My due dates are on XXXX of each month with a bank draft. The lending club in different occasions sent the payment on XXXX of the month which made my checking account negative. When I ask to stop taking the money earlier their answer was this was their practice.
|
08/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
This is a complaint against LendingClub and XXXX, I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity the
|
07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
03/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
This account was opened XX/XX/XXXX. It was paid off at the end of XX/XX/XXXX with certified funds from my closing attorney. They were notified it was going to be paid in full. It took weeks before my payment posted. They reported a 30 day late on a closed account.
|
11/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
|
03/14/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
I have a loan with this company that is violating Arkansas usury law by charging an interest rate that is above the cap. I will like to pay off my balance but at the legal interest rate. I have tried to contact them get the changes made. They refused to help.
|
03/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
I have paid this company my XXXX payment on XX/XX/21 the due date of {$350.00}. I have paid them over {$200000.00} dollars within the last 35 days. They keep calling asking for payments. I called several times but they refuse to help, only ask for a payment.
|
02/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
My job was impacted by COVID19, and I look for a job 35 hours per week. They will not work with me on deferring my loan. They absolutely will not work with me. I spoke with a lady named XXXX on XXXX/XXXX/2021 at XXXX XXXX CST.
XXXX XXXX XXXX XXXX XXXX
|
04/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
Have submitted proof to XXXX on more than XXXX occasion that LendingClub was supposed to fix the errors in reporting to my credit for XXXX XXXX XXXX XXXX of 2020. XXXX is still showing delinquent even though I submitted the proof its not being fixed
|
11/16/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American, Servicemember |
I submitted a complaint to the CFPB regarding their multiple phone calls, after contact, and they subsequently sent the account to a Collection Agency ( XXXX XXXX XXXX ) threatening to negatively impact my credit even tho I am not 30 days past due!!!
|
04/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
Have submitted proof to XXXX on more than one occasion that LendingClub was supposed to fix the errors in reporting to my credit for XXXX XXXX XXXX XXXX of 2020. XXXX is still showing delinquent even though I submitted the proof its not being fixed
|
06/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I have these accounts that are not mine and i want it to be remove from my credit report asap.
1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
2. Identity Theft LENDCLUB BNK Account Number : XXXX This is not mine.
|
10/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
I have a cease and desist do not contact on my account with lending club. I know it to be active because they ask me about it when I call to make my payments. A manager violated this order today. I did not request this call. I feel violated.
|
08/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
I received a letter from XXXX XXXX XXXX XXXX . Claiming that they own the rights of a debt from lending club and demanding full payment. I need full validation of this debt. I haven't heard anything from lending club regarding this matter.
|
06/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
They continue to call the office. They do not provide information and hang up when we ask for anything. They leave voice messages on the company line when we do not answer with no information just to call the XXXX number about an employee
|
03/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
On XXXX the XXXX-2020 at XXXX. send and email to company about financial situation.ask them not to withdraw funds from account because of limitation. Then put a block on the account with my bank. XX/XX/XXXX they still. withdraw. $ XXXX
|
04/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
Dear Sir/Madam : Please see attached cover letter describing the events regarding my complaint against the Lending Club. In addition, I also have attached two correpondence, as outlined on my cover letter.
Sincerely, XXXX XXXX XXXX
|
01/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I have repeatedly tried to remove the fraudulent XXXX Lending Club loan from my XXXX credit report. The loan is not mine and when I call Lending Club I am told they can not find the account ( obviously ) so they can not do anything.
|
04/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
I have credit XXXX account and found that XXXX XXXX XXXX, XXXX, also with XXXX XXXX serviced by Lending Club Corporation that it was reported on XX/XX/21 that there is a debt being collected. I have yet to know anything about this.
|
12/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
XXXX XXXX XXXX has an auto loan showing as open, past due, & with a balance. I filed Chapter XXXX bankruptcy including the vehicle. They now have the vehicle. I notified them to have it updated but nothing has been done to correct.
|
08/25/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
On XX/XX/XXXX XXXX XXXX had posted Lending Club had a loan for me 90 % approved at 11.97 % interest APR I filled out the application and came back and they said it would be 18.97 I think it was very misleading and dishonest
|
04/28/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
I am attempting to make my XXXX payment but the company has removed the ability to pay online from their Account website. They are hassling me about calling them to make regular payments or penalize me for mailing a check.
|
04/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
CHECK # XXXX ISSUED FROM XXXX XXXX XXXX UNDER MY NAME CLEARED ON XX/XX/2019.YET THE PAYMENT HAS YET TO BE POSTED ON MY ACCOUNT IN A TIMELY EXPEDITIOUS MANNER, LENDING CLUB GOT THE MONEY BUT HAS NOT CREDITED MY ACCOUNT.
|
01/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
I was a victim of identity theft. Someone open several accounts under my name without my authorization. I have no idea what this debt is about. Will like this company to stop calling me and sending me collection letters.
|
11/01/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
I have disputed this account before due this loan was taking out on behalf a identity theft and I am not responsible however the debit collector and lending club said they do not believe me. Which is very biased.
|
07/10/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
the interest rate they charge me is so high and it 's impossible to lower it. I was told that after one year of making on time payments they would lower it but now after one year, they told me I do n't quality.
|
12/21/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
I try to apply for my installment loan from lending club I may be discrimination bcause of my race I be able to pay XXXX every months on my credit cards and why I only borrow XXXX and I am not qualify. thanks
|
03/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
This company continues to report the date my loan was issued on an incorrect date, the loan was issued 30 days after the designated date and my first payment was deducted on the same day the loan was issued.
|
03/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
I have a loan with Lending Club and it reporting that I was 30 days twice ( 1 ) time in XX/XX/XXXX and ( 1 ) time in XX/XX/XXXX. They have corrected this twice with XXXX but now its showing on XXXX and XXXX.
|
01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
Loan still shows open on credit report. Contacted lending club. They told me to login online. Loan does not show up. They refuse to send a statement. Need paid in full statement for mortgage. Please help.
|
06/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.
|
02/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
I was reviewing my credit records and I wanted to get some copies of documents on my account.
-The account closing date -Balance when account closed -Current reporting status with XXXX- XXXX- XXXX XXXX
|
07/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
I entered a settlement with Lending Club. However, the credit bureaus are not updating the account to report it correctly. They are reporting a charge off when it is not a charge off. It is a settlement.
|
11/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
I was victim of identity theft and I contacted the collection agency and provided information informing them that my identity was stolen and advised them I contacted the original creditor Lending Club.
|
05/01/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
Lending Club Corp has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
04/05/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
Lending Club continues to send me " pre-approved '' loan offers after having twice to lend me funds. I have written to the company and they sent me a response that does n't really answer my complaint.
|
08/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
So Ive disputed these late payment 3 or more times and still no success. Even though what they are doing is against the law. They even sent me an email saying they would be removed and added another.
|
10/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
I was explained the Company that I have difficulty to pay due to Covid-19 It affects me and my family they were willing to help but they report a late payment to the credit Bureaus. It hurt my Score
|
07/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
disputed this account with XXXX, to get proof that this is a account of mind the dispute was done under section 609 of the fcra. XXXX has to show proof to report this on my credit file or remove it.
|
05/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
Lending Club has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
05/01/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
Lending Club has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
04/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
Lending Club has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
07/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
Requesting any refunds do on my loan, per the Stipulated Order for Permanent Injunction and Judgment Re : Case 3:18-cv-02454-JSC ( FEDERAL TRADE COMMISSION v. LENDINGCLUB CORPORATION , 2021 )
|
05/31/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
Lending club automatically withdraw money from my investment account to a saving account but provides no means to access that money. They also have not responded to my email for over 2 weeks.
|
01/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
I have called customer service about erroneous reporting on credit report, XXXX 2020. I'm listed as being 60 days late of this account. This is not true. All payments were done as scheduled
|
10/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
XXXX XXXX and XXXX caused some inaccurate information on crredit report that made a lender call me collecting a debt b/c of the data breach lending club corp XXXX XXXX XXXX XXXX XXXX XXXX
|
08/12/2019 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
XXXXLending Club is a fraud account that was supposedly fixed after I filed a police report and affidavit ( attached here ). Now XXXX XXXX is reporting it as a collection on my credit.
|
09/25/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
A woman named XXXX from this company called my employer and revealed she was a debt collector and embarrassed me in front of all my colleagues in addition to putting my job at risk.
|
01/18/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I have spoken to somebody in the company called XXXX XXXX I have sent over fraud and police papers and have got nowhere. This loan is not mine and was open without my authorization
|
07/05/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
I took out a debt consolidation loan for XXXX and was charged an exorbitant fee of XXXX for, what they call, an origination fee which was not reasonably disclosed in the agreement.
|
02/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
This information needs to be removed from my account because the reporting agencies all have different numbers ( amounts ). Please have this removed from ALL OF my credit reports.
|
01/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
I filed for Chapter XXXX and was Discharged however, my credit score recently dropped due to Lending Club Corp, XXXX XXXX, XXXX XXXX XXXX, XXXX still reporting on my credit file.
|
10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
|
09/07/2019 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
On XX/XX/2019 I paid the full outstanding balance of {$7600.00} it's still showing on all the reporting Credit Bureaus with this outstanding balance,, should be an XXXX balance.
|
01/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
Lending Club is still reporting a balance owed when I paid off the balance completely in XXXX 2021. Please see attached as proof. Please update the balance to zero immediately.
|
07/05/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
i fell behind. the lender wrote off the debt. they show that on my credit report. It then sold the debt and I am currently making payments. those payments are not reflected.
|
02/03/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Older American |
I got a loan to pay for XXXX but the XXXX never was able to provide the service promised a refund but closed his practice finance company lending club will not return money
|
04/11/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
The interest I am being charged wasn't disclosed. I recently found out that the interest rate is 49 %!! I would never have taken the loan had I known. Is this even legal?
|
05/29/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
i received a pre approved offer from lending club and they turned me down. my understanding is that they need to offer me a firm offer of credit under FCRA. I feel misled
|
01/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
The original account was a result of identity theft. I have disputed with XXXX XXXX regarding this fraudulent account and therefore their fraudulent collection account.
|
06/13/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
Deceptive advertising, sent pre approval notice, spent XXXX weeks faxing documents, only to be denied without counter offer for loan that fits my income. Bogus company.
|
03/23/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
I have a few negative items on my credit report that is not mine.
Account Name : LENDING CLUB Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
|
11/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
LENDING CLUB CORP - XXXX account has been settled in full since XX/XX/2021, but they keep reporting inaccuracies on my credit report causing my XXXX score to drop.
|
10/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
Lending club call my family members discussing my debt which I think was wrong. My family member gave them my number, but the calls to my family members continues.
|
03/16/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
I was asked if it was me. I then asked them not to call me at work. I asked them to send me mail regarding account and was told they tried mail with no response.
|
02/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
05/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
04/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
01/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
11/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.
|
08/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
Lending Club Corporation is showing a charge off on my credit reports. This debt was included in Bankruptcy case XXXX in the XXXX XXXX district of Michigan.
|
02/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
There are two accounts that DO NOT Belong to me on my credit on XXXX these are not mine I have no clue why they are even on my report or what they are for.
|
04/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
The Lending Club Corporation is reporting unvalidated negative information on my credit profile to the three major credit bureaus ( XXXX, XXXX, & XXXX ).
|
09/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any investigation results..
|
03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
|
02/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
I file a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received my investigation results.
|
03/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
I have tried three times to get my legal name changed with these people and they are simply unresponsive. I'vew sent them all of the documents needed.
|
10/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
I filed a dispute in regards to the incorrect items on my credit report and it's been over 30 days and I haven't received any investigation results.
|
10/08/2020 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
I am a victim of identity theft, I never authorized these accounts. These acounts hurting my credit score and I being victimized by the bureaus.
|
11/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
Lending club bank is still reporting and trying to collect of this debt not owed even though it has already been discharged during bankruptcy
|
12/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
Lending Club ; various amounts ; Reported XX/XX/2020 ; showing late payments while under forbearance for two accounts.
See attached report.
|
02/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
Lending Club is reporting to the 3 credit bureaus inaccurate 30 & 60 days past due. I have disputed the items and they did NOT correct them.
|
06/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Someone opened up fraudulent accounts in my name : XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX XX/XX/XXXX for XXXX XXXX, XXXX XX/XX/XXXX XXXX
|
03/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
|
11/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
06/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
This debt was part of identity theft, I do not owe the debt, and have tried to resolve it several times with written documentation.
|
04/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I checked my credit report and there are some accounts that I don't have any association with the accounts are fraudulent accounts
|
02/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
I have never taken out a loan with this company an where did they get my information from an where did you send this money to
|
09/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
Servicemember |
The alleged debt was paid in full in accordance to the law 16 CFR 433.1-3. The promissory note was my negotiable instrument.
|
11/28/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
I have this loan opened under my name, This is a fraudulent charge, I have never opened any kind of loan with this company.
|
04/11/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
Lending club sends me XXXX offers a week to my home. I do not want a loan from them. They refuse to stop mailing me offers
|
04/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Lending Club Corp is being reported as a delinquent account every month after several disputes. It is affecting my score.
|
08/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
XXXX XXXX XXXX will call my cellphone 3 to 4 times a day. Monday thru Saturday. Once I even received a call on Sunday.
|
09/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
|
|
Web |
|
I had XXXX, XXXX and XXXX stolen from my XXXX debit card and I cant get XXXX to return my money to my account
|
01/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
As consumer and beneficiary of this account, I assigned XXXX XXXX as trustee to settle and close this account.
|
07/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
Due to being a victim of identity theft a fraudulent account with Lending club Corp was opened XX/XX/2018.
|
05/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
MY IDENTITY WAS STOLEN WHEN MY WALLET WAS TAKEN. SOMEONE RECEIVED A LOAN IN MY NAME WITHOUT MY KNOWLEDGE
|
09/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
I notice that there is 12 inquiries on all three credit bureaus that I do not recognize please help
|
01/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
Loan paid off however still show as derogatory on credit report since paid in XX/XX/19.
|
09/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I am not aware of this account and it is affecting my credit report, please remove it.
|
07/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
Someone stole my identity and opened many accounts without my permission or authority.
|
01/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
I did not give permissible authorization for this company to check my credit report.
|
12/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
Lending Club incorrectly reported payments, dates and amounts on my credit reports.
|
05/04/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
I was charged an origination fee that was not disclosed before the loan was made.
|
06/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
I had set up a payment plan to settle and settled in full.
|
07/18/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
Lending Club posted payment, and has lost cash payment.
|
09/25/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
The Lending Club has destroyed my credit history
|
04/10/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
They always call every so often at XXXX.
|
10/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
Please forward this to LendingClub!!
|
10/28/2020 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
STOP ALL CALLS
|
10/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
DO NOT CALL
|
04/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
04/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
04/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
04/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
04/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Phone |
Older American |
|
04/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
03/31/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
03/25/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
03/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
|
|
03/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
03/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
03/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
03/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
03/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
03/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
03/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Phone |
Older American |
|
03/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
03/15/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
03/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
03/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
03/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Phone |
|
|
03/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
03/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
03/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
03/05/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
03/04/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
Older American |
|
03/04/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
02/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
02/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
02/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
02/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
02/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
02/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
02/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
02/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Phone |
|
|
02/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
02/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
02/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
02/08/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
02/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
02/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
02/04/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
02/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Servicemember |
|
02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
01/31/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Postal mail |
|
|
01/28/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
01/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
01/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
01/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
01/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
01/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
01/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
01/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
01/12/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
01/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
|
|
12/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
12/16/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
12/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
12/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
12/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
12/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
12/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
12/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
12/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
12/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
12/03/2021 |
Yes |
- Mortgage
- Reverse mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
12/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
11/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
11/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
Older American, Servicemember |
|
11/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
11/17/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
11/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
11/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
11/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
11/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
11/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
11/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
10/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
10/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
10/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
10/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
10/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
10/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
10/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
10/14/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
10/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
10/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
10/07/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
10/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
10/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
10/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Phone |
|
|
09/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Received unwanted marketing or advertising
|
|
Web |
|
|
09/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
09/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
Servicemember |
|
09/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
09/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
09/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
09/07/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
09/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
09/02/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Phone |
|
|
08/31/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
08/31/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
08/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
08/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
08/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
08/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
08/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
08/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
08/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
07/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
07/31/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
07/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
07/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
07/27/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Other transaction problem
|
|
Referral |
|
|
07/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
07/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
07/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
07/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
07/20/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
07/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
07/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
07/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Phone |
|
|
07/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
07/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
07/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
06/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
06/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
06/29/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
06/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
06/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
06/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
06/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
06/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
06/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
06/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
06/17/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
06/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
06/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
06/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
06/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
06/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
06/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
06/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
06/11/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
06/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
06/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
06/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
Older American |
|
06/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
06/07/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
06/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
06/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
06/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
06/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
06/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
06/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
05/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
05/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
05/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
05/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
05/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
05/25/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
05/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
05/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
05/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
05/18/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Phone |
|
|
05/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
05/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
05/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
05/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
|
Phone |
Older American |
|
05/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Phone |
|
|
05/10/2021 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
05/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
05/07/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
05/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
05/04/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
05/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
05/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
04/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
04/28/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
04/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
04/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
04/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
04/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Received unwanted marketing or advertising
|
|
Phone |
Older American |
|
04/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
04/08/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
04/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
04/02/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
04/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
03/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
03/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
03/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
|
|
03/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
03/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
03/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
03/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
03/23/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
03/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
03/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
03/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
03/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
03/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
03/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
03/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
03/02/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
03/02/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
03/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
03/01/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
03/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
03/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
02/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
02/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
02/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
02/17/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
02/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
02/08/2021 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
02/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
02/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
02/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
01/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
01/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
01/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Phone |
|
|
01/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
01/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
01/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American |
|
01/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
12/31/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
12/31/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
12/31/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
12/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Filed for bankruptcy
|
|
Web |
|
|
12/21/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Phone |
|
|
12/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
12/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
12/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
12/11/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
12/10/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
|
|
12/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
|
|
12/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
12/07/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
12/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
12/07/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
12/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
12/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
12/01/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Fax |
|
|
11/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
11/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
11/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
11/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
11/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
11/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
11/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
11/19/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
11/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
11/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
11/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
11/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
11/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
11/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
11/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
11/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
10/30/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
10/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
10/26/2020 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
10/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
10/10/2020 |
No |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
10/10/2020 |
No |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
10/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
09/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
09/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
09/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
09/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
09/11/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
09/04/2020 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
09/03/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
09/03/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
09/02/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
09/01/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Phone |
|
|
08/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
08/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Servicemember |
|
08/18/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
08/12/2020 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
08/12/2020 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
08/11/2020 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Referral |
|
|
08/10/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
08/08/2020 |
No |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
08/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
08/05/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Fax |
|
|
08/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
07/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
07/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
07/28/2020 |
No |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Phone |
|
|
07/21/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
07/11/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
07/08/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
07/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
07/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
06/30/2020 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
06/29/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
06/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Postal mail |
|
|
06/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
06/22/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
06/22/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
06/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
06/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
06/10/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
06/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
06/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
Older American |
|
06/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
06/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
06/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
05/27/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
05/19/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
05/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
05/15/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
05/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
05/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Servicemember |
|
05/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
05/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Phone |
|
|
04/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Postal mail |
|
|
04/29/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
04/27/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
04/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
04/19/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
04/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
04/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
04/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
04/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
03/31/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
03/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
03/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
03/26/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
03/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
03/23/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
03/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
03/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
03/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
03/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
03/07/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
03/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
03/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
03/04/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
- Problem with customer service
|
|
Phone |
Older American, Servicemember |
|
03/03/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
03/03/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
Servicemember |
|
02/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
02/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Postal mail |
|
|
02/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
02/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
02/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
02/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
02/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
02/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
02/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
02/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
02/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
02/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
01/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
01/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
01/22/2020 |
No |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
01/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
01/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
01/11/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
01/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
01/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
01/02/2020 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
12/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
12/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
12/17/2019 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Phone |
Older American |
|
12/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
12/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Phone |
Older American, Servicemember |
|
12/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Phone |
Older American |
|
12/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
12/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
12/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
11/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
11/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
11/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
11/07/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
11/04/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
11/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
11/01/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American |
|
10/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
10/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
10/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
|
|
10/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
10/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
Older American |
|
10/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
10/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
10/08/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
10/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
10/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
10/01/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
09/26/2019 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
09/26/2019 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
09/19/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
- Confusing or misleading advertising or marketing
|
|
Referral |
|
|
09/13/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
09/04/2019 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
09/04/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
08/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
08/29/2019 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
08/27/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
08/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
08/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
08/22/2019 |
No |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
08/21/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
08/21/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
08/15/2019 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
08/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
08/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Phone |
Servicemember |
|
08/07/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Referral |
|
|
08/06/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
08/06/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
08/03/2019 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
08/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
08/01/2019 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Referral |
|
|
07/31/2019 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
07/30/2019 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
07/29/2019 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
07/24/2019 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Phone |
|
|
07/24/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
07/22/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
07/15/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
07/12/2019 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
07/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
07/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
07/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
07/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
07/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Phone |
Older American |
|
06/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
06/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
06/14/2019 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
06/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
06/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
06/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
05/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
Older American |
|
05/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
05/21/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Postal mail |
|
|
05/14/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
05/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
05/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
05/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
04/25/2019 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
04/22/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
04/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
04/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
03/27/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
03/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
03/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
03/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
03/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
03/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
03/04/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
02/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
02/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
02/20/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
02/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
02/05/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
01/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Postal mail |
|
|
01/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
01/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
01/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
01/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
01/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
12/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
12/17/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
12/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
12/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
12/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
11/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
11/21/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
11/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
11/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
11/02/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
10/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
10/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
10/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Phone |
|
|
10/19/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Phone |
|
|
10/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
10/16/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
10/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
10/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
10/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
09/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
09/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
09/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
09/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
09/04/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
09/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
08/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
08/24/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
08/16/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
08/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
08/01/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
07/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
07/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
07/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
07/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
Servicemember |
|
07/12/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
07/09/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Phone |
Servicemember |
|
06/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
06/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
06/22/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
06/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Postal mail |
|
|
06/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Phone |
|
|
06/08/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Postal mail |
|
|
06/07/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
06/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
06/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Postal mail |
|
|
05/31/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
05/25/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
05/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
05/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
05/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
05/14/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
05/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
05/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
04/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
04/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
04/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Referral |
|
|
04/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
04/02/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Phone |
|
|
03/31/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Referral |
Servicemember |
|
03/28/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
03/28/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
03/27/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
03/23/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
03/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Fax |
|
|
03/16/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
03/15/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
03/09/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Servicemember |
|
02/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
02/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
02/16/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
02/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
02/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Phone |
|
|
01/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
01/04/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
12/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
12/17/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
12/11/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
12/07/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
12/03/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
10/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
10/27/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
10/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
10/19/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
10/12/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
10/12/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
09/24/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
09/21/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
09/14/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
09/12/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
09/01/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
08/29/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
08/11/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American |
|
08/01/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
07/28/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
07/19/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Postal mail |
|
|
06/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
05/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
05/18/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
05/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
05/01/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Servicemember |
|
04/26/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
04/13/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
04/12/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Referral |
Servicemember |
|
03/24/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
03/02/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
03/01/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
02/24/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Referral |
|
|
01/27/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
01/25/2017 |
Yes |
|
|
|
Web |
|
|
01/25/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Postal mail |
|
|
01/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
Older American |
|
01/09/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Phone |
|
|
12/30/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
12/18/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
12/12/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
11/12/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
11/09/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Postal mail |
|
|
10/31/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
10/30/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
10/28/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
10/25/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
10/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
10/18/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Phone |
|
|
10/13/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
10/13/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
10/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
10/05/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
10/05/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
09/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
09/21/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
09/09/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
09/07/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
08/29/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Referral |
|
|
08/27/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
08/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
08/18/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Referral |
|
|
08/15/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
08/02/2016 |
Yes |
|
|
|
Web |
|
|
07/29/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Referral |
|
|
07/20/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
07/06/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
06/17/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Fax |
|
|
06/14/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
05/25/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
05/19/2016 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Shopping for a line of credit
|
|
Postal mail |
|
|
05/19/2016 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Account terms and changes
|
|
Phone |
Older American |
|
05/11/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
05/11/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
04/28/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Referral |
|
|
04/12/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Referral |
|
|
04/08/2016 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
04/07/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Phone |
Older American |
|
03/15/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
02/29/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
02/21/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
Servicemember |
|
02/19/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
02/19/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
02/17/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Phone |
|
|
02/16/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
04/07/2015 |
No |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Referral |
|
|