LendingClub Corporation

Initial Business Response /* (1000, 5, 2015/11/23) */
Thank you for giving Lending Club the opportunity to respond to[redacted] 's Revdex.com (Revdex.com) complaint. We're sorry Mr. [redacted] was disappointed with his experience. We'd like to explain our application process....


Lending Club has strong identity verification and authentication mechanisms to ensure that an application is valid and to avoid the risk of identity theft. Our application process is completed online; therefore, we often look to verify identity via a phone conversation during which we ask several personal questions that only the individual would know. Additionally, Lending Club may request documentation supporting the information listed on the application as part of the identity verification process. The aim is to protect our borrowers from security infringements.
We attempted to reach Mr. [redacted] directly by phone to explain the information needed to process his application but were unable to reach him.
Lending Club received a request from Mr. [redacted] to withdraw his application, and we have complied with his request.
Applying for a loan with Lending Club has no negative effect on an applicant's credit score, and applicants who have withdrawn their previous applications are welcome to re-apply with Lending Club at any time.
If there are further questions regarding this matter, please have Mr. [redacted] contact Lending Club directly by email at [redacted]@lendingclub.com or phone XXX-XXX-XXXX Mon-Sat 6am-5pm PST.

I have attached the proof.  Thank you

Thank you for giving us the opportunity to respond to [redacted]’s Revdex.com complaint.  We understand [redacted] is disappointed, and we would like to clarify the pre-approval process.
Under the Fair Credit Reporting Act (FCRA), consumer credit reporting agencies, such as...

Transunion and Experian, are permitted to include a consumer's name on lists used by creditors or insurers to make firm offers of credit or insurance not initiated by the consumer ("Firm Offers"). Under these same rules, Firm Offers must include instructions for how the consumer may opt out of receiving future offers. Lending Club uses this information, including credit score, outstanding debt, payment history, and recent credit activity, to identify potential borrowers and send pre-approved loan offers.  
Loans originated through Lending Club’s marketplace are underwritten and made by WebBank, Salt Lake City, UT, member FDIC. The Annual Percentage Rate (APR) on consumer loans available through Lending Club’s marketplace, currently ranging from 5.99% APR to 35.96% APR, depend on the borrower’s credit score, loan amount, loan term, and credit usage history. Please note that the pre-screening process and loan application do not affect an applicant’s credit score, because neither action is reported to credit bureaus as a hard credit inquiry. 
To ensure [redacted] no longer receives unwanted marketing from Lending Club, we have removed the following contact information effective 4/4/16:
[redacted]
[redacted]
[redacted]
[redacted] should allow three to five weeks from the effective date to no longer receive postal mail from Lending Club. We apologize for any inconvenience this may cause.  Additionally, if there’s another name or address [redacted] would like us to remove from our marketing list, please have him contact Lending Club and we will promptly remove it. 
We thank you again for the opportunity to respond to this complaint brought to your attention by Mr[redacted] To the extent that [redacted] has further questions, please have him contact Lending Club directly by email at [redacted] or phone at [redacted] Mon-Sat, 6am-5pm PST.

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Sincerely, [redacted]

Initial Business Response /* (1000, 6, 2015/12/04) */
Thank you for giving us the opportunity to respond to [redacted]'s Revdex.com complaint. We would like to clarify the application process.
As part of the application process, Lending Club may perform verification of the...

applicant's financial information to validate the applicant's ability to repay the debt. Lending Club requested documents from Mr. [redacted] for this purpose. Mr. [redacted]'s designated client advisor informed him that if the requested documentation could not be provided, the information stated on the application could not be verified.
Loans originated through the Lending Club platform are underwritten and made by WebBank, Salt Lake City, UT, member FDIC. Lending Club provided an adverse action notification to Mr. [redacted] describing the credit decision on behalf of WebBank. He can view the adverse action letter by logging into his Lending Club account.
Please note that loan applications through Lending Club do not affect applicant credit scores because it is not reported to credit bureaus as a hard credit inquiry. Mr. [redacted] may reapply for a loan or line of credit through Lending Club in the future.
We thank you again for the opportunity to respond to this complaint brought to your attention by Mr. [redacted]. If there are further questions regarding this matter, please have Mr. [redacted] contact Lending Club directly by email at [redacted]@lendingclub.com or phone at XXX-XXX-XXXX Mon-Fri 7am-5pm PST.

Initial Business Response /* (1000, 6, 2015/03/03) */
Thank you for giving Lending Club the opportunity to respond to [redacted]'s Revdex.com (Revdex.com) complaint. Mr. [redacted] raises concerns about not being able reach an actual person to unsubscribe from receiving Lending Club's...

direct mailers. The [redacted] feels harassed and wants to stop receiving direct mailers.
Mr. [redacted] called the number listed on our mailers, a toll-free number provided as a means to opt-out of all prescreened offers of credit. This is not a number managed by Lending Club; rather, it is managed on behalf of the credit bureaus and they require personal information to process the opt-out request. In order to opt-out of Lending Club communications specifically, a consumer only needs to provide enough information to determine the phone number, email address, or mailing address the consumer wishes to unsubscribe.
The [redacted] has been unsubscribed from all Lending Club mailing lists. We also sent the [redacted] a confirmation email, advising that we have removed him from our mailing lists.
We thank you again for the opportunity to respond to this complaint brought to your attention by Mr. [redacted]. To the extent Mr. [redacted] has any further questions or concerns, please have him contact Lending Club directly by email at [redacted]@lendingclub.com or phone XXX-XXX-XXXX Mon-Sat. 6am-5pm PST.

I have been approved for a personal loan with Lending Club. They requested the first month payment sent to them via western union. They said my loan along with the money I send them would be in my account in an hour. Is this real and is it safe?

Initial Business Response /* (1000, 5, 2014/09/17) */
Revdex.com Complaint Activity Report Case XXXXXXXX
Borrower Name: [redacted]
Case Opened: [redacted]
Consumer Complaint:
Lending Club's failure to respond to calls caused loan to be removed.
Consumer's Desired Resolution:
Offer the...

original loan amount and interest rate.
Thank you for giving Lending Club the opportunity to respond to [redacted]'s Revdex.com complaint.
Lending Club has strong identity verification and authentication mechanisms to ensure that an application is valid and to avoid the risk of identity theft. Our application process is completed online; therefore, we often look to verify identity via a phone conversation during which we ask several personal questions that only the individual would know.
Lending Club reached out to Mr. [redacted] to complete this identity verification four times during the application process. Phone calls were made to all phone numbers listed on the application on 8/22/14 and on 8/26/14. A voicemail from Mr. [redacted] was received on 9/1/14 and was forwarded to the loan reviewer. The loan reviewer followed up and called all numbers on file on 9/1/14 and on 9/2/14. Because the phone verification could not be completed after multiple attempts to reach Mr. [redacted], the loan application was removed.
When Mr. [redacted] applied for a new loan he received a higher interest rate and a lower loan amount. Since time had passed since the previous application, Lending Club requests updated information from the credit bureaus. Any changes in recent credit activity could have an effect on the rates or approval of a new application. Lending Club apologizes for any miscommunication that may have occurred regarding interest rates.
Lending Club has reached out to Mr. [redacted] and he has indicated that he is no longer interested in pursuing a loan through Lending Club. Lending Club has taken the necessary steps to ensure that Mr. [redacted] will no longer receive mail or email solicitations from our company. We have removed his name and address from our marketing database.
We thank you for the opportunity to respond to this complaint brought to our attention by Mr. [redacted]. Please let us know if there are any further questions on this matter. Mr. [redacted] is welcome to contact Lending Club Member Support directly via email [redacted]@lendingclub.com or phone XXX-XXX-XXXX Mon-Sat. 6am-5pm PST.

Initial Business Response /* (1000, 5, 2014/04/03) */
Revdex.com Complaint Case # [redacted]
Consumer: [redacted]
Case Opened: [redacted]
Lending Club Loan Number:[redacted]
Consumer Complaint:
Unable to reach Lending Club by phone during stated business hours.
Concern with how Lending...

Club keeps private information
Consumer's Desired Resolution:
Assurance personal information is secure
Response:
Thank you for the opportunity to respond to the complaint from [redacted].
[redacted] brings up the concern that she was unable to reach Lending Club during our normal business hours. Lending Club has representatives available to answer any questions from consumers between the hours of 6am-5pm PST Monday through Saturday. Outside of these hours a consumer can leave a voice message and we will get back to it as soon as possible.
The ot[redacted] concern brought up by [redacted] is how we secure personal information.
Lending Club's privacy policy can be found [redacted]e https://www.lendingclub.com/public/privacy-policy.action or by visiting Lendingclub.com
Lending Club has been in contact with [redacted] by phone and addressed [redacted] concerns personally.
We thank you again for the opportunity to respond to this complaint brought to our attention by [redacted]. Please let us know if [redacted] are any [redacted] questions on this matter. Additional questions may be directed to Lending Club Member Support directly via email [redacted] or phone [redacted] 6am-5pm PST.

Initial Business Response /* (1000, 5, 2014/09/23) */
Revdex.com Complaint Case # XXXXXXXX
Consumer: [redacted]
Case Opened: 2014-Sept-19
Consumer Complaint:
Consumer was sent a pre-approved loan offer and then denied a loan when she went online to apply.
Consumer questions...

why she would have been denied a loan offer after receiving a pre-approved loan offer letter.
Consumer's Desired Response:
Consumer would like for Lending Club to approve a loan for her. Consumer states Lending Club promised her a loan.
Thank you for giving us the opportunity to respond to [redacted]'s Revdex.com complaint.
Lending Club partners with major credit bureaus to identify people who may qualify for a loan through Lending Club. We use information provided by the credit bureaus, including credit score, outstanding debt, payment history, and recent credit activity, to identify potential customers. After we identify potential customers, we mail out pre-approved loan offer letters based on those criteria. In the letter we sent to Ms. [redacted], we explicitly disclosed that loan offers are not guaranteed. Important information about the terms of the offer is printed on the front and reverse side of the letter.
When a potential customer goes online to apply for a loan, we ask for the applicant's annual income and employment status. In addition to information provided to us by the credit bureaus, we use annual income and employment status to determine if we can offer a loan to the applicant. Also, because several weeks pass between the pre-screening process and the actual application, we request updated information from the credit bureaus.
Both sets of information are used to determine if an applicant qualifies for a loan offer, as stated in the "Credit Certification and Authorization" and "Important Pre-qualified Information and Terms and Conditions for This Offer" sections of the letter we sent to Ms. [redacted]. Common reasons for being declined for a loan after receiving a pre-approved offer are that an applicant's current outstanding debt is too high relative to their income or that changes have occurred in their credit report since pre-screening.
The specific reasons why her loan application was declined are provided in the adverse action notice we sent to her.
Please note that the pre-screening process and loan application did not affect Ms. [redacted]'s credit score, because neither action is reported to credit bureaus as a hard credit inquiry. Ms. [redacted] is eligible to apply again for a loan via Lending Club thirty days after the date of her last application.
If Ms. [redacted] would prefer to not receive any more letters from Lending Club, she may opt-out by including her name and postal address in an email to [redacted]@lendingclub.com. Also, if she wishes to no longer be included in offers of credit by mail from any companies, she may contact TransUnion Opt Out Request, P.O. Box [redacted] XXXXX-XXXX; Equifax Options, P.O. Box XXXXXX, [redacted] XXXXX-XXXX; Experian Consumer Opt Out, P.O. Box 919, [redacted] XXXXX or call X-XXX-XXX-XXXX.
Please let us know if there are any further questions on this matter. [redacted] is welcome to contact Lending Club Member Support directly via email [redacted]@lendingclub.com or phone XXX-XXX-XXXX Mon-Sat. 6am-5pm PST.
Initial Consumer Rebuttal /* (2000, 7, 2014/09/29) */
(The consumer indicated he/she ACCEPTED the response from the business.)
They should reexamine their mass mail marketing practices.

Initial Business Response /* (1000, 5, 2014/05/23) */
Revdex.com Complaint Case # XXXXXXXX
Borrower: [redacted]
Case Opened: 05/12/2014
Consumer Complaint:
Consumer was given misinformation on the phone regarding receiving a second loan
Consumer's Desired Resolution:
The...

ability to apply for a second loan
Thank you for the opportunity to respond to the complaint from Mr. [redacted].
Under the loan application policy, borrowers may have up to two loans outstanding at the same time. To qualify for a second loan, a borrower must meet the current credit criteria for the second loan and have made either 6 or 12 consecutive on-time original contractual monthly payments on their existing Lending Club loan, depending upon the size and term of the existing loan. In the case of Mr. [redacted], his existing Lending Club loan requires 12 consecutive on-time original contractual monthly payments. Furthermore, Mr. [redacted] requested a payment plan for his existing Lending Club loan, and because those payments do not follow the original contractual agreement they are not taken into consideration when establishing 12 months of consecutive on-time payments.
Lending Club apologizes for any possible miscommunication. Mr. [redacted] is welcome to apply for a second loan in the future when he meets the qualifications.
Please let us know if there are any further questions on this matter. Mr. [redacted] is welcome to contact Lending Club Member Support directly via email [redacted]@lendingclub.com or phone XXX-XXX-XXXX Monday-Saturday, 6am to 5pm PST.

Thank you for giving Lending Club the opportunity to respond to [redacted].
Lending Club is an online marketplace connecting borrowers and investors. All consumer loans offered through our marketplace are unsecured, fully-amortizing loans that...

are originated and issued by WebBank, member FDIC.  Lending Club does not make, originate or issue any loans, and the loans through our marketplace are subject to a one-time lender origination fee.  Origination fees currently range between 1% and 6% of the loan amount, depending on the borrower’s loan grade (credit rating). The origination fee is considered a finance charge and is included, along with interest, in the calculation of the loan’s APR. The origination fee is paid directly from the proceeds of the loan so the net deposit to the borrower is the amount available for their use.
[redacted] began her application over the phone on 10/21/2016. At that time, we advised that the offers presented included a one-time origination fee, which is factored into the APR. [redacted] acknowledged this and agreed to proceed with the application. 
Prior to an applicant’s acceptance of a loan offer, the applicant is presented with an estimated Truth in Lending (TIL) disclosure that provides important terms of the loan including the APR, finance charge, and the one-time origination fee. Any origination fee in excess of 5% is refundable on a prorated basis over the term of the loan if the loan is paid in full prior to its maturity date.
On 11/02/2016, [redacted] contacted Lending Club via phone to request for her payoff balance. Upon refuting the balance due to the origination fee, Lending Club offered to cancel [redacted]’s loan on 11/3/2016. [redacted] advised she would like to keep the loan and her loan is now paid in full. As [redacted]’s origination fee was in excess of 5%, she received a refund of $147.51. 
We thank you again for the opportunity to respond to this complaint brought to your attention by [redacted]. To the extent that [redacted] has any further questions, please have her contact Lending Club directly by email at [redacted] or phone [redacted] Mon-Fri 6am-5pm PST.

Initial Business Response /* (1000, 5, 2014/08/27) */
Revdex.com Complaint Case # XXXXXXXX
Consumer: [redacted]
Case Opened: 2014-Aug-18
Consumer Complaint:
Alleged Payment Processing Error
Consumer's Desired Resolution:
Refund the consumer $60.00 for erroneous...

fees
Response:
Thank you for giving Lending Club the opportunity to respond to [redacted]'s Revdex.com (Revdex.com) complaint.
Records indicate Lending Club made multiple attempts to contact Ms. [redacted] by telephone and email between 8/7/2014 and 8/19/2014 to resolve a payment processing issue related to her account. We spoke with Ms. [redacted] on 8/19/2014 and resolved the issue during that telephone call.
In her Revdex.com complaint, Ms. [redacted] mentioned two $30.00 fees that were deducted from her bank account. To clarify, Lending Club did not debit any service fees from her bank account due to this accounting issue. These fees were debited by her bank. As a courtesy, Lending Club reimbursed $60.00 to Ms. [redacted] after our conversation with her on 8/19/14.
We apologize for any inconvenience experienced by Ms. [redacted] as a result of any misunderstanding that may have occurred between Lending Club and Ms. [redacted].
Please let us know if there are any further questions on this matter. [redacted] is welcome to contact Lending Club Member Support directly via email [redacted]@lendingclub.com or phone XXX-XXX-XXXX Mon-Sat. 6am-5pm PST.

I applied, they emailed me stating I was 100%approved for my full amount. 16 days after I applied I called for an update, they made me jump threw more hoops for documents and documents. Then they denied me. I am so confused! I should have look elsewhere

Initial Business Response /* (1000, 5, 2014/06/25) */
Thank you for the opportunity to respond to the complaint from Mr. [redacted].
Mr. [redacted] brings up the concern that his loan application was mishandled by Lending Club's Credit Review Team. Lending Club conducts an employment...

verification to protect our borrowers from security infringements and to meet our standards in proper identification and identity theft prevention.
Lending Club has been in contact with Mr. [redacted] by phone, and came to a conclusion that there was an error during the faxing of documentation for Mr. [redacted]'s employment verification. This was a mistake on Lending Club's part and we apologize for any inconvenience this may have caused Mr. [redacted].
We followed up with Mr. [redacted] to assist him with another application. The new application has been expedited and both Lending Club and Mr. [redacted] have agreed to the new terms of the loan.
We thank you again for the opportunity to respond to this complaint brought to our attention by Mr. [redacted]. Please let us know if there are any further questions on this matter. Additional questions may be directed to Lending Club Member Support directly via email [redacted]@lendingclub.com or phone XXX-XXX-XXXX Mon-Sat. 6am-5pm PST.
Initial Consumer Rebuttal /* (3000, 7, 2014/06/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Lending Cub rep by the name [redacted] at extension contacted me after Revdex.com followed up on my claim. Here is what I was promised but was never delivered. They told me that they could not reopen a loan once closed. [redacted] said to proceed with second loan at higher interest rate and Lending Club would credit my account the difference of my original payment and the new payment approx. $948 $26.33 x 36 months. I was also told by [redacted] of Lending Club that tegu would waive their loan fee and deposit it my bank account. If you weren't aware, Lending Club charges a fee which comes off the top of every loan. For example, Loan amount $18,000 - $900 loan fee = $17,100 deposited into your account. The loan fee changes depending on your interest rate. If I had received my original loan they screwed up, my fee would have been $720. So in the end, I am stuck with a loan which I didn't want and Lending Club failed to complete their promises of refunding me the $900 and $948. In my opinion they used bait and switch tack ticks. Lending Club Rep [redacted] will not return my phone calls now!
Final Business Response /* (4000, 9, 2014/07/11) */
Thank you for the opportunity to respond to the complaint from Mr. [redacted].
Mr. [redacted] brings up the concern that he did not receive a bonus that was agreed upon with his new Lending Club terms. We have given Mr. [redacted] a confirmation e-mail clarifying the status. We were also in contact with Mr. [redacted] via phone explaining him the bank processing times, which typically could take 3-5 business days, depending on the institution to be credited to a borrower's bank account. He has acknowledged the details of the time it takes to receive the funds and is happy with the result.
We thank you again for the opportunity to respond to this complaint brought to our attention by Mr. [redacted]. Please let us know if there are any further questions on this matter. Additional questions may be directed to Lending Club Member Support directly via email [redacted]@lendingclub.com or phone XXX-XXX-XXXX Mon-Sat. 6am-5pm PST.

Thank you for giving us the opportunity to respond to [redacted]’s Revdex.com complaint.
Investors should be prepared to hold any Note through its maturity, which is either 36 or 60 months following the date the Note is issued. Lending Club does offer their investors to liquidate...

their notes through a secondary market operated by [redacted] is a separate company from LendingClub in which LendingClub has no control over the application process.  
LendingClub records indicate Mr. [redacted]’s [redacted] application was approved on 8/7/2017. We attempted to call Mr. [redacted] on the same day to advise him that he is now able to trade Notes through [redacted] and to reiterate that since [redacted] platform is an open market there is no guaranty that a Note will sell.
If Mr. [redacted] wishes to liquidate his account, we can cancel his Automated Investing and he will be eligible to withdraw the income as it is available. LendingClub strives to provide the very best service to all our customers. We’re sorry we didn’t meet Mr. [redacted]’ expectations and appreciate his feedback. We’ll use his feedback to improve our service, and hope that we can regain his confidence in the future.
 
We thank you again for the opportunity to respond to this complaint brought to your attention by Mr. [redacted]. If Mr. [redacted] has any additional questions or concerns, please have him contact LendingClub directly by email at [redacted] or phone at [redacted], Mon-Fri 8am-5pm Pacific Time.

Thank you for giving Lending Club the opportunity to respond to [redacted] Revdex.com (Revdex.com) complaint. Borrowers may authorize Lending Club to automatically deduct monthly payments, additional payments or loan payoffs electronically via Automated Clearing House (ACH)...

transfers through a bank account of their choice. To complete the ACH transfer, Lending Club needs at least one business day's notice. After 2pm Pacific Time, we are operating on the next business day. Due to the timing of [redacted] call to Lending Club, we were unable to schedule the payoffs for his loans on the requested date of Friday 2/19/2016. We processed the transactions on the earliest date possible, which was the next business day, Monday 2/22/2016. We apologize for the confusion regarding the payment scheduling and congratulate [redacted] on paying off both of his loans. As a courtesy and to provide excellent customer service, Lending Club has refunded the interest that accrued on both of his loans from 2/19/2016 to 2/22/2016.If there are further questions regarding this matter, please have [redacted] contact Lending Club directly by email at [redacted] or phone [redacted] Mon-Sat 6am-5pm PST.

Initial Business Response /* (1000, 5, 2015/05/27) */
Thank you for giving us the opportunity to respond to [redacted]'s Revdex.com complaint. We understand Ms. [redacted] is disappointed, and we would like to clarify the pre-approval process.
Lending Club uses information provided by...

credit bureaus, including credit score, outstanding debt, payment history, and recent credit activity, to identify potential borrowers and send pre-approved loan offers.
At the time of loan application, Lending Club asks the applicant for other important information, such as the applicant's personal annual income and employment status. Because several weeks can pass [redacted] the pre-screening process and the actual application, we also request updated information from the credit bureaus. Both sets of information are used to determine if an applicant qualifies for a loan offer at that time.
Common reasons for being declined for a loan after receiving a pre-approved offer are that an applicant's current outstanding debt is too high relative to the applicant's personal annual income or that changes have occurred in the applicant's credit report since pre-screening. The specific reasons why Ms. [redacted]'s loan application was declined are provided in an adverse action notice, which can be viewed by logging into her Lending Club account summary.
Loans originated through the Lending Club platform are underwritten and made by WebBank, Salt Lake City, UT, member FDIC. Lending Club delivered the adverse action letter to Ms. [redacted] on behalf of WebBank.
Please note that the pre-screening process and loan application do not affect an applicant's credit score, because neither action is reported to credit bureaus as a hard credit inquiry. Ms. [redacted] is eligible to apply again for a loan via Lending Club in the future.
To ensure Ms. [redacted] does not receive any future unwanted contact from Lending Club, we removed her contact information from our email and direct mail marketing lists. If there are further questions regarding this matter, please have Ms. [redacted] contact Lending Club directly by email at [redacted]@lendingclub.com or phone XXX-XXX-XXXX Mon-Sat 6am-5pm PST.

I have had multiple loans with this company. Each time the process got more complicated. I have since moved to other lenders. The last loan I paid off with these folks, this year, 60 days ago, still shows on my credit report with a balance. Impossible to get someone with any ability to do anything on the phone, just platitudes, apologies and an assurance it should post as paid "soon". Stay away from this company, there are much better, and cheaper options with P2P lending. One phone call to customer support will convince you to go elsewhere.

Initial Business Response /* (1000, 5, 2015/11/09) */
Thank you for giving Lending Club the opportunity to respond to [redacted]' Revdex.com (Revdex.com) complaint.
To determine whether someone qualifies for a loan offer, Lending Club uses information provided by the credit bureaus,...

including credit score, outstanding debt, payment history and recent credit activity. We also request additional information, such as income and employment status. Both sets of information are used to determine if an applicant qualifies for a loan offer. The specific reasons why Ms. [redacted]' application was declined were provided in an adverse action notice, which she can view by logging into her Account Summary.
If Ms. [redacted] feels that the information in her credit report isn't correct, we encourage her to reach out directly to the credit reporting agency. She can do this through their websites:
TransUnion: www.transunion.com
Equifax: www.equifax.com
Experian: www.experian.com
Please note that the pre-screening process and loan application did not affect her credit score, because neither action is reported to credit bureaus as a hard credit inquiry. Ms. [redacted] is eligible to apply again for a loan via Lending Club thirty days after the date of her last application.
If there are further questions regarding this matter, please have Ms. [redacted] contact Lending Club directly by email at [redacted]@lendingclub.com or phone XXX-XXX-XXXX Mon-Sat 6am-5pm PST.
Initial Consumer Rebuttal /* (2000, 7, 2015/11/13) */
(The consumer indicated he/she ACCEPTED the response from the business.)