LendingClub Corporation

Initial Business Response / [redacted] (1000, 5, 2014/05/19) */ Revdex.com Complaint Case # XXXXXXXX Borrower: [redacted] Case Opened: 05/07/ Consumer Complaint: Lending Club denied loan based on inaccurate review of documents Consumer did not receive a personal response to emails Lending Club collects too much personal information Consumer's Desired Resolution: Personal information destroyed Thank you for the opportunity to respond to the complaint from Ms [redacted] Ms [redacted] states that Lending Club was inaccurate in the review of her documents As part of our process, Lending Club follows an income verification process to validate the annual income a potential borrower states on the loan applicationLending Club requested documents from Ms [redacted] to verify her personal annual income that she stated on the applicationWe requested her most recent tax return as part of the required documentsMs [redacted] submitted her tax return since her tax return had not been filed yetAfter reviewing the documents provided, Lending Club denied the loan application because the documents submitted did not support and verify the income stated on the applicationMs [redacted] is welcome to re-apply when the documentation that can verify her stated income is available for review Ms [redacted] also said that she did not get a personal response to her email inquiries Lending Club provides email support through all phases of the application processHowever some questions are better answered with a phone callIf Ms [redacted] has any further questions, she is welcome to contact us by phone XXX-XXX-XXXX from Monday through Saturday 6am to 5pm PST The other issue Ms [redacted] refers to is how Lending Club handles personal information The privacy and the protection of sensitive personal information are important to Lending ClubLending Club takes strong steps to safeguard personal and sensitive information through vigorous physical, electronic and operational policies and practicesIn compliance with applicable laws and regulations, there are certain reporting and information retention requirements with which Lending Club must complyAs a result, Lending Club cannot remove Ms [redacted] 's personal informationLending Club's privacy policy can be found at: https://www.lendingclub.com/public/privacy-policy.action or by visiting Lendingclub.com We thank you for the opportunity to respond to this complaint brought to our attention by Ms [redacted] Please let us know if there are any further questions on this matterMs [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

Initial Business Response / [redacted] (1000, 5, 2015/05/27) */ Thank you for giving us the opportunity to respond to [redacted] ***'s Revdex.com complaintWe understand Mr [redacted] is disappointed, and we would like to address his concerns regarding the loan application process and how it affects his credit Checking rates for a loan through the Lending Club marketplace does not impact a consumer's credit score because it results in a "soft" credit inquiryUnlike a "hard" credit inquiry, which may be visible to future creditors, a soft inquiry does not negatively impact a consumer's credit score and can only be seen by the owner of the credit profile In order to determine potential loan offers and rates, Lending Club must be able to access an applicant's credit profileTherefore, every consumer requesting a loan through Lending Club must authorize WebBank and Lending Club to obtain consumer reports and related information from one or more consumer reporting agencies, such as TransUnion, Experian, and EquifaxLending Club will not process a loan request without the [redacted] 's full authorization When Mr [redacted] submitted an online loan request through Lending Club, he agreed to Lending Club's Terms of Use (https://www.lendingclub.com/info/terms-of-use.action) and Credit Profile Authorization (https://www.lendingclub.com/info/borrower-credit-profile-authorization.action) through electronic signatureThis allowed Lending Club to obtain his credit profile, which resulted in the soft credit inquiryAgain, this inquiry will not have a negative effect on his credit Loans originated through the Lending Club platform are underwritten and made by WebBank, a Utah-chartered Industrial Bank, member FDIC We attempted to reach out directly to Mr [redacted] to explain the above informationTo the extent that Mr [redacted] has further questions, please have him contact Lending Club directly by email at [redacted] @lendingclub.com or phone XXX-XXX-XXXX Mon-Sat 6am-5pm PST

Initial Business Response / [redacted] (1000, 5, 2014/04/11) */ Revdex.com Complaint Activity Report Case # XXXXXXXX Borrower Name: [redacted] Lending Club Loan No.: N/A Lending Club is in receipt of Revdex.com (Revdex.com) complaint case number XXXXXXXXLending Club is aware of the situation referenced in the complaint to the Revdex.comThe circumstances of the event to which [redacted] has fallen victim are not the result of any actions by Lending Club or its affiliatesWe are sorry to report that Mr [redacted] was defrauded by a scheme that has been ongoing over the last several months where the Lending Club name is used is to entice victims to pay up-front fees for non-existent loans It appears that after a victim has applied for a loan on-line through an unaffiliated website, the applicant's loan request information is somehow obtained by the fraudstersThe fraudster then contacts the applicant/victim using the Lending Club nameThey promise the applicant that they can obtain a loan through Lending Club by paying an application feeIn some instances, the fraudsters return to the same consumer multiple times requesting additional funds in exchange for securing a loanFunds are usually transferred to the fraudsters through the use of a Green Dot or Vanilla Visa card (or similar device), companies with whom Lending Club has no relationship All loans obtained through the Lending Club platform are made without any application fee and are funded by WebBank, a Utah Industrial BankInformation regarding the relationship between Lending Club and WebBank may be found on our website at lendingclub.com Regrettably, Mr [redacted] is another victim of this schemeHe is not a consumer who has engaged in any transactions with Lending Club and as such there is no record of his activities within our systemThe people he spoke with were part of the fraud scheme The Lending Club Fraud Department has spoken to Mr [redacted] He now understands that he is a victim of this scamLending Club recommended that Mr [redacted] add a fraud alert to his Credit bureau report as well as file a complaint with the FTC To date, to our knowledge, these fraudsters have not been found and continue to prey upon their victims Lending Club continues to work with consumers and any and all appropriate and willing law enforcement agencies to find and prosecute these criminals (FBI Complaint Id: IXXXXXXXXXXXXXXXX, FTC Complaint Id: XXXXXXXX)The United States Secret Service (USSS), San Francisco chapter, met with Lending Club on 11/13/to discuss this issueThe USSS has launched their investigation

Initial Business Response / [redacted] (1000, 5, 2014/08/20) */ Revdex.com Complaint Activity Report Case # XXXXXXXX Borrower Name: [redacted] Lending Club is in receipt of Revdex.com (Revdex.com) complaint case number XXXXXXXXLending Club is aware of the situation referenced in the complaint to the Revdex.comThe circumstances of the event to which Ms [redacted] has fallen victim are not the result of any actions by Lending Club or its affiliatesWe are sorry to report that Ms [redacted] was defrauded by an ongoing scheme where the Lending Club name or a variation of Lending Club is used to entice victims to pay up-front fees for non-existent loans It appears that after a victim has applied for a loan online through an unaffiliated website, the victim's loan request information is somehow obtained by the fraudstersThe fraudster then contacts the victim using the Lending Club name or a variation of Lending ClubThey promise the victim that they can obtain a loan through Lending Club by paying an application feeIn some instances, the fraudsters return to the same victim multiple times requesting additional funds in exchange for securing a loanFunds are usually transferred to the fraudsters through the use of a Green Dot or Vanilla Visa card (or similar device), companies with whom Lending Club has no relationship All loans obtained through the Lending Club platform are made without any application fee and are funded by WebBank, a Utah Industrial BankInformation regarding the relationship between Lending Club and WebBank may be found on our website at lendingclub.com Regrettably, Ms [redacted] is another victim of this fraud schemeShe is not a consumer who has engaged in any financial transactions with Lending ClubThe people she spoke with were part of the fraud schemeThe application fees delivered by Ms [redacted] were not sent to Lending Club; they were likely sent directly to the fraudsters The Lending Club Fraud Department has reached out to Ms [redacted] to contact usUpon contacting us, we will advise her that she is a victim of this fraud scheme and will recommend that she add a fraud alert to her Credit bureau report as well as file a complaint with the FTC To our knowledge, these fraudsters have not been found to date and continue to prey upon their victims Lending Club continues to work with consumers and any and all appropriate and willing law enforcement agencies to find and prosecute these fraudsters (FBI Complaint Id: IXXXXXXXXXXXXXXXX, FTC Complaint Id: XXXXXXXX)The United States Secret Service (San Francisco chapter) met with Lending Club on 11/13/to discuss this issue and has since launched their investigation

Poor experience! They responded to my application saying my request had been funded Then they asked for a copy of my tax return, pay stubs and a release to get infofrom the IRS I provided all of that and they then told me they couldn't fund my loan because my income wasn't sufficient enough! What? The documentation I provided supported the income I stated on my application that they told me was funded I then applied to [redacted] and I was approved and funded within days Look at their response to negative reviews It's the same canned response you get when they deny you

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 or months following the date the Note is issuedLending 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/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 availableLendingClub strives to provide the very best service to all our customersWe’re sorry we didn’t meet Mr [redacted] ’ expectations and appreciate his feedbackWe’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

Initial Business Response / [redacted] (1000, 5, 2015/01/27) */ Thank you for giving Lending Club the opportunity to respond to [redacted] 's Revdex.com (Revdex.com) complaint The toll-free number included in the Lending Club solicitation that Ms [redacted] received is the Consumer Credit Reporting Industry Oand Opt-Out toll-free telephone numberThis number is provided for consumers who receive Lending Club solicitations and would like to be removed from receiving "pre-screened" offers from Lending Club and other companiesThese credit offers originate from the Consumer Credit Reporting Industry, not Lending ClubUnder the Fair Credit Reporting Act (FCRA), consumer credit reporting companies such as Transunion and Experian are permitted to include your name on lists used by creditors or insurers to make firm offers of credit or insurance not initiated by you ("Firm Offers")The FCRA also provides you the right to "Opt-Out", which prevents consumer credit reporting companies from providing your credit file information for Firm Offers To comply with Ms [redacted] 's request, we have removed her name and mailing address from our marketing database to ensure that she will no longer receive mail solicitations from Lending Club We thank you again for the opportunity to respond to this complaint brought to our attention by Ms [redacted] If Ms [redacted] as any further questions or concerns, please have her contact Lending Club directly by email at [redacted] @lendingclub.com or phone XXX-XXX-XXXX Mon-Sat6am-5pm PST Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/02/03) */ (The consumer indicated he/she ACCEPTED the response from the business.) I am satisfied with the result of being removed from the listingThank you very much for your help

Initial Business Response / [redacted] (1000, 5, 2015/07/30) */ Thank you for giving Lending Club the opportunity to respond to [redacted] 's Revdex.com (Revdex.com) complaint Please be assured that we take privacy and security seriouslyOur security measures comply with federal law and are designed to meet or exceed rigorous industry standards for financial institutionsLending Club has a policy and specific procedures for identity theft claims which include a notarized affidavit of identity theft be submitted with a police incident reportLending Club also conducts thorough internal investigations to determine if a loan has been fraudulently obtainedWe cannot complete our internal investigation without receiving all requested documentation As of the time of this complaint, Lending Club is still waiting for local law enforcement authorities to complete their investigation of Mr [redacted] 's allegations of fraudOnce complete, we will update Mr [redacted] 's loan account status and credit bureau reporting to reflect investigation results Lending Club is committed to absolute integrity and ethical employee conductOur employee Standards of Conduct include very specific guidelines concerning the safeguarding of confidential [redacted] informationIn general, these guidelines limit employee access to confidential information and limit the use and disclosure of such information to specifically authorized processes and transactionsIf it is determined that an employee has violated the Standards of Conduct, we may take disciplinary action up to and including termination After reviewing all communication between Mr [redacted] and Lending Club, we have determined our employees did not act inappropriately Also, Mr [redacted] stated in his Revdex.com complaint that the outstanding balance on this loan is being misreported on his credit reportWe researched and resolved this issueMr [redacted] may contact Lending Club Member Support for more information 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 Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) After reviewing the response from Lending Club, I am still dissatisfied with the current state of this matterAfter Contacting detective [redacted] of the 113th precinct, who personally handled my case, I requested he resubmit details regarding his investigation to The lending club corporationUpon receipt of those details, Mr [redacted] (fraud investigator) of the Lending club corporation responded to me with the following email: "Dear [redacted] , We understand that fraud was alleged on a loan issued on 8/19/in your nameUpon receiving your notarized ID Theft Affidavit and incident report, Lending Club opened a fraud investigation based on your claim After carefully reviewing the transactions of this loan and documentation provided, we have referred your claim to New York Police Department to determine if this matter was fraud or is otherwise criminally prosecutable, together with all available information on this loan application Recently, we have received a notice from New York Police Department describing its conclusion of the investigation, case number [redacted] (Loan ID XXXXXXXX), and it found no evidence to establish fraud or that any crime had occurred and that no further action will be taken" I spoke to detective [redacted] again after receiving this email, who told me that the lending club corporation in fact could remove the negative information based on the findings of his investigationNow Bear in mind that many identity theft victims do not know and may never know who stole or misused their personal information, how it was stolen, or other aspects of the crimeIf the victim cannot provide these kinds of details, or the police cannot find the person responsible for the theft, creditors should not assume the victim responsible or liable for the debtOver $20,of credit was given from one creditor to someone assuming my identityOnce again I will not be satisfied until this debt is removed from my credit report and the account is closedThank you Final Business Response / [redacted] (4000, 9, 2015/08/13) */ Thank you for giving Lending Club the opportunity to respond to [redacted] 's Revdex.com (Revdex.com) complaint At the time of this response, Lending Club has received notice from New York law enforcement authorities regarding their investigation of Mr [redacted] 's allegations of fraudBased on their findings, along with the investigation conducted internally by Lending Club, there is no evidence that the loan involved fraudLending Club has ensured that Mr [redacted] 's credit report reflects the fact that he has disputed the loanCommunication has been sent directly to Mr [redacted] , and Lending Club considers the investigation closed at this time It is Lending Club's policy to report all account experiences to one or more of the major credit reporting agenciesLending Club reports both positive and negative payment historiesLate payments, missed payments, or other defaults on a borrower's account may be reflected in their credit reportTo remain fair and partial to all borrowers, Lending Club is unable to make modifications or exceptions to their credit bureau reporting policy 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

Thank you for giving us the opportunity to respond to [redacted] ’s Revdex.com complaint Lending Club records indicate [redacted] checked his rates for a personal loan through the Lending Club marketplace on 6/6/via one of our affiliated partner websitesWe presented him with loan offers for the amount he requested, but he did not proceed forward in the application process Loans originated through the Lending Club platform are underwritten and made by [redacted] , member ***We attempted to contact [redacted] by phone on 6/8/to clarify the application process Single applicant personal loans through Lending Club do not consider household incomeIf he would like to re-apply with us, we offer the ability to apply with joint income by selecting our joint application optionThe option would allow [redacted] to include a co-borrower’s income and information 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 We thank you again for the opportunity to respond to this complaint brought to your attention by [redacted] To the extent that he has further questions, please have him contact Lending Club directly by email at [redacted] Mon-­Fri 6am - ­5pm PST and Sat 8am ­-5pm PST

Thank you for giving us the opportunity to respond to [redacted] ’s Revdex.com (Revdex.com) complaint LendingClub is an online marketplace connecting borrowers and investorsAll personal loans offered through our marketplace are unsecured, fully-amortizing loans that are originated and issued by WebBank, member FDICLendingClub offers borrowers three options for repaying their loanPayments can be automatically deducted from a verified bank account, checks can be sent, or borrowers can authorize one-time ACH payments by phone LendingClub provides payment flexibility by allowing borrowers to permanently move their payment due dateBorrowers may also make their monthly payment any time within days of the payment due date without incurring a late feeThe entire monthly payment amount is due each month and any portion not paid becomes past due, which may lead to a loan charging offAfter a loan is charged off, it may be sold to a debt buyer at any timeLendingClub records indicate [redacted] ’s loan was charged off on 10/31/and outsourced to [redacted] ***) It is LendingClub’s policy to report all account experiences to one or more of the major credit reporting agenciesLendingClub reports both positive and negative payment historiesLate payments, missed payments, or other defaults may be reflected in a borrower’s credit reportTo remain fair and impartial to all borrowers, we are unable to make modifications or exceptions to our credit bureau reporting policy.LendingClub strives to provide the very best service to all of our customersWe’re sorry we didn’t meet [redacted] expectations and appreciate his feedbackIf [redacted] would like to discuss payment options, he should contact [redacted] .We thank you again for the opportunity to respond to this complaint brought to your attention by [redacted] If [redacted] has further questions, please have him contact LendingClub directly by email at [redacted] or phone at [redacted] , Mon-Fri 6am-5pm Pacific Time and Sat 8am-5pm Pacific Time

I have been receiving calls for many weeksI have requested to be removed from their calling list a few dozen timesI am on the FTC do not call listMy most recent encounter resulted in the "employee" asking me if I "like to smell my underwear"Seriously?

Initial Business Response / [redacted] (1000, 5, 2014/02/27) */ Revdex.com Complaint Activity Report Case # XXXXXXXX Borrower Name: [redacted] Lending Club Loan No.: N/A Lending Club is in receipt of Revdex.com (Revdex.com) complaint case number XXXXXXXXLending Club is aware of the situation referenced in the complaint to the Revdex.comThe circumstances of the event to which Mr [redacted] has fallen victim are not the result of any actions by Lending Club or its affiliatesWe are sorry to report that Mr [redacted] was defrauded by a scheme that has been ongoing over the last several months where the Lending Club name is used is to entice victims to pay up-front fees for non-existent loans It appears that after a victim has applied for a loan on-line through an unaffiliated website, the applicant's loan request information is somehow obtained by the fraudstersThe fraudster then contacts the applicant/victim using the Lending Club nameThey promise the applicant that they can obtain a loan through Lending Club by paying an application feeIn some instances, the fraudsters return to the same consumer multiple times requesting additional funds in exchange for securing a loanFunds are usually transferred to the fraudsters through the use of a Green Dot or Vanilla Visa card (or similar device), companies with whom Lending Club has no relationship All loans obtained through the Lending Club platform are made without any application fee and are funded by WebBank, a [redacted] Industrial BankInformation regarding the relationship between Lending Club and WebBank may be found on our website at lendingclub.com Regrettably, Mr [redacted] is another victim of this schemeHe is not a consumer who has engaged in any transactions with Lending Club and as such there is no record of his activities within our systemThe people he spoke with were part of the fraud schemeThe application fees delivered by Mr [redacted] were not sent to Lending Club; it was sent directly to the fraudsters The Lending Club Fraud Department has spoken to Mr***He now understands that he is a victim of this scamLending Club recommended that Mr [redacted] add a fraud alert to his Credit bureau report as well as file a complaint with the FTC To date, to our knowledge, these fraudsters have not been found and continue to prey upon their victims Lending Club continues to work with consumers and any and all appropriate and willing law enforcement agencies to find and prosecute these criminals (FBI Complaint Id: IXXXXXXXXXXXXXXXX, FTC Complaint Id: XXXXXXXX)The United States Secret Service (San Francisco chapter) met with Lending Club on 11/13/to discuss this issueThe USSS has launched their investigation

Initial Business Response / [redacted] (1000, 5, 2014/05/06) */ Thank you for giving Lending Club the opportunity to respond to [redacted] ' Revdex.com complaint Lending Club offers personal and business loansOur prospective customers generally apply for a Lending Club loan directly through our website, www.lendingclub.com, or one of our affiliated partner websitesOur affiliated partners include, but are not limited to, Credit Karma, Mint and LendingTreeOur records indicate that Mr [redacted] ' Lending Club loan inquiry originated through Credit Karma's websiteThe e-mail Mr [redacted] received, was in reference to an Adverse Action notice stating the specific reasons why a loan application was declined on 4/4/ Please note that a Lending Club loan application does not affect an applicant's credit score because Lending Club does not report to the credit bureaus as a hard inquiry If Mr [redacted] believes that he is a victim of identity theft and someone fraudulently applied for a Lending Club loan in his name, we advise him to contact the three credit bureaus - TransUnion, Equifax and ExperianAlso, we welcome Mr [redacted] to contact Lending Club Member Support directly via email [redacted] @lendingclub.com, or phone XXX-XXX-XXXX Mon-Sat6am-5pm Pacific Standard Time if he has any additional concerns

Initial Business Response / [redacted] (1000, 5, 2015/11/17) */ Thank you for giving Lending Club the opportunity to response to [redacted] 's Revdex.com (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 theftOur 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 knowUnfortunately, to meet this high standard of proper identification and identity theft prevention we do not allow this step to be completed via emailThe aim is to protect our borrowers from security infringements, and we regret that this also prevents a portion of applicants from being approved for loansWe understand that potential borrowers may have varying schedules, so Lending Club agents are available Monday through Saturday from 6am to 5pm PST to help complete this step Ms [redacted] sent a request to withdraw her application if there were no alternative methods for completing the phone verificationBecause Lending Club is unable to alter the phone verification process to include other forms of communication, we complied with her request and withdrew her application 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 Ms [redacted] contact Lending Club directly by email at [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 Lending Club records indicate that upon notification of [redacted] ’s claim, our Fraud team initiated an investigation into her allegation of fraudA Lending Club Fraud investigator emailed and mailed a letter to the contact information she provided advising her to call us within days to further discuss her claim After speaking with [redacted] and reviewing the information she provided, Lending Club declined her fraud claim and closed the investigation An email was sent to her address on file on 5/9/explaining our determination Lending Club is an online marketplace connecting borrowers and investorsAll personal loans offered through our marketplace are unsecured, fully-amortizing loans that are originated and issued by [redacted] *** It is Lending Club’s policy to report all account experiences to one or more of the major credit reporting agenciesLending Club reports both positive and negative payment historiesLate payments, missed payments, or other defaults on your account may be reflected in your credit reportTo remain fair and impartial to all borrowers, we are unable to make modifications or exceptions to our credit bureau reporting policy However, it is also Lending Club’s policy to conduct a reasonable investigation into claims we receive alleging fraud and identity theft We thank you again for the opportunity to respond to this complaint brought to your attention by [redacted] If she has additional questions, please have her contact Lending Club directly by email at [redacted] or by phone at [redacted] , Mon-Fri 6am-5pm PST

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 offersLending 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 FDICThe 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 historyPlease 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] should allow three to five weeks from the effective date to no longer receive postal mail from Lending ClubWe 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

This transaction was top rate! Everything was handled on-line No phone conversations, no taking time off work to go to the bank, no hassles I submitted the requested documents electronically and received a conformation e-mail that the loan was funded within three days After that, the funds were deposited in my account within hours The monthly payments are drafted from my account and the entire process has been a joy!!! I would highly recommend this service to anyone!!!

Initial Business Response / [redacted] (1000, 5, 2016/02/04) */ Thank you for giving us the opportunity to respond to [redacted] 's Revdex.com complaint Lending Club records indicate Ms [redacted] has never had any relationship with Lending ClubThe circumstances of the event to which Ms [redacted] has fallen victim are not the result of any actions by Lending Club or its affiliatesWe are sorry to report that Ms [redacted] appears to be the victim of an ongoing scheme where the Lending Club name or a variation of Lending Club is used to entice victims to pay up-front fees for non-existent loans, also known as an Advanced Fee Scam It appears that after a victim has applied for a loan online through an unaffiliated website, the victim's loan request information is somehow obtained by the fraudstersThe fraudster then contacts the victim using the Lending Club name (or variation thereof), promising the victim that they can obtain a loan through Lending Club by paying an application feeIn some instances, the fraudsters return to the same victim multiple times requesting additional funds in exchange for securing a loanFunds are usually transferred to the fraudsters through the use of a Green Dot or Vanilla Visa card (or similar device), companies with whom Lending Club has no relationship All loans through Lending Club are made without any application fee and are funded by WebBank, a Utah Industrial BankInformation regarding the relationship between Lending Club and WebBank may be found on our website at lendingclub.com Regrettably, Ms [redacted] is another victim of this fraud schemeShe is not a consumer who has engaged in any financial transactions with Lending ClubThe people she spoke with were part of the fraud schemeThe application fees delivered by Ms [redacted] were not sent to Lending Club; they were likely sent directly to the fraudsters The Lending Club Fraud Department has spoken to Ms [redacted] She now understands that she is a victim of this scamLending Club recommended that Ms [redacted] add a fraud alert to her Credit Bureau report, file a complaint with the Internet Crime Complaint Center, and report the scam to her state's Attorney General To our knowledge, these fraudsters have not been found to date and continue to prey upon their victims Lending Club continues to work with consumers and any and all appropriate and willing law enforcement agencies to find and prosecute these fraudsters (FBI Complaint Id: IXXXXXXXXXXXXXXXX, FTC Complaint Id: XXXXXXXX)The United States Secret [redacted] (San Francisco chapter) met with Lending Club on 11/13/to discuss this issue and has since launched their investigation 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 Business Response / [redacted] (1000, 5, 2015/09/28) */ Thank you for giving us the opportunity to respond to [redacted] 's Revdex.com complaintWe understand that she was disappointed with her loan offers and concerned about account closure, so we'd like to explain In general our customers tell us that they're saving money with Lending Club versus their other options, but there are circumstances where that may not be the caseRates on loans through Lending Club range from 5.99% to 32.99% Annual Percentage Rate (APR) and are set for each individual [redacted] based upon the experience of facilitating billions of dollars in consumer loans through the Lending Club platformAt times, customers may be selected to participate in promotional programs, which feature loan offers with an APR lower or higher than this advertised range of rates Lending Club records indicate Ms [redacted] has no active application or loan through Lending ClubTo comply with Ms [redacted] 's request, Lending Club has removed her name, address, and email from our marketing listTo the extent that Ms [redacted] has previous applications or loans, Lending Club is required to keep records in accordance with the requirements of both federal and state lawWe are unable to remove such information from our records database until such time that the required record retention period expiresThis information can be viewed in our Privacy Policy which can found here: https://www.lendingclub.com/public/privacy-policy.action To the extent that Ms [redacted] has further questions, please have her contact Lending Club directly by email at [redacted] @lendingclub.com or phone XXX-XXX-XXXX Mon-Sat 6am-5pm PST

Initial Business Response / [redacted] (1000, 5, 2015/07/10) */ Thank you for giving Lending Club the opportunity to respond to [redacted] 's Revdex.com (Revdex.com) complaint Lending Club does not have a record of receiving a letter from Mr [redacted] We understand that he is upset, and we're sorry for any inconvenience our marketing materials may have causedTo ensure Mr [redacted] does not receive any future unwanted contact from Lending Club, we have complied with his request and removed his email and mailing address from our marketing list Please note that 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 offersLending Club direct mail solicitations include a toll-free telephone number, as well as addresses for each of the three major national credit reporting agencies, which consumers can call to opt-out of all Firm Offers Lending Club has opted out Mr [redacted] from our marketingIf he wishes to opt-out of Firm Offers from all companies, he should contact the credit agencies 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