LendingClub Corporation

Initial Business Response / [redacted] (1000, 5, 2015/01/07) */ Thank you for giving Lending Club the opportunity to respond to [redacted] ***' Revdex.com (Revdex.com) complaint Ms [redacted] raises a concern about her loan with Lending Club, specifically, that she requested payment assistance and was not assistedLending Club records reflect that Ms [redacted] notified us of her new financial situation in May and that we presented a payment option that both fit within our guidelines and was agreeable to Ms*** Ms [redacted] has not performed as agreed Lending Club has informed Ms [redacted] that we are unable to refinance or modify her loan, as the investors and Ms [redacted] have contractually agreed to the terms of her loan noteAdditionally, our records indicate that the information reported to the credit bureaus accurately reflects the disposition of Ms***' loan We thank you again for the opportunity to respond to this complaint brought to our attention by Ms***To the extent Ms [redacted] has 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] (3000, 7, 2015/01/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) Because Lending Club is unwilling to bend or assist their customers in any way, the information provided to the credit report on my behalf is a charge-offThat means the funds to be repaid to investors have been greatly reduced, and my credit report is greatly marredThis is not the remedy I wished which is why I contacted the personnel at the Lending Club for assistance before I began falling behindTheir refusal to assist a [redacted] in need (who had previously paid off a loan more than years early) shows the heartless, ungiving nature of this companyEven after I requested a payment plan through the Revdex.com, they still turned me down I do not recommend Lending Club to anyoneIt is the first time my family and I have struggled financially in more than years...and unexpectedlyNow, with the aid of their terrible [redacted] , my credit score has dropped more than points

Initial Business Response / [redacted] (1000, 5, 2015/08/19) */ Thank you for giving us the opportunity to respond to [redacted] 's Revdex.com complaint On 7/11/15, Mr [redacted] contacted Lending Club to delay his July monthly paymentUnfortunately, due to human error, Lending Club applied the postponement request to his August payment insteadLending Club has apologized for this inconvenience and refunded the payment processed in error back to Mr [redacted] six days after the notificationLending Club will reimburse Mr [redacted] for any overdraft fees he has incurred as a result of this mistake pending receipt of a bank statement indicating the overdraft fees associated Lending Club received Mr [redacted] 's payoff check on 8/5/2015, and no interest accrued on his loan after that dayOur refund policy is to send any overage paid on a loan payoff back to the payeeIf a borrower sends in a payoff check from a third party, Lending Club will submit a refund check to that third partyLending Club apologizes for the confusion regarding this policy and has expedited Mr [redacted] 's refund per his requestLending Club sent a refund check on 8/13/via overnight delivery to the third party listed as the payee It is Lending Club's policy to report all account experiences to one or more of the major credit reporting agenciesOur records indicate Mr [redacted] 's loan is paid in full and all payments were received on-time or within grace periodTherefore, no negative information has been/will be furnished to credit reporting agencies regarding this account To 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

Thank you for giving Lending Club the opportunity to respond to [redacted] Revdex.com (Revdex.com) complaintUnder the Fair Credit Reporting Act (FCRA), consumer credit reporting agencies, such as [redacted] and [redacted] , 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 offersIf ** [redacted] is interested in opting out of Firm Offers of credit from all companies, she can contact the credit bureaus directly at [redacted] To comply with ** [redacted] request, Lending Club removed the following contact information from our mailing list effective 3/21/2016: [redacted] [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 causeAdditionally, if there's another name or address ** [redacted] would like us to remove from our marketing list, please have her contact Lending Club and we will promptly removeWe attempted to contact ** [redacted] upon receipt of this complaint to apologize for her experience and confirm the correct contact informationWe thank you again for the opportunity to respond to this complaint brought to your attention by ***To the extent that ** [redacted] has further questions, please have her contact Lending Club directly by email at [redacted] or phone at [redacted] Mon-Sat 6am-5pm PST

Thank you for giving us the opportunity to respond to [redacted] Revdex.com complaintWe're sorry to [redacted] was disappointed with his experience with Lending ClubPlease allow us to clarify our application process.As part of the application process, Lending Club may perform income verification to validate the income stated on the loan applicationLending Club requests documents from the applicant to verify their stated annual incomeAfter reviewing the documents provided, Lending Club determined that the documents and information provided did not support and verify the personal annual income stated on [redacted] application.Loans originated through the Lending Club platform are underwritten and made by [redacted] , [redacted] ***, UT, member FDICLending Club provided an adverse action notification to [redacted] describing the credit decision on behalf of [redacted] He can view the adverse action letter by logging into his Lending Club account.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 [redacted] is eligible to apply again for a loan via Lending Club in the futureWe apologize we did not met [redacted] expectationsWe hope to use his feedback to improve our service and continue to provide excellent customer serviceIf 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

Complaint: [redacted] I am rejecting this response because this is not accurateSincerely, [redacted] ***

Initial Business Response / [redacted] (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 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 know Lending Club reached out to Mr [redacted] to complete this identity verification four times during the application processPhone calls were made to all phone numbers listed on the application on 8/22/and on 8/26/A voicemail from Mr [redacted] was received on 9/1/and was forwarded to the loan reviewerThe loan reviewer followed up and called all numbers on file on 9/1/and on 9/2/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 amountSince time had passed since the previous application, Lending Club requests updated information from the credit bureausAny changes in recent credit activity could have an effect on the rates or approval of a new applicationLending 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 ClubLending Club has taken the necessary steps to ensure that Mr [redacted] will no longer receive mail or email solicitations from our companyWe 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 matterMr [redacted] is welcome to contact Lending Club Member Support directly via email [redacted] @lendingclub.com or phone XXX-XXX-XXXX Mon-Sat6am-5pm PST

Complaint: [redacted] I am rejecting this response because: this is not my account, I never got anything in the mail from them and this better be removed from my name before I file legal actionSincerely, [redacted]

I have attached the proof Thank you

Thank you for giving LendingClub the opportunity to respond to [redacted] ’s Revdex.com (Revdex.com) complaint LendingClub received [redacted] ’s payoff check on 8/4/ [redacted] contacted LendingClub on 8/8/and was informed that LendingClub had received her check and the payoff was being processedOnce the account reflects as paid in full, LendingClub will send a confirmation email 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 her contact LendingClub directly by email at [redacted] between 6:a.m– 5:p.mMonday through Friday, or 8:a.m– 5:p.m., Saturday Pacific Time

We constantly receive advertisements in the mail from this company saying we have been pre-approved I have tried multiple times to get approved and we have average credit and constantly DENIED CREDIT I wish they would stop the advertisements if they will not honor the pre-approvals Impossible to get approved!

[redacted] They contacted me yet again after being told NOT to...!! ( [redacted]

Thank you for giving us the opportunity to respond to [redacted] ***’s Revdex.com complaint While Lending Club appreciates the circumstances of [redacted] ***’s financial situation, we are unable to modify loan payments or the terms or her loan On 5/15/2017, Lending Club attempted to reach out to [redacted] to speak with her about establishing a direct relationship with us again, but we were unsuccessful Lending Club strives to provide the very best service to all of our customers, and we’re sorry we didn’t meet [redacted] ***’s expectations Should [redacted] have any additional questions, please have her contact [redacted] directly by phone at [redacted]

Initial Business Response / [redacted] (1000, 5, 2014/05/23) */ Revdex.com Complaint Case # XXXXXXXX Borrower: [redacted] Case Opened: 05/12/ 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 timeTo qualify for a second loan, a borrower must meet the current credit criteria for the second loan and have made either or consecutive on-time original contractual monthly payments on their existing Lending Club loan, depending upon the size and term of the existing loanIn the case of Mr [redacted] , his existing Lending Club loan requires consecutive on-time original contractual monthly paymentsFurthermore, 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 months of consecutive on-time payments Lending Club apologizes for any possible miscommunicationMr [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 matterMr [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, 7, 2014/02/21) */ Revdex.com Complaint Case # XXXXXXXX Borrower: [redacted] Case Opened: 02/05/ Consumer Complaint: Lending Club will not cancel a loan once it is issued Consumer's Desired Resolution: Refund Response: A Lending Club customer may withdraw a loan application at any time before the loan issuesMr***'s loan application was approved on 2/2/14, and his loan issued at 4:a.mPacific Standard Time on 2/5/The loan was issued two business days after his loan application was approvedAs Mr [redacted] stated in his Revdex.com complaint, he sent his withdrawal request to Lending Club on 2/5/His withdrawal request was sent to Lending Club and received via email less than ninety (90) minutes before his loan issued Both events, loan issuance and Mr***'s withdrawal request, occurred approximately two hours before Lending Club Member Support opened for business on 2/5/Lending Club Member Support is open for business Monday through Saturday between 6:a.mand 5:p.mPacific Standard Time As stated in his Revdex.com complaint, Mr [redacted] requested a refundLending Club contacted Mr [redacted] by telephone on 2/10/During that telephone call, Mr [redacted] stated that he had already used the loan proceeds and he has decided to continue with the loan obligation Initial Consumer Rebuttal / [redacted] (3000, 9, 2014/02/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) I did not decide to continue with the loan I had no choice after the days it took to get a response I was not going to sit on a loan and then continue to make the payments on the cards it was meant to consolidate in the "hopes" that I would get a resolution, additionally there was NO MENTION ON THE WEB SITE of the hours of operation NOR this "BEHIND THE SCENES" approval/issue process so the consumer has NO way of knowing the timeline of ANYTHING to the end user the hours could start from any point in timeso how is anyone to know when that clock starts? The case has been referred by the CFPB to the FDICI STAND BY MY ORIGINAL STATEMENT I notified the company before the loan was issuedThey did not offer to take the loan back at without interest or refund the $origination fee Final Business Response / [redacted] (4000, 11, 2014/03/13) */ Revdex.com Complaint Case # XXXXXXXX Borrower: [redacted] Case Opened: 02/05/ Response to [redacted] ***'s Rebuttal: Lending Club is located in [redacted] Lending Club Member Support is open for business Monday through Saturday, from 6:a.mto 5:p.mPSTOur hours of operation are visible and easily accessible on Lending Club's public website Mr [redacted] initiated an online Lending Club loan inquiry on 2/1/Lending Club presented him with seven (7) different loan optionsConsumers applying for a loan on the Lending Club site are under no obligation to formally apply for the loan choices that are offered to them by Lending Club After Mr [redacted] received his loan offers, he chose to submit an online loan application to Lending ClubOn 2/1/at 9:a.mPST, Mr [redacted] electronically signed and submitted a loan applicationMr***'s loan application was approved on 2/2/at 5:pm PST On the third business day after Mr***'s loan application was approved, Mr [redacted] sent a loan application withdrawal request to Lending Club via emailThe email withdrawal request was delivered to Lending Club at 2:am PST on 2/5/Mr***'s loan was issued at 4:am PST on 2/5/Thus, Mr***'s withdrawal request was delivered to Lending Club, during non-business hours, less than ninety (90) minutes before his loan issued Furthermore, Lending Club customers are required to complete the online bank verification to further indicate that they want to move forward with a loanOn 2/5/at 3:a.mPST, Mr [redacted] electronically verified his bank account for the transfer of his loan fundsOnce he verified his bank account, the requested loan was issued to himIf Mr [redacted] had not verified his bank account, the loan would not have been issued to him that morning As mentioned in our previous response, Lending Club Member Support opens at 6:am PST for businessAfter Lending Club Member Support had opened for business on 2/5/14, a representative did contact Mr [redacted] to inform him that he had the option to prepay his Lending Club loanThe payoff amount includes the full amount of the loan and the first month's interest which is owed to the investors who funded his loan On 2/6/14, Lending Club was notified of Mr***'s Revdex.com complaintIn response to Mr***'s Revdex.com complaint, Lending Club contacted Mr [redacted] by telephone on 2/10/During that telephone call, Mr [redacted] stated that he had already used the loan proceeds to pay his credit card bills and was choosing to keep the loan

Thank you for giving us the opportunity to respond to [redacted] Revdex.com complaint.We are sorry that [redacted] customer service experience did not meet his expectations.We were able to speak with [redacted] via phone on 3/28/to address his concerns and thank him for his feedbackWe hope to use his feedback to improve our serviceWe provided [redacted] our contact information via phone; however, if would like to discuss Lending Club's application process further, please have him contact our Customer Advocacy department at [redacted] ***, 6am to 5pm, Monday through Friday Pacific Standard Time

Thank you for giving Lending Club the opportunity to respond to [redacted] Revdex.com (Revdex.com) complaintUnder the Fair Credit Reporting Act (FCRA), consumer credit reporting agencies, such as [redacted] and [redacted] , 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 must have the name and address as it appears on the mailer in order to ensure that a consumer no longer receives direct mail solicitationsLending Club spoke with [redacted] via phone on 3/11/and confirmed her contact informationBased on that information, we have removed her name and address from our marketing list effective 3/11/ [redacted] should allow three to five weeks from the effective date to no longer receive mail from Lending ClubWe apologize for any inconvenience this may causeWe thank you again for the opportunity to respond to this complaint brought to your attention by [redacted] ***To the extent that [redacted] has further questions, please have her contact Lending Club directly by email at [redacted] or phone at [redacted] Mon-Sat 6am-5pm PST

Initial Business Response / [redacted] (1000, 5, 2015/07/13) */ Thank you for giving Lending Club the opportunity to respond to [redacted] L [redacted] 's Revdex.com (Revdex.com) complaint 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 OffersAdditionally, the solicitation includes a mailing address and email for consumers to specifically opt-out of communications from Lending Club The toll-free number that Ms [redacted] called, and is referring to in her complaint, is operated by the consumer credit reporting agencies, not Lending ClubThe agencies do require the consumer to provide their social security number in order to process the consumer's opt-out requestLending Club, however, only requires enough information to properly identify the mailing address, e-mail address, or telephone number the consumer wishes to opt-out To comply with Ms [redacted] 's request, Lending Club has removed her name and address from its mailing listPlease note that Ms [redacted] may continue to receive Firm Offers from other companies unless she contacts the consumer reporting agencies directly We thank you again for the opportunity to respond to this complaint brought to your attention by Ms [redacted] If Ms [redacted] has 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] (3000, 7, 2015/07/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is not satisfactory the number listed on there stationary Lending Club and a 1-number so you need to remove me and anyone at this addressAre I will refer to the Federal Trade Commission for unwanted soliction Final Business Response / [redacted] (4000, 9, 2015/07/28) */ Thank you for giving Lending Club the opportunity to respond to [redacted] L [redacted] 's Revdex.com (Revdex.com) complaint We've received your request to opt out of marketing from Lending ClubWe have removed you and your household contact information from our mailing list: [redacted] @yahoo.com [redacted] XXXXX Ronald [redacted] XXXXX If there's another email or snail mail address where you've been receiving information from us, please let us know and we'll remove that one from our lists too We thank you again for the opportunity to respond to this complaint brought to your attention by Ms [redacted] If Ms [redacted] has any additional questions or concerns, please have her contact us by email at [redacted] @lendingclub.com or toll free at (XXX) XXX-XXXX between 6:a.m- 5:p.mPacific Time, Monday through Saturday

Initial Business Response / [redacted] (1000, 5, 2015/07/21) */ Thank you for giving us the opportunity to respond to [redacted] 's Revdex.com complaintWe would like to clarify the loan withdrawal process An applicant may cancel their request for a loan through Lending Club any time before the loan is issued by contacting Lending Club and requesting to do soWe make every effort to process these requests in a timely mannerOnce a loan has issued, Lending Club is unable to withdraw it and borrowers will be responsible for repaying the loan, fees, and interest Mr [redacted] followed the withdrawal procedure, and Lending Club apologizes for not processing his withdrawal request in a timely mannerLending Club has been in contact with Mr [redacted] to address his concernsWe have processed the cancellation of the loan, and Mr [redacted] is not responsible for the loan principal or interestFurther, he will not incur any penalties or fees for this loan withdrawalFinally, Lending Club will ensure that this loan is not reflected on Mr [redacted] 's credit report We thank you 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 XXX-XXX-XXXX Mon-Sat 6am-5pm PST

Initial Business Response / [redacted] (1000, 5, 2015/04/15) */ Thank you for giving Lending Club the opportunity to respond to [redacted] 's Revdex.com (Revdex.com) complaint We understand that Mr [redacted] is disappointed, and we would like to clarify our application processWe consider a number of factors when evaluating loan applicationsUnfortunately, Mr [redacted] 's application was not a match with the stringent credit criteria that we use to determine eligibility As part of the application review, Lending Club follows an income verification process to validate the annual income a potential borrower states on the loan applicationLending Club requested documents from Mr [redacted] to verify his stated incomeAfter reviewing the documents he provided, Lending Club denied his loan application because the documents did not support and verify the income he stated on his applicationPlease note that the pre-screening process and loan application do not affect his credit score, because neither action is reported to credit bureaus as a hard credit inquiry Mr [redacted] can access his Account to read more about the factors that led to this decision on the adverse action notice sent to himThough we are unable to reinstate his loan application, we do understand that financial situations can change so Mr [redacted] is welcome to reapply for a loan through Lending Club in the future To 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 Consumer Rebuttal / [redacted] (3000, 7, 2015/04/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) I understand the stringent criteria that you use for your loansHowever if you refer to the phone call that you have recorded in which I spoke with [redacted] and a managerShe herself on the phone said they didn't follow the correct proceduresWhile my income didn't match it is because you asked for my most recent tax formsI had not yet filed for so I sent In I was making a significant amount more money than I am making nowYou guys also kept asking for my annuity and pension income in which case I mentioned multiple times that I don't have that kind of incomeAs I spoke with this manager they themselves mentioned that Lending club couldn't verify my income and employmentHowever, she also mentioned after looking closer that my employment was in fact verified along the wayI just started this job in January and the manager mentioned the person working on my account must have made a mistake because they could have asked me for my last pay stubs to verify incomeInstead of taking all the correct actions my loan reviewer cut corners and simply denied the applicationI would have been more than happy to submit my tax return once I had filed it if that would have been preferredPerhaps, as I mentioned on the phone to the manager, lending club finds it best practice to not approve any loans for anyone that has been at a job for less than a yearIf that is the case then they need to mention that information so that people in my position don't spend a month and a lot of time on something like this Final Business Response / [redacted] (4000, 9, 2015/05/04) */ Thank you for giving Lending Club the opportunity to respond to [redacted] 's Revdex.com (Revdex.com) complaint Our records indicate Mr [redacted] submitted an application with Lending Club on 3/12/During one of the conversations Mr [redacted] had with one of our representatives, he disclosed information regarding his employment status to Lending ClubBased on his explanation, Lending Club requested the appropriate documents that would verify the income he stated on his applicationAfter reviewing the documents, Lending Club determined it did not support the income Mr [redacted] stated on his application and his loan application was deniedSince Lending Club is unable to reinstate an application once it has been declined, we invited Mr [redacted] to reapply Mr [redacted] has recently submitted a second application with Lending ClubMr [redacted] was able to provide further documentation to support the income stated on his applicationDue to this new information, Lending Club was able to approve this applicationWe hope this satisfies Mr [redacted] 's request for a loan through Lending Club We thank you again for the opportunity to respond to this complaint brought to your attention by Mr [redacted] Please let us know if there are any further questions on this matterAdditional questions may be directed to Lending Club Member Support directly via email [redacted] @lendingclub.com or phone XXX-XXX-XXXX Mon-Sat6am-5pm PST Final Consumer Response / [redacted] (2000, 11, 2015/05/08) */ (The consumer indicated he/she ACCEPTED the response from the business.) Lending club allowed me to re-apply for a loan and gave me the opportunity to prove my current income this time through requesting a copy of my last two pay stubsThank you lending club for being fair in the process and for allowing me to re-apply

Initial Business Response / [redacted] (1000, 5, 2015/05/21) */ Thank you for giving us the opportunity to respond to [redacted] 's Revdex.com complaintWe 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 statusBecause several weeks can pass [redacted] the pre-screening process and the actual application, we also request updated information from the credit bureausBoth sets of information are used to determine if the 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-screeningThe 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 FDICLending 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 inquiryMs [redacted] is eligible to apply again for a loan through Lending Club in the future We apologize for any inconvenience this may have caused Ms [redacted] 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 listsIf 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