LendingClub Reviews, Complaints & Contacts

Contacts

PhoneEmailAddress

• Official website (lendingclub.com now opens happen.com)lendingclub.com ↗

Customer service & general contact

• Customer service and general questions888-596-3157 1 complaint mentions this number
• Help Centerhappen.com/help ↗

Cancel, billing & returns

• Loan payments and cancelling autopay844-227-5011
• Loan payoff amount and final payment by phone855-408-1375
• Loan payments, payoff amount and payment trouble[email protected]

Locations

• Headquarters88 Kearny Street, Suite 600 San Francisco CA 94108

Is LendingClub Legitimate?

BBB, CFPB, Trustpilot

Legal name

Happen, Inc.

Founded

2006

Business type

Publicly traded U.S. bank holding company (Nasdaq: HAPN, formerly NYSE: LC); its bank subsidiary Happen Bank, N.A. (formerly LendingClub Bank, N.A.) offers personal loans, auto refinancing and deposit accounts

Website

lendingclub.comSource: lendingclub.com, Happen Bank website, checked 2026-10-28

Headquarters

San Francisco, CASource: checked 2026-10-28

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Reviews & Complaints on USAComplaints

USAComplaints currently maintains 4 historical complaints about LendingClub, published between 2011 and 2012. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources on this page.

• Personal Loan Closed After Investors Funded About 14300 USDPublished Aug 16, 2012 · Historical consumer allegation
• Pre-Approval Letter Led To Loan Cancelled For Lack Of DocumentationPublished May 17, 2012 · Historical consumer allegation
• GetMyOffer.com False Offer, Don't Bother ApplyingPublished Dec 13, 2011 · Historical consumer allegation
• Loan Denied Over Business Income and Husband Not On ApplicationPublished Sep 22, 2011 · Historical consumer allegation

Complaint record: CFPB, BBB, Trustpilot and this site

The counts on this page come from different systems that use different rules, so they are not added together.

CFPB Consumer Complaint Database. The company is listed as "Lending Club Corp", with 1,486 complaints received between April 7, 2015 and April 19, 2022. By the database's product labels, 531 concern "Payday loan, title loan, or personal loan", 431 credit reporting, 295 debt collection, 92 "Consumer Loan" and 76 checking or savings accounts. The most frequent issues are "Incorrect information on your report" (345), "Attempts to collect debt not owed" (153) and "Problem when making payments" (150). The company closed 1,270 with an explanation, 142 with non-monetary relief and 74 with monetary relief; 161 responses are marked as not timely.

BBB. The BBB profile for Happen Bank in San Francisco shows the business as BBB Accredited with an A+ rating and 962 complaints filed in the last 3 years, along with 600 customer reviews. BBB opened its file on the company, then listed as Lending Club, on April 15, 2010 and gives the accreditation date as January 1, 2008 and the business start date as October 2, 2006. BBB describes its letter grade as its opinion of how a business is likely to interact with customers; it does not grade loan prices or terms.

Trustpilot. Trustpilot's page for Happen Bank shows a TrustScore of 4.7 from 14,941 reviews. The profile has been claimed by the company since October 2019, the company pays for a Trustpilot subscription, and Trustpilot reports that it replied to 68% of negative reviews.

This site. 4 published complaint reports are linked to this profile. The linked reports were written in 2011 and 2012, when LendingClub loans were still funded by individual investors. One describes an application denied after a pre-approved offer arrived by mail. The other three describe loans that investors had already funded but that the company then refused or closed: one over income documents and a name on the bank account, one for lack of documentation after the applicant had sent tax and pay records, and one without notice. They are individual accounts, and the company's side is not recorded in them.

LendingClub, now Happen Bank: how to pay, stop autopay, pay off or complain

The lender formerly called LendingClub has operated as Happen Bank since June 22, 2026. Addresses on lendingclub.com now open the matching pages on happen.com, which are titled "Happen Bank, formerly LendingClub", and the footer says credit and deposit products are provided by Happen Bank, N.A., Member FDIC, a wholly-owned subsidiary of Happen, Inc. Letters, statements and the app may carry either name.

Reach the company. The privacy notice lists 888-596-3157 for questions, and BBB lists the same number. The Help Center article on payments gives 844-227-5011 for payment questions and for cancelling autopay, and [email protected] for payment questions by email.

Payments and autopay. The Help Center says you can change the bank account used for autopay in the Member Center under Settings, then Payment Methods, and that to cancel autopay you call 844-227-5011. It advises setting up autopay 5 days before the due date so the payment drafts on time.

Fees and grace period. The Help Center says there is no prepayment fee or penalty for paying a loan off ahead of schedule, and that all borrowers get a 15-day grace period to make a payment without penalty; after that a late fee or other penalty may apply.

If an application is declined. The Help Center says the specific reasons are in the Adverse Action notice on the Loan Documents page of the Member Center. Applying triggers a soft credit inquiry that does not affect your credit score.

Cancelling a loan. The Help Center article on cancelling an application says to call immediately if you want to cancel, that once a loan is funded there is only a limited time to cancel and the window depends on the loan type, and that you should keep all of the loan money in your account so it can be withdrawn. For Patient Solutions loans arranged through health care providers, it says the full amount must be refunded within 30 days of funding to have interest waived, and gives 800-630-1663; the Happen contact page lists the same number, Monday to Friday 5 am to 5 pm and Saturday 8 am to 5 pm Pacific Time, for Financing Solutions loan applications. Call as soon as you decide, and confirm the deadline for your loan type on that call.

Paying a loan off. The article "How do I pay off my loan?" says you can pay off online: sign in to the Member Center, choose Make an Extra Payment in the Upcoming Payments section, then Pay Off Your Loan and Pay Online Now; the review page shows the payoff amount before you confirm. The balance on the account homepage does not include interest accrued since your last payment, so for the exact amount call 855-408-1375 or email [email protected]; you can also pay off by phone at the same number, with your bank account details ready. A payoff may take up to four business days to process and up to 60 days to show on your credit report.

Keep a paper trail. Save the loan offer, the Truth in Lending disclosure, any Adverse Action notice, payment confirmations, and the date, time and name for every phone call. A regulator or the company's complaint team will ask for them.

If the company does not fix it. Send a written complaint to the company first and keep a copy. Then:

• CFPB: file at consumerfinance.gov/complaint for problems with a loan, payments, collection or a bank account. The CFPB forwards the complaint to the company, which generally responds within 15 days. Include the key dates, amounts and documents in your first complaint.
• OCC: Happen Bank is a national bank, so its federal regulator is the Office of the Comptroller of the Currency. File online at HelpWithMyBank.gov or call OCC Customer Assistance at 1-800-613-6743.
• Credit report errors: dispute the entry with each credit bureau that shows it and with the bank as the company that furnished the data.
• Impostor calls or emails: report messages that impersonate the bank to [email protected] and to the FTC at ReportFraud.ftc.gov.
• State: your state attorney general's consumer protection office also accepts complaints about lenders.

Government actions: the FTC case alleging hidden fees (2018-2022)

FTC v. LendingClub Corporation (federal court, San Francisco). The FTC sued in April 2018. According to the FTC's case page, it charged that the company "falsely promised loan applicants that they would receive a specific loan amount with 'no hidden fees,'" when it deducted hundreds or even thousands of dollars in up-front fees from loans, told consumers they were approved for loans when they were not, and took money from consumers' bank accounts without authorization. The FTC's 2021 press release adds that, according to the complaint, the company also withdrew double payments and charged consumers who cancelled automatic payments or paid off their loan, which led to overdraft fees. These are the FTC's allegations in the complaint. The same press release says that in an earlier ruling "the court found that LendingClub falsely told loan applicants that their loans were 'on the way' and '100% Backed'".

Outcome. On July 14, 2021 the FTC announced that LendingClub "agreed to pay $18 million" to settle the charges. The press release says the settlement bars the company from making misrepresentations to loan applicants and requires it to clearly and conspicuously disclose the amount of any prepaid, up-front or origination fee and the total amount of funds borrowers will receive. The Commission approved the stipulated order by a 4-0-1 vote, and it was filed on July 14, 2021 in the U.S. District Court for the Northern District of California. In the order the company neither admits nor denies the complaint's allegations, apart from the facts needed for jurisdiction. The FTC's release does not include a statement from the company.

Lawsuits and the company's own legal disclosures

Court records

The borrower case. The best-known lawsuit over how LendingClub treated loan applicants is the FTC case described under Government actions: filed in April 2018 in federal court in San Francisco and settled in July 2021 for $18 million.

Court & Public Records

Happen, Inc.: who operates LendingClub and Happen Bank

Who operates it. The parent company is Happen, Inc., a Delaware corporation with its principal offices at 88 Kearny Street, Suite 600, San Francisco. Its Form 8-K reports that it changed its name from LendingClub Corporation effective June 22, 2026 and on the same day moved its stock from the New York Stock Exchange (symbol LC) to the Nasdaq Global Select Market (symbol HAPN). Its wholly-owned bank changed its name on that date from LendingClub Bank, National Association to Happen Bank, National Association. The company says it was founded in 2006.

What it sells. The annual report for 2025 lists unsecured fixed-rate personal loans, auto refinance loans, financing for elective medical and other large purchases, high-yield savings, checking and certificates of deposit, and SBA-program business loans. The company describes itself as a digital marketplace bank: it keeps some of the loans it makes and sells others to investors. Its Financing Solutions page describes payment plans for medical, dental and wellness costs and other large retail purchases, with loan amounts up to $65,000.

Company Relationships

• Affiliated withHappen Bank, National Association

Frequently Asked Questions