Happen Bank Reviews

Lending Club preaproved me for a loan for a medical proceedure I needed. The day I was preapproved for the loan they started charging me interest on the loan, even though my procedure date was 4 weeks later. I paid the original loan amount off 2 weeks later. I went round and round with them to no avail. They want over $500 dollars in interest for a loan I paid off before I had the surgery.

If I could give less than one star, I would. "LendingClub" now Happen Bank has seriously harmed my business through REPEATED FAILURES, poor communication, and a complete lack of accountability. I own a veteran-owned business that also contributes consistently to Lupus-related charity work. Like any business, we rely heavily on cash flow and access to our funds. After fraud occurred on our company card, we promptly reported it and requested a replacement card so we could continue operating normally.

There may be some on here that might be legit, may not be, who knows, but the process that they gave me, I was supposed to go to Walmart and give the customer service rep for the MoneyGram a QR code. The manager's been there for 4 years. He told me that they don't use a QR code, it's a six or nine digit. Well I closed my account and opened up a new one. I don't see that I could trust them if they're not going to be legit.

In review for 12 days initially it was my fault. I submitted my social security benefit verification and 2 of my 3 jobs. I am 74 years old and working 3 jobs and collecting social security. Finally, I sent in my earning statement from my main job along with all my others. They said they couldn't count the "others". They made me resubmit the earning statement and still have not made decision. I am 74 years old, working 3 jobs and I honestly was confused. They make getting a loan really tough by delaying.

I have been using Lending Club Bank for several years for the high interest savings account. I have had no complaints about the ease of use of the online banking. It has been easy to make deposits and transfer as needed. However I now have 2 CDs. But they have limitations on when you can decide what to do with the money at maturity.

Very disappointed with the service I've received. The high interest savings account rate is great but my money was held ransom due to poor customer service along with app problems. I was unable to access my account even though I put in accurate user name and password. I had to call customer service several times to change my password (to my original password?) and they wouldn't let me change my phone number over the phone so I had to submit a photo of my Driver's License. I did that twice without any luck. I started this process on a Friday and by end of day it was not taken care of. Business offices closed down over the weekend so I had to wait until Monday to proceed further. Again, I could not access my account because verification process used former phone number, which is no longer active.

LendingClub is fine if you have money to pay them. But they took my Promissory Note(s) as collateral and never returned them or were honest about the fact that banks don't loan money, they borrow. So in fact, I loaned myself money, LendingClub got paid a huge fee for the transaction, and when I failed to make all the payments, LendingClub sold my data to three companies that are suing me for debt. Proceed with caution.

I got 18 months free interest on my loan. I set up monthly payments directly out of my checking account, I assumed the last payment would also be automatically deducted. But that was not the case. I found out that The Very Last payment was due in the same month as my previous payment. If I didn't notice this, my last payment would be late, I would have had to paid interest on it. This is a misleading trick. Good thing I caught it.

I received loan approval for $4,000.00 and advised to make a $120.00 payment by Apple Gift Card because attempt to remit the fee through CHIME flagged the transfer as suspicious. After insurance payment processed, I paid $200.00 which is high for any type transfer but I paid it as "refundable" which I know now is part of the scam.

I was informed that I needed to submit a paystub because linking my banking account is indeed not faster. I asked the representative how many check stubs he needed and he said only my most recent. I uploaded and confirmed receipt during the same conversation. More days pass, still no decision, so I call again. The new representative tells me I need to send in my last two paystubs! I send in my last 4 and again, confirm receipt during the conversation. By now we are on Oct 8, 2025.

This company lending club is a waste of people's time. If there are a company that is helping people establish credit why are you not approving individuals that have decent credit and decent jobs. It's a waste of time with LendingClub and I refer not to give any positive feedback with that company because every time you apply they decline you wasting your time. I would never recommend anyone to apply for any loan with that company.

I've been a long-time customer of LendingClub, but my recent experience has been nothing but ridiculous and fraudulent. I paid off my loan ahead of schedule and was due a refund for both an origination fee and an overpayment credit. While they correctly refunded the origination fee ($120), they have been withholding over $1,000 due back to me for almost 2 months. They continue to give me bullshit account numbers that it was deposited to, that I have never heard of and they are claiming that it is now my problem LOL.

BEWARE — Deceptive lending practices. LendingClub will automatically deposit funds into your bank account without requiring any documents to be signed to accept the terms & conditions. They require you to sign off on all required documents during the application process. They don’t make it clear that you need to cancel or they will deposit the funds automatically. The do not give you much time to cancel after the funds are deposited, so watch your bank account. They are refusing to make things right. They have horrible reviews for similar issues. I wish we would have known. They said we can “make a payment” with the funds they deposited but we will owe the $340 processing fee plus interest.

They lure you in with a personal loan, (harassing at times), and when you hit a rough patch, run up high numbers of penalties as well as high interest rates, then threaten to sue you to pay it back, which destroy potential earning to back it back as well as reputational damage. Predators compared to other personal loan offers, which settle at much lower numbers.

My experience with Lending Club was mediocre at best. Difficult to communicate with this company, and when I could get through, I was told different things by 2 different people for the same issue. And twice they made errors processing my autopay. Plus, bi-weekly payments aren't an option without jumping through many hoops. They only want one payment per month, period. I ended up being so frustrated with them, I got different consolidation loan with another company and with that I paid Lending Club off so I wouldn't need to deal with them anymore.

I will stipulate that the process *may* be better if you are able to utilize the Plaid option to verify banking information. We use a smaller credit union and have never been able to use Plaid. While the requested information is standard, our bank ownership docs specifically, they took more than 5 days to review it then rejected it with no information as to why. We resubmitted another doc which was also rejected, again with no explanation. Upon calling (at 6am mdt) we were told the first document was too old, and they asked for a "current" one. The document in question was our membership agreement/ signature card from when we opened the account. Of course it's old, and no the date can't be altered, like what? They only request one document at a time through their website with no way to submit all documentation at once.

I cannot recommend. Never again. Why you may ask? You are dealing with an online, disconnected system...but if you do find yourself talking to humans, they are in Asia and if you don't like the answer you receive, call back, you'll get a different one. I get paid twice a month. I initially started to make my payments 1/2 every payday (which meant that my payment, in full, was made before the due date). Since I was dividing my payment in 2 payments, and even though I had made the full payment amount before the due date, they were logging my payments in as extras - instead of monthly payments.

I submitted information on trusted sites online for a loan. Within a few minutes I received a call from someone claiming to be with Lending club. This person ask questions that you would expect if you were applying for a loan. I had already provided some private financial information before realizing it was a scam. Please be aware of this and only provide your information if you contact them. I am not sure how this person would have received my contact information however know it was well articulated, they are professional. Be aware.

Horrible lending institution, horrible customer service. Do yourself the favor and use another lending institution! The best you can do is run the opposite direction as a fast as you can! I will never conduct business with Lending Club!

I overpaid my loan and it has been impossible to get my check. Customer Service is very inefficient, I don't know how many times I have called and they always tell me that my address is not updated, I don't know how many times I have "updated" my address and months waiting for my check!!!!

I secured several loans with Lending Club, and I love the company. I am giving them a low review because of the incredibly high interest rates they are offering now. Someone needs to look at why they are now offering loans at 25-30% rates, especially to customers like me, who have a successful track record of payment. This is unacceptable. All the good you do to ensure your service is easy for your customers leaves a bad taste when you take advantage of people who have been paying month-to-month to complete their loan payments. Do you have to be that greedy of a company? Unacceptable. I thought you would be different.

This company is committing fraud. A few months ago I had an operation where I almost died twice. During this awful period Lending Club fraudulently reported 2 late fees on my account. What actually occurred is that Lending Club was taking its time to set up a hardship period due to my catastrophic medical issues. After a week they presented me with a 3 month term but they also tried to add 7000$ to my loan for the 3 month period of making half payments. I contacted them several times stating that I did not accept the terms and paid all 3 of the loans. Lending club turned around and reported 2 late payments, refusing to acknowledge that they caused any late payments by trying to tack 7000$ on to my accounts. I also paid off 2 of the loans the month of the false late fee, over a year early, yet that is not reported to my credit. These people are lying and refuse to admit the errors.

They are predatory lender who has had Major Criminal Cases and had to pay back to former clients and customers $18 Million on ongoing, they deceived me and scammed $15k. I reported them to FBI, IRS, SEC, CFPB and My Lawyers. We are going after them, they have been caught in Money Laundering, Stealing Client funds, Criminal offshore scams mainly in the Philippines and Utah and Ohio.

LendingClub often offers competitive interest rates compared to traditional banks, especially for those with credit. This can be a significant advantage for borrowers looking to save on interest. Borrowers can usually choose from a range of loan amounts and terms, which provides flexibility depending on their financial needs and repayment capabilities. Some customers find LendingClub's customer service to be responsive and helpful, especially when dealing with questions about the loan process or account management.

I made my full payment on my due date and still got charge for late fee and then they added up interest charges, and when you call they told me they received the payment late but you guys can see when was the payment was made to the account, that’s very unfair to customer because people work too hard for their money, I will never deal with you guys anymore.

I’m still waiting for loan 3 weeks later. I sent in a document via email and a whole week later, they requested the same document via their application system. They need to request more documents up front instead of requesting single documents one by one and making the process even longer.

I recently took out a personal loan from Lending Club, and the application process was straightforward and user-friendly. Customer service was generally responsive and helpful. The loan terms were competitive. I was offered a reasonable interest rate based on my credit profile, and the terms were transparent with no hidden fees. The monthly payment schedule was manageable, and I appreciated the flexibility in repayment options.

I received a 10k loan couple years ago. The process was fast and straightforward. I applied recently and was denied, even though my FICO and income is a lot higher. In my opinion, they are like a big bank now, but before it was a P2P company. If you're looking for something fast, try SOFI. My wife was denied too with a 715 Fico. Don’t waste your time.

DO NOT get a loan from LendingClub. I have had personal loans before and never in my 66 years have I dealt with a more unprofessional lender. I have gone back and forth with them for two weeks about a creditor that was supposed to have been paid but they claim they the check to the wrong address. I have had to make NUMEROUS calls with the last 2 weeks and I am still waiting to obtain the funds. I am beyond disappointed in this company. Find another lender is my recommendation!

I gave the man who represented this company 1 star only because of his incredible ability to pretend to be genuine. I had just been scammed by another company (Wave Finances) and trying to recover by getting another loan. This Lending Club rep was very understanding and compassionate, assuring me they were different and would not betray me. They made deposits that I returned in money cards to supposedly raise my credit rating. Long story short, my bank shuts down my account and tells me the checks they deposited were fraudulent. And of course the man I talked to every day, who promised he would never do me harm, is now unreachable and not responding. I didn't think anyone could be so evil. I don't even know where to go from here.

I’ve had multiple loan experiences with Lending Club, all were good experiences until the most recent. The inability to hear your customers and the desire to stick it to them when they are most vulnerable must be the new corporate strategy at Lending Club. The obstinate attitude position their team (multiple people) utilizes is not just rude, it informs as to their callous and bizarre lack of understanding and amazing inability to listen. I’ll never work with them ever again. I’d encourage others to use anyone else than Lending Club.

Horrible service, their rates are way too high and they try and hide it extra charges for no reason. In the end, they overdrew on my account. Fraudulent report on my credit score. When you try and contact corporate all they leave you as a mailing address and they never respond.

I was offered a Permanent Loan Modification while I was falling behind, at the time it wasn't the best option for me to assist during my hardship since I still had to pay, I missed 1 of their payments during a lock in period of April 2024 - June 2024 and now that I'm trying to catch up since I'm not working again I was denied the permanent loan modification - I had asked for a extension during my hardship instead since paying nothing was the best for me at the time and wasn't offered this. Now I lost the chance for the permanent loan modification and now behind even more and they still took out 1 of my lock in period payments (2nd one).

Don’t Do it, very much a scam. They promised me a loan. Stole $5000 from me instead, now I have to clean up a mess not to mention screwed my credit. Don’t do it. Had to close all my accounts that I had since 2015.

Lending club is nothing but a scam. Employees drain your bank account after doing a test deposit. Employees will RIP you off by fake mobile deposits then your account is completely drained and overdrawn on a matter of minutes. Even before your bank account can be frozen to stop the withdrawal.

Applied at Lending Club got approved for 5000 dollars. Looked at the payments and interest and thought there was something wrong, so I didn't proceed. After investigation I found it was a scam. Now I get calls from them and the caller ID comes up different names. What a nightmare. I seriously need help. I had heart failure, have been trying to work as much as I can and now I have to deal with people trying to rip me off when I barely have anything.

The application process was simple and straightforward, and I was able to easily upload all the necessary documents without any hassle. The website is also well-designed and easy to navigate, making it a breeze to track my loan status and make payments.

DO NOT BORROW FROM LENDING CLUB, you will pay back double the amount you borrow or more. They are profiting off of being disguised as the good guys that want to help. You’ll be further in debt if you take out a loan through them. DON'T DO IT. TRUST ME.

Hello, I have 3 loans with Lending club. Very simple to apply however I went to a hardship and I been trying to get help and they give me every excuse why not to help me, I contacted them. Many times and they continued to refuse help, government help them with millions during covid and they refuse to customers. They claimed they don't receive payment. I have to send screenshot of my bank. Always something to refuse help.

These Scammers told me 1 month ago I was approved. 1 month later after talking to their customer support every day in India they DECLINED ME. They just lie thru their teeth. I hope they get shut down.