Happen Bank Reviews

If I could give a one I would!!! Someone named Ronnie texted me saying I qualified for a $2000-5000 loan. I called! They already knew my banking info, my pin number and my security question answers! I told him I was not interested and he said that they had already deposited 1000 in to my account! I told I did not want this, I did not agree. How do I send it back! He told me to go to Walmart and send a MoneyGram to return the funds. I did this! I got to get gas and my card is locked out. Called my bank and they told me my account is overdrafted by $980 and I am responsible for paying this back but I was a victim of a scam! I heard Indians in the background talking and it was a cell phone which is why I told them I was not interested! Please listen to the people on the comments. Do not use this company, it is a scam!!!

I have received probably 6 or more pre approved notices from Lending Club. I kept saying no but found myself in a life crisis and needing to debt consolidate to get relief. I have credit score in the mid to high 600s and never missed a payment on anything. And of course DENIED for stupid reasons, as they call themselves a debt consolidation and there to help when needed. If I didn't need the help I sure as heck would not be trying. If I had cash on hand and life was fine, I would not be trying. I wish I had the funds to hire an attorney and put a STOP to this kind of practices from and form of BANK period.

They requested all this personal info to be uploaded and emailed to them including pay stubs, driver license, W2's, employers verification form, notarized title transfer, and my original title to be FedEx to them to send me an email three weeks later to tell me I was not approved & try again in 30 days. I asked a Representative a week prior, "Was I approved" and she told me, "Yes". The next step would be to sign my payment disclosure and she went over all my loan terms. They could have approved/declined me before I jumped through HOOPS to get them all my personal info. I requested a phone call from a manager by phone and email the day I was rejected and have yet to receive a response.

I had two loans with The Lending Club. Both accounts had monthly auto withdrawals from my personal checking account and all payments were received on time and without fail. Both accounts were paid IN FULL prior to their term. So, I applied for a third loan and just received a denial. The reason, insufficient payments on other loans with Lending Club. Are you kidding me??? This is not the way to treat your clients especially those who have done nothing wrong.

I made a payment error. Contacted the company, they told me there is nothing they can do, and to contact my bank. So I did. My bank got my funds back. I made a big error by adding a zero to my payment which made it a 10,000 payment instead of 1,000. This was an extra payment anyways. Now LC has me as delinquent and all of my payments will be going to the delinquent amount of 10,000 and not the remaining balance of 4800. So the 4800 will sit and collect late fees and penalties while my payments go to an amount that shouldn't be delinquent in the first place.

I had a terrible experience with Lending Club. They will send four emails a day/harass you. Just to have a 17 yr old kid tell you that you have been denied. They don't seem to understand what lending is!? We have NEVER missed a payment on anything and I do not know where they get their info from. It's incorrect!!! Use a trustworthy company not these scumbags!

Received constant mail offers to apply for loan. Even with perfect credit score and income over $100k annual, I was still denied a loan. I believe this company is associated with scammers in India who gets your information ie. employer and social security number and then extorts money from applicants by calling their employers to terminate employment of the applicants to Lending Club aka Web Bank. I did my part to warn you. Stay away you will regret it if you do.

Applied & approved for a personal loan -- Told (have documentation) that I was approved for a personal loan. NOT Pre-approved - APPROVED -- Emailed all documentation. Then was told, "Oops sorry you're not approved..." Lending Club is nothing more than a SCAM. My advice take them off your mailing list & do not apply to these bottom feeders! BTW I have very good credit.

They told I could get a loan from them. They told me to get iTunes cards and to load them with money. Will somehow got my bank account stuff. They stole 8,000 from my bank account. Now I owe my bank 8,000 in the hole with them. Be careful it’s a scam, scam.

At first we found the fake reviews that everything was quick and easy and hassle free, but then we started the loan process. For various reasons we needed a little boost to consolidate and get through a hard time. We saw the price per month and it was better than what we were doing. We faxed them what they asked then they started asking for the something or something new every day. They started asking for documents we could not produce and we called and told them that and it was not good enough. Eventually we were denied the loan, in the end we decided with all the problems it is probably a good thing.

First and foremost, I have a current loan which is almost halfway paid off and a second loan which was paid off. I have received continuous literature that I was pre approved for up to 35,00. I applied for 9,000. After 3 fax pages I was denied. Please save that hard inquiry for something that has fruit to bear. Shame on Credit Karma for even making the suggestion that the possibility of acceptance was above average. Buyer be cautious in dealing with Lending Club and especially with Credit Karma and it's false rating. Obviously when Lending Club charges that exorbitant setup fee and the person answering the phone tells you after asking a question, "I'm not qualified to answer any loan questions."

I have two loans with Lending Club. I paid off one loan last month (I had only 5 months left). They state in their policy that there are no penalties for paying off a loan early, but today I received a notification from Credit Karma that one of my accounts was closed. This dropped my score ten points!! I still have an open loan with them why would they do this? They are terrible!

Thought this company was ok, even at 29% interest with my credit score of 698, I needed to just consolidate higher interest cards. Have been paying on time for 8 months now, but needed to change the date of payment only 13 days. Tried to change it online but they said I had to call and when I did they were fine with the change for next month but is charging me $6.40 a day for 13 days past my original due date. It was on the 13th. Wanted it changed to the 26th because of change in pay dates. That is adding an additional charge of 60.00 to a 361.00 payment. Now I will owe 422.00 in August. Am not sure how legal this is but that is a big chunk!! Don't change your due date!!

The representatives were very professional and extremely helpful in helping me to enter into a high interest loan that is costing too much in the long term. The individuals that operate the Lending Club are the modern day mobsters who offer loans and charge the clients 100% interest. If I had known then what I know now, I would have never entered into an agreement with the Lending Club. If you are considering using the Lending Club as a lender, please look somewhere else.

I applied for this loan and was given $35,000, but almost $5,000 of that went towards loan origination fees so I really got a little less than $30,000 deposited into my account. First I was completely shocked to see my monthly payment was $1,350 per month... this is completely outrageous and it's a total budget buster. For reference I have another $25,000 loan through another lender and the payment is $250 per month. Okay it's bad enough, right? What else could go wrong?

I was approved for a loan on 7 June 2017. Then I received every week or so a request for new documentation from Lending Club to confirm information I had previously given them. I submitted all requested documentation, and then when I was in the process of submitting "My 2016 tax forms including all schedules" including schedules that the IRS themselves did not require, I was issued a decline notice. Not even 48 hours after asking for the documents, they declined me for a loan which they had approved nearly a month prior. This is not legal and their senior management know it. They are a criminal organization and should be put out of business.

I got approved for 5k and I tried to borrow 4k and they were fine with it, so one of the employer told me that I have to put $175 first into Apple iTunes card and I did! Then he told me I have to pay 200 dollars for the enquiry of my bank that way they would be able to put the money into my account. The next day I only had 100 dollars on me and I called them and another employer said that it's ok to put then 100 into another Apple iTunes card then once I get the amount I was trying to borrow just pay the remaining 100, so I said "ok that perfect." But then I had to wait them to call me. After a couple of hours I called back and they said the system was not letting them complete the transaction because I had remaining 100 and I had to pay that first but I was out of cash, so I told them to give me another day to put the remaining 100.

After the initial excitement of being approved for a loan to consolidate high interest debt, I was angered by the sudden appearance of origination fees. The amount I was charged was 6% of the loan amount!!! How can this go unreported, swept under the rug. At no time did I receive an itemized report of my loan documents. This seems illegal, or at the very least unethical ambush marketing.

I keep getting pre-approved loan applications via US mail. I have applied several times and was denied. I have emailed them to stop sending me these pre-approved loan applications. If we could consolidate our debt we could get out of this hole we're in. What a disappointment. Why am I pre-approved and denied? Isn't that false advertising and against the law.

I applied for a personal loan 9 days ago. I submitted all documents and it has been under final review the whole time. I have great credit and a nice savings account. Never delinquent or late on payments and was given a 23% interest rate. Not my idea of good. I called yesterday and was told to send another document. I sent it then today was told to send the same documents I have already sent. I was also told it will be another 2-4 days. With this being Memorial Day weekend it will probably be longer before I get a decision. At this point I am not very hopeful of getting a loan. This was supposed to be quick and easy, I needed this loan asap. If I would have known this I would have applied elsewhere. This has experience has been horrible and I am now thinking of withdrawing my application and applying with Prosper or another company or bank.

I had the best experience with the Lending Club. They will do whatever it takes to help you out which is why I went through them personally. You would really like this loan for personal issues that they offer now. You should look into it and see what you think.

I am on long term disability and had paid almost $18,000 in medical expenses with credit cards. I have a good credit score and paid more than the minimum payment on time every month. I received an offer from Lending Club that indicated I was pre-approved for a loan. After I started the loan process, I learned that they only accepted the requested documents electronically. In other words, I need to take photos of my documents or scan them to my computer. I didn't have a printer so I couldn't scan the documents and I had never used my phone's camera. Because I am physically disabled, I couldn't take photos that meet their requirements. (All four corners of the page had to be in the photo and, of course, the photo couldn't be blurry.) Because I am physically disabled, I couldn't take the needed photos.

I only had to contact customer service one time to try and switch some payments around. Besides that, I did everything online. This was the main reason I went through the Lending Club. The interest rate was high. I would have got a better rate at a bank but I didn't know if I'd get approved. The application process was fast and easy. I had to upload a few documents to provide my income and ownership. I'd recommend it to a friend or family member.

I signed up with Lending Club because my dentist offered it as a payment plan for an orthodontic treatment I got last year. I have had the WORST experience ever!!! I am someone who is extremely scrupulous about paying my bills on time and my credit score is a testament to the fact. But Lending Club seems to keep coming up with novel ways of charging me late fees. First they did not send me a statement in the mail for 2+ months after signing up for the payment plan. I called their customer service at around the 1 month mark and they assured me that they hadn't started billing yet. I'd receive my first bill in the mail soon and didn't need to do anything before then.

This company is HORRIBLE to deal with. I had problems every month that I tried to pay online, forcing me to call the company. The ladies I spoke with were nice and assured me that my payments had been taken and I had nothing to worry about. I then got a call from a person that was quite rude and condescending stating my account was 3 MONTHS past due!!! They told me they could not find any of my calls noted in the system and dinged my credit and would not help me resolve this. I highly recommend not using this awful, unprofessional and unethical company. They say they are noting your account, don't worry everything is taken care of and then later say "sorry we don't have any record of you calling". I am reporting them to my bank and to the DDS that recommended them. Be very wary.

The customer service staff has been excellent. They give easy answers to understand and analyze, which also helps you to make decisions. The application process was fast and easy to understand. The interests are low and accessible. It helps a lot to not pay so much and it motivates you to continue taking out loans. The online tool helps you to search for constant information and motivates you to continue taking out loans to get the things you need.

Extremely helpful and friendly customer service. The application process was quick, easy and successful. Approved quickly. Lending Club has great rates with the terms. Experienced positive feedback, and questions were answered quickly. It has great online tools for all the resources that you need to successfully qualify for a loan. I would return to this company for other loans. Happy customer and I would recommend Lending Club to anyone.

The customer support was awesome. The application process was awesome. I hope the process stays this way. The rate and terms were awesome. Keep up the great work. The online tools are awesome. I would recommend it to everyone I know and I hope they would do the same.

I didn't have many issues but everyone I spoke with was helpful. Especially by setting expectations around payments and what was required of me. It was easy and did not require extra effort on my end to get the application complete. Not much else I can say here other than it made sense. The interest rates with Lending Club were on par with what I saw with Prosper for A+ credit members which I fall into. 6-9% from what I remember. The tools here again made sense and were online with what I expected them to be from a company of this caliber. The app was decent as well.

They were quick with all of my questions. I really appreciated their expertise with all of my questions. They are a model business for which others to follow. They did a great job explaining all of the questions that I had. I expected less and ended up with more. I had a lot of questions however on some of the paperwork. It did get confusing to be honest. I'm glad that I had help in order to get it down right the first time. I would say that I had a good experience overall. I think that the rates and terms were to standard and explained to me the right way the first time. I think that the online tools was very helpful. I think that the website was very helpful to get me ready. This is something that the company must keep as I think it is a great tool for consumers.

If they ask you to purchase an iTunes card do not do it. They are scamming you and you cannot get your money back. They will tell you are approved but they want you to download money on iTunes cards which they scan and take, then when they tell you funds are available at Western Union by the time you get there to pick it up from lender they already collected it electronically in your name with your ID number so be aware of this. When ask for refund of course they want you to pay a fee to get your money back that you never get.

Good service for the most part. Service was fair and agents were a professional, although they could have been more detailed when explaining the costs. Application process if I had to explain it, was fairly straightforward. The application process was very comparable to other similar organizations and I didn't have to try very hard. The terms were a bit high for the quality of service we received. In the end, the terms and costs were probably too high and we would do more research before paying that much again. The online tools available were fairly standard and those you would come to expect from this type of company. I wish there were more customization features however.

Received a Pre-Approved Loan letter from Lending Club and, despite my reservations and encouragement to use the Pre-Approval from Prosper, I went ahead with Lending Club based on their tenure. Surprise! I was denied based on, according to them, my credit records. My thinking, and experience with all other lenders, was that a Pre-Approval was based on factors deemed favorable. So now, not only is my credit score dinged, I never got the fund. Same score that I used to obtain a mortgage approval. My grouse is that I wouldn't have bothered except that it was a Pre-Approval. The letter was clear in the statement saying "You have already been pre-approved for a loan up to $40,000." Don't let them get you with the same ruse.

Very good customer support. Friendly person who helped with anything I needed. I could not ask for anything more. Very good help that I was given. I would recommend them. The application was very simple and straightforward. Just put your information into the application process and it goes straight through. Very easy. Very good rates and terms. Very easy to understand. Good product for the price. You pay not overcharging on the rates and terms. The online tools are very easy to use and informative if you need information. It's very easy to find the information. The online tools make everything easy.

Quick to answer when contacted, helpful and thorough, knowledgeable. When I contacted them I was presented with options I did not even think of. I was able to gather all documents before I began the application process. It was very clear, fairly simple, relatively quick, and I had an answer right away. As always I would like to have lower rates, wouldn't we all, but my credit had a large impact in that. Overall I would say my rate is fair. The online tools are easy to use and understand especially the calculator. I have used the online resource several times and never had an issue.

They were so helpful and made sure that I knew what I was doing and that I understood everything that I was doing. They made sure I knew what the interest was and when my payments were due. The application process was very simple and the staff was very helpful. They made sure that I knew what to put and where to put it at. They made sure that I knew what to do and how to do it and where my business was. They had very fair rates and the terms were very easy to understand. I also understood when my payments were due and how to process the payments. They gave me lots of information to use when I was approved for my application and they also made sure that I knew what to do to get tools online and how to use them.

For those considering a loan from Lending Club, let this review serve as a testament to move forward. Although skeptical at first, I did some research and read review after review until my decision was made. If you take the emotion out of the review, either good or bad, it is easier to make an informed decision and decide if this is a viable alternative to credit unions, banks or other entities. The process was extremely easy and when I applied, I was told upfront that their platform for investors had a lot of applications and the process would take about 14 days. Here is the good part - The process took 14 days if you count just the business days.

The customer support team asked many questions and listened to my concerns. I felt valued, appreciated and happy. I was spoken to in a polite tone and told all my concerns would be handled promptly. The application process took less than 5 minutes to complete. It was intuitive, interactive and helpful. I had no issues while performing this. I received the best rates and returns I could with no hassles or loose ends. The rates were not variable and it was locked in on the life of my loan. The online tools were simplified, easy to use and informative. I could use it for verification and to project my loan plan. It was simple and I had no tech issues.

Good support. Everything was answered to my liking and were very polite and courteous.

Lending Club is good for the new initiated. It needs more simplicity and form, function as said. They need to get out there and make a move to make it accommodating. A better environment for up to the date interests and appliances. I find everything a lot smoother when it's here and now. I can take the hint that this is a better lending app center than the rest. It feels very personified and dignified.

It was good and I would recommend it to all of my friends, family, best friends. I was very happy with the experience. Is a simple and easy. Anybody can do it. I can recommend everybody to try. Everyone should apply. Satisfied. Trust me when I tell you. Everything is great. Thank you very much for your time.

This was the second place I applied for a small business loan. The application process was very easy to follow. I have friends that had recommended Lending Club as they had used them and gave them a great recommendation. I do have a great credit score, I believe this helped. I provided the information requested and was approved quickly. Their terms were clear and easy to understand. And their loan rates are lower than almost of the corporate banking/ lenders. I would recommend Lending Club without hesitation.

The auto payment process was good until I decided to make extra payments. Even though the agreement allows a client early repayment, in fact, they do NOT process larger payments within 2-4 biz days as they claim. It took my $1,000.00 payment over 15 days to get processed! My next regular payment of $338.71 took over 5 days to process. They also mess up your account information including remaining balance. The final last payment should be $468.04 incl interest, but for some reason they want me to pay over $550. My remaining balance doesn't changed at that. They change the numbers as they wish without changing the remaining balance!