Consumer complaint received 2020-02-19
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or around XX/XX/XXXX, a dentist XXXX XXXX XXXX XXXX on XXXX XXXX. in XXXX, CA XXXX said they were going to " run '' my credit to see if I qualified for the amount needed for a family members XXXX  XXXX, and that if qualified it would be for 12 months no interest. Having given them only my address, date of birth and social security number ( no other personal, employment or financial information - which would be needed to " apply '' for credit ), asked me to sign a one page document explaining that would just allow them to " run '' my credit. I was provided an " estimate '' of charges, and a future follow up appointment date was set. No dental work was done that day. The procedure was Never done. 

Unknown to me at the time, on that same date ( XX/XX/XXXX ), the full estimated amount was charged to a Lending Club account that the dentist had opened in my name ( later using the paper I had unknowingly signed to dispute my dispute ), even though no procedures had been done, and by that time had been canceled due to health reasons. 
On or around XX/XX/XXXX due to the patients XXXX XXXX, all future dental appointments were canceled. 
On or around XX/XX/XXXX, when I received the Lending Club statement in the mail, I immediately submitted a dispute to Lending Club. I also disputed with the Dentist and requested the charge be reversed as the Dentist was well aware that she did not do any XXXX. 

Initially the charges were reversed by Lending Club, -- the account was closed at one point, ( with a balance still owing on my credit report ), then re-opened - then later they sided with the dentist ( who provided the paper I signed and a fabricated invoice- with no proof of XXXX or medical records ). Lending Club ignored an email from the Dentist dated ( 4 ) months later admitting XXXX  was not done. 
I submitted a dispute two ( 2 ) more times both through the Lending Club Secure Message center, via email and by postal mail, providing documents from the Dentist who admitted the XXXX was NOT DONE, I also included documents provided to me by the Dentist after requesting the patient 's medical records - which consisted only of hand typed page of office notes with no mention of ANY procedures done. 

However, over these months, Lending Club added interest ( it was supposed to be a no interest loan ), and continued to add late charges, while this account was IN dispute, the Lending Club also reported negatively to all three major credit reporting agencies, failing to include that the account and the balance due was in dispute, resulting in a drastic drop in my credit score, and two of my high limit credit cards lowering my credit limit by over half, to only a few dollars over my balance. 

I again telephoned Lending Club today XX/XX/XXXX and spoke with a person named XXXX and then the person he claimed to be his supervisor XXXX. Being very distraught during the conversation with Lending Club, I do not recall the exact words, but they were very abusive, offensive and insulting and they both refused to listen to what I was trying to explain, in fact yelling over me that I need to listen to them, that they had the invoice ( the one dated XX/XX/XXXX XXXX and even though they had a copy of the email ( dated 4 months later XX/XX/XXXX - in which the dentist admitted that no XXXX was done ), that I had to get the refund from the dentist and they would continue to pursue collection ( even though the matter was still in dispute ).

Company response to consumer: Closed with explanation