Consumer complaint received 2021-09-07
Company: Lending Club Corp
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
To whom it may concern : XXXX XXXX  is acting in a dishonest and unscrupulous manner. The bank appears to be actively engaging in a campaign to keep my money. They are inventing reasons and excuses to hold onto my money that boarders on extortionary practice and blatant greed. 

On XX/XX/2021, I opened an online rewards checking account with Lending Club Bank formerly XXXX XXXX. The account had been funded initially with {$100.00} and subsequently in increments of {$1000.00} postal money orders. I sent initially {$1000.00} and then {$2000.00} at a time ( See attached receipts ). The money orders were all sent certified mail ( See attached certified receipts ). The account now has a combined total of {$5100.00} deposited in it. 

On I XX/XX/XXXX, I tried to access my account and discovered that I was unable to do so. I contacted the bank immediately and inquired as to why I was unable to get into my account. I was told that my account was locked, and I needed to provide proof of the purchase of my money orders. Why open the account then deny me access. On XX/XX/XXXX, I sent the bank an email with attached proof of purchase, the receipts. 
After the proof of money order purchase was provided, the next request by the bank was that I provide a government issued ID to them. I sent an attached copy of my Social Security card on XX/XX/XXXX. I also informed the bank that I had no further ID to give them and that I had been verified since the account was opened, and each time I contacted the bank I was verified. Each time I provided the requested info, I was tolf it would be sufficient by the various bank employees, XXXX, XXXX Each person I spoke with at the bank subsequently requested and demanded a different set of required information. The requests escalated from receipts to government IDs and creative falsely invented reasons and excuses. On both XXXX XXXX and XX/XX/XXXX, I XXXX and other bank employees and requested that my account be closed and a check for {$5100.00}, the entire amount contained in my account be mailed to my verified address on file. My requests were made over the phone and sent as emails to both : XXXX XXXX XXXX one of the managers of the bank. 
I spoke with XXXX on XX/XX/XXXX, XXXX and XX/XX/XXXX. AKA XXXX who has used multiple names in our communications claims that my request is up for review. Mr. XXXX has refuse to honor my request to close my account immediately and issue me a check for the balance contained in my account ( {$5100.00} ) thus closing out the account. 
I have spoken to a number of different bank employees who have consistently invented excuses and reasons not to close my account and return my money. On XX/XX/XXXX, XXXX told me an account can not be closed unless it has a XXXX balance. Well if I am issued a check for the remaining balance as I have been requesting then of course there would be a {$0.00} balance in the account. Then XXXX told me that you can not close a locked account. As stated previously, employees appear to be making up rules as they go along. 

I am asking that you contact the bank on my behalf and have them give me my money for the remaining balance in my account {$5100.00}. Thanking you in advance. 

Sincerely,

Company response to consumer: Closed with monetary relief