Consumer complaint received 2021-10-22
Company: Lending Club Corp
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 I, a CONSUMER, a NATURAL PERSON wrote a letter according to 15 USC 16922g to inform LendingClub Corp that I was disputing and requesting Validation for an alleged debt. I also informed Lending Club Corp, a person, that If they reported any invalidated information to the XXXX major credit reporting agencies ( XXXX, XXXX and XXXX ) that their actions may constitute fraud under federal and state laws.

I also wrote LendingClub Corp, a person, a Cease and Desist according to 15 USC 1692c ( c ) informing LendingClub Corp that I was refusing to pay the alleged debt and to cease all forms of communication with me through any and all mediums. I informed LendingClub Corp, a person, that I, a CONSUMER, the original creditor was invoking my special remedy according to 15 USC 1692c ( c ) ( 2 ) demanding they XXXX out the balance of the account, return all monies received, pay the attached invoice and to delete from all Consumer reports. I instructed them to provide me with the name and address of the alleged creditor, name of the alleged debtor, alleged account number, address of alleged debtor, amount of alleged debt, date the alleged debt became payable, date of original charge of delinquency, was the debt assigned to a debt collector or purchased, amount paid if debt was purchased, commission for debt if collection efforts are successful. 

I instructed LendingClub Corp, a person, to attached the agreement that granted the collection agency to collect the alleged debt, the signed agreement debtor made with debt collector or other verifiable proof of contractual obligation to pay debt collector, any agreement that bears the signature of the debtor agreeing to pay creditor, all statements while account was open, have any insurance claims been made by any creditor regarding the account, have any judgements been obtained by any creditor regarding the account, and the name and address of the bonding agent for the debt collector. 

I informed LendingClub Corp that they had 30 days to return the form i sent completed along with all requested information, assignments or other transfer agreements, which would establish their right to collect the alleged debt from the date of receipt of my letter. 

I informed them that their claim could not and would not be considered if any portion of the form was not completed and returned with copies of all requested documents. 

XX/XX/2021 I, a CONSUMER, a NATURAL PERSON sent the letter to LendingClub Corp, a person, by way of U.S. Postal Service, CERTIFIED MAIL RECEIPT. 

XX/XX/2021 I, a CONSUMER, a NATURAL PERSON received a CERTIFIED MAIL RECEIPT from LendingClub Corp notating it had been received by A.A 501 an agent of LendingClub Corp. 

XX/XX/2021 I, a CONSUMER, a NATURAL PERSON received a XXXX XXXX Envelop shipped on XX/XX/2021 from XXXX XXXX from XXXX, UT. Inside was communication from LendingClub Corp stating they received my letter dated XX/XX/2021 and received on XX/XX/2021. By sending this letter LendingClub Corp knowingly or intentionally violated 15 USC 1692. This shows they do not follow the law and will continue to violate the rights of CONSUMERS. The letter contained more than 10 violation of Title 15 USC.

LendingClub Corp has not validated the alleged debt and continues to violate my rights by communicating with me through mail. LendingClub Corp has not paid the invoice that was sent on XX/XX/2021. 

XX/XX/2021 I, a CONSUMER, a NATURAL PERSON wrote and sent a notarized AFFIDAVIT of TRUTH by way of U.S. Postal Service CERTIFIED MAIL RECEIPT to LendingClub Corp with violations and an additional invoice with more violations they committed.

Company response to consumer: Closed with explanation