Weird Lending Club Email

chalupaman · ‎08-31-2014

Never filled out any loan application with this company ever yet they just sent me some email saying that I got denied for a loan application. Really don't know what to do or whether something happened in their system that sent me an email by mistake but I don't know what to do.

Went to the TU dispute website and it's showing as some account review so it wasn't a HP I think and it said it wouldn't affect my credit score.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

coldnmn · ‎08-31-2014

If it was me I would contact Lending Club and find out what's going on. It maybe identity theft it's better safe then sorry.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

chalupaman · ‎08-31-2014

@coldnmn wrote:
If it was me I would contact Lending Club and find out what's going on. It maybe identity theft it's better safe then sorry.

I just sent them an email telling them about this just in case.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

PedrokiPR · ‎08-31-2014

Are you trying to apply for a loan ? Like Prosper, Avant.... for instance. There is a web that will check for all of them and you consent to that. If not, I would start putting your credit to a monitoring service and lock it to see.

lisat009 · ‎10-30-2014

@chalupaman wrote:
Never filled out any loan application with this company ever yet they just sent me some email saying that I got denied for a loan application. Really don't know what to do or whether something happened in their system that sent me an email by mistake but I don't know what to do.

Went to the TU dispute website and it's showing as some account review so it wasn't a HP I think and it said it wouldn't affect my credit score.

OP, did you get a response from them?? same thing happened to me today, I got an email saying I was denied for a loan when I did not apply for a loan from them, though I went to their site before just to see if I am qualified for any loan and say wont affect credit doing so but I did not apply. its weird. I also sent an email to them and I will call transunion for this.

FICO : EQ: 706 // EX: 728 // TU:720 GOAL: 750.
Citi DP: 2000 // Citi DC: 2000 // Slate: 5000 // Freedom: 3500 // Amex ED: 6000 // Paypal 1000 // Discover: 500 // Walmart: 600 // VS: 750 // Jcrew: 1500 // Express: 250

Anonymous · ‎10-30-2014

@coldnmn wrote:
If it was me I would contact Lending Club and find out what's going on. It maybe identity theft it's better safe then sorry.

+1 First thing that comes to my mind is Identify theft.