Well, Lending Club didn't even give me a chance to communicate with the loan reviewer, and exactly what i told the account validator would be an issue has happened, the person I spoke to on the phone said they noted it in the account and the reviewer would reachout to me if they had any questions. I never got a chance to present supporting documentation to prove my current income. I made 150k last year and they declined me due to insufficient income for a 25k loan, that doesn't even make sense. The loan reviewer must have never read the comments the account validator supposedly posted on the account and only went by the 2018 returns, or flat ass didn't care, which is more like it. All I wanted to do is consolidate the debt from high interest credit cards i had to use during my recovery period. LC doesn't really seem to operate as they say they do, presenting a loan opportunity to a community of investors, if that were the case, there would be a pool of investors who would take the loan possibly at a different rate. This was not even presented and no inquiry or opportunity to communicate with the loan officer, is that even legal? What they tell the public is definitely different than what they do. They even got the loan amount wrong on the decline, they added 5k to what i asked for , so their applications don't even track transactional information correctly. I've never seen a lender that won't give you a chance to communicate or respond with more supporting information, they seemed to ignore the income I put on the application and only looked at the 2018 return. lesson learned.
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