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Domain Due Diligence

Report for Lendingclub.com

Report Date
October 21, 2025
Recommendation
Caution
Overall Summary
Suspicious
  Why we think so? 

LendingClub.com is a well-established finance company specializing in online personal loans and banking services with over 4 million members. It attracts roughly 2 million monthly US-based visitors and operates a robust, secure infrastructure with reputable technologies. The brand holds multiple live US trademarks and maintains an active, verifiable presence with valid SSL and official contact infos. However, it has faced significant legal issues, including an $18 million settlement with the FTC over deceptive fee disclosures. Despite solid user ratings, many consumers report problems with fees, refunds, and account withdrawals. LendingClub strongly warns against impersonator scams, distinguishing itself from reported fraud attempts. Overall, it is a legitimate but sometimes controversial lender with ongoing customer service challenges.

Confidence Score
70%

Risk Insights

🏛️

Established Brand with Trademark Protections

  • Multiple active US trademarks registered for LendingClub and associated services.
  • Brand ownership is legally verified in several financial service categories.
⚖️

Consumer Complaint and Legal History

  • FTC enforced a multi-million dollar settlement for deceptive practices.
  • Customer complaints frequently cite hidden fees and refund issues.
🛡️

Robust Technical Setup

  • Uses top-tier infrastructure providers like AWS and Akamai.
  • SSL certificate is valid, securing user data transmission.

Contradictory Signals

LendingClub is a trusted brand but faces serious reputational and legal concerns.

Signal A: Legitimate business with strong technical and legal footprint

Signal B: Numerous regulatory violations and negative customer experiences

Category Scores

Red Flags & Warnings

  • FTC settlement for $18 million due to deceptive hidden fees and unauthorized withdrawals indicates serious past legal issues.
  • Significant number of customer complaints about fee transparency, refund delays, and unauthorized charges.

🔎 Detailed Checks & Analysis

Identity Verification

Score: 85/100
Passed

"Multiple active trademarks and official email addresses correlate with LendingClub Corporation's known identity."

Reason: The company holds official trademarks and verified contact information, confirming brand authenticity.

Reputation and User Feedback

Score: 60/100
Failed

"Legal settlements and thousands of complaints regarding fees and unauthorized withdrawals reduce trust."

Reason: Numerous customer complaints and an FTC lawsuit point to reputation risks and unresolved user issues.

Technical Infrastructure

Score: 90/100
Passed

"Technologies include AWS, Akamai, Adobe Marketing Cloud, and valid, up-to-date SSL certificates."

Reason: Use of enterprise-grade hosting, CDN, and analytics solutions supports operational security and reliability.

Content Transparency

Score: 65/100
Failed

"FTC settlement addressed fee visibility; ongoing user concerns about clarity remain."

Reason: Past issues with unclear fee disclosures exist despite current improvements in transparency.

Legal Compliance

Score: 45/100
Failed

"FTC settlement, securities lawsuits, and customer disputes highlight serious regulatory scrutiny."

Reason: Multiple lawsuits and regulatory fines reflect compliance challenges and elevated legal risks.

Business Validity

Score: 75/100
Passed

"Despite controversies, LendingClub has long-standing operations and valid trademarks."

Reason: The company operates a legitimate financial services business with a substantial customer base and recognized brand.

Your Next Steps

  • 1

    Verify any loan terms and fees carefully before applying to avoid hidden costs.

  • 2

    Check official LendingClub channels for legitimate contact and avoid paying fees upfront to unverified parties.

  • 3

    Monitor your bank statements for unauthorized withdrawals and report suspicious activity immediately.

  • 4

    Consider reading user reviews and complaint histories to understand potential risks.

  • 5

    Report fraudulent impersonation attempts claiming to represent LendingClub to relevant authorities.

Evidence & Citations

🕵🏻 Keep investigating

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