I too was taken in by Lending Clubs duplicitous tactics. Applied - recieved pre approval, then by a representitive requesting additional information, then three emails instructing me to respond by email. Then they debited my checking account, sent yet another email turning me down based on my credit score. Funny I received financing through my credit union in half the time it took just to respond to all their rediculous emails. However, this is a rather inventive way of duping the public at large. Think of the number of applications they receive, they charge you, then turn you down. Regretably I fell or their ploy and handed over my checking account information.. Needless to say my account is now closed.
Lesson learned - never do business with Lending Club and Ebay because of their association.