In my last article, Love The Company, Hate LendingClub Stock, I pointed out three existential issues that LendingClub ( NYSE: LC ) must resolve to win back investor confidence. The three issues are: I was hoping that, in LendingClub's Q4 2015 earnings announcement, CEO Renaud Laplanche would address these critical issues head on in 2016, but I was disappointed. However, both Laplanche and CFO Carrie Dolan gave us a far more darker picture of what is to come for LendingClub. In this essay, I put together evidence that will help you understand potentially the deepest and the darkest fear looming over LendingClub laid out clearly by Renaud and Carrie right in front of our eyes.