Gibbs Painting Service

Initial Business Response / [redacted] (1000, 5, 2015/09/28) */ Hi ***, Apologies for any confusion regarding your Return calculation in your Prosper Investment accountTo confirm, only notes purchased on the Prosper platform are included in the ReturnIt appears most of your investments were made through the secondary trading platform (on Folio)These notes, both purchased and sold, are not included This explanation is always available on the Investing Details page in your Prosper account (after you log in, on the Overview page click View Details next to Annualized Return*)There is a short FAQ section on the middle of the page which shows a Q&A about this specific topic, titled "Why do we exclude Notes traded on Folio (and how might this affect your returns)?" Below is the answer: "We present Annualized Returns on Notes to simplify the comparisons with other investment returns, but the sale of a Note on our trading platform represents a discrete return that we think should not be annualized For example, if you purchase a Note through Prosper on January 1, receive a single payment on February 1, and then sell it at a 5% premium on February 2, your Annualized Return on that transaction would be more than 50%But there is no on-going return from the transaction, so annualizing the figure would be misleading Only non-delinquent Notes can be sold on Folio; for investors who trade aggressively, a larger percentage of Notes may remain that are delinquent or defaultedThe relationship between "current status" and "ability to be sold" will cause a lower Annualized Return calculation than would have been the case for a non-trader." As of today, the Return is an accurate representation for notes purchased on the Prosper platformIf you ever need to reach out to us directly going forward, please email [redacted] @prosper.com Thank you, [redacted] ***- [redacted] Customer Experience Manager Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/09/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) Your response is misleading as wellYou make it sound as if the gain/loss on a purchase or sale of a note is not included in the return when the actual interest/chargeoffs from the note itself are not includedyour own website states: "To calculate the Return, ALL payments received on borrower loans, net of principal repayment, credit losses, and servicing costs for such loans, are aggregated and then divided by the average daily amount of aggregate outstanding principal." All payments received and credit losses are clearly not calculated in my returnsI'm giving your company a chance to do the right thing here Your response was well written, but advertising returns on notes issued and managed by your company whether purchased directly or indirectly (through folio) is not acceptableIf I have a note that you manage I expect you to include that note in my total returns Final Business Response / [redacted] (4000, 9, 2015/10/15) */ Hi ***, Again, apologies for any confusion over the method by which we calculate the Return presented in your Prosper investment accountWhile we appreciate your feedback and have considered it thoughtfully, we believe we have appropriately disclosed to you and all of our investors the method by which we calculate ReturnsFor your review, we have included two screenshots: the FAQ which appears on both the Investing page of your account(above the breakdown of payments and notes) as well as the Help section available to anyone browsing prosper.comThe other is the disclaimer at the bottom of the Investing page which includes "All calculations exclude Notes bought or sold on Folio." Regards, [redacted] ***- [redacted] Customer Experience Manager

Contact Name and Title: [redacted] Contact Phone: [redacted] Contact Email: [redacted] Dear [redacted] , We are very sorry to hear about your recent experienceWe have reviewed our database and can confirm that we do not have an account in your namePlease note that Prosper Marketplace does not conduct business through a direct money transfer service, nor do we require an insurance deposit to originate loansNor do we require payment upfront before receiving the loanWe suggest that you report your recent experience to the local authorities as soon as possible

Dear MsGarwood, Thank you for reaching out to us regarding this issueWe have attempted to contact you to request more information and apologize for the frustrationCan you please respond to the email or call us at 866-615-6319? We look forward to working with you in this matter Prosper Client Services

Initial Business Response / [redacted] (1000, 5, 2016/02/29) */ Dear ***, We are sorry to hear about your recent experience with ProsperA senior agent or supervisor will be reaching out to you to provide you assistanceWe hope to resolve your issueAs a matter of standard practice, all calls, emails and notes are reviewed for quality and training purposesWe regret this interaction and strive for excellent customer service, anything less results in opportunities for continued coaching and training and reviews of current policies and proceduresInitial Consumer Rebuttal / [redacted] (3000, 7, 2016/03/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) the lady call us and she apologies for the inconvenience but it was are fault because we was calling the wrong number the number they give to us at the first place and how many time the customer service answer are call and try to help us reach any supervisor or associate'swe don't want to re apply for the loan again we already apply and send all the document if there associates is too lazy its not my problemwe need them to deliver their promise and finish the deal Final Business Response / [redacted] (4000, 18, 2016/03/31) */ Dear ***, A senior agent will be reaching out to you to address your concernsFinal Consumer Response / [redacted] (4200, 22, 2016/04/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) Thank you very much for the worthless phone call, they did not provide any solution for the problem all that has been said is we are sorry we can not do anything to you you can apply for a loan again, but would not be 12% APRJust a waste of timeI am still waiting to be deposited the money in my account $ [redacted] ***%.as you promise so I want you to keep your word for me showing respect for your customersand stop saying we are sorry because you are not at all

Complaint: [redacted] I am rejecting this response because: Their answer is a joke! No bank that I know or mortgage company for that matter would not accept a W-or letter from the company as proof of incomeNo one ever asked me in years where it was going and I have purchased a lot of homes in my lifetime.Sincerely, [redacted]

Initial Business Response / [redacted] (1000, 5, 2016/01/11) */ Hi [redacted] , We regret the negative experiencePart of Prosper's goal is to provide a World Class customer experience, and it seems there are areas of opportunity for us to do better here We apologize for any error in our attempts to explain how the Truth in Lending Disclosure document works, including the Origination Fee, Annual Percentage Rate and Finance FeeAs previously stated in your recent phone conversation with us, please reach out directly to the Senior Agent working on your caseShe will be able to assist you further Regards, [redacted] Customer Experience Manager Prosper Marketplace, Inc Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/01/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) I received a phone call from Prosper regarding some of my complaintsThe interest and APR are unclear for a novice in financesHowever, she did attempt to provide me with further informationThough I still do not appreciate the service I received before regarding informing me that after the loan was paid off that I would not owe anything furtherThat was not the truth as there was still another payment after I thought the loan was paid in its entiretyThe representative that I gave the payment information to seemed to know little of what she was talking about Please understand that loans, interest rates, and APRs are incredibly confusing to someone who is not a finance major or who holds that kind of jobIt is the company's responsibility to try to further explain what one is getting into The representative that I just spoke with tried to tell me the difference between the APR and interest rates, and that I did in fact believe I was getting a loan for 12% when that wasn't the caseIt was still slightly difficult to understand but much better after a live person spoke to me rather than reading what was onlineI don't believe there should be such a thing as signing up for an online loan unless the process is further explained I did realize that instead of paying around for a loan I kept for a month, I actually only paid a little less than This is slightly an easier pill to swallow but still disheartening that I was charged this much to borrow $for a monthMy experience with prosper was still a terrible one for which my only semblance of any closure or understanding was the last representative I spoke to I will never be taking out a loan with prosper again Final Business Response / [redacted] (4000, 9, 2016/01/25) */ Hi [redacted] , We understand that interest and APR can be very confusing and regret not addressing your concerns to your satisfaction initiallyWe appreciate the feedback and look forward to continued research into making this a much easier process for future customers To confirm, the remaining balance was incorrect and as a result we have waived itYour loan is paid in full and nothing else is owedIf you need further assistance, please email [redacted] directly Regards, [redacted] Customer Experience Manager Prosper Marketplace, Inc

Complaint: [redacted] I am rejecting this response because: It's unclear what the refund amount isI haven't received the refund yet and would like clarification on the total amount being refunded before closing my concern.Sincerely, [redacted]

Hello [redacted] - We are very thorough when we are researching applicantsThe experience varies based on an individual’s situationWe apologize that we needed to request these documents from you, but it is an important part of the process We did want to ensure you that we do not sell or share information We appreciate your interest in Prosper, and hope that we might have the opportunity to serve you at some point in the future Prosper Client Service

Complaint: [redacted] I am rejecting this response Payments had been made the same way for months Why did they suddenly stop getting applied to my account, when my method of paying you did not change? I did ask that PROSPER stop calling me concerning that specific issue, but never to stop calling me for every issue Sincerely,Christopher [redacted]

Dear [redacted] - We apologize for your frustrationThe funds that you are requesting are invested in existing loans which were originated when you resided in an eligible stateThe move to a state that is ineligible to invest in Prosper loans prohibits further investments, but existing investments are continuing to mature per the initial notesAs the loans are paid back, the funds will then be available to be withdrawn We thank you for being a valued Prosper investor Prosper Client Services

Dear [redacted] , We apologize for the frustration you experienced while attempting to obtain a Paid In Full letterA Paid In Full letter can only be requested a minimum of ten calendar days after the final payment was receivedYour loan was satisfied on 5/24/**, placing the tenth day on 6/3/**The Paid In Full letter has been emailed to you as of todayYou can print or forward the email to any third parties as necessary If you have additional questions, please contact us by phone at or by email at [email protected] Sincerely, Prosper Client Services

Initial Business Response / [redacted] (1000, 8, 2016/01/19) */ Hi [redacted] , We sincerely apologize for the negative experienceOne of Prosper's main goals is providing our loan products in the most efficient way possible, and it seems there's an area of opportunity for us to work on Please consider this as confirmation that your account is closed and your personal identifying information is secureAccess to this information has been shut off and cannot be retrieved by anyone externallyIf you need further assistance, please email [redacted] @prosper.com and a senior agent will be assigned to your account Regards, [redacted] ***- [redacted] Customer Experience Manager Prosper Marketplace, Inc Initial Consumer Rebuttal / [redacted] (3000, 10, 2016/01/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) I would like details as to how my information is secure not only externally, but also your employees having accessYou have my social security number and you used deceptive business practices which does not give me comfort with my information in your businesses handsI am keeping your response to my complaint and that way, if my social security number is used, you will be my starting point of my investigation Final Business Response / [redacted] (4000, 12, 2016/01/25) */ Hi [redacted] , When your account is closed, Prosper cuts off online access completelySince we do not store customer submitted documents in online accounts, regardless, this is another safety measure we take to secure your personal identifying informationInternal systems are also restricted to departments and personnel that work with our customersWe take security of personal information very seriously and comply with all state and federal laws If you need further assistance, please email [redacted] @prosper.com and a senior agent will be able to assist you further Regards, [redacted] ***- [redacted] Customer Experience Manager Prosper Marketplace, Inc Final Consumer Response / [redacted] (2000, 14, 2016/01/27) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Dear ***, We apologize for any inconvenience you may have experienced while waiting for your credit report to be updatedWe gather information at the end of each month to submit to the credit bureaus in the first week or two of the following monthOnce updates are received the bureaus, they control the timeline for the information to become visible through their systemsIn your case, the loan was paid off in April, so the bureau updates would have been sent in early May Please feel free to contact us if you have additional questionsWe can be contacted by phone at 1-866-615-or via email at [email protected] Prosper Client Services

Dear [redacted] , We apologize that the application was initially approved, and when another application was submitted it was deniedWe should have provided the correct result from the beginning Kindly let us know if you have any additional questions or concerns Prosper Client Services

I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory, though I should NEVER have had to go through this much trouble to stop receiving junk mail

Complaint: [redacted] I am rejecting this response because: This message did not address the core of the issues I put forward The message is simply an admission of their guilt It does not address changing the terms of service and availability of my access to my money It especially does not address doing so without properly notifying me or its investors of that change It does not address the lack of opportunity to make changes to our accounts prior to this change It does not address the issues I brought up with customer service and response time It simply states that they did these things, and apologize for it A simple apology does not remedy this situation An empty promise about possibly considering returning liquidation options in the future does not remedy the situation Sincerely, [redacted]

Initial Business Response / [redacted] (1000, 5, 2016/01/25) */ Hi Heather, We apologize for the negative experience and the appearance of both a lack of understanding and inactionWe regret this was not fully resolved to your satisfaction and have initiated the following steps to correct this account, as follows: 1) We have submitted the necessary updates to all three credit bureaus to reflect that the loan was paid in full by the last payment you submitted 2) We have waived the remaining balanceTo confirm, you do not owe anything further on this loan as Prosper considers this to be paid in full Please allow five business days to fully reflect on your credit report and your Prosper accountIf you need anything further, please email us directly at [redacted] We thank you for your business Regards, [redacted] Customer Experience Manager Prosper Marketplace, Inc

Dear [redacted] We have received confirmation from you that the funds have been receivedWe thank you for your business.Prosper Client Services

Initial Business Response / [redacted] (1000, 5, 2015/12/16) */ Hi ***, We apologize for the negative experienceOn November 16th, we received a call from you to turn off your automatic payments and also schedule a one time payment for December 3rdThen, on December 1st we received a call to schedule one more one time payment that day Per your request, one of these payments has been submitted back to your bank accountIf you need anything further, please feel free to reach out to [redacted] @prosper.com and a senior agent will gladly assist you Regards, [redacted] ***- [redacted] Customer Experience Manager Prosper Marketplace, Inc

Dear [redacted] - We apologize, but the funds are not available to be returned at this pointAs agreed to when initially investing, the monies will be repaid in accordance with the original terms of the notesAs they mature, the funds will be available to be withdrawn We thank you for being a valued Prosper investor Prosper Client Services Tell us why here