Gibbs Painting Service

Dear *** ***-
We apologize for any inconvenience you may have experiencedThe gift card should either be in your possession already or will be in short orderPlease feel free to contact our customer service department if you need any additional assistance
We thank you for being a valued
Prosper customer
Prosper Client Services

Initial Business Response /* (1000, 5, 2015/10/09) */
Hi ***,
Sorry to hear about your experienceWhile Prosper does review the numerical credit score, it is not the only factor used in making an offerDetails as to why your application was not approved can be found on your Adverse Action
notice, including your credit score from Experian (FICO
This also does not prevent you from applying in the futureAfter the standard waiting period you are eligible to apply again and check your rateYour account will remain open in the interim and welcome you to come backIf you need further assistance, please email ***@prosper.com
Thank you,
*** ***-***
Customer Experience Manager
Initial Consumer Rebuttal /* (3000, 7, 2015/10/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
In the letter I received it said we were unable to approve you because you have to many inquiries and I told them that I shouldn't have that many because I disputed most of them with experian thats why they did another application and was denied again because they said the system takes days to update so the changes wouldn't reflect yet on my report
Final Business Response /* (4000, 9, 2015/10/26) */
Hi ***,
The number of recent inquiries is one of a few reasons why the application was deniedThe Adverse Action notice located in your online Prosper account will provide further details regarding the decisionThis notice also includes the numerical FICO score and provides instructions to contact the credit reporting bureau should you feel any information is incorrectWe base our decision in part on the credit report obtained by Experian
To reiterate, you will be eligible to apply again after the initial waiting period has passedYour account will remain open in the meantime
Thank you,
*** ***-***
Customer Experience Manager
Final Consumer Response /* (4200, 11, 2015/10/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They claimed it was because to many inquiries nothing else but now saying its several factors I have the the letter they sent me theirs always gone be an excuse to deny your loan even though I pay my bills on time never any late payments no derogatory accounts I asked for a simple small loan that would have been paid back I wouldn't need a year payment plan now they say im welcome to reapply after some time has passed *** what to be told no in my face your not good enough for us ive been told no too many times dont think I want to hear again so you close this complaint

Hello ***-
Thank you for reaching out and for working to find a resolutionWe have been in contact with the third party to discuss options, and have provided the programs that are currently available for your situationPlease pair with the third party to discuss available options
We thank
you for your business and look forward to partnering with you to find a resolution
Prosper Client Services

Initial Business Response /* (1000, 5, 2015/09/11) */
We appreciate the opportunity to address your concerns and regret the negative experience you've had so farThis call was reviewed for quality and training purposes, and based on our findings it seems there was a disconnect in communication
The agent queued up a payoff per your request but was unaware this was just to determine a quoteIt was further reinforced to the agent by your question of "will this come out of my checking account?" and the agent reiterating the date and amount(s) of the payment withdrawal from said accountThis statement was confirmed by you at the end of the phone call
If this payment was still not supposed to pull, please call us and let us know immediatelyWe appreciate your business and hope to resolve this matter to your full satisfaction
Initial Consumer Rebuttal /* (3000, 7, 2015/09/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
But will never do business with them again
What kind of agent cannot explain,balance or whyI had said yes to deduct balance until balance she gave me was more than balance I had, since when, when paying off a loan, is balance greater than the amount owed on a loan??? The reason told to me was calculated daily, sorry this does NOT make senseI paid more than balance owe on the final paymentCan someone explain that to me? I asked her then to send me how this was calculated then and called again, since did not get the statementTo this day no one ever explained
Final Business Response /* (4000, 9, 2015/09/25) */
The initial payment quoted included principal onlyLoan balance is calculated with applicable fees, accrued interest and principalThe principal balance at the time was $11,728.36, but the total loan balance was $11,807.71, which included the principal balance and the $accrued interest from the last paymentThe $11,was the correct payoff, it was just applied in two separate payments in error instead of one
This is why the agent explained one payment was for principal and the other for the remaining balanceWe regret this caused confusion over the payoff amountIf you need a total breakdown of how payments were allocated please email ***@prosper.com

Complaint: ***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 ***

*** ***,
Thank you for reaching out to usProsper takes claims of fraud and identity theft very seriously, and we would like to help you resolve the issue as quickly as possibleWe did not receive a response to our initial request for information and have no record of the documents
mentioned in this complaint
We have sent an email with details of what we will need to complete the review of this claim to the email address provided in this inquiryPlease respond with the information provided so that we can attend to this issue in an efficient manner
If you have further questions, please contact our customer service department at or via email at [email protected]
Sincerely,
Prosper Client Services

Dear ***,
Thank you for contacting us regarding your concernWe apologize for the inconvenienceYour loan’s balance has been waivedYou may view the paid status of your loan by logging in to your profile on ***If you have additional questions, please call us at * ***
*** or email us at ***
Sincerely,
Prosper Client Services

Dear Naomi,We apologize for your experience and value your feedbackThe fee you incurred will be credited back to youPlease allow up to business days for this transaction to be reflected in your bank account.If you have further questions, please email us at *** or call our
Customer Service department at * *** *** Sincerely,Prosper Client Services

Initial Business Response /* (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 ***@prosper.com
Thank you,
*** ***-***
Customer Experience Manager
Initial Consumer Rebuttal /* (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 /* (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,
*** ***-***
Customer Experience Manager

Dear ***,
Thank you for your feedback regarding this issueWe are unable to carry out this request, for the reasons mentioned previouslyProsper must retain account information for the purposes of complying with our legal obligations, resolving disputes, conducting audits, and enforcing our agreements.
If you have additional questions, please contact us at *** or call us at * *** ***
Sincerely,
Prosper Client Services

Dear Tracy,
Thank you for reaching out to us regarding your concernIt can take between - business days for a mailed check payment to arrive and be processedThe final payment was applied to the loan on 4/16/The overpayment amount will be disbursed to the bank account on fileIf you
have further questions, please call us at * *** *** or email us at ***
Sincerely,Prosper Client Services

Initial Business Response /* (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 /* (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 /* (4000, 18, 2016/03/31) */ Dear ***, A senior agent will be reaching out to you to address your concernsFinal Consumer Response /* (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 $ *** ***%.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

Hello [redacted]-
We are very thorough when we are researching applicants. The experience varies based on an individual’s situation. We 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

Initial Business Response /* (1000, 5, 2016/01/25) */
Hi Heather,
We apologize for the negative experience and the appearance of both a lack of understanding and inaction. We 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 balance. To 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 account. If you need anything further, please email us directly at [redacted]. We thank you for your business.
Regards,
[redacted]
Customer Experience Manager
Prosper Marketplace, Inc.

Complaint: [redacted]I am rejecting this response because: The problem has not been solved. I am still not yet able to log on.Sincerely,[redacted]

Dear [redacted]-
We apologize, but the funds are not available to be returned at this point. As agreed to when initially investing, the monies will be repaid in accordance with the original terms of the notes. As 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...

Dear [redacted],Thank you for following up with us regarding your concern. We have not received any updates since the initial review. Can you please submit any new information regarding this issue to [redacted]?Sincerely,[redacted] 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.

Initial Business Response /* (1000, 8, 2015/11/19) */
Hi [redacted],
We apologize for the negative experience. Your information has been removed from future marketing solicitations, however you may receive one or more letters currently in transit. We thank you for your consideration. ...


Regards,
[redacted]-[redacted]
Customer Experience Manager
Prosper Marketplace, Inc.

Dear [redacted]-
 
We apologize that the timeframe does not meet your expectations. The update has been sent and should be visible on the bureau reports in the near future.
 
Prosper Client Services