Gibbs Painting Service

[redacted]-
A payoff quote has been sent to you along with an explanation of next steps. We apologize for the delay processing the payoff quote, and look forward to working with you to complete the payoff process.
We appreciate your business.
Prosper Client Services

Dear Mike,
 
Thank you for contacting us regarding your concern. Checking your rates with Prosper does not impact your credit score. The credit inquiry occurred when you submitted an application for a loan through Prosper and accepted an offer.  Prosper obtained a copy of your credit...

report with your authorization as part of the loan application process.
 
If you have further questions, please contact us at [redacted] or call us at [redacted]
 
Sincerely,
Prosper Client Services

Revdex.com:I have reviewed the response made by the business in...

reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Only because I made a complaint to you did they refund the entire amount. The told me since it was so close to due date they were only going to refund me half  I still do not have the letter promised, that because of their error and having to wait almost a month for the refund, all my other bill were late and I accrued late fees, for which I feel they need to pay.Sincerely, [redacted]

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

Dear Jacquelyn,Thank you for reaching out to us regarding your concern. We apologize for any frustration this situation may have caused you during this difficult time. For your security, Prosper cannot disclose account information to unauthorized third parties. While Prosper does accept payments...

from third parties, they must be able to provide sufficient information for the payment to be processed. We hope that you are doing well. If you have further questions, please email us at [redacted] or call us at 1 (866) 615-6319. Sincerely, Prosper Client Services

[redacted],
 
We apologize for the frustration regarding this matter, but our investigation is ongoing. We thank you for your recent submission of supporting documents and will continue to correspond with you as developments arise.
 
If you have further questions, please contact us at our customer service number at (866) 615-6319 or via email at [email protected].
 
Prosper Client Services

Dear Marcus,Thank you for contacting us regarding this issue. We apologize for the frustration. Details of your payoff were submitted to the bureaus on April 10. Please allow 30 - 60 days for this to reflect on your credit profile. If you have additional questions, please contact us by email at...

[redacted] or call us at [redacted]Sincerely, Prosper Client Services

Dear [redacted]-
 
We are sorry to hear about your recent experience. Prosper does not have an account in your name and does not conduct business utilizing gift cards. Unfortunately, there are no actions that we can take to resolve your issue as it was caused by the actions of a third party and...

not the actions of Prosper.
 
If you haven’t already done so, you can report this to your local law enforcement. Additionally, please note that you may contact each of the three major credit-reporting agencies to place a consumer fraud alert on your credit profile.
 
Prosper Client Services

Complaint: [redacted]I am rejecting this response because: why can't I provide the information that you are requesting. I have everything you need to verify my identify. I can provided you everything you need!Sincerely,[redacted]

Initial Business Response /* (1000, 5, 2015/08/07) */
Thank you for reaching out. We regret the negative experience as well as confusion with applying and accepting a loan through Prosper. When you went through the process of getting a rate and term for a loan, you had both selected a set amount...

and rate, as well as accepted the terms and conditions for that loan electronically. A copy of the legal agreements can be located in your online Prosper account. You also received two emails confirming that the loan had originated on July 15th, which is also visible in your online account.
As a one time courtesy, the origination fee amount of $320.00 will be refunded directly back to your bank account on file. Please allow 5-7 business days to reflect in your bank account. We appreciate your business and feedback, and hope you consider Prosper in the future for your personal loan needs.
Initial Consumer Rebuttal /* (2000, 7, 2015/08/10) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Dear [redacted],
We apologize for the experience that you had with the loan application process.  We appreciate your openness in discussing your concerns with us and appreciate your interest in Prosper.
Prosper Client Services

Based on the review of all information, we are unable to move forward with the loan origination.  As a result your account has been terminated and loan application canceled.  We apologize we cannot be of service.

Complaint: [redacted]I am rejecting this...

response because:   I did not have a problem with their application process. I applied, and was approved. My problem is,  that they never  funded the loan. If I did not qualify for the loan, I would be fine with that. All you have to do is tell me. But they told me I was approved,  yet the loan never funded. To me, this is more of an integrity issue with the company.    I have never heard of a company approving a loan,  promising to fund it, then have a manager call me to assist me in funding the loan and then have that manager not only not help me, but cancel the approval.   The company then  acts like  it is a computer glitch, even though there were a minimum of four people servicing this loan.  Their assertions are ridiculous.Sincerely,[redacted]

Revdex.com:I have reviewed the response made by the business in reference to complaint ID[redacted], and find that  this resolution is satisfactory to me. I have indeed received the gift card and I'm very pleased with the outcome of this dispute. I want to thank the Revdex.com for acting on this in such a timely matter and I also thank Prosper Bank for finalization of this dispute.Sincerely, [redacted]

Initial Business Response /* (1000, 6, 2015/08/17) */
We regret hearing this experience and strive for better service. Calls are recorded for quality and training purposes and because of this exchange, your calls have been assigned to be reviewed. Key changes in processing have already been...

implemented as a result of this situation.
Please let us know if you have anything further by reaching our Customer Service phone number at XXX-XXX-XXXX. We thank you for being a valued member of the Prosper Community.
Initial Consumer Rebuttal /* (2000, 8, 2015/08/18) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Hello[redacted]-
Thank you for reaching out. We have opted you out of our marketing materials. Please note that there may be materials already in the queue and that additional mail may be received for up to 90 days. We apologize for any inconvenience the mail has caused you.
We appreciate your...

feedback and hope you have a great summer!
Prosper Client Services

Complaint: [redacted]I am rejecting this response because:
 
I am still not able to log on.
Sincerely,[redacted]

Revdex.com:I have reviewed the response made by the business in reference to complaint ID[redacted], and find that this resolution is satisfactory to me.
Though it still seems curious whether or not they acquired my private information through legal channels or if they were attempting to gain it through manipulation. It is unfortunate that the business's policy forced this route and perhaps should be reviewed by a governing authority. However, my issue has been addressed, for this I am grateful to the Revdex.com.Sincerely, Jonathan[redacted]

Dear [redacted]-
 
Thank you for reaching out to request that no more mailers be delivered to you. We are happy to accommodate your request, and have initiated the process to remove your information from future campaigns. Please note, it may take up to 90 days for mailers already in the queue to...

be distributed.
 
If we can be of any further assistance, please feel free to contact us.
 
Prosper Client Services

Initial Business Response /* (1000, 5, 2015/10/14) */
We apologize for any confusion regarding how interest calculates on the principal balance. When you obtain a loan through Prosper you are provided a schedule of the set minimum amount to pay each month (installment) on a set day (due date). ...

Loans are fully amortized which allows us to accurately project how much of each payment goes to interest and principal.
To confirm, interest accrues daily on the current principal balance of the loan. This means the number of days between payments impacts the amount of interest accrued. When customers strictly maintain their payments through autopay the breakdown of interest and principal will stay within the projected payment schedule. In your case, the payment history reflects both payments taken automatically on the due date and manual payments before the due date. For example, your June 11th payment was made on May 15th - 27 days before it was due. The automatic payment on July 11th was made nearly two months after this payment, equaling the number of days interest accrued.
However, because you had made several payments earlier than the due date the principal balance was lower than the projected schedule, resulting in less interest paid overall (counting everything up to July 11th). Let us know if you would like a side by side comparison by emailing [redacted]@prosper.com. The breakdown of your loan is available through your online Prosper account and we would be happy to show you the overall positive impact made by paying early.
Initial Consumer Rebuttal /* (3000, 7, 2015/10/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not except the response because I have done the math for the interest collected based on the date of payment and due date. and the payments that was made for june on may collected the same amount of interest as if I had payed the amount on the due date
that's what my concern is I am owed at least 200 dollars of interest from the months of may to August.
In regards to mentioning that I payed early on some months, if we use the example for the monthly payment for 05/11/2015. I believe I payed the amount for atleast 17 days before scheduled and the amount of interest collected was to be $53.31 - $57.15 but $91.42 was collected.
if we are going based on this ratio which was explained to me by them when I got the loan;
Daily interest rate.
I am definitely owed more than $200.
and for the month of June I payed it at least 25-26 days in advance and the amount collected for interest was 78.80 when it should be 18.75.
if you are basing it on your response for paying in days in advance
I understand if the computer made an error.
All I want is the amounts of interest that where wrongly collected for June and July which should be
191.25 for the amount of June and July.
I await your prompt response.
Thank you [redacted]
Final Consumer Response /* (3000, 26, 2015/12/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have already informed the company of my settlement, yet they wish not to fulfill it. Now awaiting call from them for the past 2 weeks now. They stated they are going to review the calls
Final Business Response /* (4000, 28, 2015/12/24) */
Hi [redacted],
Our apologies for any confusion, per our last conversation we agreed to contact you should something be found through Prosper's phone recordings that indicated a mistake was made on our part. After careful and extensive research we were unable to locate any wrongdoing or misinformation provided. The interest accrual was determined to be correct and accurate.
A Customer Advocate Team-member attempted to reach you by phone yesterday but was unsuccessful. She has provided her contact information by email and can be reached Monday through Friday, 10AM to 7PM, Central Time. Please call her should you need to follow up.
Regards,
[redacted]-[redacted]
Customer Experience Manager
Prosper Marketplace, Inc.