Gibbs Painting Service

Dear Evander,Thank you for following up with us. Sending funds to Prosper before obtaining your loan is not a part of our process. Unfortunately, the requests that you describe were from a third party and are unrelated to our business.If you have further questions, please email us at [redacted] or call us at [redacted].Sincerely,Prosper Client Services

Initial Business Response /* (1000, 6, 2015/12/07) */
Hi [redacted],
We regret the negative experience you've had with billpay payments. A senior agent has been assigned to your account and will be in contact shortly. We look forward to speaking with you.
Regards,
[redacted]...

[redacted]-[redacted]
Customer Experience Manager
Prosper Marketplace, Inc.
Initial Consumer Rebuttal /* (2000, 8, 2015/12/10) */
(The consumer indicated he/she ACCEPTED the response from the business.)

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. Sincerely, [redacted]

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]

Dear [redacted],
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.
Prosper Client Services

Complaint: [redacted]I am rejecting this response because: I have provided Prosper the documents required by the company . The documents were sent by certified mail and emailed to the designated email provided by the company . Sincerely,[redacted]

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 through [redacted]. Unfortunately, there are no actions that Prosper can take to resolve your issue as it was caused by the actions of a 3rd...

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:
Prosper states that there was no loan application but yet in the original email I received, it says I was denied and they even disclose my credit score.  How is that possible? This is contradicting!!! How can you deny a loan application that I never signed for but yet they say that I was denied and even list my score and the reasons for the denial ??? 
I don’t want nor do I have the time to continue this back and forth game, I am requesting a formal signed letter from Propsper’s administrator or whomever has the authority where it states there was no loan application ever signed by me and in no way shape or firm shall it be considered a pull on my credit for future purposes. I do not want this in email format.
Sincerely,Yvonne[redacted]

Initial Business Response /* (1000, 5, 2015/12/16) */
Hi [redacted],
We apologize for the negative experience. On November 16th, we received a call from you to turn off your automatic payments and also schedule a one time payment for December 3rd. Then, 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 account. If you need anything further, please feel free to reach out to [redacted]@prosper.com and a senior agent will gladly assist you.
Regards,
[redacted]
Customer Experience Manager
Prosper Marketplace, Inc.

Complaint: [redacted]I am rejecting this response because:Prosper's reasoning is unjustified as per my previous note.Sincerely,[redacted]

[redacted]-
 
We have no record of receiving the mentioned documents either via physical mail nor email. If you could provide details about the certified mail letter (location it was sent to, date it was received, specifics about signature) that may help us locate these critical files. Please send this information to [email protected] to help expedite this research. Another option is to send these documents from the email address currently associated with your Prosper account to ensure the files are immediately related to this concern. 
 
Prosper Client Services

Initial Business Response /* (1000, 5, 2015/12/01) */
Hi [redacted],
We apologize for the negative experience and subsequent lack of communication provided. The issue has been fixed and you should be able to see your loan and payment history online, as well as make payments. If there are any...

further concerns please email [redacted]@prosper.com and a senior agent will be able to assist you. Any fees as a result of this issue will be corrected immediately. We thank you for being a valued member of the Prosper Community.
Regards,
[redacted]
Customer Experience Manager
Prosper Marketplace, Inc.
Initial Consumer Rebuttal /* (3000, 7, 2015/12/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
As of right now, the website is down again and I am unable to make a payment online, view my previous payments or see if the late fee has been removed or any other load details.
Please remedy this matter before my payment is late again.
Final Business Response /* (4000, 9, 2015/12/16) */
Hi [redacted],
We can confirm the issue has been fixed. When you successfully log in you should see your loan details on the overview page, as well as options to make a payment and view details of the loan.
Regards,
[redacted]
Customer Experience Manager
Prosper Marketplace, Inc.

Initial Business Response /* (1000, 5, 2015/12/14) */
Hi [redacted],
Our apologies for the error. We will be adding the credit this week to your bank account. Please reach out to [redacted]@prosper.com for anything going forward, we appreciate you being a valued member of the Prosper Community. ...


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

Unfortunately, Prosper was unable to identify you as an individual with whom we can do business. We apologize we cannot be of service.

Initial Business Response /* (1000, 8, 2016/01/22) */
Hi [redacted],
At a minimum Prosper is required by Regulation B, the implementing Federal regulation of the Equal Credit Opportunity Act to maintain loan application records for a set amount of time. We regret the negative experience.
Prosper...

takes security of personal identifying information very seriously. We safeguard all data and documents related to applications and loans. Rest assured, the information submitted for a loan request is secure.
Regards,
[redacted]
Customer Experience Manager
Prosper Marketplace, Inc.

Complaint: [redacted]I am rejecting this response because:Sincerely,[redacted] they should have accepted all the info I sent by fax the first time. they knik picked about everything. I went down to fax the paper work 3 times for them and they still wasn't satisfied. I spent $[redacted] and I have the receipts for them. I have no other way of sending them the info. I have no smart phone or send the info by computer. I feel they were leading me on and I knew by the way they were operating I would have been turned down. Why didn't they tell me the first time I called for the loan!! I went into their business complaints and believe me there was a lot of people treated the way I was. they should be shut down!!! They cant be making fools out of people like this. I will not accept their lies!!!

Complaint: [redacted]I am rejecting this response because: I have not spoke to anyone Sincerely,[redacted]

Initial Business Response /* (1000, 5, 2015/10/28) */
Hi [redacted],
We regret hearing the negative experience and will review the details of your credit report and payment history to make sure the correct payment history is reported to the credit bureaus. A senior agent will be reaching out to...

you within the next 24 hours.
Thank you,
Initial Consumer Rebuttal /* (3000, 7, 2015/11/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I will accept the response once I see that my credit report has been cleared of all negative reporting. I have tried over and over to clear this myself.
Final Business Response /* (4000, 9, 2015/11/18) */
Hi [redacted],
Thank you for your time today in speaking with one of our senior agents. Please reach out to him directly should you need any further assistance. We appreciate your concerns.
Regards,
[redacted]
Customer Experience Manager
Prosper Marketplace
Final Consumer Response /* (4200, 11, 2015/11/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I checked my credit report today and nothing has changed. The advisor told me that the 30 days late was so old that they don't matter because they won't hurt my credit. I need them to be removed period, like he told me he would.

Initial Business Response /* (1000, 5, 2015/09/23) */
We regret hearing about the negative experience. Prosper follows all state and federal lending laws and do not discriminate against disabled individuals. You were asked to provide further supporting documentation of your income based on your...

stated employment status, since it may have included more than one source. This is consistent with other types of verification Prosper may ask prospective borrowers such as yourself to provide.
We hope you consider Prosper for your personal loan needs in the future. Should you need anything further, including any accommodation for submitting paperwork, please reach out to us at [redacted]@prosper.com and a senior agent can work with you directly.

Dear Jessica,Thank you for contacting us regarding this issue. We apologize for the inconvenience and miscommunication. A refund has been disbursed; please allow 1 - 3 business days for it to appear in your bank account. If you have further questions, please email us at [redacted] or call...

us at [redacted]Sincerely,Prosper Client Services