Gibbs Painting Service

Complaint: [redacted]I am rejecting this response because: I asked to know why and you just never answer me. Each time you just say you needed more. I want to know why a W2 and a letter from the company was not good enough. Any bank I ever dealt with would accept either of those as proof of income but not you. Why??????Sincerely,[redacted]

Dear [redacted]
All loans through the Prosper platform are originated by WebBank, an FDIC insured and Utah-chartered industrial bank.  As a result, and as indicated in the Promissory Note and the Borrower Registration Agreement, all loans through the Prosper platform are governed by federal...

law and, to the extent that state law applies, the laws of the State of Utah. We are not able to lower your interest rate as the terms of your loans are permissible under the applicable law.
We thank you for being a valued Prosper customer.
Prosper Client Services

Complaint: [redacted]I am rejecting this response because: it is basically BS.  But that is to be expected.  The Revdex.com has been poor at helping time and again so there is no reason to be different in this situation.  I’m not really sure of what the Revdex.com actually does bu it is not protecting the consumer from my experience.  I’ll handle this on my own and laugh when Prosper starts asking me to settle at a much lower amount than I offered originally and I tell them no thanks. You can charge it offSincerely,David [redacted]

Dear [redacted]-
We apologize that this process was not more streamlined for you, but we will be awarding those miles. We have reached out to you directly to get the required details and should have what we need. We anticipate that the miles will be available to you within 3 – 4 weeks.
We thank you...

for your patronage and hope that you have a fantastic holiday season!
Prosper Client Services

Dear Al,Thank you for reaching out to us. We have attempted to research your account but were unable to do so based on the information provided. For your privacy, please do not post your information through this response but instead please email [redacted] from the email address on file...

with your name as it appears on the Prosper account. Please reference that the information is being sent on behalf of a Revdex.com complaint so that we can look into this matter further.Sincerely,Prosper Client Services

Dear Jonathan,
We apologize for any frustration. We have opted you out of further outreach based on the information provided in this complaint. Unfortunately, you may receive mailings that have already been prepared or mailed for 90 days after this request is submitted.
Sincerely,
Prosper Client...

Services

Dear [redacted]
Great that the refund has processed. Per our discussions, next steps have been provided to bring the account up to date. Please let us know if we can provide any additional information.
Prosper Client Services

Dear[redacted],
 
We apologize for the frustration you experienced when attempting to have fees waived.  After a thorough review of the contact history, we validated that while many requests were made for fees to be waived there was no promise made by us to do so.
 
Please feel free to...

reach out to us if you have additional questions about this request. We can be reached by phone at 866-615-6319, or by email at [email protected].
 
Prosper Client Services

Dear [redacted]-
We apologize that this has been a frustrating process. The refund has been initiated; the funds will be in your account shortly if they are not there already.
We appreciate your business and hope you have a great holiday.
Prosper Client Services

Complaint:[redacted]I am rejecting this response because:
I disagree with the response that the business Prosper has indicated.  First of all, on January 19, 2018 I received an email that I did not qualify for a loan from Prosper because it exceeded the amount that I qualified for based on Prosper's score.  Not only do they tell me the reasons for the denial, but they also provided me a score of 728. 
I have repeated many times that I did not apply for a loan through Prosper nor did I accept nor sign any paperwork.  In my original complaint, I am asking for evidence as to where I requested this loan and with whose permission did they pull a credit report without my authorization.  I do not want to go back and forth with this matter, I want this business to correct the problem and/or fulfill my request of providing me the proof of the "application" they are referring to. 
Prosper is misleading and lying to people by reflecting incorrect information.  Their January 7th response was the exact same response they sent me on January 23, 2018.  This response does not prove their denial and allegations that I applied and evidence of my signature and approval of a loan request.Sincerely,Yvonne[redacted]

Hello [redacted]-
We apologize for the delay processing the check. The account has been updated to reflect that it has been paid in full.
We appreciate your business and hope you have a great summer!
Prosper Client Services

Complaint: [redacted]I am rejecting this response because: Thank you for responding to my concern, however it did not address my specific issue.  My concern is specifically over your retaining my BANK ACCOUNT NUMBER.  I have accounts with numerous other financial institutions like [redacted], [redacted], and brokerage firms who have never had any problems with removing my external banking information or credit card numbers from my account with them. In fact that option is built into their websites.  I have no problems with Prosper keeping my account information that pertains to Prosper, however I want my external BANK account number removed from my Prosper account.
It is nice to know that Prosper is taking active steps and has safeguard to protect our information, however we also know that these safeguard are only for know vulnerabilities and even giant institutions like Equifax can be hacked, so I would prefer to just not have my information in your databases. Sincerely,[redacted]

Dear Nancy,
Thank you for following up with us regarding this issue. A packet of information was mailed to you by Prosper on April 9, 2018. Please refer to the enclosed documents for additional detail. Regarding the change in ownership, please refer to the email sent to the email address on file on January 25, 2017 discussing this matter.
At this time, Prosper is no longer the owner of your loan, and is no longer making efforts to collect on the aforementioned account. If you have additional questions, please contact Velocity Investments LLC at [redacted] or by email at [redacted]. Prosper is required to report accurate information to the credit bureaus and cannot remove the loan from your credit report.
Sincerely,
Prosper Client Services

Dear David,Thank you for following up with us regarding your concern. If settlement offers do become available, Prosper will attempt to work with eligible borrowers. No settlement option is available at this time. If you have additional questions, feel free to reach us at [redacted] or call us at [redacted].Sincerely,Prosper Client Services

Complaint: [redacted]I am rejecting this response because:I want to know the...

reason. No one will tell me why. I want the chance to get this loan. Everyone raves about your customer service and your company. I really need this loan to pay off credit cards. I want the chance to provide all of the documentation to prove I'm me. Sincerely,[redacted]

Initial Business Response /* (1000, 5, 2016/01/05) */
Ms. [redacted],

We're sorry to hear about this ordeal. Prosper has escalated this complaint to our Fraud department for investigation. A customer service agent will reach out to you and provide you with an update on your situation. Prosper takes...

issues with fraud very seriously. If you haven't already done so, please report this to your local law enforcement. They should be able to assist you with this issue.
Regards,
Prosper Client Services
[redacted]

Initial Business Response /* (1000, 5, 2016/01/29) */
Thank you for contacting Prosper. We sincerely apologize for negative experience.
Anytime a customer applies with Prosper and we cannot approve them, they are redirected to our partners; such as Am One. However, we do not obligate you in...

any way to visit a partner's site or conduct business with them.
While a credit score of 640 is the minimum requirement to get a loan through Prosper, we also look at factors that determine your score, such as:
Debt-to-income ratio
Any possible delinquencies
Credit inquiries within the last 6 months
Bankcard utilization
All of the aforementioned, including a few more factors, determine eligibility, rates, terms, etc.
Please let us know if you have any questions or concerns.

Dear [redacted],
 
We apologize for any inconvenience we may have caused by discontinuing our note trading option for investors. We are always looking for additional opportunities to enhance our offerings and remain committed to our investors. If another secondary market emerges that would provide...

sufficient value to our investors we will review the opportunity to partner with the service.
 
We thank you for being a valued Prosper investor.
 
Prosper Client Services

Dear Mohamed,
 
Thank you for contacting Prosper. Prosper has submitted an update to your credit report. You should see your December 2017 payment updated in credit bureau reports within 30-60 days.
 
If you have additional questions, please email us at[redacted] or call us...

at [redacted]
 
Sincerely,
Prosper Client Services

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