Gibbs Painting Service

Dear [redacted],
 
Thank you for reaching out to us. Prosper takes claims of fraud and identity theft very seriously, and we would like to help you resolve the issue as quickly as possible.
 
We have sent details of what is needed to complete the review of this claim.  Upon receipt...

of all requested documents we can proceed with the investigation. Physical documents can be sent, but for faster processing scans of the requested documents can be emailed to [email protected].
 
If you have further questions, please contact our customer service department at (866) 615-6319 or via email at [email protected].
 
Prosper Client Services

Dear Michael,Thank you for contacting us regarding your concern and for reaching out to us directly to resolve this matter. The Truth In Lending Agreement was accepted by you on April 20, 2018. We understand that you do not want the loan and have cancelled it. Prosper has waived the accrued interest...

and the origination fee. We apologize for any frustration. If you have further questions, please call us at [redacted] or email us at [redacted]Sincerely,Prosper Client Services

Dear [redacted]-
We apologize for the frustration you have experienced while working to complete the loan process. As we are an online company, we do require account holders to have ongoing access to the email address associated with their Prosper account.
While completing our review process to...

complete the loan, we do require legible versions of documents. Unfortunately, it sounds like some of the items we received were not able to be reviewed and we needed to request that a better image be sent. We have multiple ways that requested information can be sent to us; faxing is not a requirement.
We would love to work with you to complete the loan process. If you are interested in learning more about our other options for how the documents can be sent (likely without cost) please do reach out. We can be reached at 866-615-6319, or by email at [email protected]. 
Prosper Client Services

Initial Business Response /* (1000, 5, 2015/08/13) */
We thank you for reaching out to address your concerns. Excellent Customer Service is a top priority for Prosper, and it appears we could have made a better attempt in resolving this issue. We regret hearing your negative experience.
For an...

unknown reason, the payoff payment amount was scheduled for only the principal balance and did not cover the entire loan balance (principal balance plus accrued interest). Prosper loans have fixed rates with simple interest and are fully amortized with interest accruing daily. This is why a balance was still left on the loan - interest that accrued from the last monthly payment at the time of payoff.
Please accept our sincere apologies for the negative treatment through Customer Service. Our Quality Team will review all calls associated with this transaction. As a courtesy for the issue, a refund in the amount of the remaining balance you had paid will be submitted back to the primary bank account on file. We appreciate your business and hope you consider Prosper Marketplace in the future for your personal loan needs.

Complaint: [redacted]
I am rejecting this response because: I am not responsible for [redacted]'s moral and ethical dilemma. [redacted] has all the information they need to complete my request to delete that fraudulent loan from my credit report. [redacted] has the legal right to contact the company that they sold the loan and obtain the court documents that dismissed this loan with prejudice. Also, [redacted] Marketplace is lying. I gave [redacted] Credit Reporting Agency a copy of the Court Document (that I had given to you Revdex.com) and [redacted] sent them a copy of that court document in March 2018 on my behalf as disputing the fraudulent loan again and requesting that they remove that loan from my credit report. [redacted] informed me that [redacted] stated that the loan belongs to me and they rejected my request in the exact same language that was used on their first response of this complaint at Revdex.com. [redacted] Marketplace has no intention of deleting that loan from my credit report. Thank you very much Revdex.com for your diligence and desire to assist me with this complaint. 
Sincerely,
[redacted]

Dear Everett,
 
Thank you for contacting us regarding your concern. We apologize for the frustration. An update has been sent to the bureau to reflect the status of your account with us.
 
If you have further questions, please email us at [redacted] or call us [redacted] [redacted]...

[redacted]
 
Sincerely,
 
Prosper Client Services

Dear Rosa,
Thank you for reaching out to us regarding your concern. For security reasons, Prosper cannot disclose information to third parties regarding applications.
Prosper does not discriminate on the basis of race, color, religion, sex, national origin, or sexual orientation.  We do...

require that all prospective borrowers are able to read and understand the truth in lending statement, the  disclosures, and other communication.
Sincerely,
Prosper Client Services

Initial Business Response /* (1000, 5, 2015/11/17) */
Hi [redacted],
We apologize for the technical error. The credit was made to clear out the balance but due to the timing of posting, the system reported it as a late payment. This should not have occurred and we regret the negative...

experience.
We are in the process of updating all credit reporting agencies to remove the erroneous status. Please allow 5 business days to reflect the change. If you need further assistance please reach out to [redacted]@prosper.com or call XXX-XXX-XXXX Monday through Friday from 5AM to 6PM and Saturday from 6AM to 2:30PM, all times Pacific.
Regards,
[redacted]-[redacted]
Customer Experience Manager
Prosper Marketplace, Inc.
Initial Consumer Rebuttal /* (2000, 7, 2015/11/18) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Hello,
Yes, at this time I'm satisfied with company's response. My hope is that I'll actually see the correction on my credit reports.
Thank you.
Final Consumer Response /* (3000, 12, 2015/12/16) */
Hello,
I would like to re-open the case.
The late payment reportings to the credit burros had not been removed yet.
Please let me know what I need to be doing to reinstate the case.
Thank you
[redacted]
Final Business Response /* (4000, 14, 2015/12/30) */
Hi [redacted],
We have confirmed the status update to remove the late payment has reached all three credit bureaus. If you do not see this update, please email us directly at [redacted]@prosper.com.
Regards,
[redacted]-[redacted]
Customer Experience Manager
Prosper Marketplace, Inc.

Dear [redacted]-
We apologize for the frustration that you have had while paying off your Prosper loan. Both your Prosper account and Experian have been updated to reflect that the account as paid in full and not late.  
We appreciate your business and hope that you have a fantastic rest of the...

year.
Prosper Client Services