Gibbs Painting Service

Dear [redacted] - We are sorry to hear about your recent experienceProsper does not have an account in your name and does not conduct business utilizing gift cardsUnfortunately, 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 enforcementAdditionally, 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

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 meOnly because I made a complaint to you did they refund the entire amountThe 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***, 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 requestWe can be reached by phone at 866-615-6319, or by email at [email protected] 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 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 manipulationIt is unfortunate that the business's policy forced this route and perhaps should be reviewed by a governing authorityHowever, my issue has been addressed, for this I am grateful to the Revdex.com.Sincerely, Jonathan***

Dear ***- Thank you for reaching outThe official link to qualify for miles was not initially utilized so manual intervention was required to award the milesWe have reached out to [redacted] directly to ensure that your Mileage Plus account is credited for the miles that you have earned by taking out a loan with ProsperWe apologize that this process has taken longer than is typical Though the miles will likely be credited to your account sooner, please check your Mileage Plus account on June 27, [redacted] and let us know if there are any issues We thank you for your business and look forward to having the issue resolved for you 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 themIn 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 databasesSincerely, [redacted]

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

Dear [redacted] ,Thank you for following up with us regarding your concernWe have not received any updates since the initial reviewCan you please submit any new information regarding this issue to [redacted] ?Sincerely, [redacted] Client Services

Dear Gladys, Thank you for reaching outAll loans obtained through the Prosper marketplace include a one-time origination fee charged to the borrowerThe origination fee is automatically deducted from your loan proceeds before your money is transferred to you and is part of the overall amount financedThe origination fees are disclosed on the Prosper website in an article on the Prosper Help Center and in any offers presented to you during the application processIt is indicated again on the Truth in Lending Disclosure after an offer is selectedWe apologize for any frustration this may have caused you.If you have further questions, please email us at [redacted] or call us at [redacted] .Sincerely,Prosper Client Services

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

Dear Jacquelyn,Thank you for reaching out to us regarding your concernWe apologize for any frustration this situation may have caused you during this difficult timeFor your security, Prosper cannot disclose account information to unauthorized third partiesWhile Prosper does accept payments from third parties, they must be able to provide sufficient information for the payment to be processedWe hope that you are doing wellIf you have further questions, please email us at [redacted] or call us at (866) 615-Sincerely, Prosper Client Services

[redacted] - We have no record of receiving the mentioned documents either via physical mail nor emailIf 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 filesPlease send this information to [email protected] to help expedite this researchAnother 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

Dear Mike, Thank you for contacting us regarding your concernChecking your rates with Prosper does not impact your credit scoreThe 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

Complaint: [redacted] I am rejecting this response because: Items have been sent as requested timesStill Awaiting response.Sincerely, [redacted] ***

Dear Yvonne, Prosper did receive an application in your name through a partner siteHowever, no loan was initiated, and the application did not impact your credit If you have additional 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 meI have indeed received the gift card and I'm very pleased with the outcome of this disputeI 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]

Dear Evander,Thank you for following up with usSending funds to Prosper before obtaining your loan is not a part of our processUnfortunately, 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

Complaint: [redacted] I am rejecting this response because:Sincerely, [redacted] they should have accepted all the info I sent by fax the first timethey knik picked about everythingI went down to fax the paper work times for them and they still wasn't satisfiedI spent $ [redacted] and I have the receipts for themI have no other way of sending them the infoI have no smart phone or send the info by computerI feel they were leading me on and I knew by the way they were operating I would have been turned downWhy 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 wasthey should be shut down!!! They cant be making fools out of people like thisI will not accept their lies!!!

Initial Business Response / [redacted] (1000, 5, 2015/11/20) */ Thank you for taking the time to speak with us today over the phoneWe apologize for the negative experience, please reach out to me directly should you have any additional concerns or questions going forward Regards, [redacted] ***- [redacted] Customer Experience Manager Prosper Marketplace, Inc

Initial Business Response / [redacted] (1000, 5, 2015/08/07) */ Thank you for reaching outWe regret the negative experience as well as confusion with applying and accepting a loan through ProsperWhen 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 electronicallyA copy of the legal agreements can be located in your online Prosper accountYou 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 $will be refunded directly back to your bank account on filePlease allow 5-business days to reflect in your bank accountWe appreciate your business and feedback, and hope you consider Prosper in the future for your personal loan needs Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/08/10) */ (The consumer indicated he/she ACCEPTED the response from the business.)