Gibbs Painting Service

Dear David,Thank you for reaching out to us regarding this issueThere is no settlement option available at this time, as advised by our agentsHowever, Prosper does permit borrowers to pay their loans in full before the maturity date without incurring a prepayment penalty. Please note it may
take - business days for responses to be issuedWe apologize for any frustration experienced while looking into this matter. If you have further questions, feel free to email us at*** or call us at *** ***Sincerely,Prosper Client Services

Initial Business Response /* (1000, 8, 2015/09/25) */
We have removed this customer from our mailed marketing listBecause marketing letters are pre-printed in advance there may be one or two letters that the customer may receive in the interim
As always, the customer can opt-out of
pre-screened offers by calling the toll free number located on both the front and back of the letter: X-XXX-XXX-XXXX
Thank you,

Dear Jerry,
Thank you for reaching out to Prosper regarding your concernPlease call us at * *** *** to make a final payment of $by April 6, Afterwards, Prosper will waive the remaining balanceYour account has been notated so that the agent who processes your request
can refer to this information and escalate the issue once payment is receivedWe apologize for the frustration and value your feedback
Sincerely,
Prosper Client Services

Initial Business Response /* (1000, 5, 2016/01/05) */
Hi ***,
We apologize for the negative experienceThe pre-paid finance fee, or origination fee, is included in the Truth in Lending disclosure prior to accepting an offerA senior agent attempted to reach you by phone today to follow
up but was unsuccessfulShe will be sending an email to the email address on file very soonYou may reply directly to that email with any further concerns
We appreciate you choosing Prosper for your personal loan needs
Regards,
*** ***-***
Customer Experience Manager
Prosper Marketplace, Inc
Initial Consumer Rebuttal /* (3000, 7, 2016/01/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
As mentioned in the original complaint, the advertisement was deceiving and I did not understand the terms of the contractI returned the money as soon as my family helped me understand the terms of the loan were not what I thought I was gettingI am requesting a reduction in the "origination fee"I don't think $is a fair charge for having the money only business daysThis company seems to be praying on elderly people who are unable to fully understand these complicated loans!
Final Business Response /* (4000, 9, 2016/01/25) */
Hi ***,
We have been attempting to contact you by both phone and email and have been unsuccessfulWe would like to address your concerns if and when you have a momentPlease reach out to the senior agent assigned to your case and we will be happy to speak with you
Regards,
*** ***-***
Customer Experience Manager
Prosper Marketplace, Inc

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meSincerely, Tracy ***

Initial Business Response /* (1000, 5, 2015/11/20) */
Hi ***,
We apologize for the negative experienceWe received inquiries regarding sof the account to sell notes, and sent instructions back to the email address on file on the following
dates:
11/07/
11/17/
11/12/
Due to the current Prosper account set-up, there are additional steps needed before accessing the secondary trading platformIf you did not receive these instructions please let us know by emailing ***@prosper.com
We have attempted to reach you by phone this week but were unsuccessfulPlease reach out to our Investor Team directly for further resolution, the phone number was provided in the voicemailWe will be able to assist in the account set up
We regret this did not meet your expectations and look forward to working with you to gain access
Regards,
***-***
Customer Experience Manager
Prosper Marketplace, Inc

Dear ***-
We apologize for the frustration that you experienced while working to schedule your paymentWhile the due date cannot be changed, it is acceptable to pay on a date other than the due dateWe have provided a credit to your account to cover any fees that may have been incurredWe
appreciate your business and thank you for being a valued customer
Prosper Client Services

Hello ***-
We apologize for the frustration, and have reached out to you directly with a request for informationCan you please respond to the email or call us at 866-615-6319? We look forward to working with you in this matter
Prosper Client Services

Dear ***-
We are sorry to hear about your accident and hope that your recovery is going wellAs far as the large payment, it cannot be applied to cover multiple payments in the futureA payment that is larger than a regular monthly payment utilizes any supplemental funds to pay down the
principal on the loan
We have reviewed the account and have requested a refund for payments in excess of amounts already owedAs the account is not current there are additional steps requiredWe will be in contact with you to keep you informed about this process
We thank you for your business
Prosper Client Services

Hello *** ***-
Thank you for submitting your feedbackUpon review of the account we see that payoff quotes have been providedPer request, they have been provided in multiple formatsUnfortunately, we do not send out paper payoff requests, but do provide a payoff quote on Prosper
letterheadThis payoff quote can be printed in the event that a paper copy is preferred
We thank you for your business and congratulations on paying off your loan!
Prosper Client Services

Complaint: ***I am rejecting this response because: You have received and/or requested the police report, ID theft affidavit etc and it has been documented by myself as receiptFurthermore, the credit bureaus have also informed me that this company has been sent the information needed to conduct a proper investigationThere is nothing else to sendItem must be deleted IAW FCRA/FDCP guidelines if proper validation is not given as requestedI have sent what was necessary to prove this case and will await the outcome.Sincerely,*** ***

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meSincerely, *** ***

Dear ***,
We apologize for the miscommunication of the response time for a ticket in our Investor services teamThe average time it takes for any ticket to be addressed is - business daysWhile we did reach back out in that timeframe, we did not set the expectation properly
Regarding the ability to sell Prosper notes, we have no guarantee of liquidity and do not have a note trading option built into our product as noted in our ProspectusWe do apologize for any inconvenience this causes, and remain committed to finding future opportunities enhance our options for our Investors
Sincerely,
Prosper Client Services

Hello ***-
Thank you for reaching out about your concernWe apologize for the situation, and wanted to provide some additional information about the root cause of the issue
During a discussion with one of our agents, it was discussed that the payment that was already scheduled was going not
expected to process successfullyAs a result of that discussion, the agent agreed to schedule the second paymentUnfortunately, the payment that was not expected to process did complete, and the next payment then processed as scheduled
We have refunded the payment as requested, and apologize for the inconvenience you experiencedIf there are any questions or if we can provide any additional clarification, please do not hesitate to reach out
Best Regards,
Prosper Client Services

Initial Business Response /* (1000, 5, 2016/01/06) */
Mr***,
We are sorry to hear about this ordealA senior customer service agent will reach out to you with the results of Prosper's fraud department's reviewProsper takes issues with fraud very seriouslyIf you haven't already done
so, we suggest that you report this to your local law enforcementThey should be able to assist you with this issueAlthough Prosper has no record of contacting you in the past, we've made efforts to prevent you from receiving any marketing materials from our company in the future
Sincerely,
Prosper Client Services

Initial Business Response /* (1000, 5, 2015/12/29) */
Hi ***,
We apologize for the negative experience and issues impacting your ability to make payments onlineA senior agent has been assigned to your account and will be reaching out to you to discuss over the
phone
Regards,
***
Customer Experience Manager
Prosper Marketplace, Inc
Initial Consumer Rebuttal /* (3000, 7, 2016/01/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The problem still persists, I cannot pay the bill on-line with the correct drop down selectionsPlease rate them poorly for responding to customer concernsThis matter is totally unresolvedI cannot pay my bill! Please fix the system, it has been months
Final Business Response /* (4000, 9, 2016/01/25) */
Hi ***,
Per our conversation via email, the issue has been escalated for resolutionWe anticipate having this corrected soonShould you need additional assistance, please email ***.com directly
Regards,
***
Customer Experience Manager
Prosper Marketplace, Inc

Revdex.com:I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to meSincerely, Jerry ***

Dear Evander,
Thank you for contacting Prosper regarding this issue, we are sorry to hear about your frustrating experienceUnfortunately, we do not have an application on file matching the information you providedProsper deposits funds directly into borrowers’ bank accounts and does
not issue checks
If you have further questions, please contact us at * *** *** or email us at ***
Sincerely,Prosper Client Services

Dear ***,
We thank you for reaching out to us with your concerns regarding this issueAt this time, we have not yet received all of the documents that are necessary to complete the investigationWe have emailed you with details about what is neededPlease use those details as a checklist when aggregating information so that we have all information required to move forward with the review
Prosper Client Services

Initial Business Response /* (1000, 5, 2015/10/09) */
The phone conversation with the bank was one of several phone conversations Prosper had with the customer and was not the main factor in our decisionBased on other phone conversations and documentation, there were discrepancies we could not
reconcile and therefore could not continue forward
Initial Consumer Rebuttal /* (3000, 7, 2015/10/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I requested a formal written letter via postal mail of explanationThis is not a formal written response to my complaintPlease notify me when it will be mailed
Final Business Response /* (4000, 9, 2015/10/21) */
Prosper Marketplace offers its loan product solely online and all communication is provided electronically or over the phoneAs such, an email explaining the reason for the cancellation will be sent to the email address on file within hours
Prosper takes security of personal identifying information very seriouslyWe have removed access to the account on the public site as well as safe guard all documentation and notes related to the transaction
Final Consumer Response /* (4200, 13, 2015/10/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I requested formal written correspondence, not an e-mail - please spend the necessary postage to fulfill my response