Gibbs Painting Service

Dear Yvonne,
Thank you for following up with usAs stated previously, Prosper did receive an application in your name to check available ratesHowever, no hard inquiry was incurred, and no loan terms were signed or accepted
If you have further questions, please contact us at *** or call us at* *** ***
Sincerely,
Prosper Client Services

Dear Yvonne,Thank you for reaching out to us regarding your concern. The email you received was sent from Prosper in response to a loan request submitted in your name, which may have come through one of Prosper’s partners’ websites or through Prosper directly. Should you have any
additional questions, please call us at*** or email us at ***Sincerely,Prosper Client Services

Complaint: ***I am rejecting this response because: Their answer is a joke! No bank that I know or mortgage company for that matter would not accept a W-or letter from the company as proof of incomeNo one ever asked me in years where it was going and I have purchased a lot of homes in my lifetime.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, Marcus ***

Dear*** ***,
We apologize for the issue with payment processingThe duplicate payments have been released to your bank accountIf you have questions regarding the refund or payoff, we can be reached by phone at 866-615-6319, or by email at [email protected].
We regret that there
was an issue with the final payment, but we are glad we could rectify it quicklyCongratulations on paying off your loan
Prosper Client Services

Dear *** ***-
Thank you for reaching out to inquire about this paymentUnfortunately, we have not received the funds for payment of your loanPer the information that was sent, the check was endorsed by a different organizationWe hope that you are able to partner with your financial
institution to resolve this issue
We thank you for being a valued Prosper customer
Prosper Client Services

Initial Business Response /* (1000, 5, 2015/09/11) */
Hi ***,
We're sorry to hear about your negative experienceWhen you have a moment, we'd like to address your concerns once more over the phoneA senior agent has been assigned to your case and has reached out to you by emailPlease
contact her directly going forwardWe look forward to talking to you soon
Regards,
*** ***
Customer Experience Manager

Initial Business Response /* (1000, 5, 2015/09/04) */
We regret hearing the negative experience of not being able to speak to a supervisor to address your concernsA senior manager has reached out with his direct contact information by emailPlease call him directly going forward for this
matterWe attempted to reach you by phone but the number did not allow us to leave a message
We look forward to speaking with you
Initial Consumer Rebuttal /* (3000, 7, 2015/09/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The number I provided is my cell phone and does allow messagesThe company has a valid phone number, which messages can be left, and a valid email
Final Business Response /* (4000, 9, 2015/09/10) */
Thank you for your response and apologies for any confusionFor the security and protection of your account we are only able to contact you at the phone number(s) provided in your Prosper accountThree attempts were made to reach you at this number and we were unable to leave a message
An email was sent on August 28th that contained the contact information of a Prosper Customer Service ManagerThis will be forwarded again to this same email addressWe look forward to speaking with you

Initial Business Response /* (1000, 5, 2015/12/16) */
Hi ***,
Our apologies for the negative experienceOn every "pre-approved" offer letter there is a notice on either the back or bottom of the formIt reads:
"Pre-Approved credit offer: You received this offer because you met certain
criteria for creditworthinessWe may not extend credit to you if, after receiving your application, we find that you do not continue to meet the criteria used to select you or you do not meet any applicable criteria bearing on your creditworthiness established prior to your selection..."
To confirm, credit scores can change from the time we reviewed your profile to extend a pre-approved offer to when you received it and appliedWhile the pre-approved letter is based on your credit score at the time of review, we have to perform a credit pull at the time of application (does not impact your score)We regret we were not able to meet your expectations
Regards,
*** ***-***
Customer Experience Manager
Prosper Marketplace, Inc

Initial Business Response /* (1000, 8, 2015/10/08) */
We regret the negative experienceAs a matter of safety and security the account(s) has been closed as well as calls and processes are reviewed for quality and training purposes

Initial Business Response /* (1000, 5, 2016/01/11) */
Hi ***,
We regret the negative experiencePart of Prosper's goal is to provide a World Class customer experience, and it seems there are areas of opportunity for us to do better here
We apologize for any error in our attempts to
explain how the Truth in Lending Disclosure document works, including the Origination Fee, Annual Percentage Rate and Finance FeeAs previously stated in your recent phone conversation with us, please reach out directly to the Senior Agent working on your caseShe will be able to assist you further
Regards,
***
Customer Experience Manager
Prosper Marketplace, Inc
Initial Consumer Rebuttal /* (3000, 7, 2016/01/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I received a phone call from Prosper regarding some of my complaintsThe interest and APR are unclear for a novice in financesHowever, she did attempt to provide me with further informationThough I still do not appreciate the service I received before regarding informing me that after the loan was paid off that I would not owe anything furtherThat was not the truth as there was still another payment after I thought the loan was paid in its entiretyThe representative that I gave the payment information to seemed to know little of what she was talking about
Please understand that loans, interest rates, and APRs are incredibly confusing to someone who is not a finance major or who holds that kind of jobIt is the company's responsibility to try to further explain what one is getting into
The representative that I just spoke with tried to tell me the difference between the APR and interest rates, and that I did in fact believe I was getting a loan for 12% when that wasn't the caseIt was still slightly difficult to understand but much better after a live person spoke to me rather than reading what was onlineI don't believe there should be such a thing as signing up for an online loan unless the process is further explained
I did realize that instead of paying around for a loan I kept for a month, I actually only paid a little less than This is slightly an easier pill to swallow but still disheartening that I was charged this much to borrow $for a monthMy experience with prosper was still a terrible one for which my only semblance of any closure or understanding was the last representative I spoke to
I will never be taking out a loan with prosper again
Final Business Response /* (4000, 9, 2016/01/25) */
Hi ***,
We understand that interest and APR can be very confusing and regret not addressing your concerns to your satisfaction initiallyWe appreciate the feedback and look forward to continued research into making this a much easier process for future customers
To confirm, the remaining balance was incorrect and as a result we have waived itYour loan is paid in full and nothing else is owedIf you need further assistance, please email *** directly
Regards,
***
Customer Experience Manager
Prosper Marketplace, Inc

Initial Business Response /* (1000, 8, 2016/01/19) */
Hi ***,
We sincerely apologize for the negative experienceOne of Prosper's main goals is providing our loan products in the most efficient way possible, and it seems there's an area of opportunity for us to work on
Please
consider this as confirmation that your account is closed and your personal identifying information is secureAccess to this information has been shut off and cannot be retrieved by anyone externallyIf you need further assistance, please email ***@prosper.com and a senior agent will be assigned to your account
Regards,
*** ***-***
Customer Experience Manager
Prosper Marketplace, Inc
Initial Consumer Rebuttal /* (3000, 10, 2016/01/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I would like details as to how my information is secure not only externally, but also your employees having accessYou have my social security number and you used deceptive business practices which does not give me comfort with my information in your businesses handsI am keeping your response to my complaint and that way, if my social security number is used, you will be my starting point of my investigation
Final Business Response /* (4000, 12, 2016/01/25) */
Hi ***,
When your account is closed, Prosper cuts off online access completelySince we do not store customer submitted documents in online accounts, regardless, this is another safety measure we take to secure your personal identifying informationInternal systems are also restricted to departments and personnel that work with our customersWe take security of personal information very seriously and comply with all state and federal laws
If you need further assistance, please email ***@prosper.com and a senior agent will be able to assist you further
Regards,
*** ***-***
Customer Experience Manager
Prosper Marketplace, Inc
Final Consumer Response /* (2000, 14, 2016/01/27) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Dear Tracy,
We apologize for the inconvenienceA disbursement to your bank account was initiated on 3/7/You should see the $amount in your account within business days of that dateIf you have further questions, please email us at*** or call us at * ***
***
Sincerely,Prosper Client Services

Hello***Thank you for reaching out to usWe have opted out the provided address from our mailing list, including mailers for the former residentPlease note that there may be marketing materials already in the queue and that additional mail may be received for up to daysWe apologize for
any inconvenience and can assure you Prosper does not engage in the selling of customer or marketing information to third parties.Sincerely,Prosper Client Services

Initial Business Response /* (1000, 5, 2015/11/10) */
Hi ***,
As a matter of standard procedure, these calls and emails are reviewed for quality and training opportunitiesIt appears we had attempted to reach you during our hours of operation but were unsuccessfulWe understand the
frustration and sincerely apologize for the experience
If you would like to speak with someone directly regarding your experience please email ***@prosper.com and a senior agent will be assigned to your account
Regards,
*** ***-***
Customer Experience Manager
Prosper Marketplace, Inc
Initial Consumer Rebuttal /* (3000, 7, 2015/11/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Prosper's response is a total lie and I do not accept it for the following reasonsThis matter has also been sent to the Federal Trade Commissions for investigationNo one at Prosper replied to any of my many website and email inquiriesI took a Monday and Tuesday off with my phone near by and noone from Prosper called meI repeatedly called the Prosper Representative who was never at her deskWhen I left messages telling Prosper I would file complaint, they cancelled my policyProsper should offer the loan that they said I had received and make sure they are picking up their telephones during their business hoursFor these reasons this company needs to be investigated, corrected and exposed

Initial Business Response /* (1000, 8, 2015/12/09) */
We spoke to the customer directly and determined that an application was submitted through a third party the same time his credit report indicatesA letter will be submitted to the customer detailing our findingsAs indicated to the
customer, no loan was originated nor did we capture any personal identifying information
Initial Consumer Rebuttal /* (2000, 10, 2015/12/10) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Please keep all business records related to this matterFurther inquiry may be necessary

Dear *** ***,
We apologize that the application was initially approved, and when another application was submitted it was deniedWe should have provided the correct result from the beginning
Kindly let us know if you have any additional questions or concerns
Prosper Client Services

Dear Ms***,
We apologize for the difficulties you experienced when attempting to obtain a payoff quote
Any amount paid in excess of the amount due in a monthly cycle goes directly to principal after accrued interest is satisfiedIf a balance remains, your regular monthly
payments still come due until the loan is satisfiedA large payment does not affect the due date of your minimum monthly payments
Please feel free to reach out to us if you have additional questionsWe can be reached by phone at 866-615-6319, or by email at [email protected]
Prosper Client Services

Dear ***,We apologize for the frustration you experienced while attempting to log in to your accountWe understand that your issue has since been resolved, and you are now able to access your profile after speaking with agents in our Investor Services department. If you have further
questions, please contact us by email at [email protected] or by phone at ###-###-####.Sincerely,Prosper Client Services

Dear MsGarwood,
Thank you for
reaching out to us regarding this issueWe have attempted to contact you to request more information and apologize for the frustrationCan 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