Initial Business Response /* (1000, 8, 2016/01/26) */
Hi ***,
We apologize for any inconvenienceTo confirm, your information was removed from our marketing listYou may receive one or more pre-approved offer letters already in transit in the interim, unfortunately there is no way
to prevent this from occurring
Thank you,
*** ***-***
Customer Experience Manager
Prosper Marketplace, Inc
Initial Business Response /* (1000, 5, 2014/12/25) */
We are in receipt of Ms*** ***'s complaint to the Revdex.comJust like many financial institutions, we are required by regulation to assess a borrower's ability to repay a loanIn addition to the credit score, we
look at many variables such as outstanding credit lines, debt to income ratio, delinquencies, and othersIn Ms***'s case, we found that she had extended unemployment which led to a delinquency in her credit profile
We appreciate Ms***'s business and are sorry that we can not be of assistance at this timePlease note that we only performed a soft credit pull which does not affect her credit score and which can only be visible by the consumerNo hard inquiries were made
Kind regards,
Prosper Client Services
Initial Consumer Rebuttal /* (3000, 7, 2014/12/31) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Does not answer the complaintApproval is stated for bad creditBad credit it should be obvious to lenders that certain circumstances obviously led to why there is bad creditLoan approvals with advertisement of bad credit is okay for approvals then what is expected? Not stated? and why? Unemployment was my statement only as to facts that led to, but at this time my income is stableReally frustrating for advertisement of credit approval when seeking loansI would hope that you would understand the consumer whom gets denied for what is specified with no further details of what is expectedNot quite sure then what you would approve under bad credit loans? I ask that any further advertisement of loans for credit what is expected is stated, the score, income, and debt to income ration, prior history, consumer statement such as mine that would be held against, and other
Final Business Response /* (4000, 9, 2015/01/07) */
We sympathize with Ms***But unfortunately financial institutions are governed by rules and regulations which have become more stringent due to the credit crisisThere are a myriad of variables (more than 100+) which lead to a loan approvalIt is thus impractical to advertise as suggestedAs such, we require a minimum criteria which allow us, just like any other financial institution, to further analyze the borrower's ability to repay the loan
Again, we appreciate Ms***'s business and regret that we cannot be of service at this time
Kind regards,
Prosper Client Services
Initial Business Response /* (1000, 5, 2015/02/16) */
We are in receipt of Mr*** ***'s complaint to the Revdex.comWe certainly apologize for the confusionAs a courtesy, we have instructed our bank to retrieve the funds backAs soon as the funds are back at Prosper,
we will close the account and you will not be responsible for the origination fee
Again, our sincere apologies,
Prosper Client Services
Initial Consumer Rebuttal /* (2000, 8, 2015/02/19) */
(The consumer indicated he/she ACCEPTED the response from the business.)
They agreed to withdraw the money out of my account and not have me pay the origination fee
Initial Business Response /* (1000, 5, 2016/01/28) */
Hi ***,
We apologize for any inconvenienceTo confirm, your information was removed from our marketing listYou may receive one or more pre-approved offer letters already in transit in the interim, unfortunately there is no way
to prevent this from occurring
Initial Consumer Rebuttal /* (3000, 7, 2016/01/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I would accept the response from the company to which the complaint was filed provided that this company agrees to PERMANENTLY remove my name from their mailing list
Final Business Response /* (4000, 9, 2016/02/02) */
Hi ***,
We regret that your experience with Prosper is not what you expectedTo confirm, your information was removed from our marketing list solicitation which includes our mailing listAnd you do not have any accounts with Prosper at this time
You may receive one or more pre-approved offer letters already in transit in the interim, unfortunately there is no way to prevent this from occurringHowever after the next 30-days, you will never receive another marketing solicitation from ProsperWe hope this helps to resolve your compliant
Final Consumer Response /* (2000, 11, 2016/02/03) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 5, 2015/02/20) */
We are in receipt of MsMarybeth ***'s complaint to the Revdex.com and apologize for the confusionA pre-approved letter only signifies that the recipient meets certain criteria; however, we are still required by
law to verify income and identityUnfortunately, in Ms***'s case, we could not accept the documents she provided as they were not consistent with other documents
Again, we appreciate Ms***'s business and regret that we could not be of service at this time
Kind regards,
Prosper Client Services
This company deposited a counterfeit check into my account Consequently all my accounts at my bank including my son's were closed and now my situation is even more dyer tan beforeThis is the worse choice I could have ever made These people need to be stopped
Initial Business Response /* (1000, 5, 2014/08/15) */
We are in receipt of Ms***'s complaint to the Revdex.comProsper adheres strictly to all Federal and state laws and regulations, including Fair LendingUnfortunately, Ms*** is mistaken: her inability to
speak English is not a violation of the lawWe are a small firm and require that all prospective borrowers be able to communicate in and read EnglishMoreover, we cannot rely on a third party (i.e., her husband) to communicate to her all the disclosures as part of a loan application
We appreciate Ms***'s business and regret that we cannot be of assistance at this timeIf she has any further questions, Client Services is available at XXX-XXX-XXXX
Kind regards,
Prosper Client Services
Initial Consumer Rebuttal /* (3000, 7, 2014/08/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The ability to speak or not speak a language can be considered a disability due to different learning and hearing capabilitiesI am not able to speak English due to these God-given disabilities and therefore this is discrimination in lending due a disabilityYou are judging that because I cannot hear English perfectly, that it means I simply do not speak English when in fact there is a medical reason behind this and therefore makes my claim valid
Final Business Response /* (4000, 9, 2014/08/22) */
Our apologies to Ms*** for the confusionThe Verification team will be in contact with Ms*** to help her with her loan requirementsAgain, we appreciate Ms***'s business and hope that this resolves her concernsIf she has any further questionsProsper Client Services is available at XXX-XXX-XXXX
Kind regards,
Prosper Client Services
Final Consumer Response /* (2000, 11, 2014/08/26) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept this final response
Thank you
Consumer Response /* (3000, 16, 2014/10/20) */
Per this complaint, I have overnighted the documents, notarized, as requested by PropserThey were received in their office as of yesterdayI am still awaiting for their response
Consumer Response /* (-5, 17, 2014/10/20) */
The company is still calling me in English even after this case was supposed to be resolvedI have completed the form that they have required and they still will not issue the loanThis is discriminationI would like a refund for the $it cost me to get the paper notarized ($10) and overnight it to them ($via USPS) if they do not honor the loanProsper, you cannot discriminate due to one's disability and you cannot offer a solution via the Revdex.com that you do not honorThat is not respectable or honorable
Consumer Response /* (-5, 20, 2014/11/06) */
As of today, I have not heard anything about my loanI was told weeks ago it was in underwriting and should be completed soonThey have not answered me or responded to my Revdex.com complaintIf they do not complete the loan, I would demand a refund of $for my costs of the notary and the shipping that they told me they would need as a resolution to this case
Thank you
Initial Business Response /* (1000, 5, 2015/03/03) */
We are in receipt of Ms*** ***'s complaint to the Revdex.com and sincerely apologize for the mishapIt seems there was a representative accidentally cancelled her account while trying to cancel a different account
We have since communicated with Ms***
We appreciate Ms***'s business and again apologizeIf Ms*** would like to reconsider applying, she may directly contact MrSiak, whose number she now has, to expedite her request
Kind regards,
Prosper Client Services
Initial Consumer Rebuttal /* (2000, 7, 2015/03/04) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 8, 2015/02/23) */
We are in receipt of Mr*** ***'s complaint to the Revdex.comIt seems that there were several processing errors that occurred in Mr***'s account and we apologizeWe have since refunded Mr*** any
NSF fees he might have incurred
Again, our apologies
Kind regards,
Prosper Client Services
Initial Business Response /* (1000, 5, 2015/02/20) */
We are in receipt of Mr*** ***'s complaint to the Revdex.com and apologize for his discontentUnfortunately, the Verification process revealed that we could not accept the documents Mr***'s presented as there
were inconsistencies therein
Again, our apologiesWe appreciate Mr***'s business and regret that we could not be of service at this time
Kind regards,
Prosper Client Services
I scheduled my regular monthly online payment a week in advance, and the debit was pending on my checking account on the proper dateOn the day after, a second debit was also pending which caused my checking account to be overdrawnI contacted Prosper and informed them that their system made an error and I did not authorize two paymentsI asked them to credit the second payment back to my bank as soon as possible since it was now overdrawnI also contacted my bank the same day and asked them not to charge the overdraft fee as Prosper was canceling one of the debitsSince my checking account was now overdrawn, I was forced to use a check advance company as I needed cash while I waited for Prosper to credit the debit, but after hours the debit had still not clearedI contacted my bank again and was told the only option I had to get the debit reversed and avoid the overdraft fee was to cancel the second debit, so I didThe regular payment was made on time, but the next month Prosper charged me a $fee for canceling the second debit made in error by their system, which they were going to cancel anywayI contacted Prosper twice about their error and they would not rescind the fee, even though it was clearly not my faultI would not recommend using this loan company
Initial Business Response /* (1000, 5, 2014/05/22) */
We are in receipt of Mr*** ***' complaint to the Revdex.com and apologize for his discontent
Contrary to his statement, Prosper does not arbitrarily increase ratesTerms depend on many variablesOn April
30th, Mr*** completed an application and submitted various financial documentsUnfortunately, we could only verify part of his stated incomeNonetheless, this lower verified income did not affect the offer rate for Mr***
We sincerely appreciate Mr***' businessIf Mr*** is still interested, we encourage him to relist as soon as possible (as rates continually change)If he has any additional questions, he may contact Client Services at XXX-XXX-XXXX
Kind regards,
Prosper Client Services
Initial Business Response /* (1000, 5, 2014/10/31) */
We are in receipt of Ms*** ***'s complaint to the Revdex.com and are completely baffledOur systems do not have any record of a "*** ***." We also have never received any credit card information
We sincerely sympathize with Ms***, but Prosper has no record or information that pertains to Ms***
Kind regards,
Prosper Client Services
Initial Consumer Rebuttal /* (3000, 7, 2014/11/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I am currently Still receiving emails from the company to claims to have no record of meI guess them having my email, me having a login on their website and me having to agree to their terms and conditions doesn't require them to have a record of me
Final Business Response /* (4000, 9, 2014/11/07) */
If Ms*** has an account at Prosper, we would appreciate her sharing the Member number so that we may abide by her wishes to remove her from our email databaseWithout additional information, we have been unable to locate her in our system unfortunately
Kind regards,
Prosper Client Services
Final Consumer Response /* (2000, 11, 2014/11/11) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I am unable to locate my member number without logging in and I'm not comfortable doing so due to the previous issues with your siteI would be happy to send a screen shot that shows I have un subscribed from your email list
Initial Business Response /* (1000, 7, 2014/09/09) */
We are in receipt of Mr*** ***' complaint to the Revdex.comWe are sorry that he is upset
As Mr*** is fully aware, he did not apply for a loan through the United Airlines portalOnly those who apply for a
loan through this venue are qualified for the United Airlines miles promotionAs stated in the direct mail communication, "This promotion is open to Eligible Participants who receive this direct mail piece."
However, Client Services made an exception for Mr*** after we received his July 9th emailOn August 23rd, Mr*** finally provided his United Mileage number, and we communicated to him that it would take 4-weeks to processStated in the direct mail piece, "If an act, omission, event or circumstance occurs which is beyond the reasonable control of Prosper and which prevents Prosper from complying with these terms and conditions, Prosper will not be liable for any failure to perform or delay in performing its obligation."
We are sorry for Mr***' discontentNonetheless, Prosper made an exception for Mr***We will try to get his miles posted within the time frame we communicated on August 23rdIf he has any further questions, Client Services is available at XXX-XXX-XXXX
Regards,
Prosper Client Services
Initial Consumer Rebuttal /* (3000, 9, 2014/09/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This is completely inaccurate!
First and foremost, I applied for a Prosper loan via an online Prosper - United MileagePlus offerI have attached a screenshot which I saved when I first applied for the loan online
Secondly, I am both an employee and customer of United AirlinesIndubitably, this is how I learned of the promotionOtherwise, I had never before heard of Prosper or the concept of Peer-To-Peer lending
Lastly, I have additional documentation including an email exchange with ProsperAfter initially applying for the loan, I immediately contacted Prosper to inquire about when I could expect to receive the promotional milesAt that time, Prosper responded and suggested that I would receive the promotional miles 6-weeks after the first payment on the loan
After reading through the attached Terms & Conditions of the promotion, I noticed that the information Prosper had provided wasn't aligned with the advertised promotionThereby, I reached out to them again for clarification
At no time during our initial email exchange did Prosper suggest that they did not have my United MileagePlus numberHowever, now that it is time for them to make good on the offer - they are claiming that I never enrolled via the promotionConversely, I have documentation that proves otherwise
And too - I should note that even in my most recent communications with Prosper; never was it pointed out that I did not enroll via the promotionThis is the first time I have heard this excuse
Final Consumer Response /* (2000, 15, 2014/09/12) */
Received a call from a representative with Propser today (9/11)Prosper has acknowledged that there was a lapse in communication and they have corrected the problemThe miles advertised in the promotion have been credited to my account
Thanks Revdex.com!
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, 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, 5, 2015/10/28) */
Hi ***,
We apologize for the negative experienceTo confirm, this loan has been canceled per your requestCalls are monitored for quality and training purposes, which we review in these types of situationsIf you feel any
action needs follow up please reach out to the senior agent working on your case (left voicemails with her contact info), or Customer Service at XXX-XXX-XXXXWe thank you for considering Prosper Marketplace for your personal loan needs
Thank you,
*** ***-***
Customer Experience Manager
Initial Consumer Rebuttal /* (3000, 7, 2015/10/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I received a voice-mail from Prosper stating that they will be charging me some kind of fee, even though the loan has been cancelled...Again, let me reiterate that I never received any money from these people.I cancelled the loan before any monies reached me...So I don't know what fees they think I'll be paying them..I feel very harassed by this company
Final Business Response /* (4000, 9, 2015/11/12) */
Hi ***,
To confirm, all fees associated with the origination of the loan have been waivedThe senior agent who left the voicemail advised that the loan was closed and no further action was needed to be takenShe did mention that due to transactions to and from the bank account there could be a duplicate payment issue which we would be happy to address if neededWe have been attempting to reach you regarding final resolution but have been unsuccessful
Please let us know if you need anything further by emailing ***@prosper.com
Regards,
*** ***-***
Customer Experience Manager
Prosper Marketplace, Inc
Final Consumer Response /* (2000, 11, 2015/11/16) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I really wanted Prosper to work for me, the idea of Peer to Peer lending is certainly attractive, especially for smaller, short term, low interest loans Unfortunately my experience was less than favorable I was quoted a specific interest rate and origination fee, but had technical issues when I tried to show my offers I called Prosper and worked with someone on the phone and during our conversation she quoted, and sent to me in print through email, a different offer with a lower interest rate and origination fee While on the phone we were not able to work out the technical issues so I was told to wait over the weekend and re-try accessing the offers Monday morning (she told me it would need to "re-set") I was surprised to find a higher rate Monday morning, and after multiple phone calls and supervisors looking into it, Prosper would not honor the offer made the previous Friday The only reason I was not able to access the loan on that day was due to technical issues on their side resulting in a higher interest rate and double the origination fee Very frustrating and disappointing
Initial Business Response /* (1000, 5, 2014/06/17) */
We are in receipt of Mr*** ***'s complaint to the Revdex.comWe apologize for the confusionOur records show that an Amazon gift card was sent to Mr***'s Comcast email account associated with his Prosper
account as scheduledYesterday, June 16th, we sent a replacement gift card to the same emailIf he hasn't received it by now, we suggest his checking the Spam folder
If Mr*** has any further questions, Client Services is available at XXX-XXX-XXXX
Kind regards,
Prosper Client Services
Initial Consumer Rebuttal /* (2000, 7, 2014/06/19) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 5, 2015/12/01) */
Hi ***,
We apologize for the negative experience and subsequent lack of communication providedThe issue has been fixed and you should be able to see your loan and payment history online, as well as make paymentsIf there are
any further concerns please email ***@prosper.com and a senior agent will be able to assist youAny fees as a result of this issue will be corrected immediatelyWe thank you for being a valued member of the Prosper Community
Regards,
***-***
Customer Experience Manager
Prosper Marketplace, Inc
Initial Consumer Rebuttal /* (3000, 7, 2015/12/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
As of right now, the website is down again and I am unable to make a payment online, view my previous payments or see if the late fee has been removed or any other load details
Please remedy this matter before my payment is late again
Final Business Response /* (4000, 9, 2015/12/16) */
Hi ***,
We can confirm the issue has been fixedWhen you successfully log in you should see your loan details on the overview page, as well as options to make a payment and view details of the loan
Regards,
***-***
Customer Experience Manager
Prosper Marketplace, Inc
Initial Business Response /* (1000, 8, 2016/01/26) */
Hi ***,
We apologize for any inconvenienceTo confirm, your information was removed from our marketing listYou may receive one or more pre-approved offer letters already in transit in the interim, unfortunately there is no way
to prevent this from occurring
Thank you,
*** ***-***
Customer Experience Manager
Prosper Marketplace, Inc
Initial Business Response /* (1000, 5, 2014/12/25) */
We are in receipt of Ms*** ***'s complaint to the Revdex.comJust like many financial institutions, we are required by regulation to assess a borrower's ability to repay a loanIn addition to the credit score, we
look at many variables such as outstanding credit lines, debt to income ratio, delinquencies, and othersIn Ms***'s case, we found that she had extended unemployment which led to a delinquency in her credit profile
We appreciate Ms***'s business and are sorry that we can not be of assistance at this timePlease note that we only performed a soft credit pull which does not affect her credit score and which can only be visible by the consumerNo hard inquiries were made
Kind regards,
Prosper Client Services
Initial Consumer Rebuttal /* (3000, 7, 2014/12/31) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Does not answer the complaintApproval is stated for bad creditBad credit it should be obvious to lenders that certain circumstances obviously led to why there is bad creditLoan approvals with advertisement of bad credit is okay for approvals then what is expected? Not stated? and why? Unemployment was my statement only as to facts that led to, but at this time my income is stableReally frustrating for advertisement of credit approval when seeking loansI would hope that you would understand the consumer whom gets denied for what is specified with no further details of what is expectedNot quite sure then what you would approve under bad credit loans? I ask that any further advertisement of loans for credit what is expected is stated, the score, income, and debt to income ration, prior history, consumer statement such as mine that would be held against, and other
Final Business Response /* (4000, 9, 2015/01/07) */
We sympathize with Ms***But unfortunately financial institutions are governed by rules and regulations which have become more stringent due to the credit crisisThere are a myriad of variables (more than 100+) which lead to a loan approvalIt is thus impractical to advertise as suggestedAs such, we require a minimum criteria which allow us, just like any other financial institution, to further analyze the borrower's ability to repay the loan
Again, we appreciate Ms***'s business and regret that we cannot be of service at this time
Kind regards,
Prosper Client Services
Initial Business Response /* (1000, 5, 2015/02/16) */
We are in receipt of Mr*** ***'s complaint to the Revdex.comWe certainly apologize for the confusionAs a courtesy, we have instructed our bank to retrieve the funds backAs soon as the funds are back at Prosper,
we will close the account and you will not be responsible for the origination fee
Again, our sincere apologies,
Prosper Client Services
Initial Consumer Rebuttal /* (2000, 8, 2015/02/19) */
(The consumer indicated he/she ACCEPTED the response from the business.)
They agreed to withdraw the money out of my account and not have me pay the origination fee
Initial Business Response /* (1000, 5, 2016/01/28) */
Hi ***,
We apologize for any inconvenienceTo confirm, your information was removed from our marketing listYou may receive one or more pre-approved offer letters already in transit in the interim, unfortunately there is no way
to prevent this from occurring
Initial Consumer Rebuttal /* (3000, 7, 2016/01/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I would accept the response from the company to which the complaint was filed provided that this company agrees to PERMANENTLY remove my name from their mailing list
Final Business Response /* (4000, 9, 2016/02/02) */
Hi ***,
We regret that your experience with Prosper is not what you expectedTo confirm, your information was removed from our marketing list solicitation which includes our mailing listAnd you do not have any accounts with Prosper at this time
You may receive one or more pre-approved offer letters already in transit in the interim, unfortunately there is no way to prevent this from occurringHowever after the next 30-days, you will never receive another marketing solicitation from ProsperWe hope this helps to resolve your compliant
Final Consumer Response /* (2000, 11, 2016/02/03) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 5, 2015/02/20) */
We are in receipt of MsMarybeth ***'s complaint to the Revdex.com and apologize for the confusionA pre-approved letter only signifies that the recipient meets certain criteria; however, we are still required by
law to verify income and identityUnfortunately, in Ms***'s case, we could not accept the documents she provided as they were not consistent with other documents
Again, we appreciate Ms***'s business and regret that we could not be of service at this time
Kind regards,
Prosper Client Services
This company deposited a counterfeit check into my account Consequently all my accounts at my bank including my son's were closed and now my situation is even more dyer tan beforeThis is the worse choice I could have ever made These people need to be stopped
Initial Business Response /* (1000, 5, 2014/08/15) */
We are in receipt of Ms***'s complaint to the Revdex.comProsper adheres strictly to all Federal and state laws and regulations, including Fair LendingUnfortunately, Ms*** is mistaken: her inability to
speak English is not a violation of the lawWe are a small firm and require that all prospective borrowers be able to communicate in and read EnglishMoreover, we cannot rely on a third party (i.e., her husband) to communicate to her all the disclosures as part of a loan application
We appreciate Ms***'s business and regret that we cannot be of assistance at this timeIf she has any further questions, Client Services is available at XXX-XXX-XXXX
Kind regards,
Prosper Client Services
Initial Consumer Rebuttal /* (3000, 7, 2014/08/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The ability to speak or not speak a language can be considered a disability due to different learning and hearing capabilitiesI am not able to speak English due to these God-given disabilities and therefore this is discrimination in lending due a disabilityYou are judging that because I cannot hear English perfectly, that it means I simply do not speak English when in fact there is a medical reason behind this and therefore makes my claim valid
Final Business Response /* (4000, 9, 2014/08/22) */
Our apologies to Ms*** for the confusionThe Verification team will be in contact with Ms*** to help her with her loan requirementsAgain, we appreciate Ms***'s business and hope that this resolves her concernsIf she has any further questionsProsper Client Services is available at XXX-XXX-XXXX
Kind regards,
Prosper Client Services
Final Consumer Response /* (2000, 11, 2014/08/26) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept this final response
Thank you
Consumer Response /* (3000, 16, 2014/10/20) */
Per this complaint, I have overnighted the documents, notarized, as requested by PropserThey were received in their office as of yesterdayI am still awaiting for their response
Consumer Response /* (-5, 17, 2014/10/20) */
The company is still calling me in English even after this case was supposed to be resolvedI have completed the form that they have required and they still will not issue the loanThis is discriminationI would like a refund for the $it cost me to get the paper notarized ($10) and overnight it to them ($via USPS) if they do not honor the loanProsper, you cannot discriminate due to one's disability and you cannot offer a solution via the Revdex.com that you do not honorThat is not respectable or honorable
Consumer Response /* (-5, 20, 2014/11/06) */
As of today, I have not heard anything about my loanI was told weeks ago it was in underwriting and should be completed soonThey have not answered me or responded to my Revdex.com complaintIf they do not complete the loan, I would demand a refund of $for my costs of the notary and the shipping that they told me they would need as a resolution to this case
Thank you
Initial Business Response /* (1000, 5, 2015/03/03) */
We are in receipt of Ms*** ***'s complaint to the Revdex.com and sincerely apologize for the mishapIt seems there was a representative accidentally cancelled her account while trying to cancel a different account
We have since communicated with Ms***
We appreciate Ms***'s business and again apologizeIf Ms*** would like to reconsider applying, she may directly contact MrSiak, whose number she now has, to expedite her request
Kind regards,
Prosper Client Services
Initial Consumer Rebuttal /* (2000, 7, 2015/03/04) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 8, 2015/02/23) */
We are in receipt of Mr*** ***'s complaint to the Revdex.comIt seems that there were several processing errors that occurred in Mr***'s account and we apologizeWe have since refunded Mr*** any
NSF fees he might have incurred
Again, our apologies
Kind regards,
Prosper Client Services
Initial Business Response /* (1000, 5, 2015/02/20) */
We are in receipt of Mr*** ***'s complaint to the Revdex.com and apologize for his discontentUnfortunately, the Verification process revealed that we could not accept the documents Mr***'s presented as there
were inconsistencies therein
Again, our apologiesWe appreciate Mr***'s business and regret that we could not be of service at this time
Kind regards,
Prosper Client Services
I scheduled my regular monthly online payment a week in advance, and the debit was pending on my checking account on the proper dateOn the day after, a second debit was also pending which caused my checking account to be overdrawnI contacted Prosper and informed them that their system made an error and I did not authorize two paymentsI asked them to credit the second payment back to my bank as soon as possible since it was now overdrawnI also contacted my bank the same day and asked them not to charge the overdraft fee as Prosper was canceling one of the debitsSince my checking account was now overdrawn, I was forced to use a check advance company as I needed cash while I waited for Prosper to credit the debit, but after hours the debit had still not clearedI contacted my bank again and was told the only option I had to get the debit reversed and avoid the overdraft fee was to cancel the second debit, so I didThe regular payment was made on time, but the next month Prosper charged me a $fee for canceling the second debit made in error by their system, which they were going to cancel anywayI contacted Prosper twice about their error and they would not rescind the fee, even though it was clearly not my faultI would not recommend using this loan company
Initial Business Response /* (1000, 5, 2014/05/22) */
We are in receipt of Mr*** ***' complaint to the Revdex.com and apologize for his discontent
Contrary to his statement, Prosper does not arbitrarily increase ratesTerms depend on many variablesOn April
30th, Mr*** completed an application and submitted various financial documentsUnfortunately, we could only verify part of his stated incomeNonetheless, this lower verified income did not affect the offer rate for Mr***
We sincerely appreciate Mr***' businessIf Mr*** is still interested, we encourage him to relist as soon as possible (as rates continually change)If he has any additional questions, he may contact Client Services at XXX-XXX-XXXX
Kind regards,
Prosper Client Services
Initial Business Response /* (1000, 5, 2014/10/31) */
We are in receipt of Ms*** ***'s complaint to the Revdex.com and are completely baffledOur systems do not have any record of a "*** ***." We also have never received any credit card information
We sincerely sympathize with Ms***, but Prosper has no record or information that pertains to Ms***
Kind regards,
Prosper Client Services
Initial Consumer Rebuttal /* (3000, 7, 2014/11/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I am currently Still receiving emails from the company to claims to have no record of meI guess them having my email, me having a login on their website and me having to agree to their terms and conditions doesn't require them to have a record of me
Final Business Response /* (4000, 9, 2014/11/07) */
If Ms*** has an account at Prosper, we would appreciate her sharing the Member number so that we may abide by her wishes to remove her from our email databaseWithout additional information, we have been unable to locate her in our system unfortunately
Kind regards,
Prosper Client Services
Final Consumer Response /* (2000, 11, 2014/11/11) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I am unable to locate my member number without logging in and I'm not comfortable doing so due to the previous issues with your siteI would be happy to send a screen shot that shows I have un subscribed from your email list
Initial Business Response /* (1000, 7, 2014/09/09) */
We are in receipt of Mr*** ***' complaint to the Revdex.comWe are sorry that he is upset
As Mr*** is fully aware, he did not apply for a loan through the United Airlines portalOnly those who apply for a
loan through this venue are qualified for the United Airlines miles promotionAs stated in the direct mail communication, "This promotion is open to Eligible Participants who receive this direct mail piece."
However, Client Services made an exception for Mr*** after we received his July 9th emailOn August 23rd, Mr*** finally provided his United Mileage number, and we communicated to him that it would take 4-weeks to processStated in the direct mail piece, "If an act, omission, event or circumstance occurs which is beyond the reasonable control of Prosper and which prevents Prosper from complying with these terms and conditions, Prosper will not be liable for any failure to perform or delay in performing its obligation."
We are sorry for Mr***' discontentNonetheless, Prosper made an exception for Mr***We will try to get his miles posted within the time frame we communicated on August 23rdIf he has any further questions, Client Services is available at XXX-XXX-XXXX
Regards,
Prosper Client Services
Initial Consumer Rebuttal /* (3000, 9, 2014/09/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This is completely inaccurate!
First and foremost, I applied for a Prosper loan via an online Prosper - United MileagePlus offerI have attached a screenshot which I saved when I first applied for the loan online
Secondly, I am both an employee and customer of United AirlinesIndubitably, this is how I learned of the promotionOtherwise, I had never before heard of Prosper or the concept of Peer-To-Peer lending
Lastly, I have additional documentation including an email exchange with ProsperAfter initially applying for the loan, I immediately contacted Prosper to inquire about when I could expect to receive the promotional milesAt that time, Prosper responded and suggested that I would receive the promotional miles 6-weeks after the first payment on the loan
After reading through the attached Terms & Conditions of the promotion, I noticed that the information Prosper had provided wasn't aligned with the advertised promotionThereby, I reached out to them again for clarification
At no time during our initial email exchange did Prosper suggest that they did not have my United MileagePlus numberHowever, now that it is time for them to make good on the offer - they are claiming that I never enrolled via the promotionConversely, I have documentation that proves otherwise
And too - I should note that even in my most recent communications with Prosper; never was it pointed out that I did not enroll via the promotionThis is the first time I have heard this excuse
Final Consumer Response /* (2000, 15, 2014/09/12) */
Received a call from a representative with Propser today (9/11)Prosper has acknowledged that there was a lapse in communication and they have corrected the problemThe miles advertised in the promotion have been credited to my account
Thanks Revdex.com!
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, 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, 5, 2015/10/28) */
Hi ***,
We apologize for the negative experienceTo confirm, this loan has been canceled per your requestCalls are monitored for quality and training purposes, which we review in these types of situationsIf you feel any
action needs follow up please reach out to the senior agent working on your case (left voicemails with her contact info), or Customer Service at XXX-XXX-XXXXWe thank you for considering Prosper Marketplace for your personal loan needs
Thank you,
*** ***-***
Customer Experience Manager
Initial Consumer Rebuttal /* (3000, 7, 2015/10/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I received a voice-mail from Prosper stating that they will be charging me some kind of fee, even though the loan has been cancelled...Again, let me reiterate that I never received any money from these people.I cancelled the loan before any monies reached me...So I don't know what fees they think I'll be paying them..I feel very harassed by this company
Final Business Response /* (4000, 9, 2015/11/12) */
Hi ***,
To confirm, all fees associated with the origination of the loan have been waivedThe senior agent who left the voicemail advised that the loan was closed and no further action was needed to be takenShe did mention that due to transactions to and from the bank account there could be a duplicate payment issue which we would be happy to address if neededWe have been attempting to reach you regarding final resolution but have been unsuccessful
Please let us know if you need anything further by emailing ***@prosper.com
Regards,
*** ***-***
Customer Experience Manager
Prosper Marketplace, Inc
Final Consumer Response /* (2000, 11, 2015/11/16) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I really wanted Prosper to work for me, the idea of Peer to Peer lending is certainly attractive, especially for smaller, short term, low interest loans Unfortunately my experience was less than favorable I was quoted a specific interest rate and origination fee, but had technical issues when I tried to show my offers I called Prosper and worked with someone on the phone and during our conversation she quoted, and sent to me in print through email, a different offer with a lower interest rate and origination fee While on the phone we were not able to work out the technical issues so I was told to wait over the weekend and re-try accessing the offers Monday morning (she told me it would need to "re-set") I was surprised to find a higher rate Monday morning, and after multiple phone calls and supervisors looking into it, Prosper would not honor the offer made the previous Friday The only reason I was not able to access the loan on that day was due to technical issues on their side resulting in a higher interest rate and double the origination fee Very frustrating and disappointing
Initial Business Response /* (1000, 5, 2014/06/17) */
We are in receipt of Mr*** ***'s complaint to the Revdex.comWe apologize for the confusionOur records show that an Amazon gift card was sent to Mr***'s Comcast email account associated with his Prosper
account as scheduledYesterday, June 16th, we sent a replacement gift card to the same emailIf he hasn't received it by now, we suggest his checking the Spam folder
If Mr*** has any further questions, Client Services is available at XXX-XXX-XXXX
Kind regards,
Prosper Client Services
Initial Consumer Rebuttal /* (2000, 7, 2014/06/19) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 5, 2015/12/01) */
Hi ***,
We apologize for the negative experience and subsequent lack of communication providedThe issue has been fixed and you should be able to see your loan and payment history online, as well as make paymentsIf there are
any further concerns please email ***@prosper.com and a senior agent will be able to assist youAny fees as a result of this issue will be corrected immediatelyWe thank you for being a valued member of the Prosper Community
Regards,
***-***
Customer Experience Manager
Prosper Marketplace, Inc
Initial Consumer Rebuttal /* (3000, 7, 2015/12/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
As of right now, the website is down again and I am unable to make a payment online, view my previous payments or see if the late fee has been removed or any other load details
Please remedy this matter before my payment is late again
Final Business Response /* (4000, 9, 2015/12/16) */
Hi ***,
We can confirm the issue has been fixedWhen you successfully log in you should see your loan details on the overview page, as well as options to make a payment and view details of the loan
Regards,
***-***
Customer Experience Manager
Prosper Marketplace, Inc