Initial Business Response /* (1000, 9, 2015/02/23) */
We are in receipt of Ms*** ***'s complaint to the Revdex.comAs we replied to her other complaint, it seems that both payments were accidentally processedNonetheless, we have refunded the duplicate payment and
any fees that she might have incurredThese funds should be in here account already
Again, our apologies for the mishap
Kind regards,
Prosper Client Services
Initial Consumer Rebuttal /* (2000, 11, 2015/02/25) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 5, 2014/12/25) */
We are in receipt of Ms*** ***'s complaint to the Revdex.comAccording to Ms***, it seems someone else has been using her personal information to apply for a loan at ProsperWe encourage Ms*** to contact
the credit bureaus to add a fraud alert to her profiles as well as her local law enforcement agencyIf fraud has actually occurred, we encourage her to contact Lance Casey at XXX-XXX-XXXX to file a fraud package
Kind regards,
Prosper Client Services
Initial Consumer Rebuttal /* (2000, 7, 2015/01/01) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I received a letter from Prosper that I was Pre Approved for a loan up to $35, Upon applying for the loan, was informed they would only loan me $4, I believe Prosper is advertising guilty of advertising
I have been a prosper customer since I referred a friend to prosper and was told that I would receive $for their refer a friend programAfter ther person you refer makes their first payment you are supposed to receive the $It has now been over months and I have yet to receive the referral feeI have called at least times and I always get the run around and each customer service reprepresentative tells a different storyIt's quite frustrating that this can't get resolved like I have been told it would for months now
I read many good reviews about Prosper and their loan process and unfortunately my experience has been far different I received a letter in the mail with a "pre-approved" amount and code to enter on line I promptly went online to complete the application and was able to see the loan terms, interest rate, provide my personal information and even all of my bank account information When I got to the accept the terms section to complete the application I received an error message that my Social Security number was already being used for another account Clearly this must have been a mistake as I have never applied for a personal loan before from this company I received several emails over the course of the next few days that my loan was waiting for me and I had had to complete the online application I tried several more times to no avail I finally called the number on the error page and was told they could not help me "their systems were updating - call back" So I called back the next day to be told they could see I had tried to complete an on line application and there were two inactive ones (probably because I tried so many times) and she would merge them and I could then finish up online After a brief hold, a new representative came on and asked me all over again why I was calling She told me the first person was mistaken and this happens sometimes I was told the ONLY way to fix it and continue with my loan application would be to fax or email a photo of my social security card and drivers license This is absolutely unheard of! No legitimate company should ever request a copy of a social security card over an un-secure network I was told that would be the ONLY way to continue with my application
Initial Business Response /* (1000, 5, 2015/06/05) */
Thank you for reaching outWe regret the hassle and frustration of your recent experience with paying off your loanWe value your business and thank you for choosing Prosper for your personal loan needs
Per your discussion with
the senior agent, your account is paid in full and your credit report has been correctedPlease reach out to this agent directly should you need any further assistance regarding this matter
Initial Consumer Rebuttal /* (2000, 7, 2015/06/09) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Prosper did take care of the complaintIt happened again a week later, but they got right on it and corrected it a second time
Initial Business Response /* (1000, 5, 2014/07/01) */
We are in receipt of Ms*** ***' complaint to the Revdex.comWe are sorry to hear of her discontentWe thrive to provide the best Customer Experience possible and it seems that her experience could have been better
I have escalated her applicationI believe that a customer service representative has been in contact to expedite her application process
We apologize again for the mishap and hope that this resolution meets Ms***' expectationsIf Ms*** has any further questions or concerns, we encourage her to contact Client Services
Regards,
Client Services
Initial Consumer Rebuttal /* (2000, 7, 2014/07/03) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Unfortunately, I did have to reapply but they expedited my application and it was funded within hoursI should be receiving the money within to business days
Initial Business Response /* (1000, 5, 2015/09/23) */
We regret hearing about the negative experienceProsper follows all state and federal lending laws and do not discriminate against disabled individualsYou were asked to provide further supporting documentation of your income based on
your stated employment status, since it may have included more than one sourceThis is consistent with other types of verification Prosper may ask prospective borrowers such as yourself to provide
We hope you consider Prosper for your personal loan needs in the futureShould you need anything further, including any accommodation for submitting paperwork, please reach out to us at ***@prosper.com and a senior agent can work with you directly
Initial Business Response /* (1000, 8, 2014/11/19) */
We are in receipt of Ms***'s complaint to the Revdex.com and it seems we could have done betterUnfortunately, there was a miscommunication between the various groups involvedNonetheless, we have closed the
account, and Ms*** should see the correction soon (if not already)
Again, our sincere apologies for this mishap
Kind regards,
Prosper Client Services
Initial Consumer Rebuttal /* (3000, 11, 2014/11/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The actions against me caused undue stressI will be pursuing actions against themTHEY wouldn't do THEIR due diligence and put it upon ME to clarify and rectify thingsI think this is unacceptable on their part
Final Business Response /* (4000, 13, 2014/12/01) */
Again, our sincere apologies for the miscommunicationAs mentioned previously, we have rectified the error
Kind regards,
Prosper Marketplace Inc
Final Consumer Response /* (4200, 15, 2014/12/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
It is still showing as open and owing full and increasing each monthThey are not honoring their statement at all
Initial Business Response /* (1000, 10, 2014/12/11) */
We are in receipt of Mr***'s complaint to the Revdex.com and apologize for the break in our processAs of 11/14/14, we have corrected the information that was originally reported to the bureaus
Again, our sincere
apologies
Kind regards,
Prosper Client Services
Initial Consumer Rebuttal /* (2000, 12, 2014/12/15) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you very much to Revdex.com and Prosper for addressing the complaint as desired
Initial Business Response /* (1000, 5, 2015/12/01) */
Hi ***,
We apologize for the negative experienceThe fee is the cost to originate the loan, also known as an origination fee or pre-paid finance feeThis fee is highlighted on step three of the application and is located on the
Truth in Lending document before accepting the termsA copy of this document is located in your online Prosper account
It appears we have successfully canceled the loan per your request, which means you are not responsible for any feesIf you need further assistance, please reach out to ***@prosper.com and a senior agent will be able to assist you
Regards,
*** ***-***
Customer Experience Manager
Prosper Marketplace, Inc
Initial Business Response /* (1000, 7, 2015/10/21) */
We regret the negative experienceA senior agent has been in direct contact with Mr*** and has provided her contact information should he need anything furtherWe appreciate Mr***'s business and look forward to
providing him a better experience
Initial Business Response /* (1000, 5, 2015/03/15) */
We are in receipt of Ms*** ***'s complaint to the Revdex.com and sincerely apologize for the continued offersI have instructed our technology and marketing groups to remove her name from future marketing
communicationsUnfortunately, since these mail campaigns are are created months ahead, she might receive a few additional letters before they cease
Again, our sincere apologies
Kind regards,
Prosper Client Services
Initial Consumer Rebuttal /* (3000, 7, 2015/03/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
MA
LAST YEAR I BEGAN MY REQUEST FOR REMOVAL, IT TAKES TOO MAY MONTHS FOR THEIR PURCHASED LIST TO BE ACCESSED!!
Final Business Response /* (4000, 9, 2015/03/21) */
We are in receipt of Ms***'s complaint to the Revdex.comWe have removed her email and address from future marketing materialUnfortunately, our marketing campaigns are created months ahead, and Ms*** may see additional mailers for a couple of monthsWe do apologize for the inconvenience
Kind regards,
Prosper Client Services
Final Consumer Response /* (4200, 13, 2015/03/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
the only way to stop receiving their mailings is I have to move, because they never honored their word!!
Initial Business Response /* (1000, 5, 2015/01/07) */
We are in receipt of Ms***'s complaint to the Revdex.comWe are disheartened by her comments and apologize sincerelyPlease note that we must wait a few weeks for the SCRA database to display your active duty
status
Nonetheless, I have instructed my colleagues to adjust your account accordinglyYour account will be adjusted to 6% for the periods of 10/01/XXXX - XX/26/and 12/01/till your Active Duty end dateUnfortunately, Prosper does not own these loansAs you are aware, your loan is owned by individual investorsProsper only services the loans on their behalfAs such, we cannot abide by your additional request
Kind regards,
Prosper Client Services
Initial Consumer Rebuttal /* (3000, 7, 2015/01/09) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I appreciate yet do not fully understand the responseThe SCRA database (actually referred to as the DMDC) is updated, and HAS been updated with all my information since SeptemberAll other creditors have been able to review and take action on the same informationIn addition, I provided my orders, so I do not understand why there needs to be an additional waiting period based on the database
HOWEVER This is positive progress, so thank you
But please be aware that an email from the company indicates they will credit everything back on February based on billing cycles, not based on the database "issue"So the personal email I received seems like a more accurate response than the one filed via the Revdex.comPlease note this discrepancy
I appreciate the response to this issue but I seem to be getting some conflicting information about how/why they are taking action, which concerns me if there will be another mysterious issue why they cannot adjust my accountAs long as I see results by the next cycle I will feel this complaint is resolved, so I am cautiously optimistic until then
Initial Business Response /* (1000, 5, 2015/08/06) */
Thank you for addressing your concernsWe have reached out to the customer and apologized for the experienceDue to document discrepancies, we were unable to extend another loan and have explained the reasons for the denial and
subsequent cancellation of his account as well as provided the customer alternative means to log in to his account and review his balance, documents and paymentsAs discussed with the customer, the PO Box email address is both valid and visible on our website under Contact Us, directly across the office addressShould he need further assistance with his current loan, he may contact us directly through Customer Service at XXX-XXX-XXXX
Initial Business Response /* (1000, 10, 2014/11/20) */
We are in receipt of Mr***'s complaint to the Revdex.comUnfortunately, we were only able to verify a portion of his incomeMr*** can apply using this lower verified income
Kind regards,
Prosper Client
Services
Initial Consumer Rebuttal /* (3000, 12, 2014/11/25) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I disagree with the ProsperPursuant to the email or website evidence, Prosper clearly indicates that the loan was approved and fundedThe following is the actual subject line and chronology of these communications:
Prosper Loan Approval
Today at 11:AM Oct-XX-XXXX
Your Prosper listing has funded!
Prosper (No reply) Oct-XX-XXXX X:XX PM
Your loan request has been cancelled
Prosper (No reply) Oct-XX-XXXX X:XX AM
Thank you for applying for a loan through
Prosper
You do not qualifyProsper (No reply) Prosper
(No Reply) Nov-X-XXXX XX:XX AM
Again, this is the exact order of the emails or website status from ProsperOther than being told I was approved and the loan was funded, how can anyone follow what is going on? I have never heard of a lender approving a request, funding it, cancelling it and then declining it a week later? Absolutely an extreme example of lender carelessness, misrepresentation and finally attempted PYA cover-upThe sad part of this is that I made business commitments based upon Prosper notification #and #
Final Business Response /* (4000, 14, 2014/12/01) */
We are in receipt of Mr***'s rebuttal to our response to his complaint to the Revdex.comAccording to our records, Mr*** received an email on October at 4:05PM: "Your listing, "Other" (Listing #XXXXXXX) for $16,at 14.50% has been created and is active on the marketplace." This email informs him that we have accepted his loan application for listingOn October at 4:11PM, he received a second communication: Your Prosper listing has fundedThis email merely informs him that we have received enough interest from investors to be able to fund his loan
However, this does not mean that the loan has been approvedIn fact, in the same email, Prosper asked for additional information, including proof of current income, to be able to verify identity and income, a necessary requirement for loan approvalOn October at 9:AM, Mr*** received an additional email informing him of the loan request cancellation as well as an Adverse Action Notice (as required by regulation)This email further informed Mr*** that we could not verify his incomeUnfortunately, we have no records of Email #or Email #
We apologize for the confusionHis loan unfortunately was never approved
Kind regards,
Prosper Marketplace Inc
Final Consumer Response /* (4200, 18, 2014/12/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
First off, Prosper is a loan broker for Web BankIt is quite obvious this Company does not control the decision process involving loan submissions especially when an explanation is required for simple terms such a Approved and FundedIf the publics common understanding of these terms have to be specially explained what else is hidden between the lines based upon Prospers own definition?
Secondly, Prosper received my financial package as requested, i.e., per my confirmation email:
Sent from Yahoo Mail on Android
From:"Prosper Loan Approval"
Date:Fri, Oct 31, at 11:AM
Subject:***, Documents
Email Text:
Prosper has been sent not only my business bank account statements but also personal bank statements with a cancelled check
Prosper receives five out of five Pinocchio points for there responseGive it up Prosper just your denial and game of misinformation is just letting other consumers know what type of Company you are to work with!
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
Initial Business Response /* (1000, 5, 2015/10/09) */
Hi ***,
Sorry to hear about your experienceWhile Prosper does review the numerical credit score, it is not the only factor used in making an offerDetails as to why your application was not approved can be found on your Adverse
Action notice, including your credit score from Experian (FICO
This also does not prevent you from applying in the futureAfter the standard waiting period you are eligible to apply again and check your rateYour account will remain open in the interim and welcome you to come backIf you need further assistance, please email ***@prosper.com
Thank you,
*** ***-***
Customer Experience Manager
Initial Consumer Rebuttal /* (3000, 7, 2015/10/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
In the letter I received it said we were unable to approve you because you have to many inquiries and I told them that I shouldn't have that many because I disputed most of them with experian thats why they did another application and was denied again because they said the system takes days to update so the changes wouldn't reflect yet on my report
Final Business Response /* (4000, 9, 2015/10/26) */
Hi ***,
The number of recent inquiries is one of a few reasons why the application was deniedThe Adverse Action notice located in your online Prosper account will provide further details regarding the decisionThis notice also includes the numerical FICO score and provides instructions to contact the credit reporting bureau should you feel any information is incorrectWe base our decision in part on the credit report obtained by Experian
To reiterate, you will be eligible to apply again after the initial waiting period has passedYour account will remain open in the meantime
Thank you,
*** ***-***
Customer Experience Manager
Final Consumer Response /* (4200, 11, 2015/10/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They claimed it was because to many inquiries nothing else but now saying its several factors I have the the letter they sent me theirs always gone be an excuse to deny your loan even though I pay my bills on time never any late payments no derogatory accounts I asked for a simple small loan that would have been paid back I wouldn't need a year payment plan now they say im welcome to reapply after some time has passed *** what to be told no in my face your not good enough for us ive been told no too many times dont think I want to hear again so you close this complaint
Initial Business Response /* (1000, 5, 2015/10/28) */
Hi [redacted],
We regret hearing the negative experience and will review the details of your credit report and payment history to make sure the correct payment history is reported to the credit bureaus. A senior agent will be reaching...
out to you within the next 24 hours.
Thank you,
Initial Consumer Rebuttal /* (3000, 7, 2015/11/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I will accept the response once I see that my credit report has been cleared of all negative reporting. I have tried over and over to clear this myself.
Final Business Response /* (4000, 9, 2015/11/18) */
Hi [redacted],
Thank you for your time today in speaking with one of our senior agents. Please reach out to him directly should you need any further assistance. We appreciate your concerns.
Regards,
[redacted]
Customer Experience Manager
Prosper Marketplace
Final Consumer Response /* (4200, 11, 2015/11/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I checked my credit report today and nothing has changed. The advisor told me that the 30 days late was so old that they don't matter because they won't hurt my credit. I need them to be removed period, like he told me he would.
Initial Business Response /* (1000, 9, 2015/02/23) */
We are in receipt of Ms*** ***'s complaint to the Revdex.comAs we replied to her other complaint, it seems that both payments were accidentally processedNonetheless, we have refunded the duplicate payment and
any fees that she might have incurredThese funds should be in here account already
Again, our apologies for the mishap
Kind regards,
Prosper Client Services
Initial Consumer Rebuttal /* (2000, 11, 2015/02/25) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 5, 2014/12/25) */
We are in receipt of Ms*** ***'s complaint to the Revdex.comAccording to Ms***, it seems someone else has been using her personal information to apply for a loan at ProsperWe encourage Ms*** to contact
the credit bureaus to add a fraud alert to her profiles as well as her local law enforcement agencyIf fraud has actually occurred, we encourage her to contact Lance Casey at XXX-XXX-XXXX to file a fraud package
Kind regards,
Prosper Client Services
Initial Consumer Rebuttal /* (2000, 7, 2015/01/01) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I received a letter from Prosper that I was Pre Approved for a loan up to $35, Upon applying for the loan, was informed they would only loan me $4, I believe Prosper is advertising guilty of advertising
I have been a prosper customer since I referred a friend to prosper and was told that I would receive $for their refer a friend programAfter ther person you refer makes their first payment you are supposed to receive the $It has now been over months and I have yet to receive the referral feeI have called at least times and I always get the run around and each customer service reprepresentative tells a different storyIt's quite frustrating that this can't get resolved like I have been told it would for months now
I read many good reviews about Prosper and their loan process and unfortunately my experience has been far different I received a letter in the mail with a "pre-approved" amount and code to enter on line I promptly went online to complete the application and was able to see the loan terms, interest rate, provide my personal information and even all of my bank account information When I got to the accept the terms section to complete the application I received an error message that my Social Security number was already being used for another account Clearly this must have been a mistake as I have never applied for a personal loan before from this company I received several emails over the course of the next few days that my loan was waiting for me and I had had to complete the online application I tried several more times to no avail I finally called the number on the error page and was told they could not help me "their systems were updating - call back" So I called back the next day to be told they could see I had tried to complete an on line application and there were two inactive ones (probably because I tried so many times) and she would merge them and I could then finish up online After a brief hold, a new representative came on and asked me all over again why I was calling She told me the first person was mistaken and this happens sometimes I was told the ONLY way to fix it and continue with my loan application would be to fax or email a photo of my social security card and drivers license This is absolutely unheard of! No legitimate company should ever request a copy of a social security card over an un-secure network I was told that would be the ONLY way to continue with my application
Initial Business Response /* (1000, 5, 2015/06/05) */
Thank you for reaching outWe regret the hassle and frustration of your recent experience with paying off your loanWe value your business and thank you for choosing Prosper for your personal loan needs
Per your discussion with
the senior agent, your account is paid in full and your credit report has been correctedPlease reach out to this agent directly should you need any further assistance regarding this matter
Initial Consumer Rebuttal /* (2000, 7, 2015/06/09) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Prosper did take care of the complaintIt happened again a week later, but they got right on it and corrected it a second time
Initial Business Response /* (1000, 5, 2014/07/01) */
We are in receipt of Ms*** ***' complaint to the Revdex.comWe are sorry to hear of her discontentWe thrive to provide the best Customer Experience possible and it seems that her experience could have been better
I have escalated her applicationI believe that a customer service representative has been in contact to expedite her application process
We apologize again for the mishap and hope that this resolution meets Ms***' expectationsIf Ms*** has any further questions or concerns, we encourage her to contact Client Services
Regards,
Client Services
Initial Consumer Rebuttal /* (2000, 7, 2014/07/03) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Unfortunately, I did have to reapply but they expedited my application and it was funded within hoursI should be receiving the money within to business days
Initial Business Response /* (1000, 5, 2015/09/23) */
We regret hearing about the negative experienceProsper follows all state and federal lending laws and do not discriminate against disabled individualsYou were asked to provide further supporting documentation of your income based on
your stated employment status, since it may have included more than one sourceThis is consistent with other types of verification Prosper may ask prospective borrowers such as yourself to provide
We hope you consider Prosper for your personal loan needs in the futureShould you need anything further, including any accommodation for submitting paperwork, please reach out to us at ***@prosper.com and a senior agent can work with you directly
Initial Business Response /* (1000, 8, 2014/11/19) */
We are in receipt of Ms***'s complaint to the Revdex.com and it seems we could have done betterUnfortunately, there was a miscommunication between the various groups involvedNonetheless, we have closed the
account, and Ms*** should see the correction soon (if not already)
Again, our sincere apologies for this mishap
Kind regards,
Prosper Client Services
Initial Consumer Rebuttal /* (3000, 11, 2014/11/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The actions against me caused undue stressI will be pursuing actions against themTHEY wouldn't do THEIR due diligence and put it upon ME to clarify and rectify thingsI think this is unacceptable on their part
Final Business Response /* (4000, 13, 2014/12/01) */
Again, our sincere apologies for the miscommunicationAs mentioned previously, we have rectified the error
Kind regards,
Prosper Marketplace Inc
Final Consumer Response /* (4200, 15, 2014/12/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
It is still showing as open and owing full and increasing each monthThey are not honoring their statement at all
Initial Business Response /* (1000, 10, 2014/12/11) */
We are in receipt of Mr***'s complaint to the Revdex.com and apologize for the break in our processAs of 11/14/14, we have corrected the information that was originally reported to the bureaus
Again, our sincere
apologies
Kind regards,
Prosper Client Services
Initial Consumer Rebuttal /* (2000, 12, 2014/12/15) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you very much to Revdex.com and Prosper for addressing the complaint as desired
Initial Business Response /* (1000, 5, 2015/12/01) */
Hi ***,
We apologize for the negative experienceThe fee is the cost to originate the loan, also known as an origination fee or pre-paid finance feeThis fee is highlighted on step three of the application and is located on the
Truth in Lending document before accepting the termsA copy of this document is located in your online Prosper account
It appears we have successfully canceled the loan per your request, which means you are not responsible for any feesIf you need further assistance, please reach out to ***@prosper.com and a senior agent will be able to assist you
Regards,
*** ***-***
Customer Experience Manager
Prosper Marketplace, Inc
Initial Business Response /* (1000, 7, 2015/10/21) */
We regret the negative experienceA senior agent has been in direct contact with Mr*** and has provided her contact information should he need anything furtherWe appreciate Mr***'s business and look forward to
providing him a better experience
Initial Business Response /* (1000, 5, 2015/03/15) */
We are in receipt of Ms*** ***'s complaint to the Revdex.com and sincerely apologize for the continued offersI have instructed our technology and marketing groups to remove her name from future marketing
communicationsUnfortunately, since these mail campaigns are are created months ahead, she might receive a few additional letters before they cease
Again, our sincere apologies
Kind regards,
Prosper Client Services
Initial Consumer Rebuttal /* (3000, 7, 2015/03/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
MA
LAST YEAR I BEGAN MY REQUEST FOR REMOVAL, IT TAKES TOO MAY MONTHS FOR THEIR PURCHASED LIST TO BE ACCESSED!!
Final Business Response /* (4000, 9, 2015/03/21) */
We are in receipt of Ms***'s complaint to the Revdex.comWe have removed her email and address from future marketing materialUnfortunately, our marketing campaigns are created months ahead, and Ms*** may see additional mailers for a couple of monthsWe do apologize for the inconvenience
Kind regards,
Prosper Client Services
Final Consumer Response /* (4200, 13, 2015/03/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
the only way to stop receiving their mailings is I have to move, because they never honored their word!!
Initial Business Response /* (1000, 5, 2015/01/07) */
We are in receipt of Ms***'s complaint to the Revdex.comWe are disheartened by her comments and apologize sincerelyPlease note that we must wait a few weeks for the SCRA database to display your active duty
status
Nonetheless, I have instructed my colleagues to adjust your account accordinglyYour account will be adjusted to 6% for the periods of 10/01/XXXX - XX/26/and 12/01/till your Active Duty end dateUnfortunately, Prosper does not own these loansAs you are aware, your loan is owned by individual investorsProsper only services the loans on their behalfAs such, we cannot abide by your additional request
Kind regards,
Prosper Client Services
Initial Consumer Rebuttal /* (3000, 7, 2015/01/09) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I appreciate yet do not fully understand the responseThe SCRA database (actually referred to as the DMDC) is updated, and HAS been updated with all my information since SeptemberAll other creditors have been able to review and take action on the same informationIn addition, I provided my orders, so I do not understand why there needs to be an additional waiting period based on the database
HOWEVER This is positive progress, so thank you
But please be aware that an email from the company indicates they will credit everything back on February based on billing cycles, not based on the database "issue"So the personal email I received seems like a more accurate response than the one filed via the Revdex.comPlease note this discrepancy
I appreciate the response to this issue but I seem to be getting some conflicting information about how/why they are taking action, which concerns me if there will be another mysterious issue why they cannot adjust my accountAs long as I see results by the next cycle I will feel this complaint is resolved, so I am cautiously optimistic until then
Initial Business Response /* (1000, 5, 2015/08/06) */
Thank you for addressing your concernsWe have reached out to the customer and apologized for the experienceDue to document discrepancies, we were unable to extend another loan and have explained the reasons for the denial and
subsequent cancellation of his account as well as provided the customer alternative means to log in to his account and review his balance, documents and paymentsAs discussed with the customer, the PO Box email address is both valid and visible on our website under Contact Us, directly across the office addressShould he need further assistance with his current loan, he may contact us directly through Customer Service at XXX-XXX-XXXX
Initial Business Response /* (1000, 10, 2014/11/20) */
We are in receipt of Mr***'s complaint to the Revdex.comUnfortunately, we were only able to verify a portion of his incomeMr*** can apply using this lower verified income
Kind regards,
Prosper Client
Services
Initial Consumer Rebuttal /* (3000, 12, 2014/11/25) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I disagree with the ProsperPursuant to the email or website evidence, Prosper clearly indicates that the loan was approved and fundedThe following is the actual subject line and chronology of these communications:
Prosper Loan Approval
Today at 11:AM Oct-XX-XXXX
Your Prosper listing has funded!
Prosper (No reply) Oct-XX-XXXX X:XX PM
Your loan request has been cancelled
Prosper (No reply) Oct-XX-XXXX X:XX AM
Thank you for applying for a loan through
Prosper
You do not qualifyProsper (No reply) Prosper
(No Reply) Nov-X-XXXX XX:XX AM
Again, this is the exact order of the emails or website status from ProsperOther than being told I was approved and the loan was funded, how can anyone follow what is going on? I have never heard of a lender approving a request, funding it, cancelling it and then declining it a week later? Absolutely an extreme example of lender carelessness, misrepresentation and finally attempted PYA cover-upThe sad part of this is that I made business commitments based upon Prosper notification #and #
Final Business Response /* (4000, 14, 2014/12/01) */
We are in receipt of Mr***'s rebuttal to our response to his complaint to the Revdex.comAccording to our records, Mr*** received an email on October at 4:05PM: "Your listing, "Other" (Listing #XXXXXXX) for $16,at 14.50% has been created and is active on the marketplace." This email informs him that we have accepted his loan application for listingOn October at 4:11PM, he received a second communication: Your Prosper listing has fundedThis email merely informs him that we have received enough interest from investors to be able to fund his loan
However, this does not mean that the loan has been approvedIn fact, in the same email, Prosper asked for additional information, including proof of current income, to be able to verify identity and income, a necessary requirement for loan approvalOn October at 9:AM, Mr*** received an additional email informing him of the loan request cancellation as well as an Adverse Action Notice (as required by regulation)This email further informed Mr*** that we could not verify his incomeUnfortunately, we have no records of Email #or Email #
We apologize for the confusionHis loan unfortunately was never approved
Kind regards,
Prosper Marketplace Inc
Final Consumer Response /* (4200, 18, 2014/12/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
First off, Prosper is a loan broker for Web BankIt is quite obvious this Company does not control the decision process involving loan submissions especially when an explanation is required for simple terms such a Approved and FundedIf the publics common understanding of these terms have to be specially explained what else is hidden between the lines based upon Prospers own definition?
Secondly, Prosper received my financial package as requested, i.e., per my confirmation email:
Sent from Yahoo Mail on Android
From:"Prosper Loan Approval"
Date:Fri, Oct 31, at 11:AM
Subject:***, Documents
Email Text:
Prosper has been sent not only my business bank account statements but also personal bank statements with a cancelled check
Prosper receives five out of five Pinocchio points for there responseGive it up Prosper just your denial and game of misinformation is just letting other consumers know what type of Company you are to work with!
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
Initial Business Response /* (1000, 5, 2015/10/09) */
Hi ***,
Sorry to hear about your experienceWhile Prosper does review the numerical credit score, it is not the only factor used in making an offerDetails as to why your application was not approved can be found on your Adverse
Action notice, including your credit score from Experian (FICO
This also does not prevent you from applying in the futureAfter the standard waiting period you are eligible to apply again and check your rateYour account will remain open in the interim and welcome you to come backIf you need further assistance, please email ***@prosper.com
Thank you,
*** ***-***
Customer Experience Manager
Initial Consumer Rebuttal /* (3000, 7, 2015/10/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
In the letter I received it said we were unable to approve you because you have to many inquiries and I told them that I shouldn't have that many because I disputed most of them with experian thats why they did another application and was denied again because they said the system takes days to update so the changes wouldn't reflect yet on my report
Final Business Response /* (4000, 9, 2015/10/26) */
Hi ***,
The number of recent inquiries is one of a few reasons why the application was deniedThe Adverse Action notice located in your online Prosper account will provide further details regarding the decisionThis notice also includes the numerical FICO score and provides instructions to contact the credit reporting bureau should you feel any information is incorrectWe base our decision in part on the credit report obtained by Experian
To reiterate, you will be eligible to apply again after the initial waiting period has passedYour account will remain open in the meantime
Thank you,
*** ***-***
Customer Experience Manager
Final Consumer Response /* (4200, 11, 2015/10/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They claimed it was because to many inquiries nothing else but now saying its several factors I have the the letter they sent me theirs always gone be an excuse to deny your loan even though I pay my bills on time never any late payments no derogatory accounts I asked for a simple small loan that would have been paid back I wouldn't need a year payment plan now they say im welcome to reapply after some time has passed *** what to be told no in my face your not good enough for us ive been told no too many times dont think I want to hear again so you close this complaint
Prosper failed to tell me about a $900 origination fee that would be deducted from the loan amount.
Initial Business Response /* (1000, 5, 2015/10/28) */
Hi [redacted],
We regret hearing the negative experience and will review the details of your credit report and payment history to make sure the correct payment history is reported to the credit bureaus. A senior agent will be reaching...
out to you within the next 24 hours.
Thank you,
Initial Consumer Rebuttal /* (3000, 7, 2015/11/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I will accept the response once I see that my credit report has been cleared of all negative reporting. I have tried over and over to clear this myself.
Final Business Response /* (4000, 9, 2015/11/18) */
Hi [redacted],
Thank you for your time today in speaking with one of our senior agents. Please reach out to him directly should you need any further assistance. We appreciate your concerns.
Regards,
[redacted]
Customer Experience Manager
Prosper Marketplace
Final Consumer Response /* (4200, 11, 2015/11/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I checked my credit report today and nothing has changed. The advisor told me that the 30 days late was so old that they don't matter because they won't hurt my credit. I need them to be removed period, like he told me he would.