Complaints

This profile includes complaints for Prosper.com's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

Prosper.com has 2 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Prosper.com

  221 Main St Ste 300 San Francisco, CA 94105-1909

  
• 

  Prosper.com

  PO Box 1467 Killeen, TX 76540-1467

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/08/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I thought I was doing a online loan with prosper loans ******* shut down my account and is doing investigation!!

  

  Business Response

  Date: 04/09/2025

  Dear Tiff, 
  
  We are truly sorry to hear about your frustrating experience. 
  
  Unfortunately, the actions youve described were carried out by a third party not affiliated with Prosper. 
  
  After reviewing the information provided, we were unable to locate an account or find any previous interactions with our team. 
  
  We recommend reaching out to your bank to explore any available options, and also reviewing the credit bureaus for additional ways to protect yourself and your finances. 
  
  If you have any further questions, please feel free to contact us at ********************************** or call us at ****************. 
  
  Sincerely, 
  Prosper Client Services 

• Initial Complaint

  Date:04/04/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I invested the money in their peer-to-peer lending platform. My banking info has since changed, and you need to contact support to change it. I have emailed three times and called twice with zero response. My money is locked in the platform with no way to pull it out, and a lack of response from support feels like blaring red alarms.

  

  Business Response

  Date: 04/09/2025

  Dear Cheyenne, 
  
  Thank you for reaching out, and we sincerely apologize for the delays you've experienced. We understand your frustration, and we're committed to assisting you. 
  
  Our team sent an email on April 7, 2025, with instructions for updating your banking information. To verify and update your account, ********************** requires two pieces of documentation: 
  
  - Identity document (e.g., drivers license, state ID, or U.S. passport) 
  - Bank document (e.g., voided check or most recent bank statement with full account number) 
  
  If submitting a bank statement without the full account number, please provide supporting documentation, such as a screenshot of the full account details or a deposit slip. 
  
  If you havent received the email, please let us know, and well resend it promptly. 

  For further assistance, feel free to contact our ***************** Team at ********************************* or ****************. Our agents are available Monday through Friday, from 9 AM to 7 PM Eastern Time. 
  
  We appreciate your patience and are here to help resolve this as quickly as possible. 
  
  Best regards, 
  Prosper Client Services  

• Initial Complaint

  Date:03/31/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  A while back I opened a credit card account with ********************** but after having the card for only a couple months, I called and close the account because the credit card is totally worthless, the majority of the time when you try to use it, you were declined for no reason. Their credit card is a total joke. I called a few months ago and told them to close the account and I would make the minimum payment to the account until the account , was paid off, now they have made it impossible to pay online. Theres no way you can login or anything so I have to call in to make a payment. And when you get someone on the phone, they are in a foreign country and you cant understand them. Then I get charged the late fee which they said they was going to remove, but theres definitely something shady going on with these people. I should not have to get on the phone to make a payment. This company should not be allowed to exist. The card is a joke, their fees are outrageous, along with their interest rate.. trying to make a purchase with a card as a nightmare, cause youre probably going to be declined for no reason. I want my credit report adjusted to where my last payment was on time and any late fees removed since they have made it so difficult for me to make a payment. It is probably intentional.

  

  Business Response

  Date: 04/09/2025

  Dear ***,  
  
  Thank you for reaching out and sharing your experience with us. We understand your concerns and appreciate the opportunity to address them. 
  
  It was confirmed that payments were not received by the due dates of 2/24/2025 and 3/24/2025, which resulted in late fees being applied. We are happy to see that the $40 late fee assessed on 03/28/2025 was waived on 3/29/2025 as a courtesy.  
  
  Prosper is required to report accurately and we have confirmed your credit reporting is accurate. You may reach out to the bureaus directly to inquire about how your credit score may be affected by items that appear on your credit profile.
  
  We have confirmed your account was closed as requested on 06/26/2024. Due to the account being closed prior to the launch of our new online experience, you no longer have online access to make payments. Please refer to our communication on 2/20/2025 where we informed you that online access was unavailable and provided alternative payment methods. 
  
  Once an account has been closed payments can be made either over the phone with an agent by giving us a call at ************, or by mail: 
  
  Regular Mail (Please allow up to 10 business days for payment to be received) 
  Prosper Card Services 
  P.O. Box 650078 
  ****************-0078 
  
  Overnight Mail (Please allow up to 1-3 business days for payment to be received) 
  Attn: Lockbox 650078 
  **************************************************;
  *************************;
  
  We sincerely apologize for any inconvenience or confusion this may have caused. Should you have any further questions, please feel free to contact us at ************************************** or call our **************** team at ************. 
  
  Sincerely, 
  Prosper ***************

  Customer Answer

  Date: 04/09/2025

   
  Complaint: 23141338
  
  I am rejecting this response because:

  They intentionally make it hard to pay your bill if you close your account, They can say what they want. They are also a horrible company. Their credit card is almost  unusable, You get declined almost every time you try to use it what a joke.
  
  Sincerely,
  
  *** *****

  

  Business Response

  Date: 04/14/2025

  Dear ***,
  
  We're sorry to hear you remain dissatisfied and truly regret that your experience with the Prosper Card has been frustrating. Please be assured that your feedback is highly valued, and we take all customer concerns with the utmost seriousness. Please be advised that upon account closure date, access to the online payment portal is no longer available.
  
  If you would like to discuss this matter further or have specific issues you would like us to address, please email us ********************************************************************** or call us at ************.
   
  Thank you for your patience and understanding.
   
  Sincerely,
  
  Prosper Client Services
  

  Customer Answer

  Date: 04/15/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *** *****

• Initial Complaint

  Date:03/27/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  A man going by the name ******* ***** stole $400 from me and said the people at ******* did it!

  

  Business Response

  Date: 04/01/2025

  Dear *******,
  
  We appreciate you reaching out and understand your frustration regarding unauthorized transactions. We want to assist you in resolving this matter, but after reviewing our records, we were unable to locate an account under the information provided.
  
  To further investigate, we kindly ask that you provide additional details linked to your credit card account, such as the email linked to your credit card account, the name on file, or the phone number on file. This will allow us to conduct a more thorough review and determine the best course of action.
  
  Please feel free to reach out with the requested information, and we will be happy to assist further. We appreciate your patience and look forward to helping resolve your concern. You can reach us by email at *************************************** or by calling our *************************** at ************.
  
  Sincerely,???
  
  Prosper ***************

• Initial Complaint

  Date:03/27/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  applied for a debt consolidation loan got preapproved for then didn't get the loan because i have debt, false advertisement, have to pay off my debt before i can get the debt consolidation loan

  

  Business Response

  Date: 04/01/2025

  Dear *******, 
  
  Thank you for taking the time to share your experience with us. 
  
  We have also received an inquiry via the **** and FDIC and we will be sharing the results of our research there. 
  
  If you have further questions in the interim, please email us at ************************************************************ or call us at ****************. 
  
  We look forward to addressing your concern. 
  
  Sincerely, 
  Prosper Client Services 
  

  Customer Answer

  Date: 04/01/2025

   
  Complaint: 23124121
  
  I am rejecting this response because:
  It isn't a response,  they haven't explained anything. Why you can't receive a debt consolidation loan with debt after being approved.
  Sincerely
  
  ******* *****

  

  Business Response

  Date: 04/03/2025

  Dear *******, 

  Thank you for getting back to us.
  
  We are still researching the inquiry received through the **** and will share the results of our research there.
  
  If you have further questions in the interim, please email us at ********************************************************************** or call us at ****************.
  
  Sincerely,
  Prosper Client Services

  Customer Answer

  Date: 04/04/2025

   
  Complaint: 23124121
  
  I am rejecting this response because:, again still haven't answered the questions
  
  Sincerely,
  
  ******* *****

• Initial Complaint

  Date:03/22/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Extended stay America on ***** in ********* ***** charged me a no show fee of $66.69 despite the fact i had cancelled. In fact I had never booked but I did call back to say I wouldn't be booking and not to use the card that had been holding a reservation.They are saying that because I don't have written down the time and day I cancelled it's too bad. That's really scummy, please correct this error.******** *******

  

  Business Response

  Date: 03/26/2025

  Dear ********,
  
  We appreciate you reaching out and understand your frustration regarding the no-show fee. We want to assist you in resolving this matter, but after reviewing our records, we were unable to locate an account under the information provided.
  
  To further investigate, we kindly ask that you provide additional details linked to your credit card account, such as the email linked to your credit card account, the name on file, or the phone number on file. This will allow us to conduct a more thorough review and determine the best course of action.
  
  Please feel free to reach out with the requested information, and we will be happy to assist further. We appreciate your patience and look forward to helping resolve your concern. You can reach us by email at *************************************** or by calling our *************************** at ************.
  
  Sincerely,???
  
  Prosper ***************

  Customer Answer

  Date: 03/27/2025

  Thank you.

  ******** *******

  *************************************

   

  ************

   

• Initial Complaint

  Date:03/12/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Regarding the entire charges on my PROSPER CREDIT CARD they are all fraud and not done by me.Amalitsa ********** last 4 of social are 9723 last for of card are 6324 **************************************** ************ I have disputed this with you several times. THE MERCHANTS DID NOT EVEN *********** need to remove these charges from my account Total amount of fraudulent charges are $1,177.96 THESE ARE ALL FRUAD CHARGES KINDLY REMOVE THESE CHARGES FROM MY PROSPER CREDIT CARD ACCOUNT DUE TO FRUAD

  

  Business Response

  Date: 03/20/2025

  Dear Amalitsa,  
  

  Thank you for contacting us regarding the unauthorized charges on your Prosper Credit Card. We understand how concerning and frustrating it must be to see charges that you believe to be fraudulent, and we sincerely empathize with your situation.  
  

  After reviewing your case, Id like to inform you that on 10/15/2024, a fraud dispute was filed for the unauthorized charges on your account. On 10/16/2024, the team attempted to reach you by phone, but unfortunately, they were unable to connect. Following this, no additional information was received.  
  

  Regrettably, after a thorough review, your claims were denied, and multiple denial letters were sent to the address on file. As a result, the temporary credit previously issued has been removed, and you are now responsible for the charges on the account.  
  

  If you have any further questions or need additional clarification, please do not hesitate to reach out at *************************************** or by calling ************. Thank you for your understanding, and we hope this information helps.  
  

  Best regards,  
  Prosper *************   

• Initial Complaint

  Date:03/12/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My Billing Statement for account ending in 5718 close on 2/8/25 with the bill due date of 3/5/25 I scheduled my payment to be made on 2/9/25 in the amount of $72.00 which they processed on 2/8/25 instead of 2/9/25 and it posted to my account on 2/9/25 The ************* continued to show I still had a payment of $71.00 due by 3/5/25 even though I had already made the payment of $72.00. I contacted prosper multiple times by phone and email and the issue was not fixed. Then my next statement closed and posted on 3/8/25 saying my payment was past due $168.00 I have contacted prosper again multiple times by phone and email and was finally told that the issue would be fixed and the $29.00 late fee was reversed but they are still saying my payment is past due.

  

  Business Response

  Date: 03/20/2025

  Dear ******,
  
  Thank you for reaching out and sharing your concerns. We understand how frustrating this situation has been for you, and we appreciate the opportunity to clarify what happened.
  
  After reviewing your account, we confirmed that your $72.00 payment was made on 2/8/2025, which was the same day as your billing cycle close date. As a result, this payment was applied to your previous billing cycle rather than counting toward your 3/5/2025 due date. Since we did not receive another payment for March, your next statement reflected a past due amount, which impacted your minimum payment due in April.
  
  We recognize the confusion this may have caused and want to assure you that we have reversed the $29.00 late fee as a courtesy. Your most recent payment of $70.00 was received on 3/12/2025, leaving a remaining balance of $69.00 due by 4/5/2025. Unfortunately, we are unable to reapply payments to a different billing cycle, as they are processed based on the date they are received.
  
  We apologize for any confusion or frustration this has caused. If you have any other questions, please feel free to reach us at *************************************** or at **************.
  
  Sincerely,???
  Prosper ***************

  Customer Answer

  Date: 03/20/2025

   
  Complaint: 23058621
  
  I am rejecting this response because:
  The $72.00 payment was scheduled to be paid on 3/9/25 in the app. And it was posted to my account on 3/9/25 And should not have been processed until then. And not being able reapply to the correct 3/5/25 due is not true. And the $70.00 payment on 3/12/25 should be applied to the payment due on 4/5/25  I know this can be done because before I realized not to make a payment until at least 1day after the statement closing my payment with a different credit company was reapplied to the proper statement.  Also if my statement closing is the 8th of the month then I should not receive the statement until the 9th.  Even if your system wont let you reapply my payments to their proper statement then you do have the ability to Zero out the payment due on 4/5/25 my next payment due should not be until 5/5/25  this is poor customer service. And your representatives have lied to me on the phone saying it would be fixed within 5 business days and its been 2 weeks  please fix this immediately or my my next step is to report you to the ************************************ which I would rather not do because until this issue I have never had any issues with your company. I also have never been late or missed a payment. 

  Sincerely,
  
  ****** *******

  

  Business Response

  Date: 03/26/2025

  Dear ******,
  
  Thank you for reaching out. We understand your frustration regarding the payment application, and we appreciate the opportunity to address your concerns.
  
  After reviewing your account further, we found that your payment on 2/8/2025 was applied to your previous billing cycle due to the timing of your billing cycle close date. As a result, a remaining balance was carried over to your 3/5/2025 due date.
  
  As a courtesy, weve requested an adjustment to apply your 2/8 payment toward the 3/5 due date, and this has been approved. You should see the update reflected on your account within ***** hours.
  
  We apologize for any confusion or inconvenience this may have caused and hope this resolves your concerns. If you have any further questions, please dont hesitate to contact us at *************************************** or **************.
  
  Sincerely,
  Prosper ***************

  Customer Answer

  Date: 03/26/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** *******

• Initial Complaint

  Date:03/10/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I deposited $55 into my Prosper account, but the funds are not showing as available cash to use or withdraw. Despite several attempts to resolve this by emailing Prosper customer support, I have received no response or assistance. This has resulted in frustration and a lack of access to the funds I deposited.What Ive Tried So Far:Ive sent multiple emails to Prospers customer support with no response.Ive checked my account for any restrictions, but the funds remain inaccessible.Desired Resolution:I would like Prosper to either make the $55 available for withdrawal or provide a clear explanation of why the funds are being withheld.A prompt response would be appreciated to resolve this issue.

  

  Business Response

  Date: 03/18/2025

  Dear *****, 
  

  Thank you for reaching out to our team. We appreciate you taking the time to share your experience with us. 
  

  We wanted to inform you that we have also received an inquiry through the ************************************ (CFPB) and will be sharing the results of our research there 
  

  If you have any further questions or need additional assistance in the meantime, please feel free to reach out to us at ********************************* or by calling ************. Our team is here to help, and we are committed to ensuring your concerns are addressed promptly. 
  

  Thank you again for your patience and understanding. We look forward to continuing to assist you. 
  

  Sincerely, 
  Prosper Client Services 

  Customer Answer

  Date: 03/18/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. But again they only gave refund after I reported them
  
  Sincerely,
  
  ***** ******

• Initial Complaint

  Date:03/06/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Reduced my credit limit from $2,300 to $500 with no notification as required by Texas state law. I'm very glad I wasn't in an emergency and needed to use this card. Very unprofessional and my credit score was affected.

  

  Business Response

  Date: 03/13/2025

  Dear Jefonte, 
  
  We understand your frustration regarding the recent decrease in your credit limit and appreciate the opportunity to address your concerns.
  
  We confirmed that your credit limit was reduced from $2,300 to $500 on 03/03/2025 due to a recent change in your credit report. In accordance with our policies, a notification letter explaining this change was sent to your address on file that same day. For further details about credit limit adjustments, we encourage you to review the Credit Limit section in your Cardholder Agreement.
  
  Additionally, we have updated our systems to ensure you do not receive further calls or emails from Prosper. We sincerely regret any inconvenience this situation may have caused and appreciate your feedback.
  
  We apologize for the frustration this has caused. If you have any further questions, please dont hesitate to reach out to us by email at *************************************** or by calling our *************************** at ************.
  
  Sincerely,
  Prosper ***************