Complaints

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

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  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:07/11/2025

  Type:Product 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.

  Took money out of my checking $59.99 . For a credit card I dont have . Card was never activated. Just want my money back

  

  Business Response

  Date: 07/17/2025

  Dear ******,
   
  Thank you for reaching out, and we sincerely apologize for any confusion or frustration this may have caused.
   
  Weve reviewed your account and confirmed that it was opened on May 14, 2024, with autopay selected at that time. While the first-year annual fee was waived due to autopay enrollment, the second-year fee of $59 was assessed and automatically drafted as scheduled, even though the card was never activated.
   
  We understand the inconvenience, especially since the card was not received. We're sorry for that experience.
   
  Please rest assured that the $59 has been refunded and will be sent to you via check. You can expect to receive it within 710 business days. As requested, your account was officially closed as of June 30, 2025.
   
  If you have any further questions, feel free to contact us at ************ or **************************************** We're here to help.
   
  Sincerely,
  Prosper ***************

• Initial Complaint

  Date:07/10/2025

  Type:Product 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.

  On 5/21/2025 I processed a balance transfer to my daughter's Prosper Card (Acct# **************** from my CitiBank credit card. The balance transfer showed as going to WASTE CONNECTIONS. We called Prosper to confirm that we entered the balance transfer correctly. They stated that WASTE CONNECTIONS was the name that would accept the balance transfer, so I finished the balance transfer. Two weeks later my granddaughter contacted Prosper to find out why the transfer hadn't been credited to her account. They stated they do not accept balance transfers and that they had rejected it. I called CitiBank. They emailed proof that the transfer was accepted. We cannot get Prosper to return this money of ******* to us. They just keep hanging up the phone on us. They said they rejected it, but I have confirmation that it was accepted. We have since paid the Prosper account off in cash, but I want the $******* returned to my granddaughter or myself immediately. My granddaughter is ****** J ******. ******** has also tried to work with Prosper Credit Card to help get my money back, but they will not talk to ********.

  

  Business Response

  Date: 07/16/2025

  Dear ******, 

  Thank you for contacting us. We understand your concern regarding the balance transfer initiated on May 21, 2025, and the frustration this situation has caused.

  After a thorough review, we were unable to locate an account under your name in our system. As such, we are unable to discuss or provide details related to any Prosper Credit Card account that does not belong to you due to privacy and security regulations.

  To assist further, please have the account holder contact us directly at *************************************** or call ************** using the email or phone number linked to the account. Once verified, well be glad to look into the balance transfer and offer additional support.

  We appreciate your understanding and cooperation, and we look forward to resolving this matter promptly once we hear from the account holder directly.

  
  Sincerely, 
  Prosper Client Services
  

  
  

• Initial Complaint

  Date:07/07/2025

  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 was contacted by someone claiming to represent Prosper Loans offering me a $7,000 personal loan. i was told that in order to receive the funds, I needed to complete a verification process, which included purchasing ***** gift cards and sending the codes back. The scammer then told me to deposit an additional $275 to verify funds before the loan could be released. I was also asked to provide my online banking login information so they could confirm my deposit ability and to not login because the bank will suspect fraudulent activities. I now know this was a scam and the person had no real affiliation with Prosper Loans. After giving them access, fraudulent checks were deposited into my account and later rejected, causing my bank balance to go negative. I also noticed unauthorized activity involving Apple Cash. I immediately contacted my bank, reported the fraud, and had the account frozen. I also contacted ***** support to report the gift card scam and request a new digital card. I've changed all my passwords and secured my account and filed and identity theft report with the ***. A 1 year fraud alert was placed on my credit report and I am in the process of extending it to 7 years. I am filing this complaint to also warn others and make the public aware of this scam operation. While I do not believe the real Prosper ************ was directly involved, their name was used to carry out this fraud and someone may still be impersonating them to take advantage of others.

  

  Business Response

  Date: 07/09/2025

  Dear TeErica, 

  Thank you for contacting us. We're very sorry to hear about your experience.

  We would like to clarify that Prosper was not involved in, nor responsible for, the communication you described. Based on the information provided, it appears the actions were carried out by an unrelated third party with no affiliation to Prosper. We sincerely apologize for any inconvenience or distress this may have caused.

  As a precaution, we recommend reporting the incident to your local law enforcement authorities. Additionally, we advise placing a fraud alert with the major credit reporting agencies to help safeguard your credit and personal information.

  If you have any further questions or need additional assistance, please do not hesitate to contact us at ********************************** or call ****************. 

  Sincerely, 
  Prosper Client Services 

• Initial Complaint

  Date:07/07/2025

  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.

  Prosper was notified of my filings of Chapter 7 bankruptcy, yet continue to collect on a debt.A complaint was filed and Prosper was again notified yet continue to collect on a debt that was ****************, Prosper contacted me again, violating my rights.Please see the attached documents.

  

  Business Response

  Date: 07/15/2025

  Dear ******,

  Thank you for reaching out and bringing this matter to our attention. We sincerely apologize for any distress or inconvenience this situation may have caused.

  After carefully reviewing your account, we can confirm that your Chapter 7 bankruptcy was appropriately recorded in our system and that the debt in question was discharged. In accordance with that discharge, we have submitted a request to remove the account from your credit reporting.

  Please note that the account was sold to Resurgent Acquisitions on June 30, 2025, as a discharged account. ********************** no longer owns or services this account. If you have received further communication about this debt, it may have come from Resurgent or a third party acting on their behalf. We recommend contacting Resurgent directly at ************ for any questions or concerns related to the account going forward.

  Additionally, we have reviewed our records and can confirm that there have been no recent outbound contact attempts from Prosper to the phone number we have on file.

  We take your concerns seriously and appreciate the opportunity to clarify this matter. If you need further assistance, please dont hesitate to reach out.

  Sincerely,
  Prosper Client Services
  

  
  

  Customer Answer

  Date: 07/15/2025

   
  Complaint: 23564777
  
  I am rejecting this response because: If a debt is sold after bankruptcy, the new debt owner still cannot collect on a discharged debt, according to the ************************************* However, they may attempt to collect if the debt was not discharged or if the debtor made agreements to reaffirm the debt after the bankruptcy filing. According to your response, the debt was in fact, discharged. By law, there should be no debt to resell. 
  
  Sincerely,
  
  ****** *****

  

  Business Response

  Date: 07/22/2025

  Dear ******,

  Thank you for your patience as we reviewed your concerns.

  The account in question was sold to Resurgent Acquisitions on June 30, 2025, as a discharged account. We recognize your point regarding the legal implications of attempting to collect on a discharged debt, and we want to reassure you that Resurgent Acquisitions has confirmed they will not pursue any further collection activity on this account.

  For any additional concerns, we recommend contacting Resurgent directly at ************. We regret any inconvenience this has caused and appreciate you bringing it to our attention.

  Sincerely,
  Prosper Client Services
  

  
  

  Customer Answer

  Date: 07/22/2025

  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:07/05/2025

  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.

  Today, at 6:56PM on Saturday, July 5, 2025, I submitted a payment. The payment was due on June 5, so I had to submit today to avoid negative reporting to the credit bureaus. But Prosper future-dated the payment for tomorrow, July 6, instead of crediting it for today. And the customer service is open from Mon-Fri only, so I couldn't call to ask them to fix it. I am asking for confirmation that Prosper has fixed the payment date to reflect it was made today, so there will be no negative reporting.

  

  Business Response

  Date: 07/11/2025

  Hi ***********,
   
  Thank you for your recent payment.
   
  We understand how important on-time payments are and sincerely regret any frustration this situation may have caused. According to our records, your payment was initiated after 5 PM ET on Saturday, July 5, which resulted in it being processed with a date of July 6. Please note that payments made after 5 PM ET are credited the following day.
   
  While the payment date was accurate based on the time it was received, we want to reassure you that, due to the timing and our credit reporting schedule, this is unlikely to result in any negative reporting. We can also confirm that there has been no negative reporting on your account.
   
  For future peace of mind, we recommend making same-day payments before 5 PM ET, scheduling payments up to 31 days in advance, or enrolling in AutoPay.
   
  If you have any further questions, our **************** team is available MondayFriday, 6 AM to 5 PM PT (closed on weekends), and can be reached at ********************************** or ************.
   
  Sincerely,
  Prosper ***************

  Customer Answer

  Date: 07/11/2025

   
  Complaint: 23560613
  
  I am rejecting this response because:

  Not only is this response unhelpful with  condescending 'advice', the business admits the falsehood of their classification--they admit the payment was made on the 5th, but they marked it as the 6th. If this dishonest practice continues, I will file another BBB complaint, as well as complaints with the city of ********, the state of ********, and the ************************************* 

  The double-whammy of this dishonest reporting, coupled with the very limited customer service hours that make it impossible to call and get the date corrected same-day, make this practice especially unacceptable. 

  The business needs to fix this practice and stop falsifying payment records. 

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

  

  Business Response

  Date: 07/14/2025

  Thank you for your follow-up ***********. We truly understand your frustration, and we sincerely apologize for the inconvenience caused.
  

  While your payment was received on July 5, it was submitted after our 5 PM cutoff, which means it was processed with a date of July 6, per our standard payment processing guidelines. We understand the impact this can have, especially with limited weekend support, and were sorry this experience has been upsetting.
  

  To clarify, no late fee was assessed and no negative credit reporting occurred for the July 6 payment. Our cutoff policy is outlined in our FAQs, and were always working to improve our systems and transparency.
  

  We appreciate your feedback and take it seriously.
  

  Best Regards, 
  Prosper Client Services 
  
  

  
  

  Customer Answer

  Date: 07/14/2025

   
  Complaint: 23560613
  
  I am rejecting this response because:

  This response is a rehash of their original response. The facts remain: a payment was submitted July 5, which they falsely classified as July 6; I have had accounts with a number of other financial services companies, and this is not a standard industry practice. This business is an outlier. 

  And in fact, a late fee was assessed, which I would like to have credited back to my account. 

  I also ask BBB to mark this complaint as unresolved, since the business is defending their practice of falsifying transaction records and are not offering to change that policy. 

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

• Initial Complaint

  Date:07/02/2025

  Type:Sales and Advertising 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 have had my Prosper card for over a year. I was originally given $1500 credit limit. I didn't use the card for months. I finally did and used ~30% of my limit. My credit limit was then raised to $2100. So, I was then only using ~25% of my limit. The only purchase I made was made 8-9 months ago. I have never missed or been late on a payment. On the contrary, I always pay my payments early. And, I always pay more than the minimum payment due. Despite this, I noticed today that my credit limit had been reduced from $2100 to $600(!) over the last statement period. Worse, I was given no notice that this was going to or had happened. Needless to say, then, that I also received no justification for this massive reduction in my credit limit. And, besides the fact that I may have been depending on having that extra $1500 available in credit on this card, them reducing my limit so drastically suddenly caused me to be using ~70-80% of my available credit instead of the less than 25% of it I was using before the reduction. This caused a big drop in my credit score. So, for no discernable reason I was punished not just by having my credit limit reduced by more than 60%, but also by having my credit score damaged. I had read other complaints against this company on BBB for this same reason, but I assumed there must be more to those stories. Sadly, I have now found out that apparently this is common practice for them to treat loyal, responsible customers this way.

  

  Business Response

  Date: 07/10/2025

  Dear ******,
  
  Thank you for being a valued Prosper Card holder, and for your payment history. We understand your frustration and truly regret any inconvenience caused by the recent credit limit reduction.
  
  Your credit line was lowered from $2,100 to $600 on June 19, 2025, and a letter confirming the change was sent that same day. As outlined in the Credit Limit section of your Cardholder Agreement, credit limits are reviewed regularly and may be increased, decreased, or remain the same based on a variety of factors, not solely on payment history.
  
  We understand how this may have impacted your credit utilization and score, and we appreciate your concern. Please know your account will continue to be reviewed, and future changes will always be communicated to you.
  
  If youd like to discuss this further, feel free to reach us at *************************************** or call **************. Thank you again for being a Prosper customer.
  
  Sincerely,
  ********************** Client Services 

• Initial Complaint

  Date:07/02/2025

  Type:Product 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 was forced by this company to make payments on a credit card via the mail like we are living in the pre internet stage. I try making payments via the phone but I dont have hours to sit on the phone waiting for someone to answer. So I send payments through the mail that get delivered well before the due date. This company applies the payments deliberately and uses an excused that they are delayed in processing and no agent gives an exact answer. I provided letters from my bank showing the guaranteed delivery of the checks and they refuse to refund late fees. This company is out to get me because I call them out for their continued lies and attacks on my credit.

  

  Business Response

  Date: 07/10/2025

  Dear ****,
  
  Thank you for taking the time to share your concerns with us.
  
  We want to sincerely acknowledge the ongoing frustration this situation may have caused. Your experience matters to us, and we understand how difficult and disappointing this must be. Please know that we are actively reviewing your complaint submitted through the ************************************ (****), and we will be providing a full response directly through that portal, in accordance with their process.
  
  Since your correspondence was received via the ***** we are required to respond through that channel, and we will ensure your concerns receive the careful attention they deserve. We also highly recommend that you add any additional information or documentation to your CFPB case so it can be included in our comprehensive review.
  
  We appreciate your patience and understanding as we work to resolve this matter. If you have any additional questions or need any assistance along the way, please dont hesitate to reach out to us at ********************************** or call ************.
  
  Kind regards,

  Prosper Client Services

• Initial Complaint

  Date:07/01/2025

  Type:Product 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 paid off my personal loan with Prosper in full on June 04 2025, and now an autopayment happened on June 19th with debited from my account today on June 30th. They never sent me documentation and they never turned off the autopayment of ******. I want documentation that my loan was paid off in full, a refund of ******, and the autopayment shut off. Thank you.

  

  Business Response

  Date: 07/08/2025

  Dear *****,
  
  Thank you for reaching out. We apologize for any confusion or frustration this situation may have caused.
  
  After reviewing your account, we confirmed that your loan was fully paid off on June 4, 2025. The $350.54 that was posted on June 19th was a credit, and a refund for that amount has already been issued.
  
  Once a loan is closed, auto payments are automatically disabled, so no further payments will be deducted since your balance is zero. Additionally, we can confirm the paid-in-full letter has already been provided.
  
  If you have any other questions or concerns, please dont hesitate to contact us at ************************************************************ or call us at ************.
  
  Sincerely,
  Prosper ***************

• Initial Complaint

  Date:06/25/2025

  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 literally just open a credit card with these people about a week ago they let you use 50 percent of your credit limit before you get your card so I use it to make about 3 purchases I tried to use it again it kept saying decline I finally had got the card in mail so I activated it the man aint even tell me a hold was on the account he proceeded to activate it so basically I end up trying to set a pin it wouldnt let me finally got to talk to somebody and they said it was a hold on my account for potential fraud I was so confused I was wait its me using my card how yall say its fraud if its me using it so basically the lady lied and said wait on a email from the fraud department telling me the hold was taken off my account so they basically end up closing my account and lied and said they sent a email about my account I check my email everyday faithfully no email was sent but they lied and said they sent me one so I talk to somebody today on 06/25/2025 he so called say my account would be open back up it shouldnt have been closed in the first place when I kept telling yall it was me making the transactions so now Im waiting on them to reopen my account and dont know how long thats gone take cause again theres no reason my account should have even been closed as of now I have nothing good to say about this company until this issue is resolved

  

  Business Response

  Date: 07/02/2025

  Dear Kilwana,
   
  Thank you for reaching out and sharing your concerns.
   
  While were limited in the information we can provide in this public forum, we want to assure you that the account was thoroughly reviewed by our internal teams. As part of our commitment to protecting consumer information and account security, we conduct regular reviews. Based on that review, the account has been closed.
   
  If you believe this was done in error, or have additional information youd like us to consider, we encourage you to contact our customer service team directly so we can work with you to clarify or resolve any outstanding concerns. Please dont hesitate to reach us at ************** or **********************************************************************.
   
  Sincerely,
  Prosper ***************

• Initial Complaint

  Date:06/24/2025

  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.

  This complaint is due to Prosper Marketplace processing a loan without my knowledge, falsely e-signing loan documents, never providing any terms of this loan. Forcing me to pay for a illegal loan, then reporting inaccurate and misleading information to all three major credit bureaus after all monies were paid in full. January and April of 2025 I was denied credit due to Prosper Marketplace false credit reporting. I have a email dated Feb 27, 2023, from Prosper verified new email address as ********************** Which indicates the non active email was used previously for the loan : ******************* email not active since 2021). Prosper investigation on 6/21/2023, found that this loan was E-signed on 12/21/2022(ref# *******). According to Prosper loan policy, 48 hours after loan terms are signed, money is disbursed to account (borrower). Bank statement show initial deposit on Jan 4, 2023. Automatic payment made on Feb 4, 2023(unauthorized). Payment arrangements made Feb 27, 2023 to payoff loan. Submitted a written check #**** based on arrangements made to make final payment before the end of April. Final payment processed on April 27, 2023. I have filed several complaints with Prosper Marketplace, regarding this fraudulent loan. June 13, 2025 Prosper responded (within 12 hours) account was paid in full after the charge off on Oct 7, 2023 when in fact final payment made April 27, 2023. Two months afterwards an email 6/30/2023, requested $41.05 after loan pay off.( unexplained payment?. June 12, 2025 @ 9:00am, I ******** ****** spoke with Prosper Marketplace representative recorded call, which Representative stated Prosper records show loan#******* was e-signed on 12/31/2022, then she corrected herself stating it was on January 2, 2023. She confirmed policy is to release funds within 48 hours of the signing of loan agreement. My current credit report from Experian dated 6/6/2025, reflects 30, 60, 90 days late and a charge off of loan # *******.

  

  Business Response

  Date: 07/01/2025

  Dear ********,
  
  Thank you for reaching out to us.
  
  We want to reassure you that we are carefully looking into the concerns youve shared through the ***** and we will be providing our response directly through that channel. We understand how challenging situations like this can be, and we genuinely appreciate your understanding and patience as we work through everything.
  
  If you have any additional questions or need any assistance along the way, please dont hesitate to reach out to us at ********************************** or call ************. Were here to support you.
  
  Kind regards,
  
  Prosper ***************

  Customer Answer

  Date: 07/01/2025

   
  Complaint: 23512448
  
  I am rejecting this response because:July 1, 2025
  
  
  Response regarding Prosper Marketplace LLC, submitted July 1, 2025.
  
  
  Rejecting Business Response regarding this matter (ID# *********, as a consumer I have attempted to resolve this matter directly through the company numerous times with this same vague response. Prosper never provided any evidence to support these false reporting on my credit. I am effect financially daily as a result of these inaccurate information on my credit reports. I requested Prosper to provide proof of authorization and contractual agreement or immediately remove the erroneous loan information from my credit reports. I am not satisfied with Prosper attempt to brush this matter under the rug (again). On June 13, 2025 Prosper responded less than 12 hours after I submitted a complaint on June 12, 2025 claiming they reviewed the matter. This is the first time Prosper Marketplace has to answer to someone other than the consumer, which they have shown no consideration. If this matter is not resolved through credit protection agencies, I would like this matter referred to the small claims court mediation. Please, ask Prosper Marketplace to provide evidence or remove the unauthorized loan from my credit reports.
  
  
  
  Sincerely,
  
  ******** ******

  

  Business Response

  Date: 07/08/2025

  Dear ********,
  
  Thank you for bringing your concerns to our attention, we sincerely apologize for the frustration and financial stress this situation has caused you.
  
  We've thoroughly investigated your complaint regarding the loan on your credit reports. Our records show that on December 31, 2022, an application was submitted using an email address associated with your Prosper account since 2016. The loan was approved, and our records indicate the terms were electronically agreed to on January 2, 2023.
  
  We understand your concerns about communication issues. Our records show you contacted our customer service in February 2023 to update your email address and expressed confusion about the loan status. We noticed that our approval email went to the old email address you had on file, creating a communication gap.
  
  In response to your validation request, a Validation of Debt packet will be sent to the address you provided within 7-10 days.
  
  As of July 1, 2025, we can confirm the loan is reporting to all three credit bureaus correctly.
  
  We apologize that our previous communications haven't adequately addressed your concerns. If you have questions, please dont hesitate to reach out to us at ********************************** or call ************. Were here to support you.
  
  Sincerely,
  Prosper ***************

  Customer Answer

  Date: 07/08/2025

   
  Complaint: 23512448
  
  I am rejecting this response because: Prosper Marketplace has continued to use the same verbiage and has not provided any proof of this loan, no signed terms of agreement, no proof of service, only a promise to investigate matter?  I have provided written (email) from Prosper showing there is false information regarding when this alleged loan was processed and proof Prosper didn't have my current information at the time of this alleged loan.  Prosper is allowed to use deceptive loan practices, without providing any proof, other than the word, when a consumer has to provided detailed information, validate all claims with proof which was provided.  I would like this matter to be sent to the small claims court and request information regarding the process.  This matter has been ongoing for over a year and Prosper has never provided any documentation to establish the false claim that I established this loan and agreed to the terms of this loan.  The fact that I paid the loan back to try to stop Prosper from destroying my credit and after they received all their money and the money they extorted from me, they still damaged my credit to show their power over the consumer.  This is theft and strongarm robbery, I am not going to allow Prosper to abuse the system without this matter being addressed at every level.  Prosper claims their investigation was completed June 13, 2025, but still hasn't provided this consumer or any of the agencies investigating this matter with any proof.  CFPB, Las Vegas Metro Police ***** BBB, ***********************, IC3 Internet Crime Complaint Center, not one agency has received any proof of this fraudulent loan agreement?
  
  Sincerely,
  
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