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:07/21/2025

  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.

  Since I didn't allow prosper to consolidate my debt, I notice I've paid my bill on time and prosper keeps lowering my credit limit affecting my credit score. In 6 months, they have decreased my limit by $1500.00 with no explanation or any notice. Back in January. I made a large purchase and they lowered my credit limit forcing my minimum payment to be $1400.00 and demanded that I paid it by the due date. Since then, they continue to lower my limit and I continue to pay on time.

  

  Business Response

  Date: 07/29/2025

  Dear Narion,
  
  Thank you for contacting us regarding the changes to your credit limit. We understand your concerns and appreciate the opportunity to address them.
  
  At Prosper, we regularly review accounts to determine eligibility for an increase to your credit limit. These reviews can result in your credit limit either increasing, decreasing, or staying the same. For more information on how this may impact your credit profile please speak to a credit specialist. 
  
  Upon review, we have confirmed credit limit decreases occurred on 05/18/2024, 11/18/2024, 3/18/2025 and 7/12/2025. In each instance, a letter outlining the reason for the change was mailed to the address on file. We encourage you to review those letters for more information on why the credit limit decrease occurred. 
  
  We have also confirmed the minimum payment of $1,318 that was due on or before 1/7/2025 was accurate. 
  
  For more information on when credit limits can be changed and how minimum payments are calculated, please refer to the Using Your Account section under Credit Limit and the Payments sections of the Cardholder Agreement. 
  
  Additionally, weve completed a review of how your account is being reported to the credit bureaus and can confirm it is being reported accurately.
  
  We apologize for the frustration and confusion this has caused. If you have further questions or would like assistance in understanding your account, please email us at *************************************** or give us a call at ************. 
  
  
  Sincerely,
  
  Prosper ***************

• Initial Complaint

  Date:07/21/2025

  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 5/21/25 my grandfather ****** *********** agreed to do a balance transfer from his CitiBank credit card to my Prospercard to pay my Prospercard off. When he went to complete the transfer it showed the transfer as going to "waste connections". He called Prosper and Prosper confirmed that this was in fact a division of Prosper. He completed the balance transfer for $3388.05. When I never heard anything I called in and I was told that prosper doesn't take balance transfers and that Prosper had rejected the transfer and that we needed to call ********. ******** completed an investigation and they have not been able to get the money back, because Prosper refuses to talk to them, even though I have email proof that I gave permission. I have since paid the account off and I want the $3398.05 back. My grandfather filed a complaint with BBB and he was told that Prosper can't talk to him about the case. (BBB#********). I have called and been hung up on about this issue. I sent an email on 7/8/25 and received no response.

  

  Business Response

  Date: 07/29/2025

  Dear ******, 
  

  Thank you for reaching out. We appreciate the opportunity to review your concerns regarding the attempted balance transfer to your Prosper Credit Card account.

  Following a thorough review, wed like to clarify that Prosper does not support electronic or wire balance transfers; all transfers must be sent via mailed check. Although your grandfather intended to send the funds to your account, they were mistakenly directed to Waste Connections, an entity not affiliated with Prosper. We have no record of receiving these funds or of any calls placed from your grandfathers number.

  We also confirm that on 6/20/2025, we received your email authorizing ******** to discuss your account. A response was sent on 6/24/2025 with instructions on how to grant third-party authorization.
  

  We understand how concerning and frustrating this situation must be, and we sincerely regret any stress it has caused. However, since Prosper does not accept wire transfers and did not receive the funds, we are unable to retrieve or refund the amount in question. We recommend that your grandfather continue working directly with ******** to trace and recover the funds.
  

  Should you have any further questions, please dont hesitate to contact us at *************************************** or at **************. 
  

  Sincerely,
  Prosper Client Services
  

  
  

• Initial Complaint

  Date:07/14/2025

  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.

  On February 12, 2025 I made my online monthly minimum payment of $59 to the card. I attempted to make an additional payment on 2/17 for $125 - I mistakenly made it for $1250. Immediately after submitting the payment, Prosper reduced my credit limit. That payment ultimately bounced shortly after. On March 12, 2025, Prosper took out my $59 minimum payment without issue. On April 12th, 2025 Proper attempted to withdraw $1143 without my approval rather than my $59 minimum payment. Naturally, that payment failed - how do they go from $59 minimum payment to $1143. Upon seeing this, I immediately made multiple payments 4/22 ($100) 4/25 ($150) and 5/8 (*****). I made multiple attempts to speak to someone at Prosper and no one was able to assist. First I got transferred to an overseas call center where no one had any idea what I was saying or talking about. I called again and was able to speak to someone else about the situation. They suggested that to fix they will make it a hardship claim - even though it has nothing to do with a hardship. They then started showing my account as past due negative status. They still never fixed this. I finally borrowed money to pay them off before the cause further damage to my credit. This situation has hurt my credit during a time I have been looking for work further complicating things. I just want my credit fixed - this should not show a late payment history AT ALL. I have attached a screenshot of my account that you can follow along with the above narrative.

  

  Business Response

  Date: 07/23/2025

  Dear ****,
  
  Thank you for taking the time to share your experience. We understand how frustrating this situation has been and appreciate the opportunity to review it thoroughly.
  
  On February 17, you submitted a payment of $1,250, which **** confirmed was made online. Once that payment failed, it caused your account to become overlimit and delinquent. As a result, your March minimum payment increased to $1,143 to bring your account current, this is why autopay attempted to withdraw that amount on April 12. We recognize this came as a surprise, but it was based on your autopay settings and the account status at that time.
  

  Regarding the credit line reduction on February 18, this was not tied to your payment attempt. Credit limits can be reviewed and adjusted based on changes to your credit profile, and a notice was sent to you the same day.
  
  We understand your frustration with the customer service experience, and we sincerely apologize for the confusion and inconvenience, especially when you were trying to resolve things. During your May 8 call, the hardship plan was suggested as a short-term option since the standard minimum payment wasnt feasible. There was no objection, so we moved forward with enrollment to prevent further past due status.
  
  Weve carefully reviewed your account and, while we truly empathize with how this impacted you, were unable to remove or alter any credit reporting. As a financial institution, we are required to report account activity accurately to the credit bureaus.
  
  That said, were happy to confirm that the short-term hardship program is now complete, your account is current.
  
  If you have further questions please feel free to contact us at *************************************** or call us at ************.
  
  Sincerely,
  Prosper Client Service 

  Customer Answer

  Date: 07/23/2025

   
  Complaint: 23598002
  
  I am rejecting this response because:

  I received notice of my credit being reduced almost immediately AFTER that payment was made. If what you are saying is true, why was the automatic payment taken on March 12 only $61? This is a month after the failed payment. My expectation is that Prosper correct the credit reporting to show as on-time. It is unbelievable that Prosper will not take accountability for their error and for the horrendous service they provided. Instead they are doubling-down on trying to ruin a consumer's credit. This is truly unacceptable. Just use your eyes and you can see what and how I paid.

  Fix your error and what you did to my credit.
  
  Sincerely,
  
  **** ******

  

  Business Response

  Date: 07/29/2025

  Dear ****,
  

  Thank you for your follow-up and for providing additional context. We hear your frustration and understand how this situation has impacted you.
  

  To clarify, the credit limit reduction was applied correctly following a review of your credit profile and was completed after the payment was made in February. The discrepancy in your March minimum payment amount occurred because your statement generated before the $1,250 payment failed, so the system did not yet reflect the past-due status at that time.
  

  We truly regret the stress this has caused, and while we understand this isnt the outcome you were hoping for, we are required to report account activity accurately and cannot modify the credit reporting.
  

  If you have any further questions or need support going forward, were here to help at *************************************** or call us at ************. 
  

  Sincerely, 
  Prosper Client Service 
  

  
  

• 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