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:06/11/2025

  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.

  I am not liable for this debt with PROSPER MARKETPLACE, I do not have a contract with PROSPER MARKETPLACE, they did not provide me with the original contract as i requested

  

  Business Response

  Date: 06/18/2025

  Dear ******,
  

  Thank you for reaching out and sharing your concerns. We understand how frustrating it can be to deal with matters involving accounts you do not believe you are responsible for, and we want to assure you that we are here to help.
  

  As part of our commitment to transparency and customer care, a debt validation was mailed to the address we have on file on June 17, 2025. In addition, on that same day, our Fraud Team sent you an email containing further documentation related to your claim.
  

  We kindly ask that you review the information provided in the email and respond directly so that we may continue processing your claim. If you did not receive the message or have trouble accessing it, please contact us and we will be happy to resend it.
  

  If you have any questions or need additional assistance, you may reach us at ********************************** or call us at **************.
  

  Sincerely,
  Prosper Client Services
  

  
  

• Initial Complaint

  Date:06/11/2025

  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.

  I called about 8 months ago to have them simply change my due date. I don't get paid until the 4th Wed of every month. I was told the first time that it would take 1-2 business cycles. I waited and it was never done. Since then, I have had to call so many times that I have lost count. I have even talked to managers who promised they would put in a ticket and escalate it, but it still hasn't been changed. I am at my wits end and can no longer call and be told the same thing when nothing is ever done. My last call was on 6-9. I spoke to a woman in customer service and asked why my due date hasn't been changed. She transferred me to collections and said they would do it. I begged her not to do that, because I have learned over the months of calling that only customer svc could change due date. I told the customer *** *** to stay on the line while I talked to collections ***** but she insisted on hanging up. Just as I thought, the collections said they couldn't help me and wanted to transfer me back to customer ***. At this point I told her I couldn't do this anymore. She then promised me that she would put in a ticket to have this fixed and she was going to have somebody reach out to me. I have been told this so many times. I rec'd an e mail from Prosper stating that I needed to reach out to customer Svc to have the due date changed. At this point this just keeps going in circles and nothing gets changed. I shouldn't have to go through this every month and why should I keep calling when nothing gets changed and I just get frustrated. Just writing this is frustrating me. Also, I told them to turn off auto pay and that I would pay the payment every month, well, they did turn off auto pay, but still took the money and took it out twice from my account in April. I never authorized either one. I live paycheck to paycheck and in April I had to go without food for a few days, that is how tight my budget is. In closing, I just want it fixed

  

  Business Response

  Date: 06/20/2025

  Hello *****,
  
  Thank you for taking the time to share your concerns and for allowing us the opportunity to address them. We sincerely apologize for the repeated inconvenience and frustration you have experienced.
  
  There were opportunities for our group while working with you and we have taken steps to ensure similar issues do not occur in the future.
  
  We are happy to see Auto Pay was turned off as requested on 01/16/2025.
  
  On 02/26/2025, you enrolled in our Short-Term Hardship Program, which automatically set up 12 scheduled monthly payments, beginning with a payment on 04/13/2025. Even though autopay was turned off, these hardship payments were still scheduled as part of your enrollment, and resulted in a payment processing from your account on 04/13/2025, in addition to the payment scheduled with an agent on 04/15/2025.
  
  After speaking with an agent on 04/15/2025, all pre-scheduled payments for the Short-Term Hardship program were cancelled and a refund request was submitted. In an attempt to refund the payment from 04/13/2025, a follow-up email was sent on 04/16/2026 to the email address we have on file, explaining that the refund would be issued by check and asked how you'd like to proceed. Since we did not receive a reply, the refund was not issued.
  
  Since all pre-scheduled payments for the Short-Term Hardship program were cancelled, all payments will need to be made manually each month to satisfy the monthly payments due each month on the 13th throughout the duration of the program. Please refer to the Short-Term Hardship Enrollment email sent to the email address on file on 02/26/2025.
  
  We are continuing to review the account to determine if a due date change can occur while being enrolled in the Short-Term Hardship program. A member of our team will send a follow-up email to the email address we have on file within 1-2 business days.
  
  We deeply apologize for the inconvenience this has caused. If you have any other questions or concerns, please dont hesitate to reach us at ************** or **********************************************************************.
  
  Sincerely,
  Prosper ***************

  Customer Answer

  Date: 09/10/2025

  Dear prosper credit card company,

  I am responding to your response from my Better Business Bureau complaint. As of this date, nobody has reached out to me regarding changing the due date on my account. You guys still have it due on the 13th of the month, which does not work for me. This has been a complete nightmare, I simply called about a year ago and said I need a date change because of my payday. All I have From your company is the runaround and being transferred from this department and that department and I cant even call there anymore it makes me physically sick.

  You guys have me past due every single month, I understand I am on a hardship program and per your Response to my complaint on the Better Business Bureau, you said somebody would reach out to me shortly. Can you please have somebody reach out to me. I cannot deal with this anymore, I have enough stress in my life. I will pay every month on the fourth Wednesday of the month that is the best I can do.
  

  Sent from my iPhone

  
  

  

  Business Response

  Date: 09/12/2025

  Dear *****,
  
  We are very sorry for the ongoing frustration and stress this situation has caused you. We completely understand how difficult it is to manage your payments when the due date does not align with your payday.
  
  After reviewing your account, we would like to clarify that an email was sent on 6/20/2025 to the email address on file explaining that, while enrolled in the Short-Term Hardship Program, we are unable to change your due date, which is why your account has remained due on the 13th of each month. We regret if this was not clear or did not address your concerns fully.
  
  We recognize how discouraging it feels to continue experiencing these challenges and apologize for the hardship this has added. Please know we remain committed to supporting you in managing your account successfully. If you have any other questions or concerns, please dont hesitate to reach us at ************** or **********************************************************************.
  
  Sincerely,
  Prosper ***************

• Initial Complaint

  Date:06/06/2025

  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.

  Hi,So, I applied with prosper.com for a personal loan on June 3rd, 2025. They did the prequalification and then presented with a rate that I accepted and went ahead with the loan application. They did the credit check and other evaluation and then suddenly after selecting the email address and account number for funds deposit and autopay, the system suspended my account and mark the loan as cancelled. The adverse notice called out below reasons:Loan Request Number: ******** Date Created: 06/03/2025 Your loan request has been cancelled for the following reason(s):Email Address submitted presents elevated ********* account submitted presents elevated risk.This is in my history of 16 years of credit applications first time I am hearing about this. The account and email they are calling out that has been used before with prosper for loans and I have used prosper in past times and every time I paid the loan in good faith and never had any late payment on my credit file in all these years. They mentioned the below agency:LexisNexis ****************************** P.O. ************************************** Toll-free telephone number ************** ******************* I reached out to LexisNexis and have just few weeks back I have already looked at that report and even my credit file with all three credit agencies and nothing is wrong on report, and I could not find out any reason about this rejection. My only regret is that if they did not want to give loan they could reject with proper reason but flagging my account and email address as elevated risk feels like breach of trust. I called the customer support and got a response that they will not disclose any reason. I have no way of knowing why which to me is not fair reporting and financial duty by a lender. It sounds discriminatory as if you give rejection then mention it clearly.

  

  Business Response

  Date: 06/11/2025

  Dear Gaurav,
  

  Thank you for reaching out, and for being a valued Prosper customer. We truly appreciate your continued trust in us over the years.
  

  Were sorry for any frustration or confusion this experience may have caused. An adverse action notice regarding your loan application was sent on June 3, 2025, and includes the reasons for the decision, along with contact information for the reporting agency.
  

  While we understand your concerns, we're unable to provide further details beyond what is outlined in that notice. Your account remains suspended, and the application cannot be reopened.
  

  Please note that the hard inquiry associated with your application has been removed from your credit report. You're welcome to reapply after 90 days, if you choose.
  

  If you have any questions or need further assistance, feel free to contact us at ************** or ************************************************************.
  

  Sincerely,
  Prosper Customer Support
  

  
  

• Initial Complaint

  Date:06/02/2025

  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.

  Do not apply for this card. They have mishandled my account, then lied about it. Changed terms based on false information. **************** is not helpful at all.

  

  Business Response

  Date: 06/10/2025

  Dear ******,
  
  Thank you for bringing your concerns to our attention. We appreciate the opportunity to provide further clarification.
  
  After reviewing your account, we see that your credit limit was reduced on 05/28/2025 and a letter regarding this decision was mailed to the address we have on file. For more information on when credit limits can be decreased, please refer to the Credit Limit section of the Cardholder Agreement. We also encourage you to contact the credit bureaus for further insights into your credit history.
  
  We also reviewed your customer service interaction on 06/02/2025 and understand how frustrating this experience may have been. Our records show the agent did their best to explain the reason for the credit limit decrease and confirmed your updated limit during the call.
  
  We apologize for the confusion and frustration this has caused. If you have any other questions, please feel free to reach us at *************************************** or at **************.
  
  Sincerely,
  Prosper Client Services
  
  

• Initial Complaint

  Date:06/02/2025

  Type:Order 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 supposed to send me a credit card but never did. I never activated a card. They are charging me ***** and saying I owe it and until its paid I wont receive a card. They are saying because I applied and was approved I have to pay the fee. I want this removed from my credit report and fees and them to remove this card from my file or I want a card sent to me and the fees removed. Once I activate the card, I will pay annual fees.

  

  Business Response

  Date: 06/11/2025

  Dear *****,

  Thank you for reaching out. We understand your frustration and apologize for the inconvenience.

  After reviewing your account, we confirmed that while your card was approved, it was not activated or received. As of June 11, 2025, a new card has been shippedplease allow 710 business days for delivery.

  Regarding the $42.12 charge, this was related to an annual fee and interest. We've now adjusted your account to reflect a zero balance.

  Weve also submitted updates to the credit bureaus, and you should see these reflected within 3060 days.

  If you have any other questions or need help, feel free to contact us at *************************************** or ************.

  Thank you for your patience as we worked to resolve this.

  Sincerely
  Prosper Client Services
  

  
  

  Customer Answer

  Date: 06/12/2025

  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:06/02/2025

  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.

  We applied for a pool loan that we are putting at daughters large property - we were in contact with loan officer received approval - accepted offer and then the company ghosted us saying declined because unable to verify identity when we provided all that was asked. We are being age discriminated as nothing else is true- we even called and verified identity. We have an approval letter then get denial letter

  

  Business Response

  Date: 06/05/2025

  Dear *******,
  
  We appreciate you taking the time to share your experience, and were truly sorry for any frustration or inconvenience this situation has caused.
  
  Please know that we take all concerns seriously and strive to treat each customer with fairness and respect.
  
  An adverse action notice explaining the decision on your application was sent on June 2, 2025, which includes more information about the outcome. While we understand your desire for additional details, we are unable to provide further specifics beyond what is outlined in that notice.
  
  To assist you further, the hard inquiry related to your application has been removed from your credit report.
  
  You are welcome to submit a new application after 90 days, should you choose to do so. If you have any questions or need assistance, please dont hesitate to contact us at ************ or via email at ************************************************************.

  Sincerely,
  Prosper Client Services

  Customer Answer

  Date: 06/05/2025

  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.
  
  I still feel this company discriminates on age and have shared and will continue to share negative reviews with colleagues.

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

• Initial Complaint

  Date:06/01/2025

  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.

  On March 28, 2025 Prosper withdrew an unauthorized amount of money from my bank account, which resulted in my account being overdrawn. My monthly payment on my Prosper account was set for the minimum payment to be drafted. When I brought this to Prosper attention they said theyd investigate it and found that they had a problem in their system which caused this mistake. They stated they would correct it. On May 11th Prosper posted two failed payments of $464.82 and $12.70 to my account. Neither of these payments were payments that I made to the account they were payments that Prosper posted to my account in an attempt to correct the unauthorized payment Prosper drafted from my bank account on March 28, 2025. This made the Prosper account even more negative than the previous mistakes they made. As of today, June 1, 2025 the account is overdrawn at $1031.05 due to the negligence of Prosper. My balance of $542.53 which included the annual fee of $59 is what my account was before the uncorrected previous unauthorized payment on March 28th in the amount of $464.82 and then added two failed payment attempts Prosper made in the amount of $464.82 and $12.70 resulting in my account reflecting $1031.05. After the unauthorized payment and failed payments are credited back to my account that should bring the account to a balanced owed of $77.71. I have sent lots of previous communication regarding this and expect for it to be corrected and not inaccurately reported to the credit bureau as these are the company mistakes, not mine. Ive never been late on this account until I was waiting for them to correct the mistakes they made. They refunded the one late fee I was charged because I was waiting for them to fix my account before making a payment.

  

  Business Response

  Date: 06/10/2025

  Dear ********,
  
  Thank you for reaching out and sharing your concerns. We understand how frustrating this experience may have been and appreciate the opportunity to address it.
  
  After a thorough review of your account and recent activity, we found that the payment drafted on March 28, 2025, occurred due to a delay in the system update related to your AutoPay settings. While your preferences were adjusted on March 21, they were not fully reflected in time for the March billing cycle. We're pleased to confirm that the issue has been resolved and steps have been taken to prevent it from recurring.
  
  Weve also reviewed the communication from May 11 and understand that parts of the explanation may have been unclear. We appreciate your feedback and are using this as a learning opportunity to improve how we communicate around payment and account updates.
  
  Your refund request has been approved and is currently being processed. Additionally, **** verified that your account has not been reported as delinquent on the May statement, and no negative information has been shared with the credit bureaus. Please allow 3060 days for any updates to reflect across all bureaus.
  
  We truly appreciate your patience and understanding. If you have further questions, feel free to reply to this email or contact our **************** Team at **************, available daily from 8 a.m. to 10 p.m. EST.
  
  Warm regards,
  Prosper ***************

  Customer Answer

  Date: 06/11/2025

   
  Complaint: 23404841
  
  I am rejecting this response because: On May 11th Prosper posted two failed payments of $464.82 and $12.70 to my account. Neither of these payments were payments that I made to the account they were payments that Prosper posted to my account in an attempt to correct the unauthorized payment Prosper drafted from my bank account on March 28, 2025. This made the Prosper account even more negative than the previous mistakes they made. As of today, the account is overdrawn due to the negligence of Prosper. My balance of $542.53 which included the annual fee of $59 is what my account was before the uncorrected previous unauthorized payment on March 28th in the amount of $464.82 and then added two failed payment attempts Prosper made in the amount of $464.82 and $12.70 resulting in my account reflecting $1031.05. After the unauthorized failed payments are credited back to my account that should bring the account to $542.53 at which time I can post the refund to my account. 
  
  Sincerely,
  
  ******** *****

  

  Business Response

  Date: 06/17/2025

  Dear ********,
  
  Thank you for your continued patience as we reviewed your concerns further.
  
  We understand how upsetting and confusing this situation has been, and we sincerely apologize for the frustration caused by the unexpected changes to your account balance. We appreciate the opportunity to clarify what occurred and how we've worked to resolve it.
  
  After a detailed review, we confirmed that your March 3, 2025 statement reflected a balance of $464.82, which was paid on March 31. After that payment, there were new charges to the account that brought the balance back up. We also acknowledge that due to a system issue on our end, a refund request was processed even though it caused the account to exceed the limit. This was a one-time exception made to support your request, and were truly sorry for the complications that followed.
  
  As part of our resolution, a refund check was issued and, per our records, cashed on June 3, 2025. While this situation certainly wasnt ideal, weve taken steps to ensure your AutoPay settings and future billing remain accurate moving forward.
  
  We sincerely appreciate your patience and again apologize for the inconvenience. If you have any remaining concerns or need further assistance, please dont hesitate to reach us at ************** or **********************************************************************.
  
  Sincerely,
  
  Prosper ***************

• Initial Complaint

  Date:05/31/2025

  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.

  this so - called prosper loans sent me an email from **************** saying that a loan was approved for me in the amount of $8,000 i believe this is a scam!!!!phone number is ************

  

  Business Response

  Date: 06/05/2025

  Dear *******,

  Were very sorry to hear about your experience and completely understand how upsetting and alarming this must have been.
  
  We want to clarify that the email address and phone number you mentioned are not associated with Prosper. It appears that a third party is falsely claiming to represent Prosper, which may be an attempted scam.
  
  We can confirm that an application was submitted on May 31, 2025, directly on our website, however, no loan offers were provided to you at that time. Please be assured that there are currently no active applications or loans under your name with Prosper.
  
  If you have any further questions or concerns, please do not hesitate to contact us at ************ or email ************************************************************.
  
  Sincerely,
  Prosper Client Services

• Initial Complaint

  Date:05/22/2025

  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.

  May *******, ****** was taken from my checking account without authorization. The company tried telling me that I logged in on the website and reenrolled in auto pay in which I did not. Even if I was on auto pay, there are 3 months of payments not taken and I was charged late fees which are through the roof. My complaint is that I did not authorize a auto payment and they decided they were going to take what ever they wanted out of my account. I do not log in on the web for them. When I pay it is by phone only. I would like to see my late charges dropped especially if I was supposedly on auto pay.

  

  Business Response

  Date: 05/29/2025

  Dear *********, 

  
  Thank you for reaching out to us and sharing your concerns regarding the $333.00 payment withdrawn on 5/20/2025. We understand how unexpected charges can be frustrating, and we appreciate the opportunity to clarify the situation.
  

  Our records show that you enrolled into ******* when you first opened your account and there have been automatic payments made consistently up until autopay was deactivated on 3/20/2025, due to a payment reversal for a closed bank account. As no payments were received in February, March or April of 2025, late fees were assessed in accordance with the account terms.
  

  On 5/11/2025, our system shows that you accessed your online account, updated your banking information, and reactivated AutoPay. This action initiated the $333.00 withdrawal on 5/20/2025. 

  While we rely on these records to ensure account security and accuracy, we truly empathize with your concerns. To help ease the situation, weve applied a one-time courtesy adjustment to remove a late fee from your account.
  

  We apologize for any confusion and frustration this has caused you. We value your business and are here to support you. If you have any other questions, please feel free to contact us at *************************************** or at **************.
  

   

  Sincerely,
  

  Prosper Client Services
  

  
  

• Initial Complaint

  Date:05/21/2025

  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.

  Yesterday, on 5/20/25, I applied for a loan. My loan application was cancelled and my account was suspended for 90 days due to, according to the Adverse Action letter, digital identifiers indicate high risk of fraud. When I called and emailed Prosper to understand what this means (as I have never been a victim of identity fraud and none of the info I provided was inaccurate or fraudulent) they were very unhelpful and told me to read the Adverse Action letter, which doesnt explain what this means. Stay away from this company, theyll issue a hard pull on your credit and then suspend you without giving a reason or reconsidering/allowing appeal when its clearly a mistake!

  

  Business Response

  Date: 05/23/2025

  Dear *****,

  Thank you for reaching out and sharing your concerns. We understand how frustrating this experience must have been, and we sincerely apologize for any distress it may have caused.

  
  Your loan application was flagged due to specific risk factors related to digital identifiers. Unfortunately, we are unable to provide further details on the decision due to privacy policies. We understand how concerning a hard inquiry can be, and we can confirm that it has been removed from your credit report.
  

  We understand this situation may be upsetting, while we cannot provide additional information, youre welcome to reapply after 90 days.
  If you have any questions regarding your account details, please feel free to reach out at ********************************** or call at ************.
  

  Sincerely, 
  Prosper ***************
  

  
  

  Customer Answer

  Date: 05/25/2025

   
  Complaint: 23361028
  
  I am rejecting this response because:

  I understand that you can't post the information publicly due to privacy policies. Please send it to me privately. I am very concerned that you have suspended my account for fraud when I have confirmed with all of the credit bureaus that they have no records of fraud flags and my information is exactly as I entered it online. Suspending a person's account due to fraud and not telling them what indicated fraud is unacceptable.

  I already secured my loan through another company easily, so I will not be reapplying through Prosper, but I need to know what indicators of fraud were associated with my application so I can resolve any issues if they exist (I suspect they do not). Please send them to me privately and I will resolve this case. Thanks.

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

  

  Business Response

  Date: 05/30/2025

  Dear *****,

  Thank you for following up. We understand how frustrating and concerning this experience has been, and we sincerely apologize for the stress its caused.

  
  Your application was declined and your account has a suspension placed because of certain information that did not align with the data we received from consumer reporting agencies. We know this can be confusing, especially when the information you provided feels accurate and were sorry we cant offer more specific details.

  
  The Adverse Action Notice sent on May 20, 2025, outlines the decision. If you believe there may be errors in the data used, we recommend reviewing your credit report and contacting the credit bureaus directly, as they are best positioned to help resolve any discrepancies.

  
  We appreciate your feedback and are here if you have further questions. Please feel free to reach out to us at ************************************************************ or ************.

  
  Sincerely,
  Prosper Client Services