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:05/21/2025

  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.

  Prosper is unreachable and once you contact them they claim they will call you back in ***** hours but then they do not return your call. The answering service cannot provide any help- they repeatedly claim that they have high call volume and that there is no customer service available before they take your information for the call back.... but they do not call you ******* not invest money with Prosper unless you plan to have it tied up indefinetely.I have tried to withdraw my investment account for 6 months and they basically have stolen this money.

  

  Business Response

  Date: 05/28/2025

  Dear ******,
  

  Thank you for reaching out and sharing your concerns with us. We sincerely apologize for the frustration and inconvenience youve experienced trying to contact Prosper and withdraw your funds. We understand how important clear, timely communication is, and we regret that we have not met your expectations in this regard.
  

  After reviewing your account, we see that you initially requested to close your account on September 19, 2024. We responded on October 2, 2024, with instructions on how to close your account or withdraw your available funds. When you contacted us again on May 21, 2025, an ***************** agent promptly followed up with the same information.
  

  At this time, your account has $768.98 in available cash, which can be withdrawn to your bank account on file. However, your account cannot be fully closed until all investment notes reach maturity. If you prefer not to wait, you do have the option to forfeit your remaining notes. Should you choose this path, we will provide a forfeiture agreement for your review and signature.
  

  We want to make this process as straightforward and smooth as possible. Please let us know how you would like to proceedwhether you wish to wait for your notes to mature or begin the forfeiture process. Once we hear from you, we will prioritize your request and ensure it is handled promptly.
  

  You can reach us at ************ or ********************************** Monday through Friday, 6am 3pm PT. We truly appreciate your patience and your investment with Prosper, and we are committed to resolving this matter for you.
  

  Thank you again for your understanding.
  

  Sincerely,
  

  Prosper Client Services
  

  
  

• Initial Complaint

  Date:05/17/2025

  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 am filing a complaint against Prosper Marketplace regarding their refusal to properly consider a goodwill adjustment request related to a single late payment reported to the credit bureaus. While I fully acknowledge that the late payment occurred due to an oversight on my part, I have maintained an otherwise consistent and positive payment history with the company.I submitted a written goodwill request, explaining that this negative **** is currently impacting my ability to qualify for a mortgage as I prepare to purchase a home. In return, Prosper responded with generic, template-style messages that failed to address the details of my case. I sent multiple follow-up emails, requesting escalation to a supervisor or someone with the authority to review the situation, but these were either met with further generic replies or ignored altogether.The lack of a personalized or human response suggests Prosper is unwilling to exercise discretion or act in good faith on behalf of responsible customers. This kind of dismissive behavior not only reflects poor customer service but feels predatory and harmful to borrowers trying to make major financial decisions like homeownership.Desired Resolution:I am requesting that Prosper remove the late payment from my credit report as a one-time goodwill adjustment, taking into account my otherwise positive history and the significant consequences this single **** is having on my financial future.

  

  Business Response

  Date: 05/22/2025

  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: 05/22/2025

   
  Complaint: 23343120
  
  I am rejecting this response because:
  Prosper has responded to my complaint but unfortunately failed to acknowledge the context or offer a fair resolution. While they claim to have worked with me, the reality is that I faced unprecedented financial hardship due to industry-wide shutdowns in the film sector and natural disasters such as the California wildfires. Despite informing Prosper of my situation and seeking assistance, I was met with rigid responses and no flexibility in working out a plan.
  They referenced two late payments, but I have never paid more than ******************************************************* derogatory credit reporting per industry standards. My credit history has otherwise been strong, and I was proactively trying to stay on track.
  Im disappointed in Prospers unwillingness to provide even a basic level of support or understanding during a time of clear, documented hardship. I am requesting that Prosper reevaluate their stance and remove or reconsider the negative credit reporting, especially given the temporary nature of the difficulties and my intent to resolve them in good faith.
  I appreciate the BBBs continued support in helping mediate this matter
  

  
  Sincerely,
  
  *** *****

  

  Business Response

  Date: 05/28/2025

  Dear ***,
  
  Thank you for taking the time to share your experience with us. We understand how important your credit standing is, especially as you prepare for a significant financial step like purchasing a home. 
  
  Prosper is required to report accurately. Weve carefully reviewed your request and the history of your account, and as of 05/21/2025, we have confirmed your credit report is reported accurately.
  
  For further information please refer to the response being provided via the CFPB.
  If you have any questions regarding your account details, please feel free to reach out at ************************************************************ or call at ************.
  
  Sincerely,
  Prosper ***************

  Customer Answer

  Date: 05/28/2025

   
  Complaint: 23343120
  
  I am rejecting this response : Consumer Rebuttal to Business Response:
  Thank you for the response from Prosper dated 05/21/2025. Unfortunately, I must reject their resolution, as it does not adequately address the core of my complaint.
  While Prosper states they are "required to report accurately," I respectfully challenge the context in which my payments have been reported. I did not miss any payments beyond 30 days, which is the standard threshold for derogatory credit reporting. The negative marks placed on my credit report were issued during a time of severe financial hardship caused by widespread disruptions in the film industry and the California wildfiresevents outside of my control, which I communicated to Prosper at the time.
  Prospers refusal to provide any form of hardship accommodation or goodwill considerationdespite a long-standing history of on-time payments and proactive communicationis deeply disappointing. Their assertion that they worked with me is simply not accurate, as no meaningful options were provided, and no effort was made to resolve the matter in a way that reflects their customers circumstances or long-term commitment to financial responsibility.
  I reiterate my request for Prosper to show good faith and remove or amend the negative marks on my credit report. I also request that the BBB keep this complaint open and visible so that other consumers can be aware of Prospers unwillingness to support clients during periods of documented crisis.
  Sincerely,
  *** *****

• Initial Complaint

  Date:05/15/2025

  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 applied for a loan with prosper online. They sent me an approval letter and loan docs to sign and I did and returned them. On April 10th 2025 I spoke to someone by the name of ***** ****** loan officer. I was told to call him with my approval number to go over loan and finish processing it. he had me give him my bank info and he says the loan amount would deposit to my bank account as soon as he verified everything he said he needed to send me money to my cash app account so he could verified I had one and I was to send him back the money to an account number he gave me and I did that he then said that I could link my cash app back to my ***** Fargo account and the money would deposit shortly never happened he then said my fica score was low but there was a way for him to push the loan through that he had to contact someone in the company and they would get it approved. I waited and waited no call back I email him to find out what is happening and nothing I have done all the required things to get the loan and nothing get paid once a month social security so on may 10 I get paid and on Sunday may 11 I check my ***** Fargo account and its overdrawn $4300 I call the bank and they say I filed a claim with them on April 10 fir the amount of $4600 which I did not do and now Im stuck with a negative balance on my account that they are charging me $35 a day for overdraft and the bank can no longer do anything cause I said I didnt open the claim and the time for the claim is closed I have email between me and this ***** ****** I also have text messages from a different number he had me text him at. I have the last 4 numbers of a bank account he had me transfer the money that his company had sent to my cash app account from my **************** account and snap shots of the money being sent back I have the approval letter for the loan along with approval code I have all this and the bank cant do anything even though I was not the one to file a claim

  

  Business Response

  Date: 05/15/2025

  Dear ********,
   
  Were very sorry to hear about your recent experience and understand how upsetting this must be. Please know that we take matters like this seriously.
   
  After reviewing your concern, we want to clarify that the actions described in your message were not conducted by Prosper. It appears that someone falsely claimed to represent our company. Prosper does not request that applicants share banking information for the purpose of sending funds or ask them to send money back as part of any loan process.
   
  Our records show that your loan application submitted on April 10, 2025, was declined, and an adverse action notice was sent to you the same day. No loan offers were extended. Additionally, we have found no other applications or active accounts in your name within our system, which further confirms that the communications and transactions you described were not associated with Prosper.
   
  We strongly recommend reporting this incident to your local authorities and notifying all three major credit bureaus to help protect your identity and receive further guidance during this time.
   
  If you have any questions or need further assistance, please dont hesitate to contact us at ********************************** or by phone at ************.
   
  Sincerely,
  Prosper Services
  

• Initial Complaint

  Date:05/15/2025

  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.

  Credit card company has placed restriction on card due to "suspected fraud" but will not allow me to confirm that charge in question is not actual fraud and not removing the restrictions from my credit card prohibiting the legitimate use of the card... despite the legitimacy of the charge.

  

  Business Response

  Date: 05/20/2025

  Dear *******,
  
  Thank you for reaching out to us. We understand your concern regarding the fraud alert on your account and any inconvenience this may have caused.
  
  Our records indicate that a fraud alert was triggered on April 7, 2025, in response to a transaction that required verification. A confirmation was received the same day indicating the charge was not fraudulent. Based on that confirmation, no restrictions were placed on your card, and your account has remained fully active with no blocks.
  
  Please note that restrictions are only applied when we reasonably believe there may be unauthorized or suspicious activity. These measures are in place to safeguard your account and help prevent potential fraud.
  
  Additionally, please be advised that the Prosper Card is for legal use only. If we believe it has been used for illegal or fraudulent activity, certain transactions may be blocked, your account may be closed, and it may be considered in default. You are still responsible for repaying all charges made. For more information, please refer to your Cardholder Agreement.
  
  If you believe there is still an unresolved issue or if you're having trouble using your card, we encourage you to contact us directly so we can assist further. You can reach us at ********************************************************************** or by calling ************.
  
  Sincerely,
  Prosper ***************

• Initial Complaint

  Date:05/08/2025

  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 opened a loan with Prosper on 2/19/25. In April, I obtained a ***** debt consolidation loan so the ***** issuing bank rendered a check payable to Prosper to pay this loan off in full. Per instructions on Prosper's website, I noted my loan number on the check (along with my full name and address) and sent the check to their expedited shipping address via overnight mail. My goal here was to mitigate as much accrued interest as possible. The check showed as delivered on Wednesday, April 23. I contacted customer support on April 24 to confirm receipt, and was informed it often took just ONE business day to apply a check to a ******* is now May 8 and this payment has not been applied, and customer support requests to understand the issue have gone absolutely nowhere. Calling and emailing support renders only a scripted response that the issue has been sent to "the escalation department." When asked how long to expect before the check is applied, answers I receive include "In a couple of days or next week maybe" or "I don't know but I will escalate your question to the correct department" No one is able to answer if interest will be charged during the time between when the check was received and when it may be processed. No one can confirm if I should have the check canceled to issue a new one, or pursue a different payment route.I am shocked at this company's lack of active remediation on an issue like this one. Every single piece of communication I receive is a canned response, and when I ask to speak to a manager or a different department, I am told that this is the ONLY department I can speak with. No one actively helps to find answers.The ideal outcome would be for this payment to be applied before my next payment is due on May 19, which I currently do not have high hopes for, AND for any accrued interest between April 24 when the check was received and whenever the loan is paid off, to be waived.

  

  Business Response

  Date: 05/14/2025

  Dear ******,
   
  We would like to sincerely apologize for the delay in addressing your concerns and the frustration youve experienced regarding your payment.
   
  Upon reviewing your case, we discovered that there was an issue with the check you submitted, specifically that some information was missing that made it difficult to tie it to your account, which caused the delay. We are pleased to inform you that we have successfully located the check and applied it to your account on May 13, 2025.
   
  We completely understand how frustrating this delay has been, and we recognize the areas where we could have communicated better. As a result, we have credited the interest that accumulated on your account from April 23, 2025, through May 13, 2025, to compensate for this issue. Additionally, any remaining balance from the overpayment will be sent via ACH to the primary account on file.
   
  We appreciate your patience and understanding in this matter. As a valued Prosper client, especially with this being your third loan with us, we truly regret the inconvenience this has caused.
   
  If you have any further questions or concerns, please dont hesitate to reach out to us at ********************************** or call ************.
   
  Thank you for your continued trust in Prosper.
   
  Sincerely,
  Prosper ***************

• Initial Complaint

  Date:05/06/2025

  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.

  I received an offer for a loan from Prosper and was told I was approved. When I accepted the offer a hard credit pull was done by Prosper and I was told my application was cancelled for high risk of fraud. Prosper did not ask me to verify my identity or submit any documents to verify any information. I would like the hard pull removed from my credit profile as they did not ask for any information from me or let me know why all of a sudden Im a high fraud risk. I just read a complaint exactly like mine on BBBs website. I feel this is a common scam and do not want my credit score affected by Prospers negligence to request any identity verification from me.

  

  Business Response

  Date: 05/13/2025

  Dear *******,
  

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

  Please know that many different factors impact our ability to offer a loan, including your credit profile and the information provided in your application. An adverse action notice was sent to you on May 6, 2025, which includes additional details about the decision. Unfortunately, we are not able to provide further specifics regarding the decline or offer credit advice.
  

  We recognize that the cancellation may be especially concerning given that no documentation or identity verification was requested during the process. While this isnt always required, we understand your frustration and truly appreciate your patience. That said, we can confirm that the hard inquiry initially placed on your credit report has been removed, and you are welcome to reapply after 90 days should your circumstances change.
  

  We appreciate you bringing this matter to our attention and regret any inconvenience it may have caused. If you have any further questions or concerns, please dont hesitate to contact us at ********************************** or ************.
  

  Sincerely,
  Prosper Client Services
  

  
  

  Customer Answer

  Date: 05/15/2025

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

• Initial Complaint

  Date:04/28/2025

  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 over paid my loan amount and they won't give me my full refund back. I agreed to pay one amount and they took more

  

  Business Response

  Date: 05/06/2025

  Dear *****,
  
  Thank you for contacting us and sharing your concerns. We understand how frustrating it can be when a payment doesnt align with what you were expecting, and we appreciate the opportunity to clarify.
  
  After reviewing your account and recent payment activity, we confirmed that on March 31, 2025, you were provided with a payoff quote of $81.90, which was valid through April 28, 2025. However, a late fee was assessed on April 15th, 2025, because the minimum payment due on March 31th, 2025, was not met. This fee was applied after your payoff quote was given, and that is why the total balance increased slightly before your final scheduled payment.
  
  We also confirmed that you made two additional payments before your scheduled payment of $81.90 processed on April 28th, 2025. As a result, this created a small overpayment of $17.14. Were happy to let you know that a refund of this amount is scheduled to be mailed to you on May 8, 2025. Once mailed, please allow 710 business days for delivery.
  
  If you have any further questions or believe there are any discrepancies, please email us at *********************************** or by phone at ************
  
  Sincerely,
  Prosper ***************

• Initial Complaint

  Date:04/22/2025

  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.

  This business has been trying to scam me and get my personal bank information and texting me and sending me numerous emails saying that *** been approved for a loan. This company is a fraud and scamming organization and it is not the original company but they are using the company name and their main address for their scamming business needs.

  

  Business Response

  Date: 04/30/2025

  Dear ******,
  
  Were very sorry to hear about your experience and completely understand how upsetting and alarming this must have been.
  
  From what youve described, it appears this may be the work of a third party falsely claiming to represent Prosper. Please know that we never ask customers to provide bank information or send money as part of the loan or credit card process.
   
  We reviewed our records and found a declined credit card application submitted on January 25, 2025. Aside from that, we found no other applications or active accounts in your name, which further suggests the communications you received did not come from us.
   
  We strongly recommend contacting your bank, reviewing your credit reports, and reporting the incident to the *** at ***************** to help protect your personal information.
   
  If you have additional details or need support, please dont hesitate to reach out to us at ********************************** or ************.
   
  Sincerely,
  Prosper Client Services
  

• Initial Complaint

  Date:04/21/2025

  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.

  Prosper chose to sell my loan to TSP-1 Credit Control without my consent. I attempted multiple times to get in touch with someone for a payoff amount, as I wanted to settle the account in FULL, but they refused to provide that information. More importantly, they removed my access to their website, preventing me from making any payments. Consequently, I contacted **************, the company that took over my loan, and received various pieces of information and letters from them. I've attached that information and I paid this loan in full as instructed by them. More importantly, since December 31, 2024, Prosper has not made a single phone call, sent a letter, or emailed me regarding my account. Today, they reported to my credit report that I was 30 days late on a payment. THIS ACCOUNT IS PAID IN FULL.

  

  Business Response

  Date: 04/30/2025

  Dear *******,
   
  We sincerely apologize for the frustration and confusion you've experienced with your loan. We understand your concerns and regret any miscommunication regarding your Prosper account.
   
  To address your concerns, once your loan became past due, it was transferred to Credit Control for collection efforts. Unfortunately, this led to a breakdown in communication between both parties, which we acknowledge contributed to the issues regarding the payoff and late reporting.
   
  We can confirm that your loan was settled in full as of December 27, 2025. While there were some circumstances that led to the late reporting, we have already submitted an update to all three major credit bureaus to reflect the loan as "Settled in Full" as of the payment date. While we expedited this request, please note it can take ***** days for the update to appear on your credit report.
   
  Regarding your concern about a lack of contact from Prosper, once a loan is transferred to a third-party agency like Credit Control, Prosper is unable to make outbound calls or emails due to a cease-and-desist request applied to the account. This policy ensures that communication is handled by the agency and protects your rights.
   
  Once again, we apologize for the miscommunication and any inconvenience this has caused. We truly value your business and are committed to resolving this matter as quickly as possible. If you have any further questions or need assistance, please dont hesitate to reach out to us at ********************************** or by calling ************.
   
  Sincerely,
  Prosper ***************

  Customer Answer

  Date: 05/02/2025

  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:04/19/2025

  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.

  Never been 30 days late ! Should not be reported plus pay a fee!

  

  Business Response

  Date: 04/24/2025

  Dear ****,
  
  Thank you for reaching out to us regarding your concerns.
  
  After a thorough review, we confirmed that a $29 late fee was assessed on April 18th, 2025, in accordance with the terms outlined in your Cardholder Agreement, under "Payments and "Fees". This fee was applied because the payment due on April 15th, 2025, was not received until April 19th, 2025. However, we are happy to see that we applied a one-time courtesy adjustment of $29 for the late fee.
  
  Wed also like to reassure you that while the payment was late, our records show that your account has never been reported as 30 days past due to the credit bureaus.
  
  We apologize for any confusion and frustration this has caused you. If you have any other questions, please feel free to contact us at ********************************************************************** or at **************.
  
  Sincerely,
  Prosper ***************

  Customer Answer

  Date: 04/24/2025

   
  Complaint: 23225690
  
  I am rejecting this response because:
  
  Wed also like to reassure you that while the payment was late, our records show that your account has never been reported as 30 days past due to the credit bureaus.

   

   

  iF I was not 30 days past due, WHY did your denial say I was 30 days past due?! Be advised your verbiage violated my credit rights. 
  Sincerely,
  
  **** ********

  

  Business Response

  Date: 05/01/2025

  Dear ****,
  
  Thank you for your response, and we understand your concern regarding the past due language.

  We want to reassure you that after a thorough review, weve confirmed that your account has not been reported as 30 days past due to any of the credit bureaus.
  
  If you have received any documentation from a credit bureau or from us that indicates otherwise, we kindly ask that you submit a copy to us at *************************************** so we can investigate further. 
  
  Sincerely,
  Prosper Client Services