Complaints

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

close

Find a Location

Prosper.com has 2 locations, listed below.

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

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Prosper.com

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

  
• 

  Prosper.com

  PO Box 1467 Killeen, TX 76540-1467

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

• Initial Complaint

  Date:04/18/2025

  Type:Customer Service 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 did NOT apply for a loan with Prosper and received an adverse action letter. This bank will be hearing from me tomorrow. They need to be investigated for false loan application

  

  Business Response

  Date: 04/24/2025

  Dear ********,
  
  Thank you for reaching out. We understand your concern and want to clarify the situation.
  
  It appears that you may have checked loan rates through our partner site, ********. When this happens, an inquiry is made to provide you with potential loan offershowever, please rest assured that no formal loan application was submitted to Prosper, and no hard credit inquiry was made. Since no terms were accepted or signed, this does not affect your credit score.
  
  If you believe this activity was done in error or without your consent, we strongly recommend placing a fraud alert with the credit reporting agencies to safeguard your credit profile.
  
  We take matters like this seriously and are here to help. If you have any further questions or concerns, please dont hesitate to contact us at ********************************** or call us at ****************.
  
  Sincerely,
  Prosper ***************

  Customer Answer

  Date: 04/24/2025

  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:04/18/2025

  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 made prosper credit card above what I had due on the card I made them ******** and prosper refuses to close my account and take me off a hardship program that I no longer need. My credit limit was only $5,000. I am due a refund but they want to keep the card open so they can continue to collect fees. They are scammers and do illegal things

  

  Business Response

  Date: 04/24/2025

  Dear *****,
  
  We're very sorry to hear about the frustrations you've experienced while trying to close your account.
  
  Typically, customers enrolled in a hardship program cannot modify their terms or close their accounts until the duration of the program is completed. As a courtesy, we have proceeded to close your account as requested. 
  
  Additionally, we want to clarify that we do not charge late fees and interest charges are reduced for the duration of the hardship program. This is designed to make it easier for you to manage your balance. 
  
  We are happy to let you know that an overpayment refund, requested on 04/16/2025, was approved and already being processed. Please allow 7-10 business days from 04/24/2025 for the check to arrive at the address we have on file.
  
  We sincerely apologize for the confusion and frustration this has caused. If you have any further questions or need assistance, please dont hesitate to contact us at ********************************************************************** or call us at ************. We're here to help.
  
  Sincerely,
  Prosper ***************

  Customer Answer

  Date: 04/26/2025

   
  Complaint: 23222582
  
  I am rejecting this response because: 
  I paid the account off. Im glad Im getting a refund but prosper needed to have not give me a hard time when paying off my account. I want to be clear that they are not trying to charge me any me fees or interest since the account is closed and paid off.
  
  Sincerely,
  
  ***** ********

  

  Business Response

  Date: 05/01/2025

  Dear *****, 
  
  Thank you for sharing your experience with us.
  
  We strive to provide our customers with the best experience possible with all aspects of their experience with us. 
  
  At the time of the call, the account was past due which required us to connect the call with our Collections team for further assistance. Please note, check payments can take 7-10 business days to arrive and we are happy to see your payment was received and processed within the expected time frame.
  
  If you have any further questions or need assistance, please dont hesitate to contact us at ********************************************************************** or call us at ************. We're here to help.
  
  Sincerely,
  Prosper ***************

  Customer Answer

  Date: 05/02/2025

   
  Complaint: 23222582
  
  I am rejecting this response because: Prosper still have not closed my account. They decrease the credit limit and still have it open. I requested ten times for my account to be closed. I paid them over $5,246.00 
  
  Sincerely,
  
  ***** ********

• Initial Complaint

  Date:04/17/2025

  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've had a prosper credit card for a few years and months ago they randomly locked my card. When I called to rectify the locked card, they said they could not verify my account due to an incorrect date of birth. The first time I called and spoke with a ****** he told me he could not fix it for me, and would not connect me to a supervisor. He told me to try again another time and hung up on me. After calling again, another agent told me they opened a ticket to an "internal team" and they'd get back to me. Never head from them. It's not 4 months later and I'm getting the same response on the phone, that someone from the internal team will get back to me. Clearly nobody is going to fix this issue, and also I'm not sure how they have my DOB wrong when I was approved for the credit line and its been reported just fine until now.

  

  Business Response

  Date: 04/25/2025

  Dear ****,
  
  Thank you for reaching out. We truly apologize for the frustration this situation has caused, and we understand your concern about being unable to access your account or receive timely support.
  
  Weve reviewed your account and want to acknowledge that the issue stemmed from a transaction that was flagged for potential fraud on July 16th, 2024. 
  
  Upon calling in on 04/17/2025, a typo in your date of birth during the application process prevented us from verifying your identity when you contacted us to resolve this. While the day and year were entered correctly, the month was mistakenly listed as May instead of August. 
  
  Were glad to share that this has been resolved, and no further documentation is needed from you at this time.
  
  We understand how frustrating it must have been to experience delays and confusion, especially when trying to access your account. We identified an opportunity while working with our team and we are working diligently to prevent this in the future.
  
  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:04/16/2025

  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.

  SCAM ALART!!! I applied for a loan with this company, was approved for a $5k loan which was to be disposed the next day. Right before the bank closed I received a call that they needed to verify it was me by going and withdrawing $1,300 from my account, which they had just deposited into it (in increments of 200), then go to ******* and send the money back to them. Then the following morning the full amount of 5k would be deposited into my account. All after getting my account information and being able to go and view it to verify income and balance.Spoke to the bank and was told they the deposit was still pending and after i would have withdrawn the amount to send them the deposit would have reversed leaving me $1,300 negative.

  

  Business Response

  Date: 04/23/2025

  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 was the work of a third party posing as Prosper. We want to be clear that Prosper would never ask a customer to withdraw or send money as part of the loan process.
  

  Weve checked our system and couldn't find any record of an application or interaction under your name, which further suggests this was not a legitimate communication from our team.
  

  We strongly recommend contacting your bank to report the incident and secure your account, and reviewing your credit reports for any suspicious activity.
  

  If you have more details to share or need further assistance, please reach out to us at ********************************** or ****************.
  

  Sincerely,
  Prosper Client Services
  

  
  

• Initial Complaint

  Date:04/16/2025

  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.

  I received an e-mail from prosper credit card on 12/18/2024 for a $40 credit after enrolling in auto pay and making 3 consecutive auto payments. I called and enrolled and asked if I made additional payments if that was ok and was told sure. They never processed the auto pay for the minimum because of my additional payments and now say since I didn't make the auto payments I don't get the credit. THEY are the ones to process the auto payments. It nowhere in the e-mail says you can't make additional payments. It's not my fault they never processed the auto payments. THIS IS A SCAM.

  

  Business Response

  Date: 04/23/2025

  Dear *******,
  
  Thank you for reaching out and for sharing your experience with us. We understand how this situation could be frustrating, and we truly appreciate the opportunity to clarify and make things right.
  
  The promotional offer you referencedemailed on December 18, 2024outlined that a $40 statement credit would be applied automatically after three consecutive Auto Pay payments were successfully processed. While additional payments to lower your balance are absolutely allowed, they can impact Auto Pay processing if they fully cover the scheduled payment amount prior to the Auto Pay due date.
  
  Weve reviewed your account and can confirm that three payments were made manually rather than through Auto Pay. However, in appreciation of your effort and as a gesture of goodwill, weve applied the $40 statement credit to your account.
  
  Additionally, weve also issued a $59 credit for your annual fee as a courtesy.
  
  These credits will reflect on your next billing cycle.
  
  If you have any further questions or need assistance, please dont hesitate to contact us at *************************************** or call us at ************. We're here to help.
  
  Sincerely,
  Prosper Client Services
  
  

  Customer Answer

  Date: 04/23/2025

  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:04/10/2025

  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 am writing to file a formal complaint against Prosper.com regarding inaccurate credit reporting and unfair fee practices.Nature of Complaint:Prosper.com is inaccurately reporting a 69-day past due balance to credit bureaus. This inaccurate reporting stems from late fees charged due to unsuccessful payment attempts on a closed bank account.Background: I had a loan with Prosper.com, and at one point, I closed the bank account that was being used for payments. I updated my payment information with a new, active account. Despite this update, Prosper.com continued attempting to charge the closed account. As a result, I was charged late fees and insufficient fund fees for these failed transactions, even though all my payments were ultimately made on time through the updated account.Specific Issues: Inaccurate Credit Reporting: Prosper.com is reporting a 69-day past due balance to credit bureaus, which is directly related to the late fees incurred from attempting to charge the closed account. This is damaging my credit score.Unjustified Fees: I was charged late fees and insufficient fund fees for transactions attempted on a closed account, despite updating my payment information.Refusal to Correct: When I contacted Prosper.com to dispute these charges and request the removal of the inaccurate credit reporting, I was informed that nothing could be done because "it had been too long," even though the issue stemmed from Prosper.com's error.Desired Resolution: I request the following actions from Prosper.com: Immediately cease the inaccurate reporting of a past due balance to credit bureaus and correct the information with all reporting agencies.Remove all late fees and insufficient fund fees associated with the unsuccessful attempts to charge the closed bank account. Provide a written confirmation that the inaccurate credit reporting has been corrected and the fees have been removed.

  

  Business Response

  Date: 04/16/2025

  Dear ******,
  

  Thank you for reaching out to us, and we appreciate the opportunity to address your concerns. First, we want to congratulate you on successfully paying off your loan in full as of April 12, 2025. We understand that managing financial details can be stressful, and were glad to see that your loan is now settled.
  

  Weve thoroughly reviewed your account and confirmed that your Navy Federal account was added on July 5, 2022. However, wed like to clarify that when an account is added, its necessary to contact us directly via email or phone to update your primary account information in our system and ensure autopay is directed to the correct account.
  

  Regarding your credit reporting concerns, we want to reassure you that Prosper is committed to accurate credit reporting. We have confirmed that your credit report is accurate as of April 15, 2025. If you believe there is still an issue with your credit score or reporting, we encourage you to reach out to the credit bureaus directly to inquire about how your credit profile may be impacted by the items listed.
  

  Regarding the fees, we understand your frustration. While we strive to prevent any errors, the system will not automatically update payment details without confirmation from the account holder. As for your request to remove late fees or insufficient fund fees, unfortunately, we are unable to reverse charges that were assessed due to the unsuccessful payment attempts on the closed account.
  

  If you have any additional questions or need further assistance, please dont hesitate to reach out to us at ********************************** or give us a call at ************. Were here to help and want to ensure your concerns are fully addressed.
  

  Thank you for your understanding.
  

  Sincerely,
  Prosper Client Services
  

  
  

  Customer Answer

  Date: 04/16/2025

   
  Complaint: 23188768
  
  I am rejecting this response because the only reason why I incurred late and returned payment fees is because you all did not remove the closed account and did not allow for autopay for the new account. ********************** continued to charge the incorrect account every time. My payments were reduced by the credit repair agency as when I closed my contract with them for making my payments late in 2022 I continued on myself with the correct account. I have paid the remaining balance but I would like for my credit report to reflect the accurate information. I only accrued fees because prosper did not remove the closed account or allow for autopay from the correct account. 
  
  Sincerely,
  
  ****** *******

  

  Business Response

  Date: 04/18/2025

  Dear ******,
  

  Thank you for your response and for providing additional context. We understand how frustrating this situation has been and appreciate the opportunity to clarify.
  

  While we did receive your updated bank account information on July 5, 2022, a direct confirmation via phone or email is required to authorize changes to your primary payment method including updating autopay. After reviewing your account history, we did not find any communication confirming this update between the time the new account was added and when we spoke with you on April 10, 2025. As a result, the system continued to attempt payments from the previously authorizednow closedaccount, which unfortunately led to the late and returned payment fees.
  

  Weve also reviewed your credit reporting and can confirm that, as of April 15, 2025, it accurately reflects the loans payment history on file. If you believe any information is being misreported, we encourage you to contact the credit bureaus directly to dispute or clarify the entries.
  

  We appreciate you taking the time to reach out, and were here if you have any further questions.
  

  Sincerely,
  Prosper Client Services
  

  
  

• Initial Complaint

  Date:04/08/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  

  Business Response

  Date: 04/09/2025

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

• Initial Complaint

  Date:04/05/2025

  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.

  Formal Complaint Regarding Violations of Federal, State, and Telecommunications Laws Account Information:Account Holder: ******* ****** Account Number: 0549 Current Balance: $2,094 Credit Limit: $2,100 Background:Prosper Card violated debt collection and credit reporting laws, causing emotional distress, financial harm, and legal concerns.Previous Correspondence:March 4, 2025: Sent documentation to Prospers corporate address with evidence of violations and demands for resolution.USPS Tracking Numbers:9589071052702912411193: In transit.9590940290564122309294: Pre-shipment confirmed with return receipt.Complaints Filed: CFPB, FCC, FTC, Texas Attorney General, and OCCC.Chronology of Events:January 18, 2025: Experian report showed a 93% utilization rate.February 10 March 9, 2025: Prosper made 64 calls despite requests to stop.July 810, 2024: Financial hardship due to Hurricane ***** was ************* Violations:FDCPA Violations:Harassment ( *******): 64 excessive calls.Failure to Cease Communication ( 1006.6(c)): Ignored my request.False Representations ( *******): Misrepresented my debt.Texas Finance Code Violations:Unfair Practices ( *******): Attempted unauthorized fees.Deceptive Practices ( *******): Misrepresented debt status.Failure to Notify ( 392.301(a)(3)): No warning before negative reporting.Metro2 Standards Violations:Inaccurate balances and failure to update disputes.Requested Resolution:Debt Forgiveness: Full forgiveness of $2,********** Corrections: Removal of negative reporting.Monetary Compensation: $34,000 for FDCPA, FCRA, and TCPA violations.Written Acknowledgment: Confirmation of corrective ************* Remedies:If unresolved within 30 days, I will escalate complaints and pursue civil action under FDCPA, FCRA, TCPA, and Texas Finance Code.

  

  Business Response

  Date: 04/09/2025

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

  Customer Answer

  Date: 04/09/2025

   
  Complaint: 23165646
  
  Dear Prosper Client Services,
  Thank you for acknowledging my complaint. However, your response is wholly unacceptable as it fails to address the specific violations and harm caused by your company, as outlined in my original complaint.
  To reiterate, I am requesting the following resolutions:
  Debt Forgiveness: Full forgiveness of $2,094.
  Credit Corrections: Immediate removal of all negative reporting from my credit file.
  Monetary Compensation: $34,000 for violations of FDCPA, FCRA, TCPA, and Texas Finance Code.
  Written Acknowledgment: A formal acknowledgment of the corrective actions taken.
  Your failure to address these issues adequately within the 30-day timeline I have provided will leave me no choice but to escalate the matter further. This includes pursuing civil action and filing additional complaints with federal and state regulatory agencies.
  I expect a substantive response and resolution by [insert deadline, 30 days from your original complaint].
  Sincerely,
  ******* ******

  

  Business Response

  Date: 04/14/2025

  Dear *******, 
   
  Thank you for reaching out to us. 
   
  We want to assure you that were actively looking into the concerns raised through the ***** and well be providing our findings directly through that channel. We understand that these situations can be stressful, and we truly appreciate your patience as we work through the details. 
   
  In the meantime, if you have any additional questions or need further support, please dont hesitate to reach out to us at ********************************************************************** or give us a call at ****************. We're here to help. 
   
  Sincerely, 
  Prosper Client Services 

  Customer Answer

  Date: 04/15/2025

   
  Complaint: 23165646
  
  Dear Prosper *************** and ****** *.,
  I am writing in response to the recent communication regarding my complaint (ID ********* submitted on 4/5/2025 against Prosper.com. The response provided by Prosper is unsatisfactory and fails to address the specific violations and harm caused, as detailed in my original complaint.
  Summary of Unresolved Issues:
  Debt Forgiveness: I am requesting full forgiveness of the $2,094 balance due to the violations committed by Prosper.
  Credit Corrections: Immediate removal of all negative reporting from my credit file is necessary.
  Monetary Compensation: I am seeking $34,000 for violations of the ****** FCRA, TCPA, and Texas Finance Code.
  Written Acknowledgment: I require a formal acknowledgment of the corrective actions taken by Prosper.
  Legal Violations Include:
  FDCPA Violations: Excessive communication (64 calls) despite cease and desist requests, misrepresentation of debt, and failure to update disputes accurately.
  Texas Finance Code Violations: Harassment, misleading practices, and potential collection of time-barred debt.
  Metro 2 Compliance Violations: Inaccurate reporting and failure to correct disputed information.
  Additional Financial Claims:
  Fines for Calls: The original fine for 64 calls stands at $32,000. An additional 23 calls have increased the fines by $11,500, totaling $43,500.
  Total Financial Claims: $77,500, including fines and compensation.
  Action Required:
  I demand a comprehensive written response from Prosper addressing each violation and the proposed resolution within 15 days. Failure to comply will result in further legal action, including escalation to federal and state regulatory agencies.
  To the BBB:
  I appreciate your efforts in facilitating communication. However, I must emphasize that Prosper's response remains inadequate. I request that the BBB continue to monitor this case and assist in ensuring that Prosper addresses these serious violations appropriately.
  Thank you for your prompt attention to this matter. I look forward to a swift and satisfactory resolution.
  Sincerely,
  ******* ******
  
  

• Initial Complaint

  Date:04/04/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have attempted to speak to an escalations team or someone in the office of the president in ******* and did not want to have to file a BBB complaint first and foremost. The customer service team for basic requests do not seem to understand my request or the severity and urgency of my request. I am reaching out with a request for a courtesy Off-Cycle Credit Report Update to be done for me for all three credit bureaus. I am currently in escrow to purchase a home and I needed to reduce my balance after my closing date on the 27th. The payment to reduce the balance was made. Now I need a letter showing the current balance AND I was instructed to have an Off-Cycle update done on my behalf because we cannot wait until 4/27 for the next one. I was successful in obtaining Off-Cycle updates from my other creditors within 24 hours of my requests with no issues. **************** not only understood what I requested but that option was readily available to them. I have had the hardest time finding a phone number to the Office of the President or getting in contact with anyone who can service my card who is in ******* who can actually do something to help. My request again, is for my current credit balance to be updated with the credit bureaus BEFORE my next closing date, as soon as possible as a courtesy. I am also requesting to have a letter mailed and emailed to me that has the current balance reflected.

  

  Business Response

  Date: 04/14/2025

  Dear Unique,  
  
  Thank you for bringing this to our attention, and we sincerely apologize for any frustration or delays you experienced while trying to get your request addressed. 
  
  We understand the urgency of your situation and appreciate you sharing how important this update is as you work through the homebuying process. As of April 4th, 2025, **** submitted a request for an off-cycle credit report update to all three major credit bureaus. This update includes your most recent payments made on March 29th and April 2nd, and please allow 3060 days for the changes to reflect on your credit reports. 
  
  Additionally, on April 3rd, we emailed and mailed a letter confirming your current account balance to the address we have on file. If you have any further questions or need additional support, please feel free to reach us at *************************************** or at **************.    
  
  Sincerely,    
  
  Prosper Client Services 

  Customer Answer

  Date: 04/14/2025

   
  Complaint: 23160864
  
  I am rejecting this response because:
  

  A request being submitted on 4/4/25 is not the same as actually approving the request and completing the request. It is not 4/14/25 and there is no update. 

  The purpose of off-cycle reporting is to have the balances reflected immediately. 
  

  Waiting ***** days is not resolving the issue. 
  

  I need this updated right away with a response from Prosper stating that it has been completed. 

  Sincerely,
  
  Unique ****

  Customer Answer

  Date: 04/22/2025

  No, I have not received a response from Prosper after 4/14. 

  

  Business Response

  Date: 04/23/2025

  Hello Unique,  
  
  Thank you for your response and for the opportunity to clarify.
  
  We understand the urgency of your request and sincerely apologize for any frustration caused. As previously shared, we submitted your off-cycle credit report update request on April 4th, 2025. This update includes your most recent payments and has been sent to all three major credit bureaus.
  
  At this point, the update will reflect on your credit report once the credit bureaus receive and process the information. While were unable to control the exact timing of when the update appears, we want to assure you the request has been submitted on our end.
  
  We appreciate your patience and are here to help with any further questions or documentation you may need, please feel free to reach us at ********************************************************************** or at **************.
  
  Sincerely,   
   
  Prosper ***************

• Initial Complaint

  Date:04/04/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  

  Business Response

  Date: 04/09/2025

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

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