|
10948010
|
2024-11-27
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5972559
|
2022-09-12
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-09-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-12
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On XX/XX/2022, Prosper submitted erroneous information to XXXX, which caused my credit score to decrease and jeopardized a real estate home transaction. I haven't used the card in question, and Prosper submitted incorrect data with a 93 % utilization. Prosper acknowledges that my information is listed correctly in their systems but refuses to correct it with the credit agency promptly.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5224654
|
2022-02-15
|
Trouble using your card
|
Credit card or prepaid card
|
|
| Issue |
Trouble using your card
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Can't use card to make purchases
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2022-02-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
DO NOT GET THIS CARD. Oh my goodness gracious good golly me, I should have listened when I read someone say the exact same thing.
Yes, it is easy and has a low interest rate..but that is it AND they barely even provide those things. It is very sneaky in the beginning when they let you access your funds digitally even though you haven't gotten your card yet and I should have seen that red flag a mile away. Off the bat, the card also starts denying charges randomly like big purchases and approving minute things like fast food and groceries. The whole XXXX reason I got this card is because my truck broke down and my dog got very sick and passed away within the same two week period and I needed help. Once I had access to my funds, despite all of my settings being exactly where they should be ... .time and time again this card would deny charges, despite them being located within a few zip codes of my address. So nothing to alert fraud about. A text even came through on my phone asking me if a charge to my veterinarian was fraud. I said it was not, but it still proceeded to deny charges 4 times before I had to give up, charge my debit card and go into over {$1000.00} worth of debt for over 3 weeks that I just climbed out of yesterday.
Again, I was approved for a card with a balance of {$2100.00}, AND I COULD NOT USE IT WHEN I DESPERATELY NEEDED TO. Do you know frustrating, maddening and honestly tear inducing it is to not be able to pick up the ashes of your dead dog or get your truck out of the mechanic shop even though it is ready for you, all because your new credit card that you got ( ironically called prosper even ) won't go through and you KNOW you have the available funds.
These people are evil, and this company should be ashamed of itself.
Customer service a a XXXX joke. They send you first in a 3-7 hour call loop where not a soul will pick up the phone, and whenever you think you've found help, it's just the awful answering service cutting out and making you THINK someone is about to answer your call. ( This will happen around 50 times depending how long you sit on that call while contemplating life and its meaning. ).
After you've sat on hold for 3 hours the first time, you hang up angrily and XXXX " poor customer service prosper card contact information '' on XXXX and find a different number! AWESOME!? no. It's the same call loop only that it now has a person who answers! ( who was quite friendly I will give her that ) but has : 1. No Clearance to help your special problem, and doesn't really seem to know who does. ( HINT - IT IS THE FRAUD DEPARTMENT ... SEND ME THERE! ) 2. No idea where to really send you, so they send you back to the original number that is provided for customer service. But hey! That number is the one you sat on hold with for XXXX hours the first time. AND IT GOES ON AND ON AND ON AND ON AND ON.
Don't get me started on email correspondence either. I tried the email address provided ( XXXX once I knew the call number was a joke, but this my friends, this is an absolute joke. My first email : _______________________________________________________________________ Support XXXX XXXX XX/XX/2022 XXXX PM Prosper Customer Support Hi, Were reaching out to confirm that weve received your issue and are working as fast as we can to address your concern. We apologize, were experiencing extremely high email volume at this time.
If your matter is urgent, please feel free to give us a call as soon as you can.
Heres the latest activity regarding your issue : ______________________________________________ XX/XX/2022, XXXX XXXX Hello, My card ending in XXXX has been denying some charges.
I thought it was at first because of the controls and alerts I had selected, but after enabling all transaction types my vet is still unable to process a {$520.00} charge that I need to go through.
I was hoping this could get resolved!
Thank You.
______________________________________________________________________ My second email came after NOTHING was done about my first email, oh wait yes it was. MY CARD WAS SUDDENLY RESTRICTED after I had complained about it and I was totally unable to use it, even at a freaking XXXX XXXX. I again waited on hold for 2 hours with no answer from anyone and then my second email was not so nice.
______________________________________________________________________ Support via XXXX Sun, XX/XX/XXXX, XXXX AM ( 2 days ago ) to me Prosper Customer Support Hi, Were reaching out to confirm that weve received your issue and are working as fast as we can to address your concern. We apologize, were experiencing extremely high email volume at this time.
If your matter is urgent, please feel free to give us a call as soon as you can.
Heres the latest activity regarding your issue : X ____________________________________________________ XX/XX/2022, XXXX PST I am officially filing a claim with the BBB that you are a fraudulent and misleading company that takes advantage of its customers.
My card has been denying charges.
I complain.
You RESTRICT MY CARD FOR NO REASON.
This is fraud.
______________________________________________________________ Notice how it takes them 2 whole days to return an email, and in both emails, you just get a generic " Yeah, okay, whatever we'll look into your issue when and if we can '' response and it is absolutely infuriating.
If you need any more proof that this card is a joke, a fraud and these people should be held responsible, I will gladly provide it to you. I have screenshots, emails, recordings and more. This is unfair and should be shut down before more people fall victim to it.
**I have read that it is also very hard to pay off your balance on this card and it then goes into collection. While this has not yet happened to me, I am only assuming it will by the type of procedures and policies that this company has. DO NOT GET THIS CARD.
PLEASE PLEASE PLEASE PLEASE PLEASE PLEASE DO NOT GET THIS CARD. I don't care how bad you are hurting, you will hurt worse. I and many others can attest to it.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5713388
|
2022-06-27
|
Trouble using your card
|
Credit card or prepaid card
|
|
| Issue |
Trouble using your card
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Can't use card to make purchases
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2022-06-27
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
10977161
|
2024-11-29
|
Problem with a purchase shown on your statement
|
Credit card
|
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Credit card
|
| Sub Issue |
Credit card company isn't resolving a dispute about a purchase on your statement
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-11-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-29
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I prepay all of my bills in full whenever possible, without consideration for but always weeks before, and usually almost immediately- but never late. I don't send payments without having the funds, as I don't make purchases without knowing when I will pay for them in full. I made two payments on this credit card through the app as I do with this and all of my other cards. I checked and make sure on the card and saw that there had been returns. I checked my bank account to see if I had been hacked, and all of the money was still there. My bank returned the two payments because the credit card app submitted a wrong account number. I have been paying these bills for months and always on the app, and I have never changed the account number as I have had this account for 46 years. There was clearly a glitch in the app. I called XXXXXXXX XXXX where my account was and I merge them with Prosper the card company, and it was confirmed that I had the money in the account. The Prosper person understood that it was ridiculous that I was going to the app and change my account number. They put the transaction through again while we're on the phone, it went through without issue, without me doing anything to the account number in the app. Prosper has now reduced my dramatically reduced my credit limit, and is saying I need to pay a higher fee for this card effective next month. They're taking these actions as though my account was in arrears or that this was caused by me. I can't dump the card because I don't want to impact my credit, although they have already impacted it by reducing the limit. This is grossly unfair! The rep for prosper acknowledge they can see how I pay the bill early all the time. It says though I'm being punished for trying to keep my bill at XXXX dollars.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4265743
|
2021-03-30
|
Closing an account
|
Checking or savings account
|
|
| Issue |
Closing an account
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Checking or savings account
|
| Sub Issue |
Funds not received from closed account
|
| Sub Product |
Other banking product or service
|
| Date Received |
2021-03-30
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-01
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
2561963
|
2017-06-29
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2017-06-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-06-29
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2774668
|
2018-01-07
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-01-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-07
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2812837
|
2018-02-13
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Collected or attempted to collect exempt funds
|
| Sub Product |
Other debt
|
| Date Received |
2018-02-13
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-02-20
|
| Consumer Consent Provided |
N/A
|
|
|
2826818
|
2018-02-27
|
Getting the loan
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Getting the loan
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2018-02-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-02-27
|
| Complaint What Happened |
I applied for a loan through Prosper after being pre approved via XXXX XXXX. I began the application, but decided to hold off. They sent me numerous emails asking me to finish the application.
I received one email per day starting on XX/XX/XXXX. On XX/XX/XXXX I decided to take the offer. They required one piece of documentation after the application and funds were approved ; proof of income.
However, their process of acquiring that proof appears to be either arbitrary, or nefarious. The only option given is to submit a pay stub. My employer, however, does not provide me with that. He just writes me a check. I am a XXXX XXXX. So, I submitted the most recent check I had.
I received a phone call today, XX/XX/XXXX, stating that they needed a pay stub, not a check. I asked what information they would need since my employer does not provide a pay stub. I found it irrelevant how the information was given, provided that they had the information. However, the woman made it clear she was not going to give anything anyway and that I had to submit a pay stub and they would not accept anything else.
So, I submitted a pay stub with the following information : Employer name, address, tax ID #, and phone number ; my social security number, address, phone number ; the check number and paid date ; federal, state, local, social security and XXXX withholdings ; gross and net pay.
She denied the document citing " the information was inappropriate, '' and not clarifying beyond that. I called back and talked to another individual. When I pressed on why they are so coy about what information they require of me to prove I have an income she said, " if we tell you what information we need, then you'll just give us that, '' as if that is nefarious and an individual has to guess what they're looking for or lose out on the loan.
If they need information to prove my income, then they need to let me know what that information is beyond a " pay stub, '' since I provided that and they deemed it " inappropriate. '' The agent appears to want the information in some arbitrary format that nobody at Prosper is willing to disclose. The institution needs to simply review and verify what I have given them to see that I do, in fact, have an income. Their unwillingness to do so, I believe, is discriminatory and intentionally deceptive.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1996699
|
2016-07-04
|
Taking out the loan or lease
|
Consumer Loan
|
|
| Issue |
Taking out the loan or lease
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Consumer Loan
|
| Sub Product |
Installment loan
|
| Date Received |
2016-07-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-07-06
|
| Complaint What Happened |
I submitted an online loan application on XXXX/XXXX/XXXX. After loading my bank account information for the loan proceeds and monthly payments, I could no longer access my account and finalize the loan terms. Repeated calls and email exchanges with their client services and VOC Manager XXXX XXXX resulted in no resolution. XXXX XXXX and the client services team constantly contradicted each other as to the cause of the issue. I was informed by client services that I had created XXXX accounts, # XXXX and # XXXX. The latter account is not mine, and I repeatedly told both XXXX XXXX and the client services team it was not. The latter account was even created with an email address that is clearly not mine. The email address contains the domain of a company I did n't even know existed, and currently operates out of the state of Tennessee. The most disturbing detail stated on the response by their client services on XXXX/XXXX/XXXX is my social security number is listed on the account that is not mine ( the email from client services is being accompanied with this complaint ). I informed client services and XXXX XXXX to delete all of my personal information as I would not conduct any business with them since they can not guarantee the would not conduct any business with them since they can not guarantee the confidentiality and safekeeping of my personal information. Surprisingly, I received an email from Prosper on XXXX/XXXX/XXXX stating their Privacy Policy XXXX. Clearly, my personal information has not been removed from their files. I am concerned about the possible access and or distribution of my personal information, as they did not perform their duty to keep it confidential from what I can see at this time.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1848145
|
2016-03-24
|
Managing the loan or lease
|
Consumer Loan
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Consumer Loan
|
| Sub Product |
Installment loan
|
| Date Received |
2016-03-24
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-03-24
|
| Consumer Consent Provided |
N/A
|
|
|
4311491
|
2021-04-19
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-04-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3168887
|
2019-03-04
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Payday loan
|
| Date Received |
2019-03-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-04
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
they are charging me more than i received and they charged me {$100.00} for the first months interest and its not even the first month
|
| Consumer Consent Provided |
Consent provided
|
|
|
6458180
|
2023-01-19
|
Getting a credit card
|
Credit card or prepaid card
|
|
| Issue |
Getting a credit card
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Sent card you never applied for
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2023-01-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On XX/XX/2022, someone called with XXXX number saying was from XXXX XXXX, just want to verify my phone number with account. I was suspicious. I immediately call XXXX XXXX and they said that there was nothing wrong with my account. The person continued calling me over 10 times and I refused to answer. At the time, I notice a welcome email from Prosper. I didn't want open it nor any subsequent email from Prosper. However, I received a credit card with a snapshot of spending on it. So I called Prosper -- again, without providing personal information like birthday, etc. other than my name that was already on the card. The person, XXXX, stated that he submit a request to close the card and close any information on it. He also provided a ticket number, XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2697695
|
2017-10-10
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2017-10-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-10-10
|
| Complaint What Happened |
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account.
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Prosper Marketplace Loan account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
|
| Consumer Consent Provided |
Consent provided
|
|
|
1946255
|
2016-05-28
|
Managing the loan or lease
|
Consumer Loan
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Consumer Loan
|
| Sub Product |
Installment loan
|
| Date Received |
2016-05-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-05-29
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6947364
|
2023-05-07
|
Getting a line of credit
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Getting a line of credit
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2023-05-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I received an email from Propser that they pulled my XXXX XXXX and XXXX score yet I never applied for a loan.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8291617
|
2024-02-07
|
Closing your account
|
Credit card
|
|
| Issue |
Closing your account
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Credit card
|
| Sub Issue |
Company closed your account
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-02-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-09
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
The credit card company is Prosper card and XXXX XXXX XXXX I didn't have a chance Prosper closed my account and I couldn't Pay my account like I do all of my credit card, they was asking me for to much information over the phone when they only needed the last XXXX of my social and the last XXXX of my credit card, Prosper wanted me to give them my full name and address my social security number and refused because you don't know who is listening on the the line, I MEAN IDENTITY THEFT IS REAL YOU NEVER KNOW WHO IS LISTENING ON THE LINE because of that they close my account and I only owed them {$500.00} and I wanted to pay it all off but I couldn't because they closed the account and now they are turning it over or have turned it over to collecting as i try maintain my good credit.
XXXX XXXX XXXX I kept paying the hundreds of dollars and my balance kept going up i was wondering what is going I was down to {$700.00} dollars and it went back up to {$1000.00} quickly they never contacted me because I stop paying because the more I was paying the more my balance was increasing i was wondering where my my was going I have statement her to prove what I am saying and they just close the account no notice by letters email or phone call I tried calling them my number was Block please help I do want to pay off these account I don't want to ruin my credit I am trying every day to better my credit please let me hear from you I wrote FTC about XXXX or XXXX weeks ago and I haven't heard anything from them they had supposedly turned the email over to CFPB but I haven't gotten no reply thank you and God Bless.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8189517
|
2024-01-12
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-01-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-12
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7820438
|
2023-11-08
|
Problem when making payments
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2023-11-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-08
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6349876
|
2022-12-21
|
Fees or interest
|
Credit card or prepaid card
|
|
| Issue |
Fees or interest
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Problem with fees
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2022-12-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-12
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
The bank sent me a statement prior to the credit card. I was charged a {$39.00} fee on XX/XX/2022 before I activated the card. I did not have the opportunity to enroll in automatic payments to have the fee waived and did not activate the card until XX/XX/2022.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7942806
|
2023-12-03
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2023-12-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8790842
|
2024-04-17
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-04-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Proper card was paid off in full XX/XX/2023. Company reporting incorrect information as a major violation of FTC Law and Federal Truth In Credit Report Act and Billing fraud.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7875503
|
2023-11-19
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-11-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9833290
|
2024-08-17
|
Closing your account
|
Credit card
|
|
| Issue |
Closing your account
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Credit card
|
| Sub Issue |
Can't close your account
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-08-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Proper credit card shows credit limit of {$500.00} with new balance of negative {$110.00}, XXXX available credit, and new got the entitle refunds with no cards and access to account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2477104
|
2017-05-05
|
Problem with the payoff process at the end of the loan
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Problem with the payoff process at the end of the loan
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2017-05-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-05-05
|
| Complaint What Happened |
Please note this complaint is about being an investor in Prosper, a peer to peer lender ( similar to XXXX XXXX ), but there was not an option to select for this. Between XXXX I investe d ~ {$1300 0.00} in various notes and Annualized Returns for the period averaged around 10 % for this period. I recently received an email saying Prosper had incorrectly calculated the Annualized Returns, so they now appear to be about one half of what they initially stated, including a negative return in XXXX . Had I known actual returns were less than one half of what was stated, I would have not continued to invest in loans. From speaking with a manager, it sounds that this was unintentional error, but nonetheless my investment decisions wer e based on their information.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4185146
|
2021-03-05
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-03-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-05
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6977996
|
2023-05-15
|
Getting a line of credit
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Getting a line of credit
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2023-05-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
|
|
6131838
|
2022-10-26
|
Problem when making payments
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2022-10-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-26
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2405604
|
2017-03-27
|
Taking out the loan or lease
|
Consumer Loan
|
|
| Issue |
Taking out the loan or lease
|
| Timely |
Yes
|
| Company |
Prosper Marketplace, Inc.
|
| Product |
Consumer Loan
|
| Sub Product |
Installment loan
|
| Date Received |
2017-03-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-28
|
| Consumer Consent Provided |
Consent not provided
|
|
