Prosper Marketplace, Inc.

I applied for a credit card and was denied because they accused me high risk of false identity when I used all my true identity information. Then they claimed they couldn't verify my address so did they use any of the credit reporting agencies to verify anything or just declined and made up the reasoning.

I am filing a formal complaint against Prosper XXXX XXXX for deceptive consumer account interfaces, inaccurate financial disclosures, and systemic accounting discrepancies on their online portal. As a consumer managing my debt obligations with a strict ledger, I rely on accurate real-time data. Currently, Prosper 's online user dashboard displays account metrics, payoff progress bars, and remaining balances that are mathematically impossible and fail to reconcile with actual principal paid. Specifically, the portal features a percentage tracker that does not align with the true financial amortization of the loan, and the interface has displayed unexplained 'phantom ' variances ( including an unresolved {$150.00} discrepancy ) where funds do not align between pending and posted statuses. Providing an inaccurate, slow-updating, and mathematically flawed user interface is a deceptive practice that misleads consumers about their true debt equity and progress.…

Product : Consumer Loan / Personal LoanCompany : Prosper Funding LLCLoan ID : XXXX Description of Incident : I am filing a formal complaint against Prosper Funding LLC regarding an operational failure, unfair billing practices, and a complete breakdown of customer service communications that has left my loan funds withheld since XX/XX/year>. On XX/XX/year>, my Prosper personal loan ( ID : XXXX ) was disbursed. However, due to an incorrect bank account number, the ACH transfer bounced back and the funds were returned directly to Prosper. Since that date, the loan funds have been sitting in a clearing account held by Prosper or its originating partner bank, XXXX. Despite making daily, proactive attempts to resolve this issue and update my routing and account details, I am subjected to a broken customer support loop.…

Fraudulent checks equaling {$10000.00} which put my checking account in a negative balance {$10000.00} XXXX XXXX XXXX on XX/XX/XXXX Cash was then transferred into my XXXX XXXX and bought XXXX and sold back to them as XXXX XXXX XXXX said they couldnt help me and it feels like my bank isnt willing to work with me on this

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This situation is causing me emotional distress as I am unable to find a place to live due to this.

I am filing this complaint regarding recurring paper statement fees being charged on my Prosper account despite the lack of a meaningful or functioning electronic statement option. This issue was previously reported to Prosper and I was specifically advised that the matter had been corrected. Despite those assurances, the paper statement fees resumed again. I should not be charged a recurring fee for paper statements while simultaneously being unable to properly opt into electronic delivery or while the company fails to maintain the electronic preference previously requested. This creates a forced fee structure where consumers are charged fees they attempted to avoid and were told had already been resolved. The issue is especially concerning because the company had prior notice of the problem yet failed to permanently correct it. The application or online platform doesnt let me opt in to electronic and the error message is attached.…

CFPB XXXX XXXX XXXX XXXX XXXX Prosper Card Account ending XXXX On the evening of XX/XX/year>, I was the victim of a sophisticated telephone fraud attack known as " vishing. '' A caller whose ID appeared as XXXX XXXX XXXX the actual issuer of my Prosper Card contacted me claiming to be a bank representative. He told me to look at the back of my card, where I confirmed the bank 's name matched his caller ID exactly. This gave him immediate credibility. While I was on the phone, I began receiving simultaneous fraud alert texts from multiple financial institutions between approximately XXXX XXXX and XXXX XXXX all of which I have retained.…

On XX/XX/XXXX, the regular statement for the Prosper Credit card was released for my account, which had a minimum payment amount of {$56.00}. On that day, I made a payment of {$60.00}. There was a XXXX payment due for the rest of the month. I had actually been in the card to validate that later in the month, as I do check the card with others to make sure that there would be no issues. I got a notification of the new statement on XX/XX/XXXX that showed a past due balance and that I now had a total due of {$130.00}, and that there had also been a late fee assessed of {$29.00}. Of course, I called the card to try to resolve the issue. They offered to reverse the late fee, but I had to make the minimum payment, which is now a double payment for the month for me, an extra expense that I was not budgeting for. This is the second card on which this has happened in the last month. I will be filing a complaint for the other company as well.…

Personal Statement I believe I have been a victim of identity theft after looking into my identity, I noticed these accounts on my credit report before trying to purchase a vehicle. I am unfamiliar with these accounts. To further avoid any incidents with with my credit i would like to file this report. I have no knowledge of these past accounts and would like to use this police report as reference. Remaining Unauthorize Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROSPER LOAN XXXX XXXX XXXX XXXX XXXX

On XX/XX/XXXX my Prosper marketplace credit card payment was due, I recently changed my auto pay bank information on XX/XX/XXXX I called in on XX/XX/XXXX to make sure my payment was drafted correctly, they told me since I had just changed the bank information that it would not go through until the XXXX payment and asked me to make a payment over the line so that it wouldnt be late I agreed. This morning XX/XX/XXXX I checked my bank account and saw that two payments were posted. I called prosper first they tried to lie to me telling me that I had updated the auto draft in XXXX, which is impossible I opened up the bank account in XXXX and that is why I had changed the information. They played the blame game lied and were unable to help, their resolution was for me to call my bank.

On XX/XX/XXXX, Prosper Marketplace discovered a data breach affecting XXXX XXXX consumers. The California Attorney General confirmed the breach on XX/XX/XXXX. My Social Security number, bank account data, income information, and other personal data were exposed. I was an applicant as shown by adverse action notices from XXXX. I was never notified by XXXX. On XX/XX/XXXX, I discovered the breach through XXXX an independent thirdparty service. I immediately filed complaints with the Colorado Attorney General and with the CFPB ( Complaint # XXXX ). On XX/XX/XXXX, Prosper sent me a marketing email offering a credit card. This email proves XXXX had my active, correct email address ( XXXX ) and used it for commercial purposes. They never used that same address to notify me of the breach. On XX/XX/XXXX, Prosper responded to my CFPB complaint claiming : " Prosper 's investigation confirmed that a notification email was sent to the email address listed in this complaint on XX/XX/XXXX.…

I am writing to formally dispute the following account that is being reported on my credit file I do not recognize this account and I did not open it. I believe this account is the result of identity theft or fraudulent activity.Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you Conduct a full investigation of this account and provide verification that this account was legally opened by me. If you can not provide proof that this account belongs to me, I demand that it be permanently deleted from my credit report immediately. I also request that you block this information from my credit file as inaccurate under Section 605B of the FCRA, as this is a result of identity theft. Please confirm in writing once this account has been removed or corrected.

I recently got approved for prosper credit card a week ago for XXXX. Prosper gives you immediate access of XXXX percent of your credit until your card comes. XXXX day before my card arrives, prosper says I have fraudulent activities on my account and shuts off everything, when I check my account it says passed due and my account is restricted. I dont have a minimum due at this time. I saw a lot of reviews saying prosper shuts off your card for fraud or reason that is unacceptable. I should have looked them up before applying. I talked to reps, the reps keeps saying they are sending notes to fraud to unlock my account. This card is a joke.

My email has history of 7 data breaches involving my personal information. 1. Prosper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

I was under payment and the company stop my payment and send the loan to collection then charge off. I request for removal they violated the federal credit reporting act.

I previously filed a CFPB complaint regarding billing and AutoPay issues on my Prosper account. In its official response, Prosper stated that my credit limit was {$1500.00} and that I was notified via email that AutoPay had been canceled. After the case was closed, I reviewed my account and confirmed that my actual credit limit is {$500.00}, not {$1500.00}. This is a material factual inaccuracy in Prospers response to a federal regulator. Further, I have not received any notice of a decrease in my credit line to explain this discrepancy, which raises concerns about the accuracy of Prospers records and disclosures. Additionally, I requested time-stamped proof of the email Prosper claims was sent regarding AutoPay cancellation. No such documentation has been provided, and I did not receive any notification. Despite this, Prosper relied on this unsupported claim in its response.…

Validation and verification of their legal right to collect. Why is the debt being reported by multiple agencies Texting and emailing XXXX times per week which is a violation that should be resulting in penalties paid to me for abuse

I got and Email from Prosper for a loan offer. I filled it out but it kept timing out. it was appoved but I had to do it again because it timed out. it was appoved again. It then asked for my Bank routing number and account number. i put it in and then it said we have canceled your loan and gave me other offers at other banks. I emailed and asked if this was a scam. the sent this back, XXXX XXXX, Thank you for reaching Prosper. Were sorry your experience with Prosper hasnt been what you expected. After a recent review, we can confirm that your recent application you submitted on XX/XX/year> was canceled, and your account is suspended for 90 days. Prosper provides loan offers based on your credit profile and information received with your application. At this time, weve determined we can not continue to extend your loan offer based on the review of your information. I was not happy they took the bank information and canceled the approved loan. it is misleading.

Someone tried to open a credit card in my name but luckily was not approved.

I am submitting this complaint as a victim of identity theft, financial fraud, and a coordinated scam that resulted in a personal loan being opened in my name without my authorization. In XX/XX/year>, I was contacted by individuals representing what they described as a legitimate government-backed debt forgiveness program. I was told this program was legal, widely used, and required urgent participation due to limited funding. Based on these representations, I believed the process was lawful. Without my knowledge or authorization, a personal installment loan in the amount of {$50000.00} was opened in my name on or about first week of XX/XX/year>. I did not complete any loan application, did not sign any documents physically or electronically. The loan documentation contains materially false information, including employment and income details that are not mine and were never verified with me.…

I have paid off my prosper card and had a XXXX balance, I went to make a purchase on the XXXX of XXXX at XXXX and was unable to. My card continued to decline, I looked on my app it indicated my account was past due but I have no past due balance and my balance was XXXX $! I them called prosper to address the issue and said that I wasnt able to use my card because of an investigation into the account, I asked what investigation and or why would it be being investigated and then I was told they could not provide that information. Very confused as I had no fraudulent activity that I have had issues with on my card and everything being up To date and not receiving a disclosure or clear explanation I asked to be transferred to a supervisor. The supervisor said that I could not use the card because they were completing an investigation when I asked an investigation into what as I had made no complaints ms have not submitted any claim, the supervisor refused any other information.…

I am filing this complaint regarding Prosper Marketplace , Inc. due to repeated and ongoing inaccuracies in the reporting and handling of my loan account, despite my full compliance with all loan terms and the subsequent settlement agreement. Prosper previously misreported my account in XX/XX/XXXX by falsely marking my timely payments as late, which required multiple calls and followups before they finally corrected the error in XXXX. During that period, I also experienced significant inconsistencies with my scheduled payment amounts : on XX/XX/XXXX, I was told my payment should be {$610.00}, only to receive an email days later indicating another discrepancy, and when I called on XX/XX/XXXX, I was informed the payment was actually {$510.00}. My online account frequently displayed conflicting information, and representatives provided vague or contradictory explanations.…

XXXX XXXX XXXX, XXXX, sent me improper documents regarding a debt that I had with Prosper years ago that was already paid off to use as proof of the debt that they are alleging I owe them. I requested a full debt validation in a letter via certified mail, and have not received anything to verify this alleged debt and now although I have not yet been served, they have filed a law suit against me. I found this out by receiving many letters from attorneys advertising their services to help with this lawsuit.

I had a scam loan company tell me I got approved for a XXXX $ loan they just had to send me XXXX $ first and then they would have me send it back to verify I was real and truthful. So I got the money, send it back to them they had me withdrawn cash goto the store and buy a gift card to send it back to them. I sent it back to them and never received the money they said they would send back. Then my bank got charged the money they sent to me like it was never there so now Im negative XXXX $ in my account

I have had many accounts opened, not on my behalf, in different states. I am a victim of identity theft. There are many issues thats unresolved that I cant name them all.

They have asked me to receive money into my account withdraw it then go get a card at stores like XXXX get a card to pay {$500.00} to XXXX for an insurance for if I get sick ect for payment insurance XX/XX/year>

I am filing this complaint regarding the handling of my Prosper personal loan application, which was initiated through XXXX XXXX preapproval system. The loan was advertised with Outstanding Approval Odds and a {$50.00} guarantee, and I was shown a lowinterest offer based on my credit profile at the time. I applied using my mobile device through XXXX XXXX. During the application process, the fee disclosures and full loan terms were not visible or clearly presented on the mobile interface. Before I was able to review or complete the application, Prosper performed a hard credit inquiry. After the hard pull was completed, the loan terms changed significantly : the interest rate increased, additional fees were added, and the final loan amount disbursed was lower than the amount I agreed to. This sequence of events placed me at a disadvantage. I was induced to apply based on XXXX XXXX preapproval and guarantee, but the terms changed only after the hard inquiry was completed.…

The business has me registered with a different email address, as this is not uncommon as many individuals have more than one email address. Attempted to apply for a personal loan with this business utilizing a different email address. The system produced an error during the process, attempted to reach out to the company via email, they requested that I send a copy of my Driver 's License, Social Security Card through unsecure email back to them. This is the same company that had a security breach incident recently. Reluctantly, I submitted the attached information to have my account changed to reflect email address : XXXX XXXX

I am submitting a follow-up regarding XXXX Marketplaces repeated failures to substantiate the disputed account ( XX/XX/year> ). XXXX verified the account without providing requested documentation, including the full account ledger with due, posting, and reversal dates ; internal notes on delinquency determination ; and proper evidence of adherence to the hardship program. XXXX has ignored my prior CFPB complaint ( XXXX ), marking it as duplicate ( PDD ) instead of providing verification. Payment reversals occurred, some under disputed hardship terms, and proper proof is required to validate reporting. XXXX without evidence constitutes an FCRA violation ( XXXX XXXX. XXXX, XXXX ). I demand that XXXX either : ( XXXX ) provide full documentary evidence substantiating the accuracy of all disputed reporting, or ( XXXX ) remove all derogatory reporting related to this account.…

A payment of {$980.00} was paid to Prosper credit card on XX/XX/26 using a debit card to use as available credit. On XX/XX/26, the Prosper app confirmed my available credit as {$900.00} but I was unable to use the card. A call to Prosper confirmed they have an internal policy where there is an automatic 10 day hold on next payment when an initial payment fails as it did on XX/XX/26. They dont have this process in writing after making multiple requests to see it. Their customer service says there is no way to remove hold or refund money and there is no internal process to review or dispute this. Please investigate as I am concerned that this is an example of : * * * Failure to disclose material account restrictions * * * Accepting payment while denying use of funds * * * No written policy governing the hold * * * No escalation or remediation path I'm not disputing the debt. I'm disputing the improper retention of funds It's literally an undisclosed credit restriction.…