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Complaints

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

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    Customer Complaints Summary

    • 538 total complaints in the last 3 years.
    • 166 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/14/2024

      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.
      On this day 03/14/2024, I received a past due notification on my Prosper Mastercard provided by *********************** Upon contacting my card provider, I was told I was past due, which is incorrect. I made a $79 payment on 03/1/2024 with a payment due date of the 3rd each month. When checking the Prosper app, it shows a $79 payment made on the 1st and processed on the 3rd. I explained this to the lady to whom I was speaking with, she informed me that the payment was reversed on 03/08/2024, by my bank. Upon hearing this, with the lady on the phone, I checked my bank account and it shows no reversal of payment on the 8th. I crossed reference both accounts and nothing shows as reversed on such date. However, I was assessed a late fee of $29 on 03/09/2024. During our conversation, the lady kept insisting that my bank reversed the payment, to which I explained that that was impossible from what Im seeing on my end and on my account. The lady went on to say that this happens all of the time with customers who have accounts with Prosper. I told her, for as long as I have had this card; I have used the same account, same debit to pay my credit card payments. Nothing has changed. It has never been a problem, until now. With the statement made by the lady from Prosper; this leads me to believe, this is an issue on their end. Now, I cant trust them and am questioning how many times have I been screwed with by them. If necessary, I will escalate this to my States Attorney General and possibly seek legal assistance.

      Business Response

      Date: 03/21/2024

      Dear *****,
       
      Thank you for reaching out to us regarding your concerns.
       
      We are happy to see an agent on 03/14/2024 was able to close your account as requested.
       
      The payment made on 03/01/2024 in the amount of $79 was returned due to insufficient funds and we recommend contacting your bank for more information. The returned payment and late fee of $29 will both reflect on your April 2024 statement.
       
      Once the April 2024 statement is issued, we will be able to waive this fee as a one-time courtesy. Please keep in mind we can only provide one courtesy late fee waiver per calendar year.
       
      Prosper is required to report accurately and we have confirmed your credit reporting is accurate as of March 2024.
       
      We deeply apologize for the confusion and frustration this has caused. If you have any other questions, please feel free to contact us by email at **************************************** or by phone at ************.
       
      Sincerely,
      Prosper Client Services 

      Customer Answer

      Date: 03/22/2024

       
      Complaint: 21434852

      I am rejecting this response because: Prosper has failed to prove with factual and satisfactory evidence, that my payment was returned. At this point Prosper has responded with an its our word against yours. But, has failed to furnish any substantial proof, that payment was returned. From the screenshots Ive provided; it shows no return payment activity on the 8th as stated by Prosper and its respective agent. What Prosper has managed to do, regarding my conversation with their agent; is show me this company is possibly engaged in fraudulent activities and/or negligent handling of their customers accounts. Which is recorded, mind you. I refuse to be a victim or be complicit with the way they conduct business. I will not accept hearsay, or finger pointing, without clear and substantive proof. Anything beyond that, is juvenile and is abhorrent.

      Sincerely,

      ***************************

      Business Response

      Date: 03/26/2024

      Dear *****,

      Thank you for following up with us.

      We take the concerns of our customers seriously and pride ourselves on the quality of our research. Please note that we have received a request for further information via another source and a response will be provided through that channel.

      We deeply apologize for the frustration this experience has caused.

      Sincerely,
      Prosper ****** Services

      Customer Answer

      Date: 03/27/2024

      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. Im no longer going to pursue this. I feel this is just going to keep going back and forth, with no mutual results. 

      Sincerely,

      ***************************
    • Initial Complaint

      Date:03/04/2024

      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 applied for a card in January. I checked my credit report recently and the card is on my credit report yet I never physically received the card or activated it. I called to close the account because I'm not comfortable knowing there is a card with my name floating around somewhere. The gentleman on the line assured me the account was closed now but yet I still had to pay the $39.99 activation fee. I'm not paying that fee because I never received the card, I never activated it and I never used it. There should be no reason for me to pay any fees for a card that was never physically in my possession or activated.

      Business Response

      Date: 03/13/2024

      Dear *****,
       
      Thank you for reaching out to us regarding your concerns.
       
      We are happy to see that you were able to speak with an agent on 02/29/2024 who was able to close your account as requested and apologize that you had not received your credit card within the expected time frame.
       
      We have gone ahead and waived the Annual Fee of $39 that was assessed to the account and the account balance is now $0.
       
      We sincerely apologize for the confusion this has caused. If you have any further questions, please feel free to email us at *************************************** or by giving us a call at **************.

      Sincerely,
      Prosper ****** Services

      Customer Answer

      Date: 03/14/2024

      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:02/29/2024

      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'm writing to address my serious concern about the disclosure of my personal information to credit bureaus, leading to inaccuracies on my credit report. This has resulted in significant financial and emotional distress.As per 15 USC 1681 Section 602, I assert my right to financial privacy and expect my information to be treated confidentially.Additionally, 15 USC 1681 Section 604(a)(2) highlights that a consumer reporting agency cannot share account information without my explicit consent, which I haven't provided.I've identified discrepancies on my credit report related to PROSPER, negatively affecting my financial situation. I urgently request the correction of these inaccuracies.Moreover, I'd like to emphasize 15 USC 1666(b), which prohibits creditors from treating credit card payments as late under certain conditions.For your reference, my account details are as follows:Account Number: **********Account Number: **********I request a thorough review of my account, immediate rectification of credit report inaccuracies, and strict adherence to federal laws governing my information.Failure to address these concerns promptly may result in legal action. Your swift attention to this matter is greatly appreciated.Sincerely,***********************

      Business Response

      Date: 03/06/2024

      Dear ******, 
        
      Thank you for reaching out to us about the credit reporting for your Prosper loan. We deeply apologize for the confusion and frustration this has caused. 
        
      Prosper is required to report accurately and we have confirmed your credit reporting is accurate and current as of January 2024. 
        
      A member of our team has sent an email with additional information regarding the history of your account and how reporting will reflect on your credit profile. If you have any additional questions, we ask that you please respond directly to the email. 
        
      Sincerely, 
      Prosper Client Services 
    • Initial Complaint

      Date:02/28/2024

      Type:Delivery Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On February 22, 2024, I received a pre-approved loan offer via Credit Karma for Prosper. I was pre-approved for $20,000 at *****%, 5 year term loan. They requested a proof income by uploading my 2021 and 2022 tax return and as well as proof of residence by sending my ID and the lease agreement. They denied the loan stating they couldn't proof by income and my residence address. They insisted on having schedule C on the tax documents. I explained to them not everyone files their tax the same. However, the agent had no knowledge. Furthermore, the lease agreement expired and was automatically transferred as a month to month basis. My lease covers internet and all utilities since I live in a condo in which it's covered by the property owner's HOA.If they're still unwilling to move forward with the loan, please have them remove the hard inquiry on my credit report. I strongly feel this is misleading the consumers to believing that the loan was pre-approved also all the information they've requested have been submitted but not sure why it was not approved. I called on February 26, 2023 to file a formal complaint and told me they will get back in ***** hours via email. Never heard from them.

      Business Response

      Date: 03/07/2024

      Dear ******, 

      Thank you for contacting us about your concerns. 

      Prosper is authorized to obtain a credit report to determine eligibility. Eligibility for personal loans depends on the information provided by the applicant on the application form and is subject to additional verification.  

      Eligibility is not guaranteed, and unfortunately, we are unable to extend a loan offer at this time or remove the hard inquiry. We apologize for the confusion and frustration this has caused. 

      Please refer to the Borrower Registration Agreement for more information. This can be found in your online account under 'History' and selecting 'Legal Agreements & Disclosures'.

      If you have any other questions, please let us know at ********************************** or by giving us a call at ************.  
        
      Sincerely,  
      Prosper Client Services   

      Customer Answer

      Date: 03/07/2024

       
      Complaint: 21362190

      I am rejecting this response because:

      I have provided all necessary documents for the company to review including tax documents and lease agreement. This is a bait and switch tactic and no consumers should go through this.


      Sincerely,

      *******************

      Business Response

      Date: 03/13/2024

      Dear ******,

      Thank you for following up with us. 

      After careful review of the documents provided, we are unable to accept them to move forward with the loan application. Unfortunately, this has resulted in a decline.

      We understand this was not the outcome you were expecting, and we sincerely apologize for the frustration this has caused.

      Please be assured we strive to make our application process as transparent as possible and do our best to communicate the necessary information required for review during the application process.  

      While we are unable to extend a loan to you at this time, you may reapply 30 days after 02/22/2024. 

      Sincerely,
      Prosper Client Services 

      Customer Answer

      Date: 03/13/2024

       
      Complaint: 21362190

      I am rejecting this response because:

      I am not interested in moving forward with the loan anyway. However, the company must remove the hard inquiries on my credit report for false advertising and misleading the consumer to believe that the loan was pre-approved. This is clearly a bait and switch tactic used by this company and Id like to also inform FTC separately regarding this matter. Instead of the using pre-approved, the company needs to correct to pre-selected by not misleading the consumers.

      Sincerely,

      *******************
    • Initial Complaint

      Date:02/26/2024

      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 address the distressing discovery that you have been sharing my nonpublic information with credit bureaus, resulting in inaccurate reporting on my credit profile. This violates my privacy rights under 15 USC 1681 section 602 and 15 USC 1681 Section 604 A Section 2, which mandates written consent for such actions.Your inaccurate reporting, including incorrectly labeling timely payments as late, has caused significant financial and emotional distress. I demand immediate corrective action and cessation of unauthorized information sharing. I also seek compensation for damages incurred.Please rectify this matter promptly. My account number is *******

      Business Response

      Date: 03/05/2024

      Dear *********,

      Thank you for reaching out to us about the credit reporting for your Prosper loan. We deeply apologize for the confusion and frustration this has caused.

      Prosper is required to report accurately and we have confirmed your credit reporting is accurate as of February 2024.

      Prosper reports all payment history information to the credit bureaus once each calendar month. It may still take another ***** days from the date we send your information over, for your account information to reflect on your credit profile.

      A member of our team has sent an email with additional information regarding the history of your account and how reporting will reflect on your credit profile. If you have any additional questions, we ask that you please respond directly to the email.

      Sincerely,
      Prosper ****** Services
    • Initial Complaint

      Date:02/24/2024

      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.
      To the appropriate department . An inquiry on behalf of propser was made on my account yesterday. Please note this needs to be removed immediately on my account and credit inquiries as my account was falsely applied with without consent .Please note I would like to know if a lawyer needs to be contacted regarding this matter Kind regards, ***********************

      Business Response

      Date: 02/28/2024

      Dear *****,

      Thank you for reaching out to us regarding your concern.

      The email you received was sent from Prosper in response to a loan request submitted in your name, which may have come through one of Prosper's partner websites. No hard inquiry was incurred on your credit profile, and no loan has originated.

      If you believe you may be at risk of identity theft, we suggest that you contact each of the three major credit reporting agencies for assistance. We have provided the names and addresses of all three agencies for your convenience. Each agency can provide you with specific instructions.

      Experian
      ************
      P.O. Box 9530
      *****, ** 75013

      TransUnion
      ************
      P.O. Box 2000
      *****************

      Equifax
      **************
      P.O. Box 105788
      *******, ** 30348

      Sincerely,
      Prosper Client Services

    • Initial Complaint

      Date:02/20/2024

      Type:Customer Service Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I get an email from prosper inviting to get a loan. Ive been looking to consolidate my credit cards. I get to the screen to check my rate and Im approved. I give all my information and what was required to get the loan. I submitted the loan thinking that if the business tells you that you are approved, logic dictates approved is approved. I think 95% of people would have been ****** about the time they wasted. approved +. approved = APPROVED. Im not upset about the disapproved request. Another business with better rates approved my loan. I hate wasting my time and energy. After reading complaint after complaint, makes me wonder if this is their standard operating procedure. I can tell Prosper right now that a hard inquiry needs to be removed or not reported in the first place. Seems like a bait and switch company. I would guess and say 10 times out of 10 times Prosper gets your information for free, denies request which reduces the risk of lending and losing money because of slow return payments and charge offs, and they could turn around and sell your information which has 0 loss. I willing to bet this may be their way of doing business. My doctors office has a link to apply for a loan from Prosper for expensive medical procedures, Im going to ask him if hes had any of his patients ever offer reviews about prosper and their business practice. Ill talk to some of my active military friends and my veteran friends at VA hospital I will tell them my experience. I knew after they canceled my loan and I called customer service. First thing I hear is a customer service representative ask How can I you help you I immediately knew nothing would be explained to me and thoroughly looking deeper to find an answer, if its not on the script everything would be a waste of my breath. Prosper, how about making sure a hard inquiry doesnt appear on any of my credit reports. I revoke all my consent from Prosper using or selling any of my information.

      Business Response

      Date: 02/28/2024

      Dear *****, 
       
      Thank you for reaching out to us regarding your concerns and we apologize for the confusion and frustration this has caused.
       
      Prosper extends pre-approval invitations to individuals who match certain eligibility factors. Eligibility for personal loans is not guaranteed and unfortunately, we have determined we cannot continue to extend a loan offer to you at this time.
       
      Please refer to your Adverse Action Letter for more details on why your application was declined. 
       
      We are happy to inform you that we have taken the necessary steps to remove the hard inquiry. Please allow ***** days for this change to reflect on your credit profile. You may re-apply 90 days from 02/19/2024.
       
      If you have any other questions, please let us know at ********************************** or by giving us a call at ************.
       
      Sincerely,
      Prosper ****** Services

      Customer Answer

      Date: 03/06/2024

       
      Complaint: 21317800

      I am rejecting this response because: this happens to a large amount of people who request a loan.  Your business practices need to change.  You must inform the person better that the initial response needs to clearly at the beginning of the pre-approval that a hard credit check and the consumer still may be declined.  The way the process is starts and all the way to finish does not present the process clear enough.  If you mane your process cleared, you wouldnt receive so many bad responses.  If you change and explain clearer, I will completely remove my complaint.

      Sincerely,

      *********************

      Business Response

      Date: 03/11/2024

      Dear *****, 

      Thank you for following up with us.  

      Unfortunately, we were unable to continue with the loan process. An update has been submitted to the credit bureau to have the hard inquiry you incurred removed. Please allow 30 - 60 days for this to reflect on your credit profile. 

      The account is currently suspended, but you may apply again 90 days from 02/19/2024. 

      We appreciate you taking the time to share your experience with us and deeply apologize for the confusion and frustration this has caused. 

      Sincerely, 
      Prosper Client Services 
    • Initial Complaint

      Date:02/14/2024

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I received a pre-approval in the mail with an invitation to apply for a personal loan and check rates without a negative impact to my score. I checked rates applied and received an email with a loan approval and a request to log in and accept the loan. I did so, chose my repayment option, signed the truth in lending disclosure and connected my bank information through Plaid for autopay. After they received my bank account information I received an email stating my account was suspended. Then another email saying that I could log in to see why my loan was NOT approved. Now they have my banking information for no reason and I feel that I need to close my account for risk of fraud. Bad business practice

      Business Response

      Date: 02/21/2024

      Dear *****,

      Thank you for contacting us regarding this matter. We apologize for any frustration.

      Prosper examines additional data points made available via the application, and, upon review, we are unable to provide a loan offer at this time.

      We are currently in the process of removing the hard inquiry that was incurred.

      If you have further questions, feel free to reach us by email at ********************************** or by calling our *************************** at **************.??

      Sincerely,
      Prosper ****** Services
    • Initial Complaint

      Date:02/14/2024

      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.
      According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission According to 15 USC 1681 have the right to privacy According to 15 USC 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate .(B) Reporting information after notice and confirmation of errors According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.(B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. The credit bureaus have no respect for the laws.Someone needs to hold them accountable for this.The credit bureaus keep disrespecting the law . I have showed them multiple times how they are violating the FAIR CREDIT REPORTING ACT .Name: PROSPER MARKETPLACE IN Amount:$12451 Date:8/31/2022 Acct#*******

      Business Response

      Date: 02/20/2024

      Hi *****,

      Thank you for following up with us regarding your concerns.

      In order for us to further investigate, additional information is required, and we ask that you please refer back to the requests we sent for additional information on 11/20/2023,12/18/2023, and 01/02/2024.

      Once we have the requested documentation, we can further review.

      We apologize for any confusion or frustration this has caused.

      If you have further questions, feel free to reach us by email at ********************************** or by calling **************.

      Sincerely,
      Prosper Client Services

    • Initial Complaint

      Date:02/08/2024

      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.
      In November 2023 I was at work and my credit card was charged for 7 transactions in different cities. I filed with their fraud department to dispute the charges. I was later notified that the investigation had stopped because someone at prosper (not in the fraud ****** decided I was responsible for the charges. I next opened an appeal because I was at work in a different city from the charges and no one else had the card. I never heard from the company until I called to get an update. I was told that it was resolved and I had been found responsible. I asked how to appeal again and was put through the same process.While this was happening, the provisional credit was removed in December 2023. Not waning my credit destroyed, I decided I'd just have to live with their decision. However, in January **** I was charged again for the same 7 charges. I called to say I had now been double charged. This company then opened a new investigation about the double charges that they posted.It is now February and I am still calling them (no calls from them) to get an update and resolution on this matter.I have explained to them that in November the charge with the provisional credit would equal zero. So the December re charge gave me the balance back to the original and the re re charge in January gave me a double balance.

      Business Response

      Date: 02/16/2024

      Dear ***,
       
      Thank you for reaching out to us regarding your concern and we deeply apologize for the confusion and frustration this has caused.
       
      We found an opportunity for improvement as your account was being worked. We have raised this observation with leadership to prevent other instances from occurring in the future.
       
      As of 02/13/2024, credits have been posted to the account to correct the re-billing that occurred on 01/19/2024. 
       
      If you have any other questions, please email us at *************************************** or call us at ************.
       
      Sincerely,
      Prosper ****** Services

      Business Response

      Date: 02/16/2024

      Dear ***,
       
      Thank you for reaching out to us regarding your concern and we deeply apologize for the confusion and frustration this has caused.
       
      We found an opportunity for improvement as your account was being worked. We have raised this observation with leadership to prevent other instances from occurring in the future.
       
      As of 02/13/2024, credits have been posted to the account to correct the re-billing that occurred on 01/19/2024. 
       
      If you have any other questions, please email us at *************************************** or call us at ************.
       
      Sincerely,
      Prosper ****** Services

      Customer Answer

      Date: 02/16/2024

      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,

      ***************

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