Prosper

I got turned down for a loan by Prosper and I have to say I wonder if they are just here to take down my information and not give out a loan. I don't know, but I would like to hear if others actually do get a loan from this company. My credit is very good and I wanted to just lower my rate on my credit card and it should have been a simple process. Rather than going with Prosper, I just did debt consolidation using a different credit card---problem solved.

Terrible company to deal with when it comes to credit card accounts! I set applied, got my card, activated it, & then used it to make one purchase which involved paying for putting my dog to sleep. Afterward, I web to their website to set up my account so I could pay my bill & keep an eye on my card, then is when the trouble began.

Setting up the online account access was a nightmare. I set it up, then kept getting a message saying my password was wrong when I tried logging in. I finally got it settled and paid a payment & thought everything was good.

A few day later, I tried to use my card & it was declined! I called their customer service department, which is somewhere overseas, & was told that my account was restricted because there was a question about my ID. They had me give them my information, including my social security number, & told me my social security number didn't match what they had on file!

Next, I was told to EMAIL them a copy of my social security card via unsecured email! I told them I wouldn't do that, because that isn't a safe method to send such sensitive information, & I asked if I could fax a copy or it or upload a copy of it via their website. I was told no. I asked if there was an address I could mail it to & I was told NO.

So I went to the BBB & opened up a complaint about the situation & the company responded with a mailing address that I could sent my information to. I sent that via USPS Priority Mail & I know it was delivered 8/10/22, but when I called them today on 8/22/22, I was told they still hadn't gotten my information! I was told it take 10 business days to process such a request & to call back in two days.

It has been three months now, trying to get this problem resolved. When you call customer service, you reach a call center overseas & the CSRs speak poor English. It is very hard to understand what they are saying & they are extremely unhelpful. They only read from their scripts & can't do anything else. They say their 'internal team' is working on the problem, but there is no way to contact this 'internal team'. If you email their customer service department, all you get is an automated response saying someone will contact you within 24 hours, but no one does.

I do NOT recommend getting a credit card from this company, you will regret it. From reading online reviews, I see my problem is not uncommon with this company. Stay clear of them!