Prosper Reviews

So I hold for a while and hung up the phone! He immediately called me back and I immediately told him I wasn’t interested in the loan and I don’t need it and I don’t want it again! He ask me why I don’t want it. I told him I just don’t want it! He told me, “Ok don’t worry about it and have a nice day” and go ** myself! I told my husband this Asian dude told me to go ** myself when I backed out of what I felt was a complete scam! Wow whoever is behind these scams for this company needs to be behind bars and the company needs to be shut down immediately! PLEASE DON’T GIVE THEM NO BANK INFORMATION! THEY WILL STEAL FROM YOU!

When I called back the NEXT morning to say my account was still in the negative...Jason ** hung up on me because I was upset. Sean ** called me back to say all I had to do was purchase ONLY ONE MORE Google Play card for $50 & I can receive my loan + $895 thru Walmart to Walmart transfer. When I called Paul ** with the card #...he stated it failed to go thru & for me to go back in Walmart to get a replacement card. I called Google & they said the card was activated & funds were removed. I told Paul ** this & he had the NERVE to tell me maybe I’m just having “BAD LUCK” but my loan was approved & the only way they can release it is if I purchased another $50 Google Play card. This whole process has been HORRIBLE. FIVE days later & FIVE Google Play cards totaling over $2000...NO LOAN & my account is still in the NEGATIVE!!!

I feel this is their sneaky way of directing citizens to open their envelope when the citizen probably would not have opened it if their name was present on the envelope, and the envelope did not give the appearance of being something of importance. They make it look like a dun. Like it is a final attempt to collect unpaid funds before progressing to the court system. This is wrong. Just wrong. And, I want my mail carrier to know that I pay my bills on time, and have a 100% on time record with the credit bureaus. Something should be done about businesses who have to stoop so low in order to garner new business. What do you think of this business tactic?

They tried to still get me to take more and I said no and I did the 3-year commitment but with the loan that I got I'll have it paid off faster so after we did the application again I made the representative read back all the information that I gave them to make sure there is no confusion. That went through fine then they sent me the website email and you have to go in there and download like your source of income and all that. I tried that. Some of my stuff did not go through well so what I did was I called in and give me my account number and I faxed everything to them so they could download it to the system and I didn't have an issue with them telling me it could take a couple days to get downloaded to the system.

So then I get a phone call saying I need to get a counter check from my bank. So I went and got that and then they needed to verify my bank account will my policy and my bank is outside lenders are in even any like where my apartment building is when they needed to verify my bank. They had to fax the request to my bank of my bank will send the reply. I cannot request that so the supervisor that I talked to said, “No I'm just going to go ahead and get the loan approved,” and I was like, “Okay but I would prefer that you faxed a request over so when I got the confirmation that my funds were going to be put into my account.”

What happens again but they enter the wrong account number so then I had to call the escalation department and ask them to correct my account number and they did and then they sent me an e-mail and it was updated and then I got a call this evening telling me that, “We updated your information but unfortunately since we had the updated your loan will not be deposited.” It may take up to 5 days for it to get into the system meaning that it will be deposited into my bank account and they verified my account number my routing number again my day you know so I asked, “Am I being charged interest while waiting for this to go through my account,” and they said yes. So I said, “Get a supervisor on the phone.”

So I said, “You need to put a stop to this interest that I'm being charged cuz I haven't received any money and I'm not paying it now.” See this is where I said I think they do this on purpose to try to get extra interest but I'm no stupid fool so if it isn't deposited by next Tuesday I'm going to cancel my account and I've already going to contact the Better Business Bureau. You have two when I went on the Better Business Bureau to see who I would file a complaint. It's in San Francisco so I have to call San Francisco did you your complaint with the Better Business Bureau but the FTC you can also contact them but to me to go through all this paperwork and set up an account and I already have like a Payday and they confirm my date and my interest rate.

I'm sure that my loan will go through but I had to stay on top of them to make sure that all my information remain correct. That's one thing I recommend to anybody. If you apply with them with any loan place but we'll see if my money gets deposited. If it sounds like I don't think it's going to I think they're playing a little game but my thing is I haven't received funds and if they think they're going to get a little bit of Interest money out of me I've already told them that I will get a lawyer and I've also notified my bank. You know I'll no excuse me I will notify my bank of them trying to withdrawal money. That's fraud.

They ask you to go to a Walmart or a Target store and purchase a gift card that has to be loaded with those funds therefore supposedly securing your loan showing that you have good faith in giving back the money, but what you don't know, while they were getting all your personal information i.e. bank account #, routing number name and address etc for the loan, they contact your financial institution claiming to be you, and have various transactions that you have already paid reversed, therefore that money that you think they put in your account is actually your own money. After you have loaded the gift card they ask for all the transaction information of the receipt therefore giving them access to that card, and you are left with no loan and money being scammed from your bank account. Please I ask you do not do business with these people you could be sorry. I was a victim and will not be again.

Well after a complete runaround, the loan was never transferred into my account & I was not able to cancel the payment of the PPI. I was told that they could send the amount to Western Union but I would have to pay the fee, which was over $400 & again that amount could not be taken from loan amount. I explained to them that I did not have it & was not going to allow any more payments to them. I accused them of fraud & the rep hung up on me.

After a week & half & numerous phone calls & emails I was promised the refund of the PPI, but of course I got the complete runaround. They are a complete scam & once they have your info & routing & banking info they will fraudulently log into your online banking & basically steal your identity. They are unethical, immoral, criminals, not legit, & are somehow allowed to continue taking advantage of people in need. Please be aware of PROSPER LOAN SERVICES at prosper.loan.services@gmail.com, Ray **, who is the head loan rep at **, Sean ** & Hugo **... Please be on the lookout & do not fall to their scam... IT WILL RUIN YOUR LIFE & they will sit & laugh at you while they give you a runaround!!!