Consumer complaint received 2021-10-14
Company: Prosper Marketplace, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
At the end of XXXX and XXXX I attempted to make my payment to Prosper Marketplace. I looked in their website to see if the payment posted and it looked like it had but then it never came out of my account and showed failed payment on their site the next day. I called them and they said it came back as non transactional. I said that it was a basic checking account and we went over account and touting numbers and they had the numbers completely wrong. We tried it again and again the same thing happened. I called them back and this person was very rude and condescending and said to me well you obviously dont have money in your account. I stressed to him that indeed I did and we proceeded to use a different account also with money in it. He said that one worked so I thought we were done. The next day I checked and again it stated that the payment had failed. I called prosper once again and this time I spoke with a girl named XXXX who was very nice. I explained what had been happening and she was surprised the payment would not come out. She and I went over the account numbers again. She said the most recent added account came back as a non able to find account, and the other non transactional. This was the beginning of XXXX. I stressed to her how I would do what it took to make the payment on time because I was trying to refinance my home and could not afford a late payment. I told her I would call my bank and ask why it kept coming back as non transactional. I spoke with the bank and they sent me an email verifying that my checking account was not non transactional and only a savings account would show up like that. I sent that email to prosper. I finally added one more account and transferred money to it and that one finally worked on XX/XX/XXXX, one day past 30 days. They reported my account as delinquent and my credit score dropped over 100 points and I was no longer able to refinance my home. I called Prosper and they said sorry but our team decides that. I said cant you see all the notes beginning in XXXX? He said yes and that he would send a note to the dispute team. The next day my dispute came back as verified. I then tried to dispute it again with XXXX and they said I couldnt because I had already disputed it. So, I am so angry at these people because I did everything in my power to make this payment and it was an obvious error on their part. I have not had any late payments in over 2 years and my XXXX XXXX went from XXXX in XXXX to XXXX. I am so devastated right now I dont even know how to recover from this. I cant even refinance my car so I can pay off all my bills and mostly Prosper. They said my score was way too low now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief