Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Prosper Marketplace, Inc.
State: NV

Complaint narrative:
On XX/XX/year>, I opened a Prosper credit card account ending in XXXX. I never received the physical card in my mailbox, and I never activated it. 

On XX/XX/year>, around midnight, I logged into my Prosper account simply to view my credit line. To my shock, the account was already showing as activated, even though I had never received or activated the card. I immediately locked the account. 

At approximately XXXX XXXX the same morning, I called Prosper and reported the fraud. I explained : I never received the card. 
I live alone and am the only person with a mailbox key. 
I have children who do not access the mail. 
I never added the card to XXXX XXXX, XXXX XXXX, or XXXX. 

The representative told me Prospers system showed attempted use through XXXX XXXX XXXX , which I did not initiate. 

Fraudulent charges appeared on XX/XX/year>, before I had access to any card : XXXX XXXX # XXXX {$400.00} XXXX {$440.00} Total : {$840.00} Both were treated as in-person shopping transactions, which is impossible since I never had the card. 

I immediately called and emailed Prosper multiple times. I sent at least three emails and made three phone calls, but my emails received no response. Each phone call required escalation. On XX/XX/year>, I was told Prospers investigation had concluded the charges were valid because the merchant confirmed them. I was never shown any evidence linking me to these transactions ( such as activation logs, signed receipts, or merchant video footage ). 

Meanwhile, my minimum payment due showed {$68.00}, which included : The {$59.00} annual fee ; and A portion of the fraudulent balance. 

When I called Prosper about this, I was told to just pay the requested amount and that if it was an overpayment, I would be refunded later. I was also told that if the fraudulent balance was reported to the credit bureaus, it would be corrected the next month. Both responses are unacceptable. The Fair Credit Billing Act ( FCBA ) prohibits issuers from requiring consumers to pay disputed charges, and the Fair Credit Reporting Act ( FCRA ) prohibits furnishers from reporting inaccurate information even temporarily.

To be clear : I never received, activated, or used this card. 
My only phone number ( ending in XXXX ) was never used to activate the card. 
I have home camera footage, phone location data, and work records that prove I was not at these locations when the fraud occurred. 
I have filed a USPS Mail Theft Report ( Ref. XXXX ) and am filing a police report on XX/XX/year>. 

This Prosper account is one of three credit cards stolen from my mailbox before delivery. Prosper has not provided me with any investigation documents, activation records, or merchant evidence. Instead, they are treating fraudulent charges as my responsibility and instructing me to pay them.

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