Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
ATTN : PLEASE FLAG FOR REGULATORY ACTION AND LIKELY CLASS OF AFFECTED CONSUMERS. 

1. Prosper Card is the most horrible and evil credit card company that has ever existed. 

2. I have had a credit card with Prosper Card since around XX/XX/XXXX. 

3. When I signed up, I had a mailing address that was a street address on XXXX XXXX XXXX XXXX XXXX XXXX 

4. On or around XX/XX/XXXX, my mailing address was updated to XXXX XXXX XXXX XXXX XXXX XXXX ( Please see the attached document. ) Prosper Card allowed this change and started printing my statements with that address, continuing to do so for over a year. 

5. On or around XX/XX/XXXX, Prosper Card, without my authorization, changed my mailing address to an old mailing address where I no longer live, a street address, on XXXX XXXX XXXX XXXX XXXX. ( Please see the attached document. ) It is not clear how they even got the address ( perhaps from a credit report as a former address )! 

6. I went on the App and was presented with a pop up box to " confirm '' my address and phone number - being presented with options. For my address, *I selected* my P., O. Box that was already on file. However, without my authorization, and in contradiction of my selected wishes, the company intentionally decided to use my former, invalid street address. 

7. On or around XX/XX/XXXX, I requested a supervisor to change my address bank to the XXXX XXXX and they refused, saying they no longer allowed XXXX XXXX XXXX to be used. When I said I never authorized the change to begin with, they said it didn't matter and they could not change my address back to the XXXX XXXX XXXX 

8.For approximately three months now, they have been sending my statements and other correspondence to an invalid address that I did not authorize them to have or use, exposing my private information to the people now living there and potentially exposing me to identity theft. 

9. Today, I spoke with a manager named XXXX, a liar with poor XXXX proficiency I asked him to confirm his awareness that I used to have a XXXX XXXX on file. He said he could not. I asked him to look at my prior statements. He said he could not see an address - later revealing he could only see a summary of the statements ( *transactions ) but not the address. I emailed him a copy of the PDF statement showing I used to have a XXXX XXXX XXXX file. ( please see attached - XXXX XXXX statement ) - how ridiculous I have to email them the statement that they generated. He said, like the previous supervisor, again, that they could not change my address back to the XXXX XXXX XXXX I asked how the address was changed without my authorization and he refused to say. I asked for the corporate office phone number or to speak with them and he refused. He insisted there is a US federal regulation that prohibits them from mailing to a XXXX XXXX XXXX He is clearly a liar because I have numerous other bank accounts and credit cards that continue to use the XXXX XXXX and there is no way they are all violating the law. I asked hi to provide the regulation number and he refused. After a lengthy and difficult struggle, I got him to create a ticket requesting a call from the corporate office and legal department. He and thus the company are aware that they are violating my privacy rights, harming me by exposing my private information to strangers at an address that isn't mine, subjecting me to identity theft, and doing without my ever having authorized them to add or use that address. I am considering litigation and any and all other appropriate legal action. I asked him to stop sending mail to an address that isn't mine and he refused. I think it's amazing that he blames the federal government for all this by falsely claiming the existence of a nonexistent XXXX XXXX prohibition regulation. 

10. With their new XXXX XXXX XXXX policy, the company is discriminating against people who travel for work, who stay in XXXX that do not offer the ability to receive mail. Upon information and belief, they are being classist and XXXX ; or, alternatively, they want it to be easier to serve people with lawsuits ( at a street address ). 

11. Even if they wanted to have this problematic policy for new customers, they had no right to impose this upon prior customers. XXXX said they would close the account of customers who did not provide a new address. Well I would have been fine with that because I had already closed the account because they are such an evil, horrible company- but they had no right to unilaterally change my address to an invalid address without my permission simply because it was a street address. They are beyond the pale and out of control.

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 explanation