Hello All,
During my app speed late last month I decided to apply for the Prosper Card, after seeing my approval odds were very good on one of credit monitoring/ budgeting phone apps that I use.
With ok reviews, I decided to see I can get pre-approved on their website, which I was. So I decided to apply, they asked to link my bank account and I was hit with a hard pull from TU but was approved for a CL of $1,900.
Afterwards I downloaded the phone app, set up my account and waited for the card in the mail. After waiting over 10 days, I decided to open the phone app and lock the card but the card closed.
The next day I called there customer service (waited 30 minutes), and asked what going on. I was told I needed to sent in documents to their customer support email.
So I emailed their customer support on Jan 31st about the closed card. I received a response the same day stating there was a "issue with the application review process", and they need a copy of bank statement and ID.
I rely with asking questions on who would be directly receiving my information and how long they plan on retaining my info, as I don't feel comfortable just sent my bank statement and ID to a genetic customer support email address.
I have sent follow up emails on both February 2nd and February 7th with no real response. During the all of this I have received the physical card in the mail already, but at this point I'm not even sure I want card anymore. If I having sure a hard time getting a hold of someone that actually has a answer, I can't imagine if I have a real issue arise what would the response be from customer service.
I'm just a little ticked off because now stuck with Hard Pull on my CR for a account that I can't use. And if they report the account open than closed next month I'm not going to be a happy camper.
Edit: I forgot to add, ad of today I still haven't received any letter in the mail explaining want is going on either.
Not that I noticed, I had to link my bank account with Plaid before approval, so it doesn't make sense.
@citymunky wrote:Hello All,
During my app speed late last month I decided to apply for the Prosper Card, after seeing my approval odds were very good on one of credit monitoring/ budgeting phone apps that I use.
With ok reviews, I decided to see I can get pre-approved on their website, which I was. So I decided to apply, they asked to link my bank account and I was hit with a hard pull from TU but was approved for a CL of $1,900.
Afterwards I downloaded the phone app, set up my account and waited for the card in the mail. After waiting over 10 days, I decided to open the phone app and lock the card but the card closed.
The next day I called there customer service (waited 30 minutes), and asked what going on. I was told I needed to sent in documents to their customer support email.
So I emailed their customer support on Jan 31st about the closed card. I received a response the same day stating there was a "issue with the application review process", and they need a copy of bank statement and ID.
I rely with asking questions on who would be directly receiving my information and how long they plan on retaining my info, as I don't feel comfortable just sent my bank statement and ID to a genetic customer support email address.
I have sent follow up emails on both February 2nd and February 7th with no real response. During the all of this I have received the physical card in the mail already, but at this point I'm not even sure I want card anymore. If I having sure a hard time getting a hold of someone that actually has a answer, I can't imagine if I have a real issue arise what would the response be from customer service.
I'm just a little ticked off because now stuck with Hard Pull on my CR for a account that I can't use. And if they report the account open than closed next month I'm not going to be a happy camper.
Edit: I forgot to add, ad of today I still haven't received any letter in the mail explaining want is going on either.
My DH has the Prosper Card. First off, upon approval Prosper issued a temporary card number via the app for immediate use. After 10 days the temporary card showed as "closed" in the app as it's expiration date was listed as 10 days from date of approval. Once the physical card was received and activated it replaced the temporary card in the wallet with an extended expiration date. Prosper is difficult to contact via phone, email etc. This do not process payments in house so mailed payments take forever to post. Currently, my DH is in the process of tracking down a payment to them that was done via a balance transfer from Penfed. I was initiated on 01/18/22 and as of today Penfed says the mailed check hasn't been cashed. DH intends to close the account once this is sorted out. Not worth the stress or trouble considering customer service is almost none existent on their end.
@pcmedic2k wrote:Are you sure there was no mention during the application that this documentation would be required within xx number of days? If you do not want to provide the documentation they are now requesting to reopen the account, then your only option may be to dispute the Hard Pull with TU to at least get that removed from your report.
No, that doesn't work. The application for credit was legitimate, thus the pull was legitimate. Legitimate pulls can't be disputed off, even if the card's customer service is lackluster/nonexistent.
