@outofcredit wrote:
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.
Hmm, I wonder why did just did not say that via e-mail, or there could really be a issue with my app.
However, not having a way to pay over a website or phone app sounds like a headache.
@citymunky wrote:
@outofcredit wrote:
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.
Hmm, I wonder why did just did not say that via e-mail, or there could really be a issue with my app.
However, not having a way to pay over a website or phone app sounds like a headache.
Let me clarify, you can pay over website or phone app. DH payment was being sent by mail as a balance transfer payment from Penfed. Not sure if you initially signed up for autopay during the application process, but that works perfectly fine. I would take what the customer service reps said over the phone with a grain of salt. Since you currently have the physical card I would attempt to activate and test a small charge on it (paypal pay a friend, amazon gift card reload etc) to see if it is actually working. Seeing the "closed" status on the app startled DH as well until we realized the temporary card only had a 10 day expiration date and that the physical card has the real expiration date which updates the app when you activate it. Hope this helps.
Oh, ok because I logged in the Website and phone app and I did not see a payment option. I tend to avoid autopay since I use a "feeder" that I only have a max of $500 in that I used to pay credit. (i.e. I use a CC, when I ready to pay of the balance I transfer funds from main checking to feeder checking to cover pending payments. This way I know I actual amount of funds I have in my main account without waiting for CC payment to process).
By to the Prosper card. I did try to active activated it over the phone since it was not a option on the phone app. I was transfer to a Rep who informed my that they still required my infomation to be send to them. I blocked account info from my bank and sent it so I'll see. If there wasn't a hard pull on TU already, I would have given up by now. However, since its there I'll figure I'll try to continue with them and see.
I'll report back when I hear something.
At least they called you. I have called many times so, and I got the service representative to spill a little bit of details. Basically the issue during my application process was Fraud Dept flagged my account for reason.
"Of course" he could say any more and when I asked to talk to a supervisor, there were "none" available.
I do think it's income related though. I put my gross income on the app, and they might be calculating net income since they link to your bank account.
Just got a email from them, so will see how long it takes.
@citymunky wrote:Just got a email from them, so will see how long it takes.
Better grab a snack and a drink because it might take a while.
They never did locate the BT check DH had sent from Penfed. We requested Penfed to stop payment on the check after 45 days of it not posting to Prosper account. Sent them an email to let them know of the stop payment and they sent email acknowledging our action and indicated they were would mark the issue as "resolved." DH still is using autopay to make his monthly payments. No problems so far with autopay. Will close the account once it is paid in full. Hope you have better luck and service with them.
Just closed my credit card account with Prosper.
12/21 opened with $1200 sl
03/22 card frozen for returned payment. During the application process, I linked to one of my checking accounts via Plaid, an account that I later decided to close. After I received and setup the prosper card, I setup autopay from a different checking account. For some odd reason, after 2 autopayments, Prosper decides to draft my 3rd autopayment from the account I used to verify my income etc through Plaid. That payment was returned "closed account." It took a few days but Prosper finally admited that it was an error on their part.
7/22 I received an alert from Equifax that I was using 89% of my available credit limit with Prosper. After some digging, I discovered that my $1200 limit was reduced to $500 without any notice or warning. Called to speak with customer service and was immediately routed to collections. I then learned that autopayment had been un-enrolled and my account was 3 days past due.
I paid the $400 balance off and closed the card. Not sure what's going on with Prosper or Coastal Community Bank, but i'm over 4 years of a flawless payment history to have this happen to me.
