Prosper: most-reported complaints
Automated analysis of 344 public Trustpilot reviews published 2026-03-11 to 2026-09-23. TrustScore 4.5 from 14,682 total reviews — see the Trustpilot page. Quick answer: is Prosper legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report that support staff are unhelpful, accounting for 28% of the 69 complaints identified in 344 reviews. Billing errors and other unspecified issues are the next most common concerns, each cited in 22% of the complaints. Overcharging is reported less frequently, representing 10% of the total complaints. Trends indicate that reports of unhelpful support and other issues are rising, while billing errors and overcharging are falling.
How to reach Prosper
These are the contact details Prosper publishes on its Trustpilot profile, as of our last check on 2026-09-23 — phone (866) 615-6319, email [email protected], address 221 Main Street, San Francisco, 94105, US.
The company claimed its Trustpilot profile on 2015-08-27, uses Trustpilot’s paid features, and uses Trustpilot’s AI-assisted replies. Trustpilot ranks it 167 of 247 in Non-Bank Financial Service. We last checked this profile on 2026-09-23 and found 6 new reviews. These are facts Trustpilot publishes about the profile, as of our last harvest.
TrustScore over time
4.5 → 4.5 across 12 census measurements since 2026-08-17. Our own record, independent of Trustpilot’s display.
Reply behaviour over time
Solid: % of negative reviews replied to. Dashed: typical days to reply. Both as reported on this company’s Trustpilot profile, recorded whenever our census re-checked it and a figure had changed — the gaps between points are not equal: 2026-08-17 (0%, 0.0d) · 2026-08-24 (0%, 0.0d) · 2026-08-27 (0%, 0.0d) · 2026-09-01 (0%, 0.0d) · 2026-09-04 (0%, 0.0d) · 2026-09-07 (0%, 0.0d) · 2026-09-11 (0%, 0.0d) · 2026-09-14 (0%, 0.0d) · 2026-09-17 (0%, 0.0d) · 2026-09-20 (0%, 0.0d) · 2026-09-23 (0%, 0.0d).
Severity: 35% of this company’s 69 graded complaints were classified as severe (money lost, an essential service cut off, or a problem unresolved for months). See the harm index.
1★ share of negative reviews over time
Share of 1–3★ Trustpilot reviews that were 1★
In May 2024, 30% of 10 one-to-three-star reviews were 1★; in August 2026, 67% of 15.
Counted from May 2024 onward — the period for which our capture of 1★, 2★ and 3★ reviews is complete for all three. Months with fewer than 10 such reviews are omitted.
Reviewers here waited a median of 1.1 days between the experience and publishing their negative review (338 reviews record both dates).
What their policy promises
guarantee: 10.46%
“earn industry-leading 10.46%1 tax deferred returns.”
guarantee: tax-deferred or tax-free
“returns grow faster tax-deferred with the Traditional IRA, and tax-free with a Roth IRA;”
guarantee: paid by Prosper.com
“all fees for accounts with balances of at least $10,000 are paid by Prosper.com2;”
guarantee: Automated Quick Invest tool
“Prosper.com’s Automated Quick Invest tool reinvests earnings so that returns compound over time;”
Quoted verbatim from the company’s own published policy (source page); complaint counts are census classifications. As of 2026-09-16.
Policy-page monitoring
We monitor this company’s published policy page for changes. 1 change detected since we started watching on 2026-09-01:
- 2026-09-15: +2/-2 lines; added: How to Budget Irregular Income; removed: Safeguarding Your Finances Online: A Multi-Generational Guide (snapshot)
Automated change detection on the company’s own published policy page — a record of when the page changed, not a judgement on what changed.
Review provenance: 270 company-invited reviews in the recent window average 4.93★, while 45 organic (uninvited) reviews average 1.51★.
53% of its 262 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: support unhelpful makes up 28% of this company’s complaints vs a 28% median across 169 ranked companies in its sector.
Review velocity: 965 of this company’s 14,682 Trustpilot reviews (7%) were written in the last 12 months.
What are the most common complaints about Prosper?
Support unhelpful
19 reports · 28% of complaintsrising since 2026-08“Asked to speak tk a supervisor, and he HUNG UP ON ME!”
1 reader marked this review helpful on Trustpilot.
“They responded minimizing the issue”
1 reader marked this review helpful on Trustpilot.
“formally dispute an error regarding a payment made to payoff my personal loan”
1 reader marked this review helpful on Trustpilot.
Billing errors
15 reports · 22% of complaintsfalling“formally dispute an error regarding a payment made to payoff my personal loan”
1 reader marked this review helpful on Trustpilot.
“they let 26 dollars ruin my credit and they charged me 200 dollars in late fees”
1 reader marked this review helpful on Trustpilot.
“illicitly taken funds from my account, claiming the autopay was set to balance instead of the minimum due”
1 reader marked this review helpful on Trustpilot.
Other
15 reports · 22% of complaintsrising since 2026-08“I was told I was getting a loan from prosperfunding llc, but instead they sent me 6 bad checks”
1 reader marked this review helpful on Trustpilot.
“Interest is way to high. I don't pay yearly fees.”
1 reader marked this review helpful on Trustpilot.
“your investment is gone”
Overcharging
7 reports · 10% of complaintsfalling“illicitly taken funds from my account, claiming the autopay was set to balance instead of the minimum due”
1 reader marked this review helpful on Trustpilot.
“they tanked my credit limit which made my credit score go even lower and they charge annually”
“Origination fees are outrageous!!!”
Account/app problems
7 reports · 10% of complaintsfalling“They reduced my limit from 2800 to 900 to manipulate my credit score.”
“I can’t get my bank verified because it doesn’t recognize my phone number.!”
“My dashboard still said I needed to "add and verify" my bank account even though the dashboard clearly showed that the bank account was already linked”
Aggressive collections
7 reports · 10% of complaintsrising since 2026-08“they let 26 dollars ruin my credit and they charged me 200 dollars in late fees”
1 reader marked this review helpful on Trustpilot.
“My payment was late just 2 hrs and they transferred everything to law firm”
“They play with your credit worthiness even if you pay down your balance”
Compare Prosper with…
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-23.