Prosper Learning reviews and complaints

how did prosper get your phone number and name?

I wish I had read these complaints prior to being sucked in by them as well. I did not pay the large sum that you did but at the same time I did not get the same service either. For just under $3, 000 I only got 2 coaching call sessions. When I tried to get a refund I was told emphatically NO. When I said I felt that much money for 2 sessions was outrageous, they listed all the people who had to be paid to make these two sessions happen. Apparently everyone except the janitor got a piece of the pie. It is true that they did not lie; however, the pitch they give and the service rendered are miles apart. No need to rehash others complaints but just want everyone to beware. Hope this saves at least one person from having to max out a credit card and pay a monthly fee for the remainder of the amount to be financed.

how did prosper get your name and phone number?

I totally agreed with you. I signed up for Prosper Learning and paid over $10000 plus additional thousands paid to other companies they are associated with. I am trying to get some ways of making this issue public so that other people won't fall into this trap. I paid Wholesale Match $1000, and their website is gone. I paid $4000 so far to Nationwide and Taxsentry and they are still deducting money from my credit card because they are not canceling my account. I have to say they don't know what professionalism is and they only care about how much money they can squeeze out of you.

Nationwide persuaded me to register my company as a LLC even though I told them that I am importing goods from oversea and they said "it doesn't matter". It turned out that it really matters. Anyway, I am still in the process of getting my refund. If not, I am hoping to gather more people to speak out about Prosper and the affiliating companies.

Dior Lau
From BC Canada

Prosper are listed with [redacted] declaring that they are legit and has their approval. Any student of any program should have the right and liberty to leave because of any number of circumstances. There are other programs out on the internet that offers the same Affiliate programs that Prospering.com have - but all for totally free! No one should be obligated to them! Prospering.com are certainly very pushy and downright unable to give people the freedom to leave their program. It certainly is a bully tactic by force for them so say that they are not going to refund you, nor will they stop payments from peoples' credit cards even if they want to leave. Propering.com will take money away from you, regardless whether you do the program or not! If you don't comply within their terms, then they will forward your account to debt collectors to force you to pay up their fee. What a joke! Their fee to make you do their program or not? What's going on? Biggest mistake was to sign up with prospering.com. TOTAL SHAM! AND A COMPLETE DISAPPOINTMENT!

How can we start a class action lawsuit against Prosper I am in the same boat and am still out $7, 000? I will enter into the a class action lawsuit if given the opportunity!

your coach will tell you to go sign up for a service on another web site, it will be someone with in there company and they will try to get you to give them more money from your credit card, these so called Affiliates are mislabled as companies but are actually from prosper and/or representing prosper and they will have your credit card info . in there hands. these web sites are owned by prosper or there employees. Don't let them take any more money from your credit cards, the services they offer are a scam anyway.. Like you will find all over the net, most of what they teach you is free and the service they want you to purchase is way over charged or another scam. Hell Brian Bollard tried to get me to purchase a web site through there host Megellan.commernce.com instead of getting your own domain name and host, he told me that he couldn't move it to my own host and domin that I had already purchased, he said I would have to hire a professional which leads to the lying sales reps that say there coaches are experenced professionals. These are professional scam artist and Karma does exsit

There is a couple who said they are hring a lawyer to try retrieve their money back. I think we should ALL joined them, not only to hlep defray costs but to just show how many people they ripped off.

I finally am trying to do something instead of just stewing about it. I will start with the Credit card company first, then call the Utah Attorney General, the BBB, and as many congressmen from their state as necessary to put pressure on them to refund our money!

02/21/2011 I to am in the prosess of getting a " PROSPER CERTIFICATE OF STUPIDITY" I started out with the $100 packet sent online just to find out what it is all about, will I played the tutorials of testemonies one after another after another looking into a hipnotic screen instead of there faces will I could only get through a few of them and planned to ask for the full refund .I had sent in that survey complaining how robert allan keeps trying to sell you book after book up to $ 500 dollars worth and all I have seen are testemonials, and how I havent made a dime yet. And by the way I"m a miser most of the time. so the hundred dollars starts poping up in my mind and I need to act on it.
Before I could " HERES THE PHONE CALL FROM DANNY" I know feel they read my complaints and really went after me, and of cource the same tactics were used credit card limit, goals, what I wanted in life, how much money I wanted to make and so on well he told me how much it would cost 10, 000 and up and that money means nothing to them its to get me commited to do the program and to get past the fear which is why most people don't get past there day jobs, you have to invest a lot to make a lot and I don't have to put up a dime let the bank do it.
OK he had my interest yea let the bank fund it and I will finally get to see what this is all about, and in the back of my mind I told myself if it 's a scam I just won't pay the bank and ruin my credit oh will I never really ever used my credit.
will the next night I was double teamed with dannies higher up NICK they new they had me about 50 50 yea or nay but I was in a bad frame of mind about my girlfriend and was more like 5150{number term for insane} so they had me believing they could make me rich, why else could they be so bold and want to put $8, 000 on credit card and 2, 000 finaince, I was on the phone with them for 4-5 hours I did not want to do it how could I nick was making me feel as to how can you pass this up and there moving on to another city tommorow. OH there were so many red lights but I was colour blind and 5150, there were long periods of silence nick new not to talk to much or the spell from the hipnotic testimonials would be broken. "CAN NOT EXPLAIN WHY I SIGHNED WITH A THREE DAY NOTICE TO CHANGE MY MIND BUT I DID".
I JUST HAD TO FIND OUT IF ITS TRUE . False unless your smarter than the average, Hey I got a coaching session in half an hour, I managed to get a websight for 39.99 a month, domain name for$7 dollars a year and my blessed LLC for 800 hundred a year cause I live in california, and I need my merchant account any where from 200 to 400 one time payment plus there share for every sell. check it out at www.securityknives.com you can' t purchase anything cause I'm to cheap to get my merchant account activated.
Now I ask how much more it will cost me nick scudled the answer about 200 more .
Come on prosper be up front just tell me what I found out the worst way your my "MENTOR FOR GOD SAKE".
Dont worry my coach allways calls late he knows more than I do soI am not going to mention his name .
my Email is wwhcnert@verizon .net I am trying to make a dollar or two but fifties keep leaving.I will post again
I have several plans and yes I am commited to my 10, 000 but IT might not be enough.remember check my sight out at http//securityknives.com if you want to purchase a product out of pity contact me to set my merchant account up. ITS BEEN FUN GOTTA KEEP A SINCE OF HUMOR THANKS IF YOUR STILL WITH ME.

How the scam works:

Prosper obtains contracts from various vendors (Real Estate Investing, E-Commerce, Stock Market Investing, Entrepreneurship & Personal Finance) for the right to sell their educational products. They also let the vendors know that they will be contacting buyers and present them with their own coaching program.

After you purchase the vendors information, Prosper contacts you, not as Prosper Learning, but as that vendor's success team. They then state that they are looking for a few select motivated individuals to obtain success stories. The wording is stated in such a way that it infers that the program will be free.

When you talk to them, they will constantly refer back to the vendor and implying that they will coach you on the methods you have just purchased.

If you are impressed with the vendors information, it is a simple matter of just continuing to let you know that they are an educational provider for that vendor. That infers that they will be teaching you that program.

At this point, your guard is down. The promises are made and the transaction takes place.

After agreeing to thousands of dollars and going through the so-called mentoring program, you find out that it did not even cover one-tenth of the information contained in the vendor's product that probably cost less than $100.

The coaches/mentors are merely trainers that stick to the pitiful training manual supplied to you and will not go off topic. They are only interested in how well you understood the basic information that comes from the training manual.
They will not give you any advice or review any of your work.

This type of sales tactic is fraudulent and is covered under Section 5 of the FTC Act – "Unfair or Deceptive Acts or Practices". The FTC's legal branch has the authority to rescind a contract.

We will all need to file a complaint for the FTC to take action. Please pass this information on to as many websites as possible.

https://www.ftccomplaintassistant.gov/

PROSPER LEARNING SCAM

You are most likely reading this because you have:

1. Been approached by Prosper Learning
2. Ran across it searching the web
3. Just signed up and learned the name of Prosper Learning
4. You’ve been burned by Prosper Learning

It’s a real shame that Prosper Learning doesn’t read some of the educational material that they are selling. But I guess they’re too busy scamming people using a bait and switch approach to obtain your hard earned money and credit. They spend a majority of their efforts conning people into sign binding contracts and then work hard at not giving any money back. Successful and honest businesses don’t need to do this!

You are basically paying for someone to read a book to you and using a net meeting type of website to show you how to click through the websites contained in the book. If you already know or have experience in the subject matter, you won’t learn much and the coaching or mentoring is non-existent. If you are new to the subject, I won’t recommend it if it were free because you will be lead in the wrong direction and have the chance to lose more money.

By the way, their 100% satisfaction guarantee is to give you another coach to read the book to you again – don’t expect anything new.
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**If you ran across this or were contacted by them, go elsewhere or you risk wasting a year or more of your life on a program that doesn’t deliver.

**If you just signed up cancel immediately and do some further research, you can always go back if you’re still interested.

E-Commerce:
The following website does an 8 week comparison of Prosper Learning and Wealthy Affiliates

http://proveyourbusiness.com/Reviews/WA%20vs.%20Prosper/Home.html

E-Bay:
E-bay already has an educational learning center

http://pages.ebay.com/education/index.html

Stock Market:
Not sure if this site is good or not, but they tell you what you get and you pay by month.

http://insideouttrading.com/pit/pit-join.html
Link to the PowerPoint Presentation (I could only get it to work with Safari)
http://insideouttrading.com/tayb/tayb.html
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If you are unfortunate to have already signed up for this, you have the option of paying this off or trying to fight it. If you are signed up through HSBC, just be aware that they are probably the worst credit card company to deal with based on the internet complaints. I got more sympathy from the credit collections department than the customer service department, it’s almost as though they’re 2 different companies.

If you do decide to fight it, whether as a matter of principle or because of your economic situation (take notes on everything):

1. Save a copy of the original contact email

2. Contact the owner of the original purchase you made to see what relationship they have with Prosper Learning and if they authorized Prosper Learning to use their name in an effort to infer that they would coach based on the information from their ebook.

3. Dispute the credit card charges based on seller failed to deliver the goods as promised – Prosper Learning will probably contact you on the 1st dispute and maintain contact while they file the necessary paperwork with the Finance Company.

4. Prepare the paperwork and documentation to re-initiate the dispute – you will have about 30 days from the first dispute. Depending on what kind of proof that you obtain, you may want to request a chargeback for the amount you have already paid.

http://www.ftc.gov/os/caselist/0723138/090630mentoringofamericacmplt.pdf

5. Once the 1st dispute is removed, reinitiate the dispute again with all of the documentation.

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre16.shtm
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre28.shtm
http://www.creditinfocenter.com/cards/crbillng.shtml

Date:
Purpose of Dispute:
I am requesting that all charges be reversed (chargeback) including all late fees and interest charges and that if my credit suffered due to any of this, that it be cleared up.
Nature of Dispute:
Quality of goods and services or Right to withhold payment
Other:
This was a service contract, therefore “a copy of the credit slip or a copy of the UPS tracking slip and/or tracking #, DHL, Airborne, FedEx, or a postal receipt” is not applicable

6. If you have HSBC you can fax the documentation to [protected] Attention Dispute

7. During the 2nd dispute, HBC will probably turn this over to their collections department. If you get called while in the dispute process, make a note of it and let them know that it is in dispute – expect this call at least once a month.

8. Eventually you may end up in court with HSBC

http://www.creditinfocenter.com/legal/ive-been-sued.shtml

9. To keep up you’re your spirits and help you from getting overly depressed during this frustrating period:

http://thesecret.tv/secret-to-you/

Good Luck

I was sold a John Cummata "Get out of debt" package complete with personal coaching for $14, 700. I am suing them in small claims court but have to go to Utah to do it. They make phone calls and talk you into buying their packages and have no registered agent in your state. They offer no refunds for their fraudulent training and if you want your money back, well then you can fly to Utah and fight them in court!

Thanks for all the comments. Prosper Learning called my husband today after he had ordered a DVD by Joe.
The sales person told him that they are looking to make a movie about the success stories of people that have used the principles from the DVD. They will provide a personal coach and wanted to know all about our finances, etc. While my husband was on the phone, I was very concerned about who he was sharing all this information with. He got off the phone I told him it was probably spend $10K so we can "help" you become successful. My husband then went on his computer and immediately saw all the information about scams. I just did a search myself and your website was the first thing I found.
I'm so glad you are sharing all your stories to prevent others from signing up with them. Some organization or law enforcement should deal with Prosper Learning.

I too got suckered by them, they told me, we would use a " beat the bank system" use my line of creadit for $1000, and be able to pay it of in 30 days, then they said they would front me an extra $2, 000.. I would have to pay them almost $200 a month.. When my " coach" alled, he told me the same stuff I already knew.. Sell on e-bay, become an affiliate for sites like amazon.com ... He only spent maybe 10 minutes on the phone.. Then he had other people to call me wanting me to invest more money for tax purposes... Now Modgomery is calling me, threatening to send me to collections, or law suits against me, and keep throwing that" The have a a+ in BBB" Crap at me... How do I get out? If anyone knows let me know.. I spoke with my bank, told them about it, and asked them to decline any payments towards them... I'm finally getting my credit good, I don't need this to mess me up, I'm still having to pay my credit card bill... If anyone has any info or a lawsuit against them please let me know... k_hersey@hotmail.com

NEVER trust a company or program that asks for money! It's that simple. That's all you need to know to know they are not legitimate. Believe me, i know, i've been looking for a legitimate company for years. They don't exist! It plain and simple...Disappointing, yes but none the less, THEY DON"T EXIST! And even if you find something that is BBB certified...doesn't matter, it means nothing. Best way i've found so far to find out if a company or program is legit, is by googling it and finding reviews. Oh and Robert Allen is the worst out of all of them.

You people really need to look at reviews for different programs to be found in Google. A company or program that is BBB certified doesn't necessarily mean it's legit. The first sign you look for is if the company/program you found is asking you for money. If so, more then likely, they are not legitimate. If you were to Google Robert Allen's name, you will find all kinds of reviews showing he or his company is not remotely legitimate. Don't ever take a representative's word for anything but most especially if they are asking you to pay a fee.

I'm sorry for your losses. I'm a current employee.
There are some students that do not succeed. And most of them do receive their money back. I'm sorry to say some do not. If I were the owner, all unhappy students would receive a full and timely refund Plus something extra as an apology.
If it's possible to have a straight forward conversation for a moment, without all the emotion, maybe the truth will come out and I can be of help.
Is prosper a "For Profit" company? YES. Are the coaches good at what they do? YES. (I've taken several courses - all were exceptional) Are the majority of students satisfied with their coaching? YES. Prosper graduates about 84% of their students each year and those students give their coaching a positive score. They are happy with their outcome. But that leaves 16%. And that's a big number. (About 1100 per year)
But you have compare that with other educational organizations. Most colleges do not graduate more than 60% of their students. And a large number that do graduate, never use the education they paid for and never get a job in the field they studied. Does that mean the college is to blame for not getting their investment back? Should they demand their tuition be returned?
Nevertheless, prosper will work with you, in spite of some false comments here (I'm not saying ALL are false, but it sure is strange that so many hide behind fake names. Could many of them be "Coaching Competitors" parading as fake Prosper students?) The few REAL names that do exist on the internet, I've looked up, and ALL have received a refund. It's curious why these FEW real Prosper former students don't want to tell the whole story and let the public know they received money back. And that Prosper, in the end, was MORE then fair. So why the silence?
So, in the end, 84% are happy. That's a good number...better then Yale or Harvard. 16% are not. That's a bad number...but still better then most colleges. That doesn't excuse it. We need to improve until we get close to 100%. (And by the way, many, if not most of these are like the college drop outs...they quit on the coaches. Yes, there's a few that tried and just didn't make it. Those are the ones that get a refund quickly. The cases that take some time to resolve usually involve some missed sessions or homework not done, etc., on the part of the student. If there is EVER a problem with a coach, Prosper quickly resolves that one in the students favor. And I can tell you, that is RARE.)
So, how can I help? Well, as an insider, I can give you the secrets of quick refunds...but it's 1am and that post will take me 30 minutes to write, so I'll have to see if I can do that tomorrow...

OK... I guess it was not Devon Walker I talked to. It should be Devin Willis Director of Student Relations.

I got off the phone with Devon Walker again today and realized that all they care is how to get my money. I signed up for the personal development coaching. Needless to say just like everyone else here it was not very useful. The coaches are not trained in this area and they didn't really want to know me and help me. They want to feel good about themselves talking to me and hang up the phone as soon as they can. What I learned from them was less than what I learned from reading a good book for 4 hours. They charged me $10, 900 for that! I contact them several times expressing my concerns. They eventually agreed to refund me $3500. They said it will be put back to my credit card in 10 business days. But one month passed, I called and called and never see the money. Every time we talked they'd say they sent me a check on a certain day or someone will for sure put the money back to my credit card. But none happened! I'm now sure that they don't care about their clients. All they care is getting our money.

That said, all of us who complained here should not stop at venting. We should do something about it. Possibly together. Here is what I did and will do.

I called my credit card company today to ask for a charge back under fraudulent business activities. I will try to find out Prosper's merchant bank and contact them to report their business performance. I filed a complaint on the FTC site give above https://ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en. I send an email to all the people who left their emails and express my interest in joining them for a class action law suit. We can unite together to bring them down. Not just to get our money back but also help other people who really need help NOT wasting time and energy with such a bad business.