Prosper

Thanks for the good advice. I had never heard of prosper until now. You can put the link up in a form that is not enabled by leaving out the www or the .com.
People can copy it to there browser and add the missing letters.

You may access the web addresses by just adding Prosper or Prospers, but the latter is a .org site. I would encourage the readers to register for Prospers and view the forums. This would likely enlighten them and make them more cautious. Read the check my listing and the general discussion.

I just had a friend register (I am banned now) and he stated they included a link to my workplace. When I registered and in all of my threads, I never included that information to protect my privacy. One poster took it upon himself to assume that is where I work and posted it there.

I am not sure if it meets the criteria, but I filed a complaint with the FTC (Consumer Protection Agency) and the Federal Bureau of Investigation. The website failed to protect my privacy and put out personal information in a public forum.

I just went to their site out of curiosity. They operate like a credit service organization. The down side is that you have to let them have access to your bank account routing info sort of like Cash Call. It is however interesting concept of people bidding for your loan.

You should have a look at Prospers...they operate like a debt collection agency not looking for money, just looking to harrass people.

I am confused. I just looked at Prosper.com which is CSO. Is that the site. Or is it Prospers?

There is a second site called Prospers, but it is a .org site, not a .com. If you want the link, I can PM you.

I signed up for it so I could read the forums. What a strange world that is! I had no idea it existed. I don't even know what half these pepole are talking about but they sure do trash each other. They even post who is late with loans. Too scary for me. It is like the dark side.

Isn't is horrible? In my case, one of the moderators sent me a private message and urged me to become a member of the site and promote my listing. Then I get there only to be bashed! I am not even close to the worst case. Some are downright awful. One person sent me an e-mail last night about her experiences as well. They basically provoked and provoked until she started to stick up for herself and then they accused her of having a bad attitude with the people who she was asking to help her.

Truly sick, but if it makes you happy....I filed complaints though about the privacy issue. I hope I hear something.

kbowers was not treated nearly as harshly as she indicates. She is obviously upset that she was not able to fund her second loan through Prosper. That is understandable.

Many things have changed at Prosper.com since kbowers received her first loan. Many lenders have been burned by those with poor credit. Among the most recent additions to the Prosper platform is the ability to immediately receive a "projected ROI" when bidding on any listing. kbowers credit is quite poor. So poor, in fact, that the projected ROI for bidding on her listing was (-13%). Due to her poor credit, lenders were projected to take a loss when lending to her. On her first loan, lenders had no way of knowing that this was the case.

Due to this projected-loss, very few sane lenders would be willing to lend to her. Her odds of funding a loan were very, very small. Due to these long odds, kbowers resorted to starting multiple threads throughout multiple forums in an effort garner some support. Needless to say, this is not often appreciated. The "horrible" treatment that kbowers consisted of this posting:
Quote:

Untrue. How did I manipulate people? I listed a small loan. I was invited to promote my listing on that site and from day one, was called "shameless," that I had a bad attitude and eventually, a liar.

Why would I not get angry when users post rude and offensive remarks about me? You are getting awfully defensive by me posting about my experience. I am extremely angry for the fact that a link to my workplace was posted on the site and that users contacted me directly making verbal threats and name-calling.

Nothing about my workplace was included in my profile information. Nothing excuses the users to contacted me with verbal threats and name-calling. I posted in those forums when I was asked to reply to a question regarding my listing. I am sorry if lenders got burned on loans but that is NOT MY FAULT and I did not deserve to be treated like that. I took a loan at Prosper and am paying it without a problem. Other borrowers may default, but don't punish those who have lived up to the loan agreement.

I am a hard-working adult who has done everything in her power to achieve a stable financial situation. I am not angry that I could not fund. I took the money from my savings account and cashed in two CDs. I am angry at how I was treated. Yes, Matt is a friend and co-worker who did bid on my first loan and did send that message.

By the way...is this legal? This .com site wallofsham? Notice the missing "e" when looking at it. Somehow, I do not think this is. Somehow, I think posting photos of those who have not paid on a loan is illegal.

I am not spiteful, but I am also not a pushover. I have spent years getting out of debt on my own and I will not be made to feel like a criminal or a deadbeat.

But...I will let the users read the threads and decide for themselves.

My employer name was NEVER listed. That is completely untrue.

You also listed ALL of this information in your original prosper.com listing. Why is it that you are so willing to give out personal info when you are trying to get a loan...but anxious to sue anyone who links to it?

I did not give the specifics of my workplace on anything. You say it doesn't take a genius, ok, but I did not give that information out. And even if the users put two and two together and found where I work, do you condone them contacting me via e-mail calling me names and making threats?

Also...
"Let me break it to you..you aren't gonna fund.

Any chance you may have had with this crowd was killed by your shameless self promotion."

Why could this person not say it in a more civil manner or just ignore my listing? That board is to promote Prosper listings, which is what I was doing.

We can argue until the end of time about this, but I just want to know why I was treated like that. I am not a bad person. I was not trying to offend anyone. I was doing what I was advised by the board users to do. I felt horrible when people started to berate me because I could not understand why.

I posted as waterbug811 too, but I lost my login information a while back and can't get back into it. I only just found the login info for this account. I am still trying to find the waterbug one. Why?

Found it!!! Go on with my bad self and my pathetic computer skills.

:D

So I won't post under KBowers anymore since I posted most often with waterbug811...and I have a fan....wow....cool.

:sun:

Sorry...just being silly.

Ok, I'll play your game. You did not say specifically where you work. It would be similar to me saying "I work for an extremely large software company...my email address is [email]xxx.xxxx@microsoft.com[/email]." Sure, if you want to claim that doesn't give specifics...fine. I don't think it will fool anyone, though.

Could it have been more civil? Perhaps. It was also the truth. It's an internet discussion forum. You were not treated anywhere near horribly by forum standards. You were denied the loan you wanted, and took your frustrations out on us. We're used to it. It happens all the time. You're not the first and won't be the last.

Anyone who spends more than 5 minutes at .org will realize that the only real flame-wars that occur between fellow lenders and forum regulars. Newbies and borrowers are treated very softly. If you wish to avoid any harshness, fine...all I ask is that you don't wander to every credit-forum on the internet in an attempt to blast .org simply because they told you the truth about your situation...however painful it may have been.

Your posts are distorted. My listing was active when I started to get treated poorly. I withdrew after that person posted the "you ain't gonna fund" message. Then when I asked the moderator/admin to remove my account, he did, but then posted about it on my original thread. That was when a user posted a link to my workplace. My friend and colleague...yes, Matt...signed up to view the forum and showed me that information. That was posted after I cancelled my account. It should have been over and done with there, but 2 users contacted me via e-mail at my workplace. They were vicious and, no, I did not respond.

I am a reasonable person and, as you can see, I am also very passionate about certain things. I don't like to see anyone mistreated. That is why I like this forum. People post about their experiences and people freely respond and 99.999999999999% of the time it is civil. Once in a while a lively discussion will spark, but that only adds to the flavor of this place. It was what I was expecting at Prospers. The people here are good people and are here because they need help and support or are willing to give their help and support.

I have lent (is that a word??) money to people with the promise to have it paid back and have never seen a penny of it. You bet I was mad and wouldn't loan to that person again. So, I do see where you and other lenders are hesitant and in many cases angry. But that doesn't mean every person will do that to you.

I won't post anymore. I did file complaints to have my information removed and I do intend to follow through with them. I still have a real beef with that wallofsham site.

I would encourage anyone to view Prospers (remember .org) and form their own opinion.

Waterbug811 and kbowers are the same person. Clearly, this girl has some issues.

kbowers posted her information publicly in many places. this includes the forums and and her listings.

at some point, prosper went back removed personal information from listings programmatically and prevented new listings from including this information.

kbowers was one of the people they had to delete information from which is evidenced by prospers insertion of this text:
[LAST NAME DELETED]
[EMAIL DELETED]
[PHONE DELETED]
which can be found in her old listing:
tiny.cc/e4jtw

the email and phone number that was listed was her employer information.

so as you can see, she is lying when she says she never gave this information out. she is just pissed she couldnt get another loan and is being highly vengeful and manipulative.

kbowers was taken very seriously when she arrived at our forum. She was patiently given advice by most lenders. Our forum, like all forums, have a couple of wiseguys on it, but most people were very respectful and helpful towards her.

However, she simply isn't creditworthy enough for a second loan on top of the first. She also kept changing her story. Now she's throwing a temper tantrum like a little girl, because she didn't get handed our cash. Did she mention how many people took the time to post lengthy cousel to her? Nope. Just screaming and crying because she couldn't borrow money for Chritmas presents (a very unwise financial move, she should consider herself lucky).

She already has a loan from prosper anyway. She doesn't need or merit a second one until the first is paid off.

She was very poorly behaved, and was banned from the forum. frankly, she deserved her ban.

she wasnt banned. she sent the forum mod a PM requesting her account be deleted after she got mad. she then came back with sockpuppets to cause trouble and it was those sockpuppets that were banned.

waterbug811/kbowers,

Would you explain, please, why - after asking the moderators at org to delete your account - you then immediately attempted to register so many sockpuppets from the same IP address that the org moderators were forced to block anyregistrant at all from it, completely?

Also, I invite all members of these boards over to org to see the very wise, generous, and well-meaning counsel you were offered there, before you (very quickly) went into your

Quote:

Waterbug/kbowers modus operandi

Why do some people insist on putting forth more effort towards avoiding their debt and harassing (yes...harassing) creditors then they put forth in maintaining their credit? Pay your debts, people. :x

I have to comment on these posts.

I'm a lender at Prosper.com.

KBowers definitely posted her employer.

More significantly, to the reader who is upset that Prosper lenders post information about late borrowers.... well, hello! We're people just like you are, and if borrowers don't repay us, they're hurting PEOPLE who loaned money out of our own pockets. Our stock shares aren't taking a hit; we are taking an immediate personal hit. Why wouldn't we be proactive in trying to protect ourselves from borrowers who appear unlikely to repay us?

Actually, waterbug gave her email as being at a small college about 50 miles east of Lake Ontario. She might be a student there, but she said she is the Assistant Director of Admissions at a small college. So actually, she didn't specifically give the full legal name of her employer in her comments.

Test

Hi K
I know your upset about your personal information being made public. However, thats what happens when you make your information public on the internet.

If it would help you any at all, I would be glad to give you the owner of Prospers.org name and phone.

Maybe that way you and Gregory could come to a possible understanding about how letting the users of his site post public,,, yet private information can come back and bite people on the butt.

Its no fun having others know all about you.
Some things should be kept private...... like Gregory making a $1000 donation to Ron Paul........

If I can be of assistance, please let me know.

Seriously.

Get over yourself Kbowers. what a self righteous windbag!!! As far as your employer Prospers knows who they are. You gave them up yourself

Ron Paul for President!

(last post ate my text, so had to double-post)

It's high time the school learn of Matt and Kristen's internet adventures (and ventures) while settled in front of their work comps.

The evidence is overwhelming.

And durable.

This is being locked due to the continued personal attacks in it. If the original poster of this topic needs more help in this matter,please start a new topic.