Received a call from 866-615-6319? This is a call from Prosper Marketplace, a fintech lender that issues personal loans. They might be calling you to collect on a delinquent personal loan you never paid, or they may be calling you out of the blue with an unsolicited sales call. Whatever the reason for their call, you have more legal recourse than you think.
In this article, we’ll walk you through your legal options for dealing with Prosper Marketplace and any other companies that call you from the number 866-615-6319. We’ll discuss what you need to know about Prosper Marketplace, why they’re calling you, what other people have experienced, and what your legal rights are in this situation.
You don’t have to answer their calls. You don’t have to play their game. And you certainly shouldn’t make any financial decisions under duress.
What is Prosper Marketplace?
Type of company: First-party fintech lender (not a debt collector or a debt buyer).
Industry: Personal loans, home equity products, credit cards.
Year founded: 2005. Founders: Chris Larsen and John Witchel.
Headquarters location: 221 Main Street, Suite 300, San Francisco, CA 94105.
Company size: ~450-500 employees; privately held.
Loans originated: Over $30 billion since inception.
Loan originator partner: WebBank (a Utah-chartered FDIC-insured industrial bank).
Better Business Bureau rating: A+ (accredited since November 2012); 456 complaints in the last 3 years.
States served: All U.S. states except Iowa and West Virginia (for personal loans).
You’re not the only one getting calls from 866-615-6319
The phone number 866-615-6319 is a prolific caller that has generated complaints on every major consumer reporting platform, from ShouldIAnswer to 800notes to Nomorobo to the Better Business Bureau. On ShouldIAnswer, the number has 141 reviews, with 96 of them rated negative. On Nomorobo, the number has been flagged as a robocall since August 2016.
In March 2024, the Minnesota Department of Commerce fined Prosper $30,000 for engaging in unlicensed debt collection practices in the state. The penalty serves as confirmation that Prosper’s collection practices are indeed operating outside the bounds of proper licensing in at least one state. If you’re getting these calls, you’re not alone.
Why is Prosper Marketplace calling me?
They say you owe money on a personal loan
If you have an outstanding Prosper personal loan and you’ve missed a payment, this is the likeliest reason why Prosper is calling you. Prosper services its own loans, which includes attempting to collect on delinquent loans. If you’re more than 30 days late on your payment, your loan will be sent to a third-party collection agency. And if you’re more than 120 days late, the “debt” will be charged off and sold to a third-party debt buyer.
However, just because Prosper says you owe them money doesn’t mean you actually do. Under the FDCPA, you have the right to written debt validation of any debt someone is trying to collect from you, and requesting it costs you nothing.
You compared rates, but you didn’t take a loan
We’ve seen a number of complaints about this phone number from people who never actually took out a Prosper loan. Instead, they compared interest rates on a third-party website like Credit Karma or LendingTree, and the calls started almost immediately.
Wrote one ShouldIAnswer user: “A few weeks ago I requested info on loan rates from CreditKarma.com. Since then I’ve been getting 2 or 3 calls daily from Prosper Loans Sales. They hang up before the end of the second ring, every single time.” Wrote another: “Checked a loan rate online and they now call 3-4 times a day. Finally picked up and they hung up after I said hello.”
If you’re getting sales calls from Prosper and you’ve never taken out a loan with them, these calls may be illegal, depending on the state where you live.
What other consumers have reported about calls from 866-615-6319
They won’t stop calling
Far and away the most common consumer complaint about calls from this phone number is the frequency of the calls. Consumers on 800notes reported that Prosper placed 5-10 calls per day: “Prosper Financial. 5-10 calls every day.” “Had to finally block calls up to 10 times a day. Today starts to call my cell number.”
One consumer filed a complaint with the Better Business Bureau in November 2022, saying that Prosper placed 3 calls within 24 hours of an initial conversation. The consumer said this violated the FDCPA’s prohibition on placing repeat calls within 7 consecutive calendar days after a previous phone conversation.
In a January 2026 complaint filed with the BBB, Prosper acknowledged that it had placed 8 calls to 2 different phone numbers over the course of 4 days, which the company said was “within our standard collection practices.”
Under the CFPB’s Debt Collection Rule, there is a presumption that making more than 7 calls within 7 consecutive days about a particular debt is a violation of federal law. Based on these complaints, some consumers have reported that Prosper placed many more calls than that.
They’re calling and hanging up
In addition to the frequency of calls, a number of consumers have reported that calls from this phone number will often ring only once or twice before hanging up – and no voicemail message is left. One consumer reported: “Silent call multiple times a day since checking rates for loan.” Others reported answering the phone only to find that no one was there before the line went dead.
On its TCPA authorization webpage, Prosper acknowledges that it uses autodialers and prerecorded voice messages to contact consumers. The webpage also says that, by providing consent, “you authorize Prosper to contact you at the number you have provided even if the number you have provided is registered on any state or federal Do-Not-Call list.” This language suggests that Prosper is using automated dialing equipment to place its calls.
Your legal rights when Prosper calls
You have the right to written debt verification
Under the FDCPA, you have the right to request that anyone trying to collect a debt from you provide written verification of the debt. This means that the collector must prove that the debt is valid, that the amount is correct, and that they have the legal right to collect it. Once you request debt validation, the collector must cease all collection activities until it provides the verification you requested.
The reason why the dispute strategy is so effective is that the burden of proof is on the collector once you request validation. And the fact is, most collectors don’t have the complete documentation for most of the accounts they pursue. By requesting validation, you can force the collector to prove that it has the right to collect – and in many cases, the collector will simply give up and move on to the next account.
You have the right to dispute credit report errors
If Prosper or any other collection agency has made a negative report to any of the 3 credit reporting agencies, you also have the right to dispute the error with the credit reporting agencies under the FCRA. The agencies have 30 days to investigate your dispute. If the reporting entity cannot verify the accuracy of the disputed information, it must be deleted from your report.
One thing to keep in mind here is that the credit reporting agencies prioritize speed over accuracy. They process millions of credit data points every day, and much of that data is reported without verifying its accuracy. This creates an opportunity for consumers to file a credit report dispute that points out specific inaccuracies in negative credit report information – and have that information removed as a result.
Why you shouldn’t pay your debt without a fight
They’re trying to pressure you into a decision
When you’re delinquent on a debt and someone’s calling you 5-10 times a day, it’s only natural that you’ll want to pay your debt just to make the phone stop ringing. That’s exactly what these calls are designed to do.
Financial pressure can make you feel like you have no choice but to pay a debt, just to make the pressure stop. But before you make any decision under duress, you should know that paying a debt without validating its accuracy can have negative consequences for you – and can actually make your problem worse.
And in the meantime, the clock is ticking in your favor
Under federal law, most negative information can only stay on your credit report for 7 years from the original date of delinquency. And debt collection lawsuits have a statute of limitations that varies by state, but is typically between 3-6 years. After that, the collector loses the legal right to sue you for the debt.
In reality, collection lawsuits are relatively rare – especially when it comes to unsecured debt like personal loans. It costs money to file a lawsuit, and most of the time, it’s not worth it for the collector to bother. So time is on your side if you can just hang in there.
In many cases, the most effective strategy is to dispute credit report information and request written debt validation instead of making payments on a debt that may not even be valid.
How to protect yourself starting today
Here’s what you can do right now
Pull copies of your credit reports from all 3 credit reporting agencies, and see if you can find any information about Prosper Marketplace or Prosper Funding LLC, or any collection agency that’s collecting on their behalf.
Start documenting every time you get a call from 866-615-6319. If you answer the phone and they mention a debt, don’t confirm or deny and don’t give out your personal or financial information.
If a collection agency is telling you that you owe a debt, send them a written debt validation request via certified mail and keep a copy for your records. If the calls keep coming even after you’ve requested that they stop, each call may be a violation of your FDCPA rights, and those violations come with statutory damages.
Let us fight back for you
At FightCollections.com, we specialize in disputing invalid and unverifiable information that’s appearing on consumer credit reports. We know all the tactics that companies like Prosper Marketplace use to try and intimidate consumers into paying up, and we know how to fight back.
So if you’re getting unwanted calls from 866-615-6319 – or if Prosper Marketplace has put a negative report on your credit report without your permission – contact us today for a free consultation. We’ll review your credit reports for you, identify any information that you might be able to dispute, and help you come up with a strategy to protect your legal rights as a consumer.
