I find this letter particularly sweet considering the arrogant and disdainful manner in which Fred93 has been treated by Prosper's management. It has become relatively well known over the years how senior management at Prosper considered Fred93 little more than a troublemaker. This is, of course, quite consistent with how you would expect Prosper to treat one of its largest lenders.
I also note that this letter is dated within just a couple of weeks prior to Giedgowd's departure.
LOL at "no factual defense."
Congrats, Fred!