My name is Zachary. I too was applying for a payday loan. I spoke with a Shirley first than later I was given a cb by John. Shirley told me that I had to go purchase a reload card and implement $200.00 dollars for the bank to verify that I had money in my account. Shirley than said after I the bank verifies my funds and a few other things, I can get the money back off the reload card. Therefore, I did all the following, but when I tried to get the money back, I was told by John who later got on the phone that there is a processing fee that they needed upfront for them to process the loan. The processing fee was 153.00 dollars and that I had to purchase another reload card. I did as required and was informed a timeframe that my $2,000.00 loan would be implemented in my account. The had my full name, real account number for transferring the fund, and my social security number. To make a long story short, the loan never came trough. I questioned John about it, he began to get irate, and being fumbling lies. One being that the money was sent to the wrong account because the last account number I provided him was wrong. This John man went back and forth with me and he the audacity to say later. The bank corrected it and can route it back to your account, but you have to pay $228.00 to route it in your account, but we will pay 1/2. I've filed a policed report, and criminal charges, now I'm contacting homeland security and the FBI as I was informed in situations like this. Have anyone of you filed charges? How and what was the end results. I'm filing for everybody that they've schemed so that they can also be charge for our mental anguish and pain. I'm filing to the full extinct of the law..