I had applied online for a payday loan. I received a written installment plan and acceptance letter for $2000 from ACE Cash Expeess. Looked legitimate. I called them, they asked me to go get a Vanilla prepaid card for $185 to prove that I had the ability to pay the loan back, but that this wouldn't be taken from me then once the funds were verified and I stayed on the phone with them they would deposit the money $2,000 into my checking account. I was then transferred to someone else who told me I account wasn't authorized and I had to go to Western Union now and pay $200 to get my money. I told them this was fraud, I wasn't paying any more money and I wanted my $185 that they were not supposed to be taking in the first place. They then told me that was where my money was, I told them I was going to the police, they then dropped the amp in to had to pay to Western Union to $100, I told them no. I did not have it they told me to borrow it from someone. They also kept hanging up on me. Eventually they turned the phones off.