I was approved for a loan in the amount of $4,500.00 which I did not apply for through an email I called the loan officer to inquire about the loan was told that I needed to pay an application fee of $90.00 on a my vanilla debit visa prepaid card then was told to get another my vanilla prepaid card and pay a instance fee of $300.00 for security purposes that the monthly payment would be paid even if I for some reason couldn't make my payments this company would pay it then I was told that I could qualify for a U.S. Treasury Grant Program which I needed to purchase another my vanilla prepaid card with $280.00 on it which all would be refunded with the loan into my account this loan was $10,00.00 which I wouldn't have to pay back this sounded to good to be true I never even thought at the time that loan companies do not ask for application fees or fees for insurance purpses since all the money I paid would be refunded