Offered a 3k loan. Required a $200.00 initial fee to have funds transferred. The fee was paid. Advised I needed an additional $315.00 for insurance on the loan. Advised that I did not have theses funds available and to please return my initial fee of $200.00,which was refused. This and any additional fees were not disclosed at the initiation of this loan. Fees were advised after initial payment of $200.00 Asked for initial fee back. Was told they could not do this. I am now looking into fraud charges /banking violations.