I found that after the fact that Pay Loans America is a scam. A man from the company identified himself as Ross Daylor and advised me my loan for $5000 was approved and all I had to do is purchase a total $1325 using Green Dot.moneyback cards the told me that there was a hold on my checking account and they we tunable to deposit my funds. The next day he said he could wire me the funds if I gave him $486 to pay for the transfer. At that time I tried filing a police report which was note. I contacted the FTC but so far nothing. I'm feeling that this man is going to get away with this.