THEY ARE SCAMMERS! Do not give them any money. They said they were calling from USA Payday Loans. A man who said he was Jack Osten told me that I had to give him money "To show good faith". He wanted me to buy a Vanilla Reload Money Pack for $220. I did. He then told me that I needed to give him an additional $155 for Taxes. They are scammers. Don't be fooled like I was..