Advance fee loans are illegal period and in some states, so are the payday loans.

http://www.consumer.ftc.gov/articles/0078-advance-fee-loans
http://www.fraud.org/scams/direct-marketing/advance-fee-loans
Payday loans
http://www.paydayloaninfo.org/state-information

File reports with the FBI, your state attorney general and Department Of Justice,CFB,FTC & FCC..

http://www.nw3c.org/
http://www.ic3.gov/default.aspx
http://www.fbi.gov/
http://www.stopfraud.gov/report.html
https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action
http://www.consumerfinance.gov/complaint/
http://www.fraud.org/

I just got taken for my last $250, and will now be out on the street with my wife and child.  He (James  Thompson) called me and said I had been approved for $1,000, which I needed for my rent.I should have known put money on a Vanilla Reload card to "prove" my payback ability.  I promised my landlord the money, but got snockered in the end because I was so desperate to believe.  GOD  HELP ME!!!! This person needs to be crucified!

They told me I got some load Approved for  . When i told I did not apply for any loan  they told they got some online application for loan.

OMG, HE CALLED ME JUST NOW TOO. I DIDNT GIVE HIM ANY INFORMATION. BUT HE KNEW MY NAME AND MY ADDRESS. HE GOT UPSET WHEN I SAID NO AND BEGAN CURSING AT ME AND BEING A PERVERT ASKING ME HOW BIG MY BREAST WERE AND THAT HE THINKS I HAVE A SEXY BODY .

THIS IS A SCAMMMMMMM! DONT ANSWER TO THIS NUMBER. I HAD THE MOST NASTIEST PERVERT CALL ME FOR THIS NUMBER ABOUT A LOAN THAT I "APPLIED" FOR . I HAVENT APPLIED FOR ANYTHING. AFTER I TOLD HIM THAT I DIDNT APPLY FOR ANYTHING AND IF HE COULD PLEASE TAKE MY NUMBER OFF OF THEIR CALLING LIST, HE GOT ANGRY AND TOLD ME "F*** YOU". HE SOUNDS LIKE HE MAY BE A INDIAN MAN. HE CONTINUED TO CALL MY PHONE TALKING NASTY TO ME. ASKING HOW BIG MY BREAST WERE AND HOW HE LOVED HOW MY BODY LOOKED. ( SCARY) CREEPY AS HELL. IF ANY OF YOU LADIES ENCOUNTER THIS PERVERT CURSE HIS NASTY A** OUT AND REPORT ALL OF THE PHONE NUMBERS HE HAS CALLED YOU FROM TO THE POLICE. MY REPORT IS CURRENTLY GETTING LOOKED INTO.

A man with a foreign accent called me and knew my email address, bank routing number,the name of my bank, my credit score, my social security number, and appearntky my phone number also.
I was very careful to pay close attention to what he said because he seemed to know a lot about me even though I have never heard of the company he represented.
He identified himself as James Thompson from AmeriCard, he said I had been approved for a pay day loan up to $5,000 U.S. Dollars. Anyone operating within the United States should not feel the need to emphasize U.S. currency. But I have recently become unemployed within the last few weeks so I said "no, thank you" and ended the conversation. He called me back immediately and said if I was able to provide $150.00 in my bank account I would gain access to the $5,000. So my account should read 5150.00, assuming I only had $150.00 in my account. Again I said "no thank you" and hung up the phone. I checked my account just to be on the safe side and sure enough a payment of $87.00 was scheduled to be taken out, I explained to the bank what happened and they will not allow any payments to go through. It came up as SAVINGS MAKE MONEY on my statement. The number was always the same and the same man answers every time. The number is 1-(979) 639-7734 from La Grange, Tx on my caller I.D.

This is a scam but they didnt get me. They say you got apporved for a loan but you must give the first payment first. And they want you to load it on a money pak card. DOOO NOTTT DO ITTT!!!!!!! BADD IDEA THEY WILL TAKE YOYR MONEY. SO DONT DO IT