Recently I applied for a payday loan online. Shortly after I started receiving calls from several out state numbers. I finally answered one of the calls and it was a woman named Jenine who said I had been approved for a loan for 2,000.00. She took my information; last four digts of social security, account #, and routing number. She said I needed to go through the verification process with someone else. She told me to call right back to the number she called me from and ask to speak to David Jenkins. David Jenkins answers the phone when I calls, and he starts asking me a slew of questions. He tells me that I need to load $180 on a card on the green dot money pak card for verification purposes. I asked why wouldn't you want to use the debit card I already have which is attached to all my information and should meet the verificaiton requirements.  I tell him this whole thing sounds like a scam and I'm not sure that I want to move forward. He begins to tell me it's a real bank. That I can go to Netbank, or Bank of Internet USA. I go to the site and nothing is really adding up. This smells SCAM...after reading all of your posts, I know it's a scam. I'm closing down my bank account tomorrow and establishing a new one with the same bank. This way they don't have access to your banking information....