usa payday loan is definetly a scam.

You just avoided being scammed - it is ILLEGAL to ask people to pay money upfront to receive money!

 http://www.consumer.ftc.gov/articles/0078-advance-fee-loans


Some red flags can tip you off to scam artists’ tricks. For example:

A lender who isn’t interested in your credit history. A lender may offer loans or credit cards for many purposes — for example, so you can start a business or consolidate your bills. But one who doesn’t care about your credit record should worry you. Ads that say “Bad credit? No problem” or “We don’t care about your past. You deserve a loan” or “Get money fast” or even “No hassle — guaranteed” often indicate a scam.
Banks and other legitimate lenders generally evaluate creditworthiness and confirm the information in an application before they grant firm offers of credit to anyone.

Fees that aren't disclosed clearly or prominently. Scam lenders may say you’ve been approved for a loan, then call or email demanding a fee before you can get the money. Any up-front fee that the lender wants to collect before granting the loan is a cue to walk away, especially if you’re told it’s for “insurance,” “processing,” or just “paperwork.”
Legitimate lenders often charge application, appraisal, or credit report fees. The differences? They disclose their fees clearly and prominently; they take their fees from the amount you borrow; and the fees usually are paid to the lender or broker after the loan is approved.

And if a lender says they won’t check your credit history, but wants your personal information, like your Social Security number or bank account number? Go somewhere else. They may use your information to debit your bank account to pay a fee they’re hiding.

A loan that is offered by phone. It is illegal for companies doing business by phone in the U.S. to promise you a loan or credit card and ask you to pay for it before they deliver.
A lender who uses a copy-cat or wanna-be name. Crooks give their companies names that sound like well-known or respected organizations and create websites that look professional. Some scam artists have pretended to be the Better Business Bureau, a major bank, or another reputable organization; some even produce forged paperwork or pay people to pretend to be references. Always get a company’s phone number from the phone book or directory assistance, and call to check they are who they say they are. Get a physical address, too: a company that advertises a PO Box as its address is one to check out with the appropriate authorities.
A lender who is not registered in your state. Lenders and loan brokers are required to register in the states where they do business. To check registration, call your state Attorney General’s office or your state’s Department of Banking or Financial Regulation. Checking registration does not guarantee that you will be happy with a lender, but it helps weed out the crooks.
A lender who asks you to wire money or pay an individual. Don’t make a payment for a loan or credit card directly to an individual; legitimate lenders don’t ask anyone to do that. In addition, don’t use a wire transfer service or send money orders for a loan. You have little recourse if there’s a problem with a wire transaction, and legitimate lenders don’t pressure their customers to wire money.
Finally, just because you’ve received a slick promotion, seen an ad for a loan or credit card in a prominent place in your neighborhood or in your newspaper, on television or on the Internet, or heard one on the radio, don’t assume it’s a good deal — or even legitimate. Scam artists work hard to make you think they're legitimate, so it’s really important to do your homework.

Dealing with Debt
If you have debt problems, try to solve them with your creditors as soon as you realize you won’t be able to make your payments. If you can’t resolve the problems yourself or you need help to do it, you may want to contact a credit counseling service. Nonprofit organizations in every state counsel and educate people and families on debt problems, budgeting, and using credit wisely. Often, these services are free or low-cost. Universities, military bases, credit unions, and housing authorities also may offer low- or no-cost credit counseling programs.

http://www.consumer.ftc.gov/articles/0153-choosing-credit-counselor

I had the same call while also filling out for a loan. When he said yes you are approved for 1000.00 we just need to complete the application and money will be transferred.  Well I told him I had to talk with my wife before I finalized anything.  That's when he started cursing me out. Be aware of this guy. He is a true piece of work.

too Just gote ofá toe phone without USA Raydan Lonas andá they toldá me ar first I as provedoral for $1,000, then I said, well I want $5,000 and have bad credit, don't work and they said that was okay.  AHA.  Red flag.  So they asked me to get the Greendot card and I just laughed and told them okay my husband would do it on his way home from his shift from the police department.  He didn't flinch.  Pretty Funny.
I am sure the lady earlier with the HUGE loans maybe had a bit too much to drink - BUT SERIOUSLY if they want you to believe them, then how about writing a blog that doesn't use "millions."  Like honestly peeps, if we are in need of a loan - then I am pretty sure NO ONE is going to give us millions...

Great stuff these scammers.  My husband hates them and let's it show.. eegads.

I have been receiving calls from many numbers 213-785-8831, 386-868-1076,404-382-0014, 352,789-2121, I have researched and found out that USA LOANS are scammers posing as a legit company. I have recorded every phone call and will be placing a fraud alert on my social security number. These people will be caught in the end. You can NOT do this for so long and not get caught, they are very sloppy as well. I would NEVER give my money to a lender that I am trying to borrow money from! CRAZY!

with a payday loan they are illegal in many states and with them they shouldnt be depositing them into your account and if they do they dont go onto your credit report and you dont have to pay them back technically cause they arent suppose to give you money and if they call you to collect on them its illegal to collect payday loans as well so you could sue them for that plus if they do give you the money you dont have to pay it back

with a payday loan they are illegal in many states and with them they shouldnt be depositing them into your account and if they do they dont go onto your credit report and you dont have to pay them back technically cause they arent suppose to give you money and if they call you to collect on them its illegal to collect payday loans as well so you could sue them for that plus if they do give you the money you dont have to pay it back

This happened to me today

Receiving phone calls from a Anthony Martelli saying that  have an outstanding Pay day loan and that I would be served at my job.  Then some person by the name of Patricial Summer called saying that she is is a processor.  This is a Scam for Insight Capital.  The number calling is 919-299-0071.

The cell phones are prepaid and are from all over

The 919 area code is a north carolina area code

The same Guy Anthony called me too from 919-299-0071 and yes Is DEFINATELY A SCAM when I said was scam he got mad and started freaking out

If you had put that number in the search box, it would have taken you to the proper thread where this criminal is being talked about.

I have been getting calls also. I was told i was approved for 2000 $ but needed to call this number and talk to so and so. So he could tell me who to send it too. I asked her if it was a scam she got rude and and said no that it was real. Started searching them and sure enough its a scam. Scary thing is they know all my bank information and my social bday and everything else don't do it people they are out for money

I kept calling them back just to annoy them like they had been me and this Indian sounding guy told me he had my address and read it off to me (he was right on the town but off on the street and numbers) and said he was coming to kill me in 2 days! Naturally i tried to get to anther phone to record this threat but was unable to in time, so if you get any calls from these people keep something handy to record them with in-case they make threats like this to you!

The calls are originating from overseas, so there really isn't anything that US law enforcement can do.  If the call has originated in the US, that is a different story.