I have been working with Tracey Smith on this loan process. We were approved for a loan for $20,000. I sent all the necessary paperwork to them and was told that I was given 4 options to release the funds for the loan. I chose to give them monetary collateral of $1480. I was told to Western Union that to their office that day and the funds would be released within 4 to 6 hours. We waited all nite and the funds never came. I called them again the next day and Tracey said that the lendor said I needed more for collateral. I told them I didnt have it and they would file a reimbursement and it would take 2 weeks. So I wrote an email to their legal dept and their customer service dept about how we were deceived by contract. Tracey then contacted me again and said they knocked off $700 and I give them another $900 they will release the funds. I did and that was Thursday May 21. She said my funds would be in my account within 2-3 hours. They never came. I called all day Friday and got voice mail after voice mail. I didnt know if anyone was in the office b/c of the holiday so I waited until Tuesday to call. When I called on Tuesday all I am getting is a busy signal?