joe john cash loan usa joe john purchase green dot pre pay card and scratch number on back to give them. transaction # 5414000****internet

This is called the Advance Fee Payday Loan scam. You can read all about it on the FTC(dot)gov website under consumer scams. It is called this because the scam works by having you pay a fee in advance for a 'loan'. The reality is this: there is no loan. A lender can not legally charge you a fee in advance for a consumer loan in the US. That is your tip that the loan is bogus.

That money you paid is gone. The scammers operate under false names and they spoof phone numbers. You can report it to the FTC and to the police, but it is very unlikely you will see a refund of your money. The check that was promised to you is not coming. The scammer said he was giving you a refund to get you off the phone. That is the reason the scammer had you use a Green Dot pre-paid card. Once he took your funds it is impossible to trace because you authorized him to take the funds when you gave him the numbers from the card. These scammers may not even be here in this country.

Is it right? No. But it is what scammers do - they tell you anything to get your money into their pocket.

Don't give the numbers from any of those pre-paid cards or bank accounts to any stranger on the phone for any reason. Next time someone asks you to load money onto a pre-paid card for any reason, say no and hang up. If they ask you for credit card or bank account info, don't give it to them. If you did, shut down those accounts. Follow the advice provided by the FTC.  Good luck.