I feel you may didn't speak yourself clearly when you do business with her.
把德州中国人都骗一回,就赚饱了。- Ruby Chen need to care for her reputation.
千万不要找贷款经纪上来就要你先付几百块钱application fee. - 贷款经纪 need to earn some income and application fee is normally part of it.
正常贷款经纪只收几十快钱 for credit report. - this may not be true.