<prompt> Human: Last Friday I went to Academy Bank to apply for a small personal loan. I went there because I was told they would get me approved and it would help build my credit to take out a small loan and pay it back. On Friday I was told that I was approved by the teller at the bank and she told me that I would receive the loan today. The loan never showed up in my account and finally the teller called me around 5 and explained to me that my application had actually been declined. I paid a 35 app fee which I was alright with thinking I would get approved. Is there anything that I can or should do in this situation?  <response>: Consider it a blessing. 