Hello,I'm Zoey and I'll be assisting you. Are you online now?
Was this an unsolicited loan? That is, did you apply for it or did they just call you out of the blue? Nobody legitimate just hands out $4,000 without a comprehensive credit check. So if you didn't fill out a loan application but they are contacting you and saying they have money for you, it's a scam.
Never turn over money or sensitive personal identifying information to anyone under circumstances like this. Any unsolicited contact with news that is much too good to be true is ALWAYS a fraud. They are phishing for enough information from you to commit identity theft.
They do not need your bank account to process a loan.