Nevada State Bank Nevada State Bank - NSF Scam - Chariman Dallas Haun is a Criminal Nationwide

You failed to blame the person that authorized transactions against an account that did not have available funds to cover those transactions. You can blame others but ultimately the responsibility lies with the account holder for authorizing deductions against unavailable funds. The bank did not scam you.

First, no I have never worked for this bank.

 When you have an item presented to the bank and your account doesn't have the available balance to cover it, the transaction is returned unpaid and you're charged a NSF. Doesn't matter the reason your account is low. You're responsible to make sure there's enoughmoney to cover the transactions you authorized.

Granted, this situation was influenced by the lein from Kansas. But you should have been aware of that possibilty. As far as the bank being sure to recover any negative balance from accounts with direct deposit, it doesn't take that much to change where your direct deposit goes. The bank has no assurance it's coming in until they receive the information from the issuing bank.

Since the bank did everything properly, you have two courses of action for remedy. You can ask the bank to do a courtesy refund of the fees. dependin on your record with the bank and refund history, they refund up to half of the fees. Or you can ask the Kansas lawyers to pay the fees since their lein caused the fees. You probably won't get anything from them.

At least your post was entertaining to read.

 Atleast YOU are honest enough to admit that this IS your fault and NOT the banks fault. YOU spent money that YOU did not have. They covered those expences at a cost of rougly $35 PER transaction. Whining and complaining that you had to pay NSF is like complaining you have to breath. Kinda silly when you think about it. YOU did this to YOU. YOU overspent what you DID NOT have. So because YOU did this to YOU how exactly is NSB at fault for what YOU did? Please explain it to us.

Obviously you have a higher then normal education. SO you should be savvy enough to see WHERE you messed up. Its is NOT NSBs fault that someone else made a draw against your account. They have no more control over it then you had. To hold them responsible for what YOU agreed to and for what YOU did to yourself only goes to show the depths of your own EGO. Stop being one of the SHEEP!!!

They will NOT be giving you a refund. You can EXPECT this all you like. Your request for a refund on something that was YOUR fault is like requesting a refund for a speeding ticket. Why would you expect them to give back money that you LEGALLY owe?

While I appreciate the HONESTY you have shown here, I loose a bit of that respect due to the USUAL American COnsumer BS. As intellegent as you are, you are acting just like everyone else. Its ALWAYS someone elses fault. The American Consumer NEVER takes responsibility. It is ALWAYS deflected off of themselves. They ALWAYS play the victim. I refuse to believe that someone with YOUR intellegence CANNOT see HOW this is all on you. IS it "cool"?? NO FREAKING WAY!!!! NSF fees are a pain in the a*s!!! But it happens to ALL of us at some point. I myself just recently lost an ENTIRE paycheck to NSF fees. It was MY FAULT!!!!! I didnt have the information because I didnt take 2 mins and do a balance check BEFORE I went grocery shopping. If I had, I would have found that a few bills had already been posted to my account and that I was working under misinformation. It wasnt MY banks fault. THEY didnt spend that money, I DID!! They were kind enough that EACH of my purchase requests were paid for, but I had to pay them for them to do it. Did it suck giant donkey nuts?/ OH GOD YES!!! I had to feed a family of six on basically $20 I was able to borrow. But I did it. Im MORE angry at myself for not taking a few mins then I am at the bank for having to pay NSF fees. The bank DID thier part. Im the one who made the mistake, Im the one who has to be the responsible party. Holding the bank accountable for MY error WOULD be a MASSIVE amount of self-entitlment. Thats not WHO I AM. So I had to suck it up and do what was expected of me. You know, be a adult and accept when I have screwed myself.

If you KNEW your account was overdrawn and YOU didnt go into the bank and request a loan, then the bank is going to do what it has to do by the terms and conditions set forth when the account was opened. One would figure that as intellegent as your post is that YOU would be smart enough to she the WHOLE situation. And that would include YOUR part in it. You are so eager to place the blame on them and request a refund that you are DELIBERATLY ignoring your own role. Use that brain of yours. Then ACCEPT that the world doesnt revolve around you and that YOU ARE HUMAN and YOU MAKE MISTAKES.

Oh and two things in closing...One, not a worker or member of NSB. Two...you do realize that banks in general DO NOT make as much money as YOU may think they do. The PALTRY amount of interest means that they would have to hold MILLIONS for OVER 30 days just to see SOME sort of profit for just ONE branch. ANY money they have to pay out because a customer has made a purchase request with NSF pretty much comes out of OTHER customers money and NOT the bank itself.

You let your account go negative and don't want to pay the fees...right?

The rest of your rant is TOTALLY irrelevant.