Nevada State Bank charged excessive overdraft fees on my husbands personal account right after Christmas while he was on the east coast dealing with the death of his father. They charged a total of $1,160.00 in NSF fees for $157.16 worth of items presented to his account. Then they took all of the money from a Joint Checking account that I have with my husband that he doesn't even use to cover the overdraft in his personal account.
We had been customers of this bank for over 4 years and had NEVER asked for a NSF charge to be refunded, EVER. The manager Kim knew we were having financial trouble with the unexpected death of my husbands father.
He went into their office and humbly asked for the exorbitant NSF fees to be refunded. She informed my husband that they would only refund $150 of the $1,160 in NSF fees and that our financial problems were not their concern. She said that he should have not allowed his account to go into overdraft in the first place.
I wouldn't have had a problem with this if they would have paid the items being presented against his account but they didn't. The items being presented were in range from $2.99 to $11.60, with one being around $70. There were a total of 12 items presented totalling the $157 so the first returned item fees were $420. Most of the items were presented a second time before he could stop the debits from going against the account.
Since the government (which is really us because our tax dollars will be paying for it) just gave banks and financial institutions $700 billion dollars in relief, I think it is absolutely absurd that this bank would not help us with the ridiculous overdraft fees they charged.
It is very hard to pay over a thousand dollars for $157 worth of items that were not even paid. To boot, if they would had paid the smaller items and returned the larger one (a $70 item) the account would have only incurred 1 NSF fee instead of 12. I guess they saw a way they could make some fast money and took it, at our expense!!
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