ComplaintsforNevada State Bank

• Initial Complaint

  12/22/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Just wanted Nevada State bank to know I will be filing complaints with Attorney General of Nevada, BBB and how ever I can find. This isn't the first time this has happened with our bank. You have had refund in hand since Monday December 18 and as a few minutes ago I was told it could be 2 or more days. I have documentation that shows proof of refund from them. I contacted you yesterday morning as well as Talos drone, their system shows refund within minutes. I am really ****** that I was told by ***** and third level manager ******* that they could see it. I was told they are canceling card ending in **** and in 3 to 5 days my branch would contact me to pickup. Now I am being told I can't get my money until I get the new card. SO YOU CANCELED CARD, YOU CAN'T REFUND UNTIL NEW CARD ISSUED, YOU GET INTEREST FOR A WEEK MORE! Shady way of treating your customers. We have some direct deposits and automatic payments we need to change then we are done being treated like this. We are on a fixed income and having home repairs in process we were suppose to pay.My husband and I have a bet going as to if we will get a reply ***************************

  Business response

  12/27/2023

  One response document attached.

  Customer response

  12/27/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  09/12/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  bank refusing to cash a cashiers cheque mage out to me from a deceased estate

  Business response

  09/12/2023

  request for additional information

  Business response

  09/13/2023

  request for additional information

  
  

• Initial Complaint

  05/27/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On Thur 05/25/23 my paycheck was supposed to go into my acct and it did not show up. I called this bank and they said my employer cancelled my pay check. I called my employer and it was not true. I called the bank again and she said my check would deposit Fri. I also asked why my charges are being reported as fraud she transferred me to card services. the lady there told me that since it was not me reporting it as fraud they were going to freeze my account and shut off my card. I said not to because I live no where near ** and could not get my money. At first she said she had to freeze it and next was told she didn't need to. I asked if my check would be there Fri the 26th she said no that it doesn't show it at all. So I said can she double check. she said oh no I have to reset my system I'll call you back in 15 minutes she never called back. Well I went to pull money out of my account and it wouldn't let me so I called Nevada state bank and they said your account is frozen the lady the day before said she would not freeze it because I was willing to take responsibility if someone stole all my money. The lady today on May 26 said the account has infact been frozen as well as the card and I had to call a local branch in order to unfreeze the account. I called ******* ** branch and they had to call back the people I just talked to because they needed to confirm acct details and find out why it was frozen. She called back a few hrs later and said because it was it was online fraud I had to reset my password and they would unfreeze my acct and card. She than said she would call back a couple hrs later she called again but said she unfroze my acct but not my card and the fastest she could get my card expedited is Friday June 2nd. So I have no check no money no card no way to get gas for work nothing i just want my money or a way to move my money with out getting blocked. I tried to transfer my money and got blocked but they blamed ***** it was my account again not zelle.

  Business response

  06/05/2023

  One response document attached.

  Customer response

  06/06/2023

   
  Complaint: 20111806
  
  I am rejecting this response because: my employer says the stop check was put on by Nevada State Bank not my employer and that was communicated to the tellers at the bank. Nobody wanted to fix my account or inform me of anything fraudulent happening. They also had given me the opportunity to go to the *** to pull my money but they closed my account instead. None at f the fraud charges or what they called red flags were never called in by me but yet they closed my account due to that and I could never get the explanation why or even a solution.
  
  Sincerely,
  
  *******************

  Business response

  06/09/2023

  Two documents attached.

• Initial Complaint

  10/11/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have not used or had access to the Nevada State Bank account under my name since November 2020, when I closed the account. Since I only had a loan, the bank offered me no way to check my account online. Despite each time I changed my address (I move about every two years for work), I never got the bill. Trying to call them was impossible because unless I had all my account information (the account number isn't on the bill) they wouldn't let me make a payment. I had to pay extra to pay over the phone, which became a constant issue with me never getting my bill. I paid the loan off and told the customer service person I wanted to close the account. I was told it would be and asked if I could get a letter confirming it and said since I wasn't a bank customer with checking they would "see what they could do." I heard nothing from them until the past two weeks when my phone has been blowing up with ************ calling me saying I owe an "annual fee" of $50, which is now showing as $70 in my credit report. I do not use this loan, I have no access to it, I don't even know the account number any longer, as the loan has been paid off and closed for two years. When I told the person who called me about my situation, I was told the only way I could resolve this was to go to a branch. I live nowhere near Nevada any longer, and that's not an option. I clearly DO NOT use this account, and I couldn't use it if I wanted to. I have no checks, no bills, no online access to it. It was one loan that is said and done. If there was such an "annual fee," why wasn't there one in 2021? Why did this suddenly appear - hurting my credit report? I just want the unprompted fee removed, and the account closed once and for all. If there is documentation they need to send me, then mail it to my address. I'm done dealing with this bank over the phone. They put nothing in writing and then continue to bring difficulty to my life.

  Business response

  10/20/2022

  One document attached

  Customer response

  10/20/2022

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and since I finally received written documentation the case is closed, I have obtained the result I asked for two years ago. I believe my diligence in the matter of closing the account through the process detailed above shows I have always had an intent to close the account, but was given different versions from various representatives. I was also not allowed to get access to my account on the phone giving the same information I gave to file this complaint. I would very much preferred to have dealt with this without going through the BBB process, but I am thrilled this is finally resolved and the financial relationship is severed. 

  A few notes: I was not allowed to enroll in online banking unless I opened a checking account, which I didn't need from this bank. So I had an option to open another account in order to access a different account. This is not the same as having access to my loan account through online banking. 

  The negative credit report balance was due to a new account with a balance showing up on my credit report, when it hadn't showed up as anything but a closed account for two years. This impacted my credit score. 

  As for the returned letter in the mail, it's worth noting I changed my address every time I moved, as I move a lot for work, and it repeatedly did not go to the new address, which caused ongoing issues. I wrote it in the designated spot on the snail mail, yet for five months the ******************* went to an old address until I finally found someone who made it stick.

  Given how many times communication has fallen short in this term of this loan, I would have appreciated a confirmation of my letter being received on November 12, but at least now I have what I have long attempted to get in writing with a third-party witness to it. 

  Sincerely, 
  
  ***************************

• Initial Complaint

  08/24/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  On 7/19/2022 I went to convert my variable home equity line to a fixed simple interest loan. I had the loan officer figure my interest rate to that day so I could pay the difference and transfer an even 50k to a fixed simple interest loan. Now a month later, they say I still owe over 200 dollars on the original loan. This happened because the loan officer left the company. A new loan officer didn't take over for two weeks but stated they would back date everything to the original date of 7/19. Well, they did not and continued to charge me interest on my original variable APR loan. To make it worse, they did open my new loan and transferred the money and charged me interest on that too. So basically, I'm paying the interest on the same dollars because they didn't handle the paperwork correctly and in a timely matter. The new loan officer blames it the ex-employee but this 100% the Nevada State Bank issue and needs to be corrected. I have fulfilled my obligations and paid this loan off and they are still charging me daily interest on a loan that should be zeroed out. This all accorded at the Aliante Branch on W **** W Centennial Pkwy, North Las Vegas, NV XXXXX-XXXX

  Business response

  09/16/2022

  Business Response /* (1000, 5, 2022/09/06) */ September 2, 2022 Better Business Bureau Nevada Re: **** ***** Case# XXXXXXXX To Whom it may concern: Nevada State Bank is in receipt of the complaint submitted by **** *****. We launched a full investigation into the circumstances surrounding the claim. This response serves as a summary of our findings. In reviewing the client's loan experience, we can confirm that the terms and conditions of our Home Equity Credit Line loan agreement were followed properly, and the loan was handled in accordance with bank policy and all applicable state and federal regulations. The client agreed to the terms and conditions outlined in our loan disclosures. The client visited the branch on July 19th, 2022, to complete a request for a sub-lock (-2215) for $50,000 at a fixed rate of 5.75% for ten years. Client made a payment of $1603.02 which applied $197.42 to interest which satisfied the payment due and $1,405.60 went to principal. This left an outstanding principal balance of $50,172.42. There is a $25.00 fee for the completion of the Sub-lock. This made the balance due on the main line (-6106) $197.42 which includes the $25 fee. Client visited our Aliante Branch located on **** West Centennial, North Las Vegas NV XXXXX for an explanation of their statement. Branch Manager Mary R***** reached out to loan processing for assistance on what occurred with the request. Client left branch before Mary was able to provide information. Mary attempted to reach client over the phone, but phone call was never returned. The client's concerns have been reviewed by our Consumer Loans Manager. Please be assured that we take our service performance very seriously and make every effort to address our client's concerns thoroughly. Sincerely, Denisse L***** Business Analyst Nevada State Bank Consumer Response /* (3000, 7, 2022/09/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) When I went in on July 19th to convert this ARM loan to a conventional loan. I askedt he loan agent what is the total balance as of today. She stated up to July 19th the balance will be 51,578.02. I stated I want to move exactly 50,000 to the new loan so what is the difference plus fees. She said with the 25 dollar loan fee that brings a total payment of 1603.02 to transfer exactly 50k. This is why I made a payment of 1603.02. Honestly, why would someone make a odd payment like that if it did not specific meaning. So either their workers have no clue what they are doing or lied to me. Or the banks just works the books to make sure they can get a few more dollars out of me. I'm going by what the loan office told me. Was I just lied too, or was she intentionally defrauding me to boost her account status retention? I know everyone is going to side with the bank because BIG BANK is too big to lose. But I want this on record that I am either being cheated or lied too. This will be my last interaction with this bank. Thank you for your time.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩