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Nevada Banking Questions & Answers
1 Answer | Asked in Banking for Nevada on
Q: I opened a capital one 360 checking account. I loaded 3 checks 2 did not clear but the 3rd one has. Can not access fund

Funds have been in my available and current balance for 3 weeks now I have never taken any money out of this account they say there going to close it but it could take up to 3 years for a check to be returned and they wont let me access my money

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Jun 12, 2019

Most commercial banks have an old saying they teach all tellers to rely upon: "Know your depositor." This wise advice also applies to regular people who open new accounts in the high-tech world of today--where fraudulent checks are now everywhere. Why would you expect Capital One to give you the... Read more »

1 Answer | Asked in Consumer Law, Contracts and Banking for Nevada on
Q: I am a Nevada resident & I have a high interest loan from Netcredit.com, do they need to be licensed in Nevada to lend?

If I check their website for Nevada loans, https://www.netcredit.com/rates-and-terms/nevada

I receive a message stating "Unfortunately, personal loans through NetCredit are not currently available in your state.

We are working hard to provide access to fast, trustworthy credit in as... Read more »

Bruce Alexander Minnick
Bruce Alexander Minnick answered on May 28, 2019

There is a big difference between borrowing from a lender not authorized to make loans in Nevada and repaying a loan to a lender that is not authorized to make loans in Nevada.

Reading between the lines here tells me that

(1) you have been obligated to repay this (terrible) loan...
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