Overlay · not the system of recordHolds sit above scoreAsk Desk is deterministic — no modelLocal
Ops analyst / banker
NSF fees stacking on a hardship account
Luis Ortega · 7 NSF in 11 days
Lane · Standard
PriorityP2
Severitymoderate
PacketReady
Suggested—
Why this is here
Hardship tag is on. Fees are still posting. This is a complaint and UDAAP waiting to happen.
Core7 NSF posts since Aug 3
FlagsHardship = true, expiry blank
ComplaintsNone yet
Recommended. Stop incremental fees. Reverse the last cycle. Route to hardship desk, not collections.
Tag may be stale. Confirm the program is still active before waiving the full stack.
Current: Open
Overlay only. Will POST a label to the write-back URL, never a funds release. FIS / Jack Henry / payments hub exception_status=HOLD_PENDING_EVIDENCE on bnk-nsf-pattern. Desk is not the system of record.