Tag Archives: what is Dickinson North Dakota Like

I Talked To The Police Officer Who Stopped Me Last Night In Dickinson, North Dakota

On Monday night, September 30, at 11:00 p.m., I was stopped by a Police Officer in Dickinson, North Dakota for failure to come to a complete stop at a stop sign.  I had waited until late at night to drive to WalMart for groceries, because I didn’t want to go to the store when it was busy and crowded.  I was not in a hurry at all, I was driving less than the speed limit, and the last thing I was expecting was to be stopped by the Police.

When the Police Officer asked me for my driver’s license, registration, and proof of insurance, I told the Police Officer that I would have to look on my phone for a copy of my proof of insurance.  At the moment, I could not remember whether I had taken a photograph of the insurance card off of my computer screen, or if I had had this insurance card e-mailed to me.

I bought this vehicle that I was driving, six weeks ago.  Initially, what I had placed in the glove box as proof of insurance, was the price quotation that State Farm Insurance had faxed to me, the form that I had to sign and fax back to State Farm Insurance, and I had a photo on my phone of the check payment written out to State Farm Insurance with the dollar amount matching the price quote for this vehicle, the date, and in the memo section the make, model, and year of this vehicle.

The Police Officer was not believing me that I had insurance on this vehicle, even after I showed him the paperwork that I had in the glove box, and the photo of the check payment for insurance on this vehicle.  I had other proof of insurance cards on my phone for other vehicles of mine, but not this one.  I tried to go to and log onto my e-mail, but I couldn’t get the log in page to come up on my phone like it does on my computer.

The Police Officer mentioned to me that failure to have insurance or proof of insurance was a $140 fine, which was not that big a deal to me.  As he was writing my ticket, I was able to get to my e-mail on my phone, go back to August, and luckily I found the proof of insurance card for this vehicle.  I handed my phone to the Police Officer, and he looked at my proof of insurance card for this vehicle.

The Police Officer gave me a ticket for failure to stop at a stop sign, which he explained was $40 and three points on my driver’s license.  I explained to the Police Officer, that I know that the Police in Dickinson are trying to stop as many people as possible in order to try to discover drug crime, but for people like me who are not criminals, this is a problem because I have been stopped three time by Law Enforcement in the past sixty days.

When I got home and I began looking on the internet to try to see how many points would go on my Idaho driver’s license, when these points would appear on my driver’s license, what online driver course I could take to get these points removed, and when I would need to take this online driver course, I found out that I nearly got nine points on my driver’s license for this traffic stop, and that the next time that I got stopped within the next twelve months, my driver’s license would automatically be suspended.

What I did not know or understand at first, was that there is no ticket for failure to have proof of insurance, there is only a ticket for failure to have insurance.  If I would have paid the $140 ticket for what I thought was failure to have proof of insurance, I would have actually been admitting to not having liability insurance, which in North Dakota on the first offense carries a penalty of six points on your driver’s license, and for the second offense twelve points on your driver’s license.

I had no idea that on the way home from WalMart at 11 p.m., not coming to a complete stop at a stop sign, would result in me losing my driver’s license.  But it’s worse than that, I didn’t understand what was going on, I didn’t understand how important it was to show more proof of insurance than what I had with me at the time, I didn’t know that paying the ticket for $140 would have been automatically admitting that I didn’t have liability insurance, which I did have liability insurance, I didn’t know that I would have had nine points on my license immediately, I would not have known that the next time I got stopped within the next twelve months that my driver’s license would automatically be suspended, … and I would have been driving around with a suspended driver’s license and not had any idea.

On Tuesday, I called a couple of DMV and IDT offices in Idaho to try to get some answers on how to handle the traffic ticket that I got on Monday night, to ask if and when the points would go on my Idaho driver’s license, and when and how many times could I take the online driver safety course to get the points removed from my driver’s license.

On Tuesday I called a couple of DMV and NDOT offices in North Dakota to ask questions, though the people in Bismarck were nice, they didn’t have all the answers.  I called the Dickinson Police Department to try to ask to speak to a Police Officer that I already knew like Shift Sergeant Moser, Officer Kinto, or Officer Bates, but was told no.  It was suggested to me that I speak to either the Police Officer who gave me the ticket, or his Shift Sergeant Jason Wallace this evening.

To clarify for those people reading this blog post who don’t understand why this is such a big deal to me:  My home is in Idaho 750 miles away, I am just here in Dickinson, North Dakota to work.  My work location is more than sixty miles from Dickinson, out in the middle of nowhere.  If I lose my driver’s license, I will lose my job.  I have trucks, trailers, and equipment that I have brought to Dickinson to do self-employed work, but without a driver’s license, I couldn’t do my self-employed work either.

If I lose my driver’s license, then my job, I don’t have anyone here to help me.  I don’t have any good friends here, any family members here, any church relationship here, any attorney or accountant business relationships here.  Without a driver’s license, without a job, without any income, that is when I would probably want to hire an attorney to try to help me get something like a temporary restricted license to drive to work, but the attorney would want thousands of dollars, and the Dickinson Police would just cause me to lose my restricted license as soon as possible.

I would not have had any idea that I was getting a total of nine points on my driver’s license by paying the $40 ticket and the $140 ticket from this traffic stop.  I would not have gotten any notification about the nine points on my driver’s license, because I have an Idaho driver’s license.  Any mail from the state of Idaho would be sent to my home or my P.O. box in Idaho.

I have to keep my Idaho driver’s license and do other things like pay state income tax to Idaho, as well as North Dakota, to legally claim Idaho residency.  My home in Idaho is protected from any kind of lawsuit judgement if it is my primary residence, my homestead, but not if it is classified as a second home or investment property.

Getting back to the point, I keep getting stopped so frequently by Law Enforcement in Dickinson, because they are trying to stop drug crime, that I am in danger of having my driver’s license suspended, being arrested for unwittingly driving on a suspended license, losing my job, having no way to earn a living, losing my apartment, and not even being able to drive my equipment and vehicles back to my home in Idaho.

I spent some time looking up on the internet the Police Officer who stopped me and gave me the ticket on Monday night.  He graduated from Dickinson State University about one year ago, he became a Police Officer about six months ago, and he is about 25 years old.

I called the Dickinson Police Department late Tuesday night when this Police Officer was back on duty, and I said that I wanted to ask him some questions about the ticket he gave me, and that I would like to meet him somewhere if possible.  The Dickinson Police Department got a hold of him, and he called me back.

I asked him if I had not found the State Farm Insurance card on my phone, would he have written me a ticket for failure to have liability insurance, he said yes.  I asked him if he would have told me that this ticket for not having insurance carries a six point penalty on your driver’s license, he said yes.  I explained to him, that I had no idea that paying the $140 ticket for failure to have liability insurance means that you agree that you have no liability insurance, I did have liability insurance.

I tried to explain to him again, better than I explained it to him on Monday night, that I understand that the Police are trying to detect crime, but the way that the Police are scrutinizing my driving, and the frequency at which the Police are stopping me, that I am going to lose my driver’s license.  I don’t think that I can drive perfectly all the time.  I am not a criminal, but the Police are turning me into a criminal, to where I am going to end up driving on a suspended license.

I briefly explained that the way that the Police are stopping me so often, that I am going to lose my driver’s license, then lose my job, then lose my home.

This Police Officer explained to me that he was just doing his job.  That he has to enforce traffic laws for public safety, people can’t speed and run stop signs just because they want to.  I explained to him that I don’t speed, that I drive slow, I am always being tailgated, and that I have to pull over to let people pass me all the time.  I didn’t run the stop sign, I just didn’t come to a complete stop.

After I got off the phone with this Police Officer, I had the impression that he believed that he was just doing his job, though I don’t think that he understands the impact of what he is doing.

People are supposed to have the right to travel freely in the U.S.  The whole point of the first communities in the U.S. creating government and Police Officers was to maintain peace and order, not for the Police to hide and sneak up on citizens to try to get them for something like the citizens are prey, enemies, or criminals.

If there is supposed to be a curfew at night in Dickinson, which I agree with, then this law should be voted on by citizens and then published as law.  In effect, what the Police in Dickinson are doing, is they have created a curfew law all on their own.  I see very few people driving at night in Dickinson, and I think that it is because they are scared of getting stopped by the Police and cited for something.

It has been pointed out to me by other people, which I realized was the truth, new, clean, expensive vehicles in Dickinson do not get stopped by the Police.  I just about never have seen a new, clean, expensive vehicle stopped by the Police in Dickinson, its always older less expensive vehicles that get stopped by the Police.

Getting Stopped By The Police Again In The Dickinson Prison Work Camp

This past year, I realized that what Dickinson, North Dakota is really like, it is like a Prison Work Camp.

For more than a year, I have been writing again and again, over and over, that I can’t even drive to work, or drive to the grocery store without the Police following me, stalking me, and trying to pull me over for something.

Back on March 8, 2018 I wrote a blog post article titled, “Getting Stopped By The Police In Dickinson, North Dakota”.  Here are some quotes from what I wrote back in March of 2018:

“I have written again, and again, and again, and again about not being able to go out at night in Dickinson, North Dakota because the Police are so eager and aggressive in stopping people for DUI, or trying to discover illegal activity.”

“At about 5:00 p.m., I drove from the restaurant to visit my friend at his home, who is old and in bad health.  At about 6:30 p.m., I drove to Dairy Queen and got an ice cream cone.  I was driving home from Dairy Queen on Villard Street, when a Dickinson Police car made a U-turn, came after me, followed me, and stopped me.  This turned an ordinary evening and outing, into an unwanted stressful situation.”

“I am so sick of this in Dickinson, being followed by the Police, so that they can think of a reason to pull you over, to try to give you a DUI, or find something else to charge you with.”

Tonight, September 30, I waited until 10:15 p.m. to go to WalMart so that the store would not be crowded.  I bought about $30 worth of groceries at WalMart, and then I drove home.  I drove at about 30 mph to the store, and at about 30 mph home from the store, I was not in a hurry at all.  When I got to the four-way stop at the intersection of 10th Avenue East and  21st Street East, I thought that I came to a complete stop, and then I made a right turn.

A Police Officer made a U-turn, came after me, followed me while he ran my license plate, then he pulled me over for failure to come to a complete stop at the stop sign.  I almost got a $140 ticket for failure to have proof of insurance, because I had the insurance card on my phone, but I wasn’t able to find the insurance card until the last minute.  I did get a ticket for failure to stop at the stop sign, $40 and three points against my license.

Six weeks ago I wrote about getting stopped by the Police in Dickinson, North Dakota, in a blog post article titled “Dickinson, North Dakota Is A Prison Work Camp”.  Here are a few quotes from what I wrote six weeks ago:

“In the past two years of living in North Dakota, I have been stopped by Law Enforcement more times than in my previous thirty-two years of driving.”

“I dread going anywhere in North Dakota, especially just going to the grocery store, going to work, or coming home from work.  In the past thirty days, while I was driving at the speed limit, not doing anything wrong, Law Enforcement that was travelling in the opposite direction, has made a U-turn after passing me, in order to come after me.”

“What Law Enforcement is trying to do, is stop me, ask me questions, and look in my vehicle in order to get me for something.”

I have been stopped three times by Law Enforcement in North Dakota in the past sixty days.  None of it was for speeding, because I drive slow, I am trying to be careful, and I am trying not to be stopped.  But I am learning that there seems to always be something that the Police can get you for, even if you are trying not to be pulled over.

In sixteen years of driving in Florida, from when I was sixteen years old to when I was 32 years old, I was stopped a total of three times by the Police, each time for speeding.  In ten years of driving in Colorado, Arizona, Utah, and Idaho, I was stopped twice by the Police, once for speeding, once for a headlight out.  This is not normal to be stopped by Law Enforcement three times in sixty days, but this is North Dakota, and I am warning people not to move here.

What Dr. Thomas Mitzel Started But Wasn’t Allowed To Finish, DSU Becoming A Polytechnic Campus

In my previous blog post, I wrote about Dr. Thomas Mitzel giving his resignation as President of Dickinson State University, and leaving to become President of Kentucky Wesleyan College.

I knew that Dr. Thomas Mitzel would probably leave DSU sooner or later, because the town of Dickinson and North Dakota are difficult for normal people to live in, especially educated people.  It is very cold in North Dakota, and this area of western North Dakota is mostly barren, undeveloped grassland prairie.  The desolate landscape, very cold weather, and attitudes of the people here have helped to keep the entire population of the state of North Dakota below 800,000 people.

Regardless of whether North Dakota is inviting or not, there are several oil and natural gas formations about 6,000 feet underground, that caused an oil boom in the 1950s, late 1970s, and 2007 through 2014.  A couple hundred thousand people came to North Dakota to work in the 2007-2014 oil boom, at jobs that paid higher than average.

All across the U.S., there was the widespread complaint that college graduates with large student loan debt were unable to find employment in their field of study, good paying employment, or even any employment at all.  At this same time, many traditional Liberal Arts colleges were closing due to not being profitable.

Higher education in the U.S. is changing due to several factors.  More colleges and universities are offering online college course work because it is less expensive for many people because they don’t have to relocate to a college town, commute to a college town, or give up their normal 9 a.m. to 5 p.m. job to attend classes.

Another factor that is changing higher education is that employers simply want people who are ready and capable to go to work for them.  Traditional four-year college Liberal Arts degrees in majors like English, History, Religion, Philosophy, Art, Political Science and Communications aren’t exactly what many employers are looking for, especially in industries like health care, manufacturing, oil and gas.

Dr. Thomas Mitzel was aware that many traditional Liberal Arts colleges were closing, online college course work was competing with traditional college classrooms, many college graduates with Liberal Arts degrees were unable to find employment, and that industries with high paying jobs like health care, manufacturing, oil and gas wanted applicants with technical training.

In order to save DSU, or perhaps to even cause DSU to grow and thrive, DSU could continue offering four-year Liberal Arts degrees, but at the same time begin offering technical training that was specifically what industries and employers wanted.  Dr. Mitzel had a meeting in Bowman, North Dakota where he explained what he had in mind.  Here are some quotations as reported by the Bowman County Pioneer newspaper in their article https://bowmanextra.com/2018/09/21/dsu-looking-to-become-polytechnic/

“We will always remain a Liberal Arts institution,” Mitzel said. “But becoming a Polytechnic dual mission would allow us also to be able to offer certificates and practical courses.”

Mitzel has had three meetings with a manufacturer strategic group — the last one lasting for five hours….where it was discussed, “What are some of the needs that they have? We really sat down and went over every industry that was there,” Mitzel said. “What was their workforce needs? And we tried to find common ground. We found about eight areas of common ground in education that they need, going over everything from a certificate to a two-year degree.”

Mitzel said the programs are going to be career focused based on what industries want. DSU will be emphasizing real-world applications. Mitzel’s goal is to see 100 percent of the students complete an internship before they graduated.  Mitzel said it doesn’t just help the student prepare to enter the workforce, but it also helps potential employers find suitable employees.

This Bowman County Pioneer newspaper article concluded with some statements about Dr. Mitzel’s continuing discussions with faculty and administrators on the DSU campus, and his expectation of making proposals to the North Dakota board of education in the Spring of 2019.

After this newspaper article was published in September of 2018 announcing that DSU could become a polytechnic campus, I didn’t hear very much more about it.  I thought that this was an incredibly good idea, that would solve a whole bunch of problems at the same time:  increase enrollment at DSU; give DSU a unique mission and roll in North Dakota; attract college applicants from all over the U.S. with its technical training; enable oil field workers to obtain higher level technical jobs; allow local recent high school graduates to obtain training for technical jobs in the oil field; allow local oil companies to participate in the education curriculum; and for DSU to receive additional funding from the oil and gas industry.

When I didn’t see announcements about DSU beginning to offer technical training in oil field technology such as instrumentation, automation, controls, and safety, I believed that the State of North Dakota had squashed Mitzel’s plans.

Just like the Governor of North Dakota helped to steer the Theodore Roosevelt Presidential Library and Museum away from the DSU campus and Dickinson, I believe that other people in North Dakota government did not want Dickinson State University to grow and prosper by becoming successful as a polytechnic school.

My belief is, that the State of North Dakota does not want Dickinson to grow, or DSU to grow, because it does not want state money to go to this area.  I partly understand this, because the people in Dickinson really do act bad in all kinds of ways, very primitive at times.

Why Companies Have Become Corrupt And Unethical

In my previous blog post, I wrote about going to a branch of Dakota Community Bank in Dickinson where I have a checking account, and asking a banker if someone stole a check out of my checkbook, forged my signature, and wrote out a check payable to themselves or someone else, would the Bank reimburse me when I discovered the money was missing from my account.  The banker replied, “No”.

I thought that I knew the law, but I wanted to see what banks in Dickinson thought the law was, and how they would handle fraudulent transactions on my account.  Though I was shocked at the banker’s response, I was afraid that that is what it would be.  I needed to know this, because now I know what to expect from this Bank if something goes wrong, denial of liability, and a fight with the Bank.

It turns out that banks are governed and regulated by a branch of the U.S. Department of the Treasury called “The Office of the Comptroller of the Currency” or the OCC for short.  The OCC says that banks are liable for reimbursement of forged checks, however there are a couple of pleas that banks use to try to get out of this liability.

In this blog post, I want to tell a story that was probably my first introduction to the institutional practice of large companies denying legal liability, in situations where they absolutely have legal liability, and their reasons for this tactic.

Almost twenty years ago, I was working for an elderly man who had at one time been the vice president of one of the largest commercial insurers in the U.S., I believe that he said it was USF&G.  One day, he wanted to tell me this story:

His company, USF&G, had a client whose parked vehicle was struck by a person driving another vehicle.  The parked vehicle was completely destroyed in the accident.  The driver of the other vehicle was insured, but his insurance company delayed and delayed paying for the damage.

At the vice president level, he did not normally handle the day-to-day business of individual accidents and insurance claims, but this particular case had risen through the different management levels at USF&G, because the other insurance company was delaying, refusing to pay for the damage to the USF&G client’s vehicle.

He got on the telephone with someone at or nearly at the level of vice president at the other insurance company and he said, “Look, you have no legal basis for not paying this claim, why won’t you pay this claim?”  The person at the other insurance company, with pride and satisfaction gave the following reply:

“We have found, that when there is an individual who is elderly in age, like your client, when there is an accident and they are owed money, if we delay and wait in paying the claim, often times they will die due to old age.”

The former vice president of USF&G said that the following day, a memorandum was issued to all departments at USF&G, stating that if anyone was ever caught trying to not pay a claim because the claimant was elderly in age, they would be out of a job.

Since hearing this story, I have read several newspaper stories over the years, where large banks and utility companies deny legal liability, because they have so many employees, so many millions in assets, and full time legal staff, that they feel that they don’t have to follow the law or treat customers in compliance with the law.

I have written before about newspaper stories where utility company customers enrolled in automatic bill pay have had all of the money taken out of their checking account for erroneous $10,000 water bills or electric bills.  The frantic customer contacts the utility company about the charges being a mistake, and explains that their normal water bill or electric bill is only $100 each month, how could they possibly have a $10,000 bill for the month?

In these cases, the utility company often sends the following response:  “Dear Customer, we have received your letter contesting the charges to your account.  We have conducted an internal investigation, and we can not find any error on our part.  The charges are correct, and are currently due.  Please let us know if we can be of further assistance.”

I have also written about newspaper stories where all of a bank customer’s money has been removed from their checking account through an erroneous debit card transaction, often for fuel at a gas station.  A debit for $8,000 worth of gasoline will appear on a customer’s account for one fuel stop at a gas station.  The customer will call the bank and explain that the charges are false, their vehicle fuel tank only holds $60 worth of gas.

In some cases, the gas station will side with the customer, saying that there is no way that this customer received $8,000 worth of gas, and the bank’s response is, “The charges have been approved, and they have gone through.  There is nothing that we can do at this time.”

Recently, a friend of mine who just turned sixty, he has been complaining to me about the tactics that he feels Sanford Health Care is using to deny him surgery.  About a year ago, he enrolled in Sanford Health Care medical insurance.  As part of this insurance plan, you are required to receive treatment at Sanford Health Care.

There are two different surgeries that he needs, he is almost always in pain due to his medical condition.  Though the medical doctors that have evaluated him, acknowledge that he has these specific medical problems that require surgery, he has been delayed and denied surgery.

When answering questions that the medical doctors have asked him, he did not know that they were seeking reasons to delay and deny him surgery.  In particular, they asked him, “How many days of work have you missed due to this medical condition?”  And he replied, “None”.

The reason why my friend replied none, is because he can’t miss work, he is not allowed to miss work.  I know the situation that my friend is in, and I know for a fact, without any doubt, that if he tried to not show up for work more than twice, that he would be out of a job.  The medical doctors took his response that he has missed no work, to mean that his condition does not require surgery at this time, when that is not the case at all, he is not allowed to miss work, and he is in pain all the time.

The other thing that my friend thinks that Sanford Health Care is doing to him, is delaying surgery in the hope and expectation that he will just die.

In the examples that I have just given about the banks, insurance companies, and utility companies, they have so many employees, so many millions of dollars in assets, and full time legal staff, that they are insulated and protected from caring, from guilt, from remorse, from responsibility, from personal legal liability and recourse.

The employees of these companies all go home at night and eat dinner, watch TV, and go to sleep without guilt, shame, or remorse, feeling no responsibility for taking all of someone else’s money, refusing to pay people money that they are owed, or denying people medical care that they need.  In fact, many of these employees are celebratory and proud of themselves for the money that they have saved their companies from paying, though legally they should have paid.

Getting The White Trash Treatment Again At Dakota Community Bank

To begin with, I want to say that all of the Bank Tellers at every Dakota Community Bank branch that I have been to, have always been very professional, competent, friendly, quick, and helpful.

Also, the several times that I have met and spoken to the Branch Manager at Dakota Community Bank, they have been professional, cordial, knowledgeable, and honest with me.

However, I don’t like it when I am given the “White Trash” treatment, being treated like I am a dumb, ignorant, uneducated, poor, know-nothing, which has happened to me twice at Dakota Community Bank.

The first time that this happened, was when I was opening a checking account with Dakota Community Bank a couple of years ago.  I was told that the Bank had to perform a credit check on me before I could open an account with them.  I was about 48 years old at the time, I currently had four different checking and savings accounts with three other banks, and I had never, ever, been told that I needed to have my credit checked in order to open an account at a bank.

At this time, when I was reading and selecting the options for this checking account with Dakota Community Bank, I asked, “This debit card, is this an additional service, or does this come with this checking account?”  The Bank employee said, “If you are denied for your checking account, you will be denied for the debit card too?”  That was not what I was asking, every other bank account that I had automatically provided an ATM/debit card with the account, I was trying to ask if this was a separate service, because this appeared to be called out separately.  I was insulted and angry about this talk of me being denied a checking account.

Today, I went into a Dakota Community Bank branch, to ask some questions about getting a safety deposit box.  I wanted to ask about box size, and fees, but I had other questions too.  I said to the Bank Teller that I wanted speak to someone in an office, I didn’t want to ask my questions out in the lobby where everyone could hear me.

In hindsight, I think that the person who I ended up speaking with, was probably the same woman that I was unhappy with two years ago when I opened my checking account, when I first received the “White Trash” treatment.

I explained that I had some questions.  Because I live by myself, I had gotten into the habit of leaving car titles laying out in my apartment, and leaving my checkbooks out in my apartment, not locked up.  Even though I had something that was large and heavy that I use as a safe, two people could probably carry it off, so even if I locked up my extra car keys, car titles, extra checkbooks, and cash, it could just be carried off when I wasn’t home.

I then asked a question about something that had been bothering me for a while.  I was afraid that banks would probably be dodgy and evasive in answering this question, and how they would handle the situation that I was going to ask about.  I asked, “If someone was in my apartment while I was at work, and they removed a check from the back of my checkbook where I would not notice, forged my name, and wrote out a check payable to themselves or someone else, would your Bank reimburse me for this loss when I discovered it?”  Her reply was “No”.

I was in disbelief, though I had feared that I would be given an answer like this from a bank.  When I took a Business Law class in high school, I am pretty sure that this is where I learned that banks are liable for forged checks.  I was also pretty sure that I had at one point looked up this law.

My belief and understanding was, that part of the banking industry practice, was to authenticate an account holder’s signature on checks, and that if a fraud was committed, the bank would assume liability, reimburse the erroneously paid funds to the account holder, and that the bank would pursue legal action against the person who perpetrated the fraud.  The bank is insured for this type of fraud, it is part of the cost of doing business, it has staff and expertise in discovering and pursuing this type of fraud.

I tried to explain that I had had the belief that banks were liable for forged checks, and that this was part of the FDIC insurance program that banks were enrolled in.  She replied, no, FDIC insurance only covers account holders when banks become insolvent.

This is what I was worried about, that banks and bank employees would try to deny that the bank was liable for forged checks, even though the law says otherwise.  Though I expected that this could happen, I didn’t know if it would be from ignorance of the law, or a deliberate attempt to deny liability, refuse to pay, stonewall the customer, wear him down, and make him give up.

I had for many, many years, left my checkbooks in my briefcase inside my vehicle when I went to work, went out to eat, and often overnight when my vehicle was parked out on the street.  I was confident that I would be reimbursed for stolen and forged checks.  However, I have seen so many wrong things going on in Dickinson and North Dakota, that I was suspicious about how banks and bank employees in Dickinson would handle stolen and forged checks.

Stop and think about this, if anyone at any time could get a blank check out of the middle of your checkbook, write a check and forge your name, and take all the money out of your checking or savings account, and the bank would not reimburse you for this theft when you discovered it, why would you even keep money in a checking or savings account?  Do you think that you as an individual would have any chance recovering the stolen money from the forger after it was spent?  This is what banks have a fraud department and insurance for.

When I got home, I looked up on the internet, “are banks liable for forged checks”, and eight out of the eight sites that I have looked at so far, say that yes, banks are liable for reimbursing account holders for forged checks.  Here are some sites that you can go look at and see for yourself:

https://pocketsense.com/liable-forged-checks-11972.html

https://budgeting.thenest.com/liable-forged-checks-24116.html

https://www.sapling.com/6190100/liable-forged-checks

https://business.laws.com/negotiable-instruments/banks-and-customers/forged-signature-on-checks

If you looked at and read any of the above links which are supposed to answer the question about banks being liable for forged checks, you would see that although banks are liable for reimbursing account holders for forged checks, banks can try the legal plea that they were “acting in good faith” and “used diligence” in order to try to get out of repaying account holders.

So what is the truth?  The truth is, that all national banks in the U.S. are governed and regulated by a branch of the U.S. Department of the Treasury called “The Office of the Comptroller of the Currency”:

“The OCC charters, regulates, and supervises all national banks and federal savings associations as well as federal branches and agencies of foreign banks. The OCC is an independent bureau of the U.S. Department of the Treasury.”

“To ensure that national banks and federal savings associations operate in a safe and sound manner, provide fair access to financial services, treat customers fairly, and comply with applicable laws and regulations.”

To find the absolute definitive answer to my question, the OCC answered this question on this link: https://www.helpwithmybank.gov/get-answers/bank-accounts/forgery-and-fraud/faq-banking-fraud-02.html :

Financial institutions are generally required to reimburse customers for forged checks. However, based on individual circumstances, the bank can investigate to determine if the customer is entitled to a reimbursement.

Whether the bank is liable for the customer’s loss depends on the specific circumstances of the case. Generally, a bank is liable for accepting a check that has been forged, altered, or improperly endorsed. However, if the bank can prove two things—that it accepted the check in good faith and exercised ordinary care and diligence in handling the transaction—it may not be liable.

If your actions—the way the check or checkbook was handled, issued, completed, or made payable—contributed to the making of the forgery, you may be at least partially liable. Generally, the bank will require you to complete an affidavit. It may also request that you file a police report.”

Further, if you have any problems with a bank failing to reimburse you for a forged check, no matter what the bank claims, the OCC wants you to contact them at Phone: (800) 613-6743.  I called this number and I spoke to an agent, even though I told the agent that I did not want to file a complaint against Dakota Community Bank at this time,  I just wanted to get some information, they still insisted that I give them all of my personal information and the bank name and location for their records.

Again, why is Dakota Community Bank treating me like stupid, ignorant, uneducated, poor, know-nothing White Trash, telling me that banks aren’t liable for forged checks?  This lets me know, that Dakota Community Bank is probably going to do everything it can to not reimburse customers for fraudulent transactions, regardless of what the law says.  You will probably have a fight on your hands with the Bank if anything goes wrong.

Unfortunately, what is happening with large companies now, whether they are insurance companies, utility companies, credit card companies, or banks, they will take all the money out of your account, allow all of the money to be taken out of your account, or fail to pay money that they owe you, and just laugh at you, because they are a large corporation with millions of dollars in assets and full-time attorneys on staff, and you are just an ordinary person, what can you do to them?  An individual could spend all of their time and money going through the legal system against a large company and not get anywhere.

Amazement And Enjoyment When People In Dickinson Get What Is Coming To Them

Though most people would think that it is perverse, sinister, and sick, that I get so much enjoyment out of bad things happening to people in Dickinson, I not only admit to it, I want to talk about it.

Never, ever in my life had I personally witnessed so much cruelty and hatred towards other human beings, as I saw and experienced in Dickinson, North Dakota during the oil boom that occurred from 2007 through 2014.

There is no where in the United States with more vacant, barren, undeveloped, unoccupied cheap land, than in the Dickinson area, but due to greed, wickedness, and evil in the hearts of people in Dickinson, there became a false and manipulated “housing shortage”, in order to fleece, extort, abuse, and take advantage of the people who came here for work.

The local people in Dickinson were mean and cruel to the out of state workers in just about every way.  As neighbors, co-workers, business owners, and landlords the local people in Dickinson were mean, hostile, unfriendly, uncooperative, hateful, undermining, and sabotaging.

I relish, savor, rejoice, and give thanks when something very bad happens to people in Dickinson who did something to me.

In my mind, I keep a list of everything and everyone who has done something bad to me in Dickinson, and I check them off every time something bad happens to them.  I would like it even better if I created a written list to look at, of very bad things happening to people who did something to me:

D.S. – interfered with me having a place to live – dead

N.F. – interfered with me having a place to park my equipment – stroke, paralyzed

J.K. – interfered and endangered me at work – skull crushed

M.C. – interfered and endangered me at work – cancer

M.D. – interfered and undermined me at work – cancer

C.S. – interfered with me at work – lost business, left town, end of career here

J.M. – caused me problems at work – being sued for money, lose professional license

R.V. – interfered with me getting hired – arrested, lost job, publicly humiliated

K.H. – interfered with me at work – lost job, arrested, left town, publicly humiliated

E.D. – interfered with me at work – lost job, left town

D.C. – interfered with at work – lost job, left town, end of career here

R.R. – interfered with me at work – lost job, left town, end of career here

L.F. – interfered with me at work – lost job, left town

M.G. – interfered with me at work – lost job, left town, end of career here

W.H. – nasty/disrespectful to me at work – lost job, left town

H.W. – interfered with me at work – lost job, left town, end of career here

Steve ? – interfered with me at work – lost job

Kelly ? – interfered with me at work – lost job, left town, end of career here

I honestly and truthfully like it when bad things happen to people who did something to me.  I hope that more, and more, and more bad things happen to the people in Dickinson who deserve it.

I am not claiming that nothing bad will happen to me, it probably will.  However, regardless of what happens to me, I want to live and endure long enough to see everyone in Dickinson get what is coming to them.

I have wanted to do this for a couple of years, to list the specific terrible things that I want to happen to specific people in Dickinson, and perhaps I will write this list too.

Look For People With Phones Taking Pictures Of Your Property In Dickinson, North Dakota

In May through July of this year, I had to telephone the Police in Dickinson about seven times due to the theft or attempted theft of my property, or other people’s property in downtown Dickinson where I live.

What my neighbors noticed in June, was that people would walk beside our vehicles with their phone held out in front of them or beside them, taking pictures of what was inside our vehicles.

In late June, one of my neighbors got in his vehicle, and he tried to follow and take a photo of one of the people who was doing this, but he tried to turn away, and get away in order to not be photographed.  This particular person was arrested out on the street about three hours later for several different charges unrelated to the photographing of property inside people’s vehicles.

Since then, I have caught two other people photographing what was in the back of my truck or inside of my vehicle.  In July, one of these people was a young, plump, red haired girl that was about 14 years old that was out walking her small dog.  I was across the street sitting in my truck talking on the phone one evening, watching this girl walk around the corner and walk down the sidewalk, then she stopped at the back corner of my other vehicle, took her phone out, and began videoing what was inside this vehicle of mine.

I had to stop my phone call, quietly get out of my truck, crouch down below the roof of my other vehicle across the street, sneak over there, and when I stood up at the front corner of my vehicle, the very first thing that she did was try to hide her phone.  I was not mean to her, I explained to her that I had had my property stolen from my vehicle recently, why was she videoing what was in my vehicle?

I waited for her to walk away and around the corner, then I drove down a parallel street, until I could see what house it was that she returned to.  Was she spotting things to steal for an older brother, or do people pay kids to locate things to steal?

The second person that I caught videoing what was in my truck, was in late August.  Me and my neighbor were working on his car on one side of the street, and I looked over to see a skinny man about 27 years old, walking on the other side of the street where there is no sidewalk, walking in the street, passing just an inch beside each vehicle, with his phone held out in front of him, pointing inside of these vehicles.

No, he was not on his phone having a conversation.  No, he was not out getting some exercise.  I waited for him to get to the next corner, where he made a right turn to head east.  I got in my truck, and I followed him, staying about a block away.  At the very next corner he made a right turn, to head south.  When he got to the next corner, he saw me, and he stopped.

It appeared that he lived about one block away, whether it was the shitty house on the corner, or the apartment building across the street, I don’t know.  But he saw me, and he knew, that I knew what he was doing.

For those of you who don’t know what I am talking about, people leave things in their vehicle:  phone, phone charger, music CDs, wallet, purse, laptop computer, camera, radar detector, tools, etcetera.  Rather than stand there for a minute looking through a car window at the dashboard, front seat, back seat, back window, and trying to determine what is there, what kind of stereo is there, what is it worth, is there a car alarm, the thief can just walk by with his phone and video everything in one pass.  He can look at the video later to see what is inside each vehicle.

It appears, that if the people who are doing this are spotted and followed, especially if they are followed all the way back to where they live, and they realize that they have been followed, they temporarily give up their theft plans for that route where they were caught.