[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***We have talked and I am satisfied with the solution
Regards,
*** ***
Guaranty Bank is responding to a complaint from Chimere *** in regard to two transactions which you stated were unauthorizedThese transactions were returned due to insufficient funds and you were charged return check/item fees and a continuous overdrawn feeOn January 27, your account
received a credit for the 5-$fees that you incurred for these transactionsWe thank you for bringing this issue to our attention and we apology for the service issues you encountered in getting a credit for these fees
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Guaranty Bank has tried to reach Kenneth *** by phone and has left messages but we have not received a return callWe also sent an email and received no responseTo settle this account, Kenneth should contact John at ###-###-#### at his earliest convenience
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Guaranty Bank is responding to a complaint
from ** *** in regard to her account which became overdrawn due to having
insufficient funds to cover Planet Fitness and Paypal transactionsThese
transactions were returned and return item fees were assessedWe thank ** ***
for contacting us in
regard to the balance owed on this account.*** ***
from our Loss Prevention area worked with ** ***She agreed to deposit $in
the account and the bank would forgive the remaining amount owedThe $
deposit was received on 11/4/and the account is now closed with a $
balanceUnfortunately this account cannot be reopened but ** *** can go into
any of our branch locations to open another account and we would love to have
her back as a customer again
Guaranty Bank is responding to the complaint from *** *** in regard to debit card denials and the request for an ATM cardWe apologize for the issues that *** *** has experienced***, our Customer Service Operations Specialist, reached out to him by phone and let him know that his
current debit card has been unlocked and he can use the cardAn ATM card had already been ordered and is in the mailIf *** *** has any other questions or concerns he can contact *** at ###-###-####
Guaranty Bank is responding to the additional concerns from *** *** ***, the Market Manager, has contacted *** *** to let him know that he is working to add a message to his account requesting the teller ask for identification *** is updating *** *** on the progress of adding this message and it is anticipated that it will be completed within the next days
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Guaranty Bank is responding to the complaint from Rosalind BakionThe bank strives to provide excellent customer service and when that does not happen we take prompt actionI want to thank you for bringing the service issues to our attention and I also want to apologize for the inconvenience they
have causedThe service issues have been shared with our Market and Regional ManagersYou indicated that the garnishment was processed in error and you asked the bank to refund the garnishment fee and other fees that overdrew the accountYou provided the Order Vacating Judgment as requested. All fees were refunded on 11/21/and the account shows that no monies are owedThe Chex record has also been deletedThe bank cannot reopen your account, but you can go into any branch and open a new accountWe apologize for the inconvenience this has caused
Guaranty Bank, which does business as *** in *** and ***, is responding to the additional concerns from *** *** regarding ID ***.In the complaint *** said she had enough money in her account when she rented the hotel roomA review of her transactions show that she did have enough money in her account after renting the hotel room but then used her debit card for additional transactions that overdrew her account and that is why she incurred overdraft feesPrior to the complaint, as a customer courtesy, the bank provided one courtesy overdraft fee reversal in the amount of $which was credited to her account on 1/22/The bank contacted *** by phone when it received the complaint*** said she understood why she received the overdraft feesAs a customer courtesy it was agreed that the bank would provide an additional reversal of the $continuous overdrawn fee which was credited to her account on 1/26/16.The bank has reviewed the account history to ensure the fees were charged as disclosed which they wereThe bank has provided the customer with courtesy reversals of two of her fees
Guaranty Bank (dba BestBank in Michigan and
Georgia) is responding to the complaint from *** ***, the Regional Manager, spoke
with *** *** in regard to the service issues and bank overdraft fees
The bank strives to provide excellent customer service and when
that does not
happen we take prompt actionWe want to thank you for bringing these issues to
our attention and we also apologize for the inconvenience they have
caused.*** reviewed how
the account became overdrawnPrior to the complaint two overdraft fees were
refunded***, as a customer courtesy, refunded the remaining five overdraft fees
on 5/7/She suggested that *** may want to opt out of the overdraft
service for ATM and everyday debit card transactions to avoid overdraft fees for
these transactions going forwardWhen you opt out these transactions will be
declined when you do not have enough available funds in your account and no
overdraft fee is chargedTo opt out call ###-###-#### and choose Option 6, or log in to Online Banking and choose Customer Service and Change ATM/Debit Card
Overdraft, or visit the local branch
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
*** Kelley's information conflicted with information I was provided from bank tellers and managers of storesShe also stated I would receive a call from her boss, someone named *** ***I have still not received that callI am very concerned that everyone I speak with at Guaranty seems to provide conflicting informationI want *** ***'s boss to call me to explain why no one at your bank seems able to provide consistent answers
Guaranty Bank is responding to a
complaint from *** *** in regard to overdraft fees*** incurred
overdraft fees as disclosedPrior to the complaint she received a courtesy
overdraft fee reversal for two fees on 11-Brandon, our Customer Service
Operations Specialist, contacted
*** and reviewed alternatives that could
help her reduce or overdraft fees including:Opting
out of the overdraft program for ATM and everyday debit card transactionsWhen
you opt out these transactions will be declined when you do not have enough
available funds in your account and no overdraft fee is chargedTo opt out
call ###-###-####, Option *Transferring
to a Relationship Checking account which has no overdraft service or overdraft
feesThere is a monthly service charge of $for this account*** received an additional two
courtesy overdraft fee reversals as she has been a long term customer of
Guaranty Bank
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Guaranty Bank would like to work with you on this
issue. The bank called the phone number listed in the complaint - ###-###-#### - on Aug at 3:52pm, Aug at 4:pm and Sept at 10:amPlease contact *** in our Customer Service Center at ###-###-####He will work with you on this issueYou can also provide a copy of the screen shots to him or send them via mail in the postage paid envelope that was sent today
Guaranty Bank is responding to a complaint from *** *** in regard to overdraft fees applied to his account over the Memorial Day weekendCatheryne from our Customer Service Center tried to reach you by phone but she was not successful
Your overdrafts occurred on May 23rd and the
transferred funds would have needed to be in the account on the 23rd to avoid the overdraft feesYou processed the transfer on May 25th after the overdrafts had occurredThe system alerts customers that transfers done after pm CT on a non business day, may not be processed until the following business day
You indicated in the complaint that you have CLEAR CoverageThis service provides overdraft coverage at a cost of $per item for overdrafts totaling no more than $in paid items and fees exceeding the accounts available balance in a single dayStandard per item overdraft fees apply beyond the $grace zoneYou incurred one CLEAR Coverage grace zone overdraft fee of $and standard overdraft fees of $
We reviewed the call you placed to our Customer Service CenterAt the time you called a Supervisor was not available and the rep asked if the Supervisor could call you backYou indicated you wanted to hold and you were on hold for minutesWhen the CSC rep went back to the call you had disconnectedAs a customer courtesy, the bank will refund an additional $fee which will be credited to your account on 6/11/You previously received credit for the $overdraft feeYou have had multiple fee reversals in the past
Our records indicate that you have cancelled the CLEAR Coverage Service and have opted out of the overdraft program for ATM and everyday debit card transactionsATM and everyday debit card transactions will be declined when you do not have available funds in your account and no overdraft fee is chargedThis will help you avoid overdraft fees for those transactions
You can also link a savings account to your checking account for automatic transfers to cover overdrafts at a cost of $per transfer
If you have any questions, please contact Catheryne in our Customer Service Center at ###-###-####
Guaranty Bank is responding to a complaint from *** *** in regard to the bank's request for verification of the account address, the locking of the account until the documentation was received and the return of a direct deposit due to the lockoutWe apologize that the branch did not open
the correct accountFederal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an accountYou requested that the accounts be closed and the bank has closed both accounts (ending in and 3400)The bank will refund the late fee you incurred due to the return of the direct deposit once documentation of the late charge for the house payment is providedPlease fax the documentation to ###-###-#### no later than 11/15/Once received, a check will be mailed to the address listed in the complaint
Guaranty Bank, which does business as BestBank in Michigan and Georgia, is responding to a complaint from Eric *** in regard to his Credit BuilderMr*** is correct in stating that his Credit Builder can be cancelled at any timeThe Credit Builder Disclosure and Promissory Note, which he
signed, states if the Credit Builder is cancelled: The Bank will then disburse to you an amount equal to the principal of each installment that you paid on this Credit Builder plus interest accrued on the Deposit at the rate disclosed to you when the Deposit was originated, less any early withdrawal penalties required by your Deposit agreement or applicable lawThe Note also states: If you make all payments by or within twenty-nine days of their due dates for the full five-year term and if your credit score does not improve, all interest that you paid will be refunded to youYou stated in the complaint that you were not aware that this was a loanOur records show that you set up automatic loan payments and have made payments on the loan since it was taken out on 9/5/You also receive monthly loan billing statements showing the principal and interest which has been paidThe Promissory Note which you signed discloses the loan termsIf you want to close the loan, you will receive the principal you paid on the loan plus the interest earned on the certificateYou could wait until after you make payments for the full five year term and if your credit score did not improve, you will get back the principal and interest on the loan and the interest on the certificate
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***We have talked and I am satisfied with the solution
Regards,
*** ***
Guaranty Bank is responding to a complaint from Chimere *** in regard to two transactions which you stated were unauthorizedThese transactions were returned due to insufficient funds and you were charged return check/item fees and a continuous overdrawn feeOn January 27, your account
received a credit for the 5-$fees that you incurred for these transactionsWe thank you for bringing this issue to our attention and we apology for the service issues you encountered in getting a credit for these fees
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Guaranty Bank has tried to reach Kenneth *** by phone and has left messages but we have not received a return callWe also sent an email and received no responseTo settle this account, Kenneth should contact John at ###-###-#### at his earliest convenience
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Guaranty Bank is responding to a complaint
from ** *** in regard to her account which became overdrawn due to having
insufficient funds to cover Planet Fitness and Paypal transactionsThese
transactions were returned and return item fees were assessedWe thank ** ***
for contacting us in
regard to the balance owed on this account.*** ***
from our Loss Prevention area worked with ** ***She agreed to deposit $in
the account and the bank would forgive the remaining amount owedThe $
deposit was received on 11/4/and the account is now closed with a $
balanceUnfortunately this account cannot be reopened but ** *** can go into
any of our branch locations to open another account and we would love to have
her back as a customer again
Guaranty Bank is responding to the complaint from *** *** in regard to debit card denials and the request for an ATM cardWe apologize for the issues that *** *** has experienced***, our Customer Service Operations Specialist, reached out to him by phone and let him know that his
current debit card has been unlocked and he can use the cardAn ATM card had already been ordered and is in the mailIf *** *** has any other questions or concerns he can contact *** at ###-###-####
Guaranty Bank is responding to the additional concerns from *** *** ***, the Market Manager, has contacted *** *** to let him know that he is working to add a message to his account requesting the teller ask for identification *** is updating *** *** on the progress of adding this message and it is anticipated that it will be completed within the next days
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Guaranty Bank is responding to the complaint from Rosalind BakionThe bank strives to provide excellent customer service and when that does not happen we take prompt actionI want to thank you for bringing the service issues to our attention and I also want to apologize for the inconvenience they
have causedThe service issues have been shared with our Market and Regional ManagersYou indicated that the garnishment was processed in error and you asked the bank to refund the garnishment fee and other fees that overdrew the accountYou provided the Order Vacating Judgment as requested. All fees were refunded on 11/21/and the account shows that no monies are owedThe Chex record has also been deletedThe bank cannot reopen your account, but you can go into any branch and open a new accountWe apologize for the inconvenience this has caused
Guaranty Bank, which does business as *** in *** and ***, is responding to the additional concerns from *** *** regarding ID ***.In the complaint *** said she had enough money in her account when she rented the hotel roomA review of her transactions show that she did have enough money in her account after renting the hotel room but then used her debit card for additional transactions that overdrew her account and that is why she incurred overdraft feesPrior to the complaint, as a customer courtesy, the bank provided one courtesy overdraft fee reversal in the amount of $which was credited to her account on 1/22/The bank contacted *** by phone when it received the complaint*** said she understood why she received the overdraft feesAs a customer courtesy it was agreed that the bank would provide an additional reversal of the $continuous overdrawn fee which was credited to her account on 1/26/16.The bank has reviewed the account history to ensure the fees were charged as disclosed which they wereThe bank has provided the customer with courtesy reversals of two of her fees
Guaranty Bank (dba BestBank in Michigan and
Georgia) is responding to the complaint from *** ***, the Regional Manager, spoke
with *** *** in regard to the service issues and bank overdraft fees
The bank strives to provide excellent customer service and when
that does not
happen we take prompt actionWe want to thank you for bringing these issues to
our attention and we also apologize for the inconvenience they have
caused.*** reviewed how
the account became overdrawnPrior to the complaint two overdraft fees were
refunded***, as a customer courtesy, refunded the remaining five overdraft fees
on 5/7/She suggested that *** may want to opt out of the overdraft
service for ATM and everyday debit card transactions to avoid overdraft fees for
these transactions going forwardWhen you opt out these transactions will be
declined when you do not have enough available funds in your account and no
overdraft fee is chargedTo opt out call ###-###-#### and choose Option 6, or log in to Online Banking and choose Customer Service and Change ATM/Debit Card
Overdraft, or visit the local branch
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
*** Kelley's information conflicted with information I was provided from bank tellers and managers of storesShe also stated I would receive a call from her boss, someone named *** ***I have still not received that callI am very concerned that everyone I speak with at Guaranty seems to provide conflicting informationI want *** ***'s boss to call me to explain why no one at your bank seems able to provide consistent answers
Guaranty Bank is responding to a
complaint from *** *** in regard to overdraft fees*** incurred
overdraft fees as disclosedPrior to the complaint she received a courtesy
overdraft fee reversal for two fees on 11-Brandon, our Customer Service
Operations Specialist, contacted
*** and reviewed alternatives that could
help her reduce or overdraft fees including:Opting
out of the overdraft program for ATM and everyday debit card transactionsWhen
you opt out these transactions will be declined when you do not have enough
available funds in your account and no overdraft fee is chargedTo opt out
call ###-###-####, Option *Transferring
to a Relationship Checking account which has no overdraft service or overdraft
feesThere is a monthly service charge of $for this account*** received an additional two
courtesy overdraft fee reversals as she has been a long term customer of
Guaranty Bank
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Guaranty Bank would like to work with you on this
issue. The bank called the phone number listed in the complaint - ###-###-#### - on Aug at 3:52pm, Aug at 4:pm and Sept at 10:amPlease contact *** in our Customer Service Center at ###-###-####He will work with you on this issueYou can also provide a copy of the screen shots to him or send them via mail in the postage paid envelope that was sent today
Guaranty Bank is responding to a complaint from *** *** in regard to overdraft fees applied to his account over the Memorial Day weekendCatheryne from our Customer Service Center tried to reach you by phone but she was not successful
Your overdrafts occurred on May 23rd and the
transferred funds would have needed to be in the account on the 23rd to avoid the overdraft feesYou processed the transfer on May 25th after the overdrafts had occurredThe system alerts customers that transfers done after pm CT on a non business day, may not be processed until the following business day
You indicated in the complaint that you have CLEAR CoverageThis service provides overdraft coverage at a cost of $per item for overdrafts totaling no more than $in paid items and fees exceeding the accounts available balance in a single dayStandard per item overdraft fees apply beyond the $grace zoneYou incurred one CLEAR Coverage grace zone overdraft fee of $and standard overdraft fees of $
We reviewed the call you placed to our Customer Service CenterAt the time you called a Supervisor was not available and the rep asked if the Supervisor could call you backYou indicated you wanted to hold and you were on hold for minutesWhen the CSC rep went back to the call you had disconnectedAs a customer courtesy, the bank will refund an additional $fee which will be credited to your account on 6/11/You previously received credit for the $overdraft feeYou have had multiple fee reversals in the past
Our records indicate that you have cancelled the CLEAR Coverage Service and have opted out of the overdraft program for ATM and everyday debit card transactionsATM and everyday debit card transactions will be declined when you do not have available funds in your account and no overdraft fee is chargedThis will help you avoid overdraft fees for those transactions
You can also link a savings account to your checking account for automatic transfers to cover overdrafts at a cost of $per transfer
If you have any questions, please contact Catheryne in our Customer Service Center at ###-###-####
Guaranty Bank is responding to a complaint from *** *** in regard to the bank's request for verification of the account address, the locking of the account until the documentation was received and the return of a direct deposit due to the lockoutWe apologize that the branch did not open
the correct accountFederal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an accountYou requested that the accounts be closed and the bank has closed both accounts (ending in and 3400)The bank will refund the late fee you incurred due to the return of the direct deposit once documentation of the late charge for the house payment is providedPlease fax the documentation to ###-###-#### no later than 11/15/Once received, a check will be mailed to the address listed in the complaint
Guaranty Bank, which does business as BestBank in Michigan and Georgia, is responding to a complaint from Eric *** in regard to his Credit BuilderMr*** is correct in stating that his Credit Builder can be cancelled at any timeThe Credit Builder Disclosure and Promissory Note, which he
signed, states if the Credit Builder is cancelled: The Bank will then disburse to you an amount equal to the principal of each installment that you paid on this Credit Builder plus interest accrued on the Deposit at the rate disclosed to you when the Deposit was originated, less any early withdrawal penalties required by your Deposit agreement or applicable lawThe Note also states: If you make all payments by or within twenty-nine days of their due dates for the full five-year term and if your credit score does not improve, all interest that you paid will be refunded to youYou stated in the complaint that you were not aware that this was a loanOur records show that you set up automatic loan payments and have made payments on the loan since it was taken out on 9/5/You also receive monthly loan billing statements showing the principal and interest which has been paidThe Promissory Note which you signed discloses the loan termsIf you want to close the loan, you will receive the principal you paid on the loan plus the interest earned on the certificateYou could wait until after you make payments for the full five year term and if your credit score did not improve, you will get back the principal and interest on the loan and the interest on the certificate