Guaranty Bank is responding to the complaint from *** *** in regard to a check he deposited on June 5, in the amount of $3,Kim, our *** ** *** ***, spoke with you by phone in regard to this complaint.Your account had not been used since January 23, and you
deposited a hand written check on June 5th and then attempted to use those funds with your debit cardThe account was locked due to this unusual activity and you received a letter notifying of the account restrictionThe restriction has been removed and you have been able to perform transactions on your account
Guaranty Bank is responding to the complaint from *** *** in regard to a request to close the account ending in I apologize for the service issues you encounteredGuaranty Bank received your request to close the account, which was processed on 3/2/2016. A check was
issued and mailed to the address on file, which is the same address on the complaint, via overnight mail
Guaranty Bank, which does business as BestBank in Michigan and Georgia, is responding to a complaint from *** *** in regard to not receiving his debit cardOur records indicate that there is debit card activity on ***’ account and we contacted him to confirm whether he had a debit
cardHe said the complaint was for his fatherWe were able to speak with *** and his fatherHis father said he lost his debit card and ordered another card but he has not received itThe bank ordered a debit card for this father and it will be sent via expedited delivery at no cost to himIt should arrive on Monday, February 20thThe CSC rep provided a phone number to call if the card is not received
Guaranty Bank, which does
business as BestBank in Georgia and Michigan, is responding to a complaint from
*** *** in reference to incorrect information you received in regard to
when funds from a check deposit would be available. Alisha, the *** *** ***, spoke
with
you and explained that the person who gave the incorrect information was a
new employeeThe check hold for new customers is business days. The check hold was removed due to the
misinformation and you were able to withdraw funds on 6/11/We apologize for
the misinformation
Guaranty Bank, which does business as BestBank in Michigan and Georgia, is responding to a complaint from Shane S*** in reference to bill paymentsOur records show that you requested three bill paymentsThe instructions were to make the funds payable to Shane S*** and the checks were
mailed to the address on file - E Paces Ferry Rd NE Box 62, Atlanta, GA In the complaint you stated that the requested checks were not received, therefore, we have placed stop payments on those checks, at no cost to you, and issued a check for the total which was sent via expedited delivery on December 8, to the address you provided when we contacted you by phone - *** *** *** Blvd, Norcross GA We apologize for the inconvenience this has caused
Guaranty Bank is responding to a complaint from *** *** in regard to a transaction from Playstation that was incorrectly charged and not authorized and a request to refund overdraft fees and close the accountThe bank has returned the Playstation Network purchase which you indicated you did
not authorize and your account received a credit for $on 9/14/The bank also credited the overdraft fees due to this transaction bringing the balance to $The account was closed per your request on 9/15/There has been no negative reporting on this accountWe apologize for the inconvenience this has causedIf you had any other unauthorized transactions please contact *** at ###-###-####
Guaranty Bank is responding to a complaint from *** *** in regard to an overdraft. ***, our Customer Service Operations Specialist, spoke with you in regard to this issueHe explained that you made debit card purchases, with available funds, which reduced the amount available in
your accountWhen the check cleared there were insufficient available funds but the bank paid the item and charged the overdraft feeAs a customer courtesy the overdraft fee was refunded*** also reviewed the ways you can keep track of your transactions and available balance
Guaranty Bank, which does business as BestBank in Michigan and Georgia, is responding to the complaint from *** *** in regard to overdrafts on her accountLuke, from our Customer Retention Department, spoke with you and offered options to help you manage your accountYou agreed to
enroll in our Checking Renew program which will forgive the negative balance amount you owe if you transfer your account to our Relationship Checking account and maintain this account in good standing for one yearThe Relationship Checking account has a monthly service fee of $and no overdraft service and no overdraft fees which means the bank will only authorize and pay transactions for which you have available fundsIf an item is presented and there are not available funds, the item will be returned but you will not incur any overdraft feesIf you do not maintain the Relationship Checking account in good standing for the one year period, the negative balance amount will be due and payableThe bank has tools to help you keep track of your available funds using Online Banking, Mobile Banking and INFO Line telephone bankingYou can also set up Online Banking alerts to notify you via email when your balance is lowThis option is located under the Customer Service tab, Manage Alerts in Online Banking
Guaranty Bank is responding to a complaint in regard to ATM depositsThe bank is aware of the error message which displays after cash is depositedThe deposit is made but the message could lead the customer to believe it was notThis will be fixed by the end of next week***, the Regional
Manager, spoke with you in regard to the check deposit for an incorrect amountYou confirmed your receipt listed the deposit as $but the check amount was $The bank has a daily process to verify deposit amounts entered and check amounts and you received a credit for the difference of $on 1/12/Your business is appreciated and we apologize for the issues you have experienced
[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 I was directed to go into a branch and close my accounts, which was completed 3/7/My hope is that no further charges will be accrued as all known accounts have been closed with Best Bank
Regards,
*** ***
Guaranty Bank is responding to the complaint from *** ***The compliant is in regard to an amount owed on her checking account ending in On Friday, 6/17/at 10am you went into our Waukesha branch and deposited $1,in cash to cover an overdraft of $At 10:56am on that same
day you came back to the Waukesha branch because you said you needed the $1,backThe branch did not process the deposit correction properly and it looked like you had a balance of $You came into the Wales branch and withdrew the $on Saturday 6/18/After the correction was processed your account was negative $1,(which was the overdrawn balance of $and the withdrawal of $645.35)You received a notice by mail after the transactions were proofed and correctedYou need to make a deposit of $1,to cover the overdrawn amount plus the $continuous overdraft fee as soon as possibleIf you have any questions please contact *** at ###-###-####
Guaranty Bank is responding to a complaint from *** ***Financial security is a priority for Guaranty Bank and the Bank has policies and procedures designed to protect customer information***, our Regional Manager, contacted *** *** to confirm the Bank’s policy for verifying the customer
The policy states the customer’s signature must match the online signature from the signature card or the identification provided by the customer
Guaranty Bank is responding to a complaint from *** *** regarding an ATM withdrawal for $which posted to her account on July 24thThis ATM withdrawal was performed at a CVS terminal located at *** *** ***This terminal is not owned by Guaranty Bank, therefore the bank has
submitted a claim to the terminal owner and we are awaiting their response If we don’t get a response from the terminal owner by August 6th we will provisionally credit your account on the 6th. This is compliantwith the Electronic Fund Transfers Act and the Deposit Disclosure you received when your account was opened which states that we will determine within business days after we hear from you whether an error occurredIf we need more time we will provisionally credit your account so you have use of the money during the time it takes us to complete the investigationThe bank employeeincorrectly thought you processed the withdrawal at the branch terminal and that is why you were told the bank would balance the ATM and have an answer the next day
[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 [redacted], and find that this resolution is satisfactory to me. Please note that that I spoke to [redacted] AFTER I made the complaint to the Revdex.com. I've made several complaints about the ATMwhich appear to be falling upon death ears. Thanks Revdex.com for your follow thru
Regards,
[redacted]
Guaranty Bank is responding to a complaint from [redacted] in regard to the account ending in 3507. [redacted], our Regional Manager, spoke with you in regard to this complaint and apologized that the bank employee did not inform you that funds must be available in the account to be able to cash...
a check. We have refunded the fees you incurred and your balance is now $0.00. We have also coded your account to waive the paper statement fee. You indicated that you were not sure if you wanted to close the account and that you would let [redacted] know if you wanted the account closed. You can also request to close the account by calling our Customer Service Center at ###-###-####. We apologize for the inconvenience this has caused.
Guaranty Bank is responding to a complaint from [redacted] in regard to overdraft fees incurred for transactions that posted to her account on 10/21/15. [redacted], our Customer Service Operations Specialist, spoke with [redacted] in regard to this complaint. It was determined that Target.com sent...
multiple authorizations for $69.22 on 10/17, 10/24 and 10/31 for what looks to be the same purchase. As a customer courtesy the bank has refunded four overdraft fees and you received credit for these fees on 11/3/15.Some alternatives you may want to consider to help you reduce or avoid overdraft fees going forward include:Linking a savings account to your checking account for automatic transfers to cover overdrafts at a cost of $15 per transfer.Opting out of the overdraft program for ATM and everyday debit card transactions. When you opt out these transactions will be declined when you do not have enough available funds in your account and no overdraft fee is charged. To opt out call ###-###-####, Option 6. Transferring your account to a Relationship Checking account. This account has no overdraft service or overdraft fees. There is a monthly service fee of $10 for this account.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[I was disconnected from the phone call by the Customer Service Representative, I did not disconnect the call. The prior time we had an issue with overdrafts we were convinced to opt in and to use the clear coverage service because we were told that the bank would work with us if we had any overdrafts beyond the grace period which is why we opted in. The multiple overdrafts in the past were due to fraudulent activity on the account which we notified the bank about immediately. I am not satisfied because we have been customers for years of Guaranty Bank and the service seems to be declining and the $37 per item is excessive. There are several banks that have changed their practices to limit the amount of overdrafts customers can be charged. Guaranty Bank policy is your busy bank easy. I believe Guaranty Bank should revise their overdraft policies to one overdraft per day as per item is excessive. I am appreciative of the fact that Guaranty Bank has reversed an overdraft fee but the other overdrafts should be charged a lesser fee because we were told we would be taken care if we enrolled in the clear coverage. Because the bank did not take care of us is the reason we canceled the clear coverage]
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
John [redacted] i was never contacted by your bank... I had to REPEATEDLY contact you. I corrected the email address on three different occasions and still didn't not receive anything. That part has now been resolved, but weird... I STILL haven't received the check that you claim was overnighted!
Guaranty Bank is responding to a complaint from [redacted]. The complaint is in regard to a PayPal transaction that posted to your account on 8/26/2016 in the amount of $1,073.47 and overdraft fees incurred due to this transaction. [redacted], from our Claims Department, contacted you in regard to this...
complaint. You indicated that the transaction was authorized by you but you chose the wrong account. You did not want the bank to return the transaction. As a customer courtesy, on 9/2/2016 the bank credited your account for 10 overdraft fees that resulted from this transaction. You indicated that you will be making arrangements to pay the balance owed after the refund of fees.
Guaranty Bank, which does business as BestBank in Michigan
and Georgia, is responding to the complaint from [redacted]. The customer was given correct information in
regard to the notarized letter for the account closing. As a customer courtesy,
on October 26, 2015 the Bank refunded the...
$10.00 service charge that was
assessed to the account ending in 3201 on 10/11/2015 and the account was coded
as closed as requested by [redacted] in the Revdex.com
complaint. We apologize for the inconvenience this has caused.
Guaranty Bank is responding to the complaint from *** *** in regard to a check he deposited on June 5, in the amount of $3,Kim, our *** ** *** ***, spoke with you by phone in regard to this complaint.Your account had not been used since January 23, and you
deposited a hand written check on June 5th and then attempted to use those funds with your debit cardThe account was locked due to this unusual activity and you received a letter notifying of the account restrictionThe restriction has been removed and you have been able to perform transactions on your account
Guaranty Bank is responding to the complaint from *** *** in regard to a request to close the account ending in I apologize for the service issues you encounteredGuaranty Bank received your request to close the account, which was processed on 3/2/2016. A check was
issued and mailed to the address on file, which is the same address on the complaint, via overnight mail
Guaranty Bank, which does business as BestBank in Michigan and Georgia, is responding to a complaint from *** *** in regard to not receiving his debit cardOur records indicate that there is debit card activity on ***’ account and we contacted him to confirm whether he had a debit
cardHe said the complaint was for his fatherWe were able to speak with *** and his fatherHis father said he lost his debit card and ordered another card but he has not received itThe bank ordered a debit card for this father and it will be sent via expedited delivery at no cost to himIt should arrive on Monday, February 20thThe CSC rep provided a phone number to call if the card is not received
Guaranty Bank, which does
business as BestBank in Georgia and Michigan, is responding to a complaint from
*** *** in reference to incorrect information you received in regard to
when funds from a check deposit would be available. Alisha, the *** *** ***, spoke
with
you and explained that the person who gave the incorrect information was a
new employeeThe check hold for new customers is business days. The check hold was removed due to the
misinformation and you were able to withdraw funds on 6/11/We apologize for
the misinformation
Guaranty Bank, which does business as BestBank in Michigan and Georgia, is responding to a complaint from Shane S*** in reference to bill paymentsOur records show that you requested three bill paymentsThe instructions were to make the funds payable to Shane S*** and the checks were
mailed to the address on file - E Paces Ferry Rd NE Box 62, Atlanta, GA In the complaint you stated that the requested checks were not received, therefore, we have placed stop payments on those checks, at no cost to you, and issued a check for the total which was sent via expedited delivery on December 8, to the address you provided when we contacted you by phone - *** *** *** Blvd, Norcross GA We apologize for the inconvenience this has caused
Guaranty Bank is responding to a complaint from *** *** in regard to a transaction from Playstation that was incorrectly charged and not authorized and a request to refund overdraft fees and close the accountThe bank has returned the Playstation Network purchase which you indicated you did
not authorize and your account received a credit for $on 9/14/The bank also credited the overdraft fees due to this transaction bringing the balance to $The account was closed per your request on 9/15/There has been no negative reporting on this accountWe apologize for the inconvenience this has causedIf you had any other unauthorized transactions please contact *** at ###-###-####
Guaranty Bank is responding to a complaint from *** *** in regard to an overdraft. ***, our Customer Service Operations Specialist, spoke with you in regard to this issueHe explained that you made debit card purchases, with available funds, which reduced the amount available in
your accountWhen the check cleared there were insufficient available funds but the bank paid the item and charged the overdraft feeAs a customer courtesy the overdraft fee was refunded*** also reviewed the ways you can keep track of your transactions and available balance
Guaranty Bank, which does business as BestBank in Michigan and Georgia, is responding to the complaint from *** *** in regard to overdrafts on her accountLuke, from our Customer Retention Department, spoke with you and offered options to help you manage your accountYou agreed to
enroll in our Checking Renew program which will forgive the negative balance amount you owe if you transfer your account to our Relationship Checking account and maintain this account in good standing for one yearThe Relationship Checking account has a monthly service fee of $and no overdraft service and no overdraft fees which means the bank will only authorize and pay transactions for which you have available fundsIf an item is presented and there are not available funds, the item will be returned but you will not incur any overdraft feesIf you do not maintain the Relationship Checking account in good standing for the one year period, the negative balance amount will be due and payableThe bank has tools to help you keep track of your available funds using Online Banking, Mobile Banking and INFO Line telephone bankingYou can also set up Online Banking alerts to notify you via email when your balance is lowThis option is located under the Customer Service tab, Manage Alerts in Online Banking
Guaranty Bank is responding to a complaint in regard to ATM depositsThe bank is aware of the error message which displays after cash is depositedThe deposit is made but the message could lead the customer to believe it was notThis will be fixed by the end of next week***, the Regional
Manager, spoke with you in regard to the check deposit for an incorrect amountYou confirmed your receipt listed the deposit as $but the check amount was $The bank has a daily process to verify deposit amounts entered and check amounts and you received a credit for the difference of $on 1/12/Your business is appreciated and we apologize for the issues you have experienced
[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 I was directed to go into a branch and close my accounts, which was completed 3/7/My hope is that no further charges will be accrued as all known accounts have been closed with Best Bank
Regards,
*** ***
Guaranty Bank is responding to the complaint from *** ***The compliant is in regard to an amount owed on her checking account ending in On Friday, 6/17/at 10am you went into our Waukesha branch and deposited $1,in cash to cover an overdraft of $At 10:56am on that same
day you came back to the Waukesha branch because you said you needed the $1,backThe branch did not process the deposit correction properly and it looked like you had a balance of $You came into the Wales branch and withdrew the $on Saturday 6/18/After the correction was processed your account was negative $1,(which was the overdrawn balance of $and the withdrawal of $645.35)You received a notice by mail after the transactions were proofed and correctedYou need to make a deposit of $1,to cover the overdrawn amount plus the $continuous overdraft fee as soon as possibleIf you have any questions please contact *** at ###-###-####
Guaranty Bank is responding to a complaint from *** ***Financial security is a priority for Guaranty Bank and the Bank has policies and procedures designed to protect customer information***, our Regional Manager, contacted *** *** to confirm the Bank’s policy for verifying the customer
The policy states the customer’s signature must match the online signature from the signature card or the identification provided by the customer
Guaranty Bank is responding to a complaint from *** *** regarding an ATM withdrawal for $which posted to her account on July 24thThis ATM withdrawal was performed at a CVS terminal located at *** *** ***This terminal is not owned by Guaranty Bank, therefore the bank has
submitted a claim to the terminal owner and we are awaiting their response If we don’t get a response from the terminal owner by August 6th we will provisionally credit your account on the 6th. This is compliantwith the Electronic Fund Transfers Act and the Deposit Disclosure you received when your account was opened which states that we will determine within business days after we hear from you whether an error occurredIf we need more time we will provisionally credit your account so you have use of the money during the time it takes us to complete the investigationThe bank employeeincorrectly thought you processed the withdrawal at the branch terminal and that is why you were told the bank would balance the ATM and have an answer the next day
[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 [redacted], and find that this resolution is satisfactory to me. Please note that that I spoke to [redacted] AFTER I made the complaint to the Revdex.com. I've made several complaints about the ATMwhich appear to be falling upon death ears. Thanks Revdex.com for your follow thru
Regards,
[redacted]
Guaranty Bank is responding to a complaint from [redacted] in regard to the account ending in 3507. [redacted], our Regional Manager, spoke with you in regard to this complaint and apologized that the bank employee did not inform you that funds must be available in the account to be able to cash...
a check. We have refunded the fees you incurred and your balance is now $0.00. We have also coded your account to waive the paper statement fee. You indicated that you were not sure if you wanted to close the account and that you would let [redacted] know if you wanted the account closed. You can also request to close the account by calling our Customer Service Center at ###-###-####. We apologize for the inconvenience this has caused.
Guaranty Bank is responding to a complaint from [redacted] in regard to overdraft fees incurred for transactions that posted to her account on 10/21/15. [redacted], our Customer Service Operations Specialist, spoke with [redacted] in regard to this complaint. It was determined that Target.com sent...
multiple authorizations for $69.22 on 10/17, 10/24 and 10/31 for what looks to be the same purchase. As a customer courtesy the bank has refunded four overdraft fees and you received credit for these fees on 11/3/15.Some alternatives you may want to consider to help you reduce or avoid overdraft fees going forward include:Linking a savings account to your checking account for automatic transfers to cover overdrafts at a cost of $15 per transfer.Opting out of the overdraft program for ATM and everyday debit card transactions. When you opt out these transactions will be declined when you do not have enough available funds in your account and no overdraft fee is charged. To opt out call ###-###-####, Option 6. Transferring your account to a Relationship Checking account. This account has no overdraft service or overdraft fees. There is a monthly service fee of $10 for this account.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[I was disconnected from the phone call by the Customer Service Representative, I did not disconnect the call. The prior time we had an issue with overdrafts we were convinced to opt in and to use the clear coverage service because we were told that the bank would work with us if we had any overdrafts beyond the grace period which is why we opted in. The multiple overdrafts in the past were due to fraudulent activity on the account which we notified the bank about immediately. I am not satisfied because we have been customers for years of Guaranty Bank and the service seems to be declining and the $37 per item is excessive. There are several banks that have changed their practices to limit the amount of overdrafts customers can be charged. Guaranty Bank policy is your busy bank easy. I believe Guaranty Bank should revise their overdraft policies to one overdraft per day as per item is excessive. I am appreciative of the fact that Guaranty Bank has reversed an overdraft fee but the other overdrafts should be charged a lesser fee because we were told we would be taken care if we enrolled in the clear coverage. Because the bank did not take care of us is the reason we canceled the clear coverage]
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
John [redacted] i was never contacted by your bank... I had to REPEATEDLY contact you. I corrected the email address on three different occasions and still didn't not receive anything. That part has now been resolved, but weird... I STILL haven't received the check that you claim was overnighted!
Guaranty Bank is responding to a complaint from [redacted]. The complaint is in regard to a PayPal transaction that posted to your account on 8/26/2016 in the amount of $1,073.47 and overdraft fees incurred due to this transaction. [redacted], from our Claims Department, contacted you in regard to this...
complaint. You indicated that the transaction was authorized by you but you chose the wrong account. You did not want the bank to return the transaction. As a customer courtesy, on 9/2/2016 the bank credited your account for 10 overdraft fees that resulted from this transaction. You indicated that you will be making arrangements to pay the balance owed after the refund of fees.
Guaranty Bank, which does business as BestBank in Michigan
and Georgia, is responding to the complaint from [redacted]. The customer was given correct information in
regard to the notarized letter for the account closing. As a customer courtesy,
on October 26, 2015 the Bank refunded the...
$10.00 service charge that was
assessed to the account ending in 3201 on 10/11/2015 and the account was coded
as closed as requested by [redacted] in the Revdex.com
complaint. We apologize for the inconvenience this has caused.