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.The information I received contradicts previous messages I received from the bank, my own records, and what I was told in the location. On Thursday June 9, 2016 I did attempt to return a call I received from [redacted] while my family was in town for a funeral. I left a message for him and did not receive a call back.
Regards,
[redacted]
Guaranty Bank, which does business as BestBank in Michigan and Georgia, is responding to the complaint from [redacted] in regard to issues experienced when she had unauthorized charges on her account. Our understanding is that you cancelled your card reissue order upon learning of the $5 fee...
to which your message refers. As a courtesy, we have processed a card reissue without charging you a $5 fee for the new card.
The bank no longer owns the debts. The attached letter provides a phone number and contact that the customer can call. The letter will also be mailed to [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,
[redacted]
Guaranty Bank is responding to a complaint from Carolina [redacted] in regard to the account ending in 6506 which remained negative for 60 days and was closed by the bank with a balance owed of ($21.00). You opened this account using our online account opening channel on 9/8/2016 with a deposit of...
$25. Disclosures which included the fee were provided when the account was opened. You withdrew $20 from an ATM on 9/27/16 and the ATM surcharge overdrew the account. Monthly services charges for October and November also overdrew the account. Your replies to emails were not received until the account was overdrawn. As a customer courtesy we have credited $21.00 for the ATM surcharge and fees to the account on 1/26/17. The balance after the credits is $0.00. The account is closed. There is no Chex record and we do not report overdrawn accounts to the credit bureaus.
Guaranty Bank is responding to a complaint from John [redacted] in regard to a request to close account ending in 0401. This request was not fulfilled due to having an incorrect email address which caused the electronic closing request form to not be received. We contacted the customer and obtained...
the correct email address and John [redacted] received and electronically signed the closing request form. A check was scheduled to be mailed but the bank put a stop payment on that check #[redacted] and a new check #[redacted] was sent via overnight delivery on 2/2/2017. We ask when John [redacted] receives the mailed check #[redacted] that it be destroyed.
[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.
Regards,
[redacted]
[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.
Regards,
[redacted]
Guaranty Bank, which does business as BestBank in Michigan and Georgia, is responding to a your complaint regarding a request for a credit of one overdraft fee, a dispute you filed and a request to close your account. [redacted] from our Customer Service Center has spoken with you by phone. ...
Your account has received a credit for a $37 overdraft fee and a $36 continuous overdrawn fee. Your account was opted out of the overdraft program for ATM and everyday (non-recurring) debit card transactions on 8/20/2015 as you requested. 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. This does not apply to recurring debit card transactions. The transactions for [redacted] Wellness Plans is a recurring debit card transaction.You filed a dispute on 8/17/2015 in regard to transactions for [redacted] Wellness Plans. An investigation was performed and a response letter was mailed to you on 8/19/2015. You indicated you would contact [redacted] in regard to the recurring debit card transactions.If you would like to close your account you will need to make a deposit to bring the account to a positive balance and then request to close the account at your local branch.If you have any other questions, please contact [redacted] at ###-###-####.
Guaranty Bank is responding to a complaint from Patricia [redacted] in regard to a direct deposit and overdraft fees. Our records indicate that your direct deposit was received on Thursday, October 27, 2016 and was posted to your account ending in [redacted] on that date. There was no delay in posting the...
direct deposit to your account. We saw that your direct deposits normally come in on Wednesday; perhaps the company sent the file later than they should have. You incurred seven overdraft fees from October 26, 2016 to October 29, 2016 and as a customer courtesy the bank has refunded those fees to your account on November 11, 2016. You would have been overdrawn on October 31, 2016 with the ATM withdrawal for $300.00. You had previously received a courtesy reversal of two overdraft fees on October 27, 2016. We have tried to reach you by phone but have not been successful. If you have any questions, please contact our Customer Service Center at ([redacted]
Guaranty Bank is responding to the additional message from John [redacted] in regard to the request to close the account ending in 0401. FedEx records indicate the FedEx envelope was delivered to John [redacted] at [redacted] on Feb 6, 2017 at 2:30pm. The FedEx tracking number is [redacted]. If you have not received the FedEX envelope, please contact Kim at [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 btringing this matter to a close, we would like to know your view on the matter.]
Regards,
.
[redacted] I will accept the resolution once I receive my $10.00 money order back that was mailed on 10/24/15.Your Customer Service Training is not very consistent from top to bottom. When I contacted your group on9/9/15, your Customer Service group told me that $9.99 was owed on my account and that would close it out. On 10/10/15, I was told that I owed another $10.00 and that would close it out. I sent a money order to close it, I should have been told at that time that I needed to send a notarized letter. Instead I was charged another $10.00. So, I am very upset that your Customer Service group did not resolve the issue or do not have the authority to correct their mistakes when it is brought to their attention.Overall I can see the first $9.99 but not the $10.00 I was charged to my visa and not the second $10.00. I am retired in Texas and on a limited budget. I feel that your Customer Service group took advantage of me to make a profit.So please make it right!Thanks for the education!So once I receive the return of my money order
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,
[redacted]
Guaranty Bank, which does business as BestBank in Michigan and Georgia, is responding to a complaint from [redacted] in regard to an authorization hold placed by a hotel. The bank received a letter from the hotel requesting release of the hold. One overdraft fee had previously been...
refunded on 7/26/16 and the remaining two $37 overdraft fees were refunded on 8/1/16. We apologize for the inconvenience this caused.
Guaranty Bank is responding to a complaint from [redacted] in regard to an email request for courtesy overdraft fee reversals. The email was received on 1/30 and was responded to on 1/31. We credited two $37 courtesy overdraft fees to the account on 1/31. Overdraft fees were...
incurred because the check she deposited via Remote Mobile Deposit was not available. The account was overdrawn again on 2/17. A check for $50 was paid and an overdraft fee was assessed. We tried to reach you by phone but we were not successful. If you have any questions regarding the check please call our Customer Service Center at ###-###-####. You may want to consider the following to help you reduce or avoid overdraft fees: Opt out of the overdraft program for ATM and everyday debit card transactions. When you do not have enough available funds, these transactions will be declined and no overdraft fee is charged. You can opt out at a branch, via online banking, or by calling ###-###-#### and choosing option 6. We also have a Relationship Checking account which has no overdraft service or overdraft fees. The monthly service charge is $10.
Guaranty
Bank, which does business as BestBank in Michigan and Georgia, is responding to
a complaint we received from [redacted], in reference to a past due
amount.
[redacted]'s personal checking account was closed on August 18, 2014 with a balance owed.
She did not respond to letters...
sent by the Bank in regard to this debt.The
bank no longer owns this debt. The debt was sold to [redacted]. Their
address is [redacted] [redacted] and their phone number is ###-###-####.
[redacted] needs to contact [redacted] in regard to this debt.
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,
[redacted]
Guaranty Bank tried to reach [redacted] by phone but we were not successful. [redacted] requested a stop payment on 12/18/15 for a [redacted] transaction in the amount of $143.91. This transaction was presented on 12/21/15. It was not a “true stop” which means it did not match an item...
number and therefore needed to be manually reviewed and returned to the payee the next day. The overdraft fee was not assessed due to the item being returned. [redacted] received a courtesy refund of an overdraft fee on 12/22/15, which was provided in error, but the bank will not reverse this fee due to the customer service issues.
Guaranty Bank tried
to reach [redacted] by phone but the number appears to no longer be valid.
The bank sent [redacted] an email asking her to contact [redacted] at ###-###-#### so he can
provide a better understanding of the situation and transaction history.
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.The information I received contradicts previous messages I received from the bank, my own records, and what I was told in the location. On Thursday June 9, 2016 I did attempt to return a call I received from [redacted] while my family was in town for a funeral. I left a message for him and did not receive a call back.
Regards,
[redacted]
Guaranty Bank, which does business as BestBank in Michigan and Georgia, is responding to the complaint from [redacted] in regard to issues experienced when she had unauthorized charges on her account. Our understanding is that you cancelled your card reissue order upon learning of the $5 fee...
to which your message refers. As a courtesy, we have processed a card reissue without charging you a $5 fee for the new card.
The bank no longer owns the debts. The attached letter provides a phone number and contact that the customer can call. The letter will also be mailed to [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,
[redacted]
Guaranty Bank is responding to a complaint from Carolina [redacted] in regard to the account ending in 6506 which remained negative for 60 days and was closed by the bank with a balance owed of ($21.00). You opened this account using our online account opening channel on 9/8/2016 with a deposit of...
$25. Disclosures which included the fee were provided when the account was opened. You withdrew $20 from an ATM on 9/27/16 and the ATM surcharge overdrew the account. Monthly services charges for October and November also overdrew the account. Your replies to emails were not received until the account was overdrawn. As a customer courtesy we have credited $21.00 for the ATM surcharge and fees to the account on 1/26/17. The balance after the credits is $0.00. The account is closed. There is no Chex record and we do not report overdrawn accounts to the credit bureaus.
Guaranty Bank is responding to a complaint from John [redacted] in regard to a request to close account ending in 0401. This request was not fulfilled due to having an incorrect email address which caused the electronic closing request form to not be received. We contacted the customer and obtained...
the correct email address and John [redacted] received and electronically signed the closing request form. A check was scheduled to be mailed but the bank put a stop payment on that check #[redacted] and a new check #[redacted] was sent via overnight delivery on 2/2/2017. We ask when John [redacted] receives the mailed check #[redacted] that it be destroyed.
[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.
Regards,
[redacted]
[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.
Regards,
[redacted]
Guaranty Bank, which does business as BestBank in Michigan and Georgia, is responding to a your complaint regarding a request for a credit of one overdraft fee, a dispute you filed and a request to close your account. [redacted] from our Customer Service Center has spoken with you by phone. ...
Your account has received a credit for a $37 overdraft fee and a $36 continuous overdrawn fee. Your account was opted out of the overdraft program for ATM and everyday (non-recurring) debit card transactions on 8/20/2015 as you requested. 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. This does not apply to recurring debit card transactions. The transactions for [redacted] Wellness Plans is a recurring debit card transaction.You filed a dispute on 8/17/2015 in regard to transactions for [redacted] Wellness Plans. An investigation was performed and a response letter was mailed to you on 8/19/2015. You indicated you would contact [redacted] in regard to the recurring debit card transactions.If you would like to close your account you will need to make a deposit to bring the account to a positive balance and then request to close the account at your local branch.If you have any other questions, please contact [redacted] at ###-###-####.
Guaranty Bank is responding to a complaint from Patricia [redacted] in regard to a direct deposit and overdraft fees. Our records indicate that your direct deposit was received on Thursday, October 27, 2016 and was posted to your account ending in [redacted] on that date. There was no delay in posting the...
direct deposit to your account. We saw that your direct deposits normally come in on Wednesday; perhaps the company sent the file later than they should have. You incurred seven overdraft fees from October 26, 2016 to October 29, 2016 and as a customer courtesy the bank has refunded those fees to your account on November 11, 2016. You would have been overdrawn on October 31, 2016 with the ATM withdrawal for $300.00. You had previously received a courtesy reversal of two overdraft fees on October 27, 2016. We have tried to reach you by phone but have not been successful. If you have any questions, please contact our Customer Service Center at ([redacted]
Guaranty Bank is responding to the additional message from John [redacted] in regard to the request to close the account ending in 0401. FedEx records indicate the FedEx envelope was delivered to John [redacted] at [redacted] on Feb 6, 2017 at 2:30pm. The FedEx tracking number is [redacted]. If you have not received the FedEX envelope, please contact Kim at [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 btringing this matter to a close, we would like to know your view on the matter.]
Regards,
.
[redacted] I will accept the resolution once I receive my $10.00 money order back that was mailed on 10/24/15.Your Customer Service Training is not very consistent from top to bottom. When I contacted your group on9/9/15, your Customer Service group told me that $9.99 was owed on my account and that would close it out. On 10/10/15, I was told that I owed another $10.00 and that would close it out. I sent a money order to close it, I should have been told at that time that I needed to send a notarized letter. Instead I was charged another $10.00. So, I am very upset that your Customer Service group did not resolve the issue or do not have the authority to correct their mistakes when it is brought to their attention.Overall I can see the first $9.99 but not the $10.00 I was charged to my visa and not the second $10.00. I am retired in Texas and on a limited budget. I feel that your Customer Service group took advantage of me to make a profit.So please make it right!Thanks for the education!So once I receive the return of my money order
We have reviewed the request from [redacted] and have issued the provisional credit for $340.00 today (August 5th).
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,
[redacted]
Guaranty Bank, which does business as BestBank in Michigan and Georgia, is responding to a complaint from [redacted] in regard to an authorization hold placed by a hotel. The bank received a letter from the hotel requesting release of the hold. One overdraft fee had previously been...
refunded on 7/26/16 and the remaining two $37 overdraft fees were refunded on 8/1/16. We apologize for the inconvenience this caused.
Guaranty Bank is responding to a complaint from [redacted] in regard to an email request for courtesy overdraft fee reversals. The email was received on 1/30 and was responded to on 1/31. We credited two $37 courtesy overdraft fees to the account on 1/31. Overdraft fees were...
incurred because the check she deposited via Remote Mobile Deposit was not available. The account was overdrawn again on 2/17. A check for $50 was paid and an overdraft fee was assessed. We tried to reach you by phone but we were not successful. If you have any questions regarding the check please call our Customer Service Center at ###-###-####. You may want to consider the following to help you reduce or avoid overdraft fees: Opt out of the overdraft program for ATM and everyday debit card transactions. When you do not have enough available funds, these transactions will be declined and no overdraft fee is charged. You can opt out at a branch, via online banking, or by calling ###-###-#### and choosing option 6. We also have a Relationship Checking account which has no overdraft service or overdraft fees. The monthly service charge is $10.
Guaranty
Bank, which does business as BestBank in Michigan and Georgia, is responding to
a complaint we received from [redacted], in reference to a past due
amount.
[redacted]'s personal checking account was closed on August 18, 2014 with a balance owed.
She did not respond to letters...
sent by the Bank in regard to this debt.The
bank no longer owns this debt. The debt was sold to [redacted]. Their
address is [redacted] [redacted] and their phone number is ###-###-####.
[redacted] needs to contact [redacted] in regard to this debt.
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,
[redacted]
Guaranty Bank tried to reach [redacted] by phone but we were not successful. [redacted] requested a stop payment on 12/18/15 for a [redacted] transaction in the amount of $143.91. This transaction was presented on 12/21/15. It was not a “true stop” which means it did not match an item...
number and therefore needed to be manually reviewed and returned to the payee the next day. The overdraft fee was not assessed due to the item being returned. [redacted] received a courtesy refund of an overdraft fee on 12/22/15, which was provided in error, but the bank will not reverse this fee due to the customer service issues.
Guaranty Bank tried
to reach [redacted] by phone but the number appears to no longer be valid.
The bank sent [redacted] an email asking her to contact [redacted] at ###-###-#### so he can
provide a better understanding of the situation and transaction history.