[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: Target did NOT send multiple transactions for the same purchase. This bank manipulates the processing order of transactions in order to draw multiple overdraft fees. Warning to anyone opening an account: be VERY careful, even when you keep am accurate record and check with your online banking, that does not mean you are safe from guaranty bank processing system! The bank did return all of the fees that never should have incurred, so for that, I am satisfied with my complaint.
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, doing business as BestBank in [redacted] and [redacted], is responding to a complaint from [redacted] in regard to overdraft fees that occurred due to a bank error. [redacted], our Customer Service Operations Specialist, contacted [redacted] in regard to this...
complaint.[redacted] reviewed the transaction history and overdraft fees and found that an additional $592 in overdraft fees needed to be credited due to the error. This amount was credited to account xxxxxx2801 on 2/1/16 along with a courtesy credit of $111 in overdraft fees.We apologize that the fee credit was not calculated properly on 1/13/16 when [redacted] brought the error to our attention.
Overdraft fees were charged as disclosed. Letter sent to customer asking her to provide copies of the screen shots she is referring to in the complaint (copy of letter attached). Tried to reach her by phone but we were not successful.
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. [redacted] was very patient with me, walked me through the set up, walked me through statement delivery method, and returned my call promptly at 4:30 when we scheduled it. I am very pleased with the professionalism that [redacted] showed me. I will gladly keep my business checking accounts with Best Bank and even opened two more today. Thank you so very much.
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.I only had a balance owing because I had all of these mysterious .10 charges that were pinging my account and no one at the bank could tell me where there were coming from. And with those charges The bank was charging me $36 and then another charge for $37 and a seven dollar charge for each ping. I was moving at the time of right before August and I did not receive any letters from them I don't know if it got lost at the post office or if they were ever send I did try to contact the bank three separate times at the home office to try and clear this up to no avail . These charges however are not only out rages but bogus . I appreciate your help in this matter. And in regards to them selling off my account to some shark her to try and collect their own is ridiculous you only deal with the person that put the charge on your credit to get it off we all know that .respectfully [redacted]
[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 [redacted] in regard to an ACH transaction which the bank posted to your personal account because the ACH was in your personal name and not the business name. We apologize for the inconvenience this has caused. [redacted], our Customer Service...
Operations Specialist, contacted you in regard to this issue. He has informed the department that posted the ACH transaction of the issue and has processed a refund on 7/21/16 for the two overdraft fees you incurred. If you have any further issues please contact [redacted] at ###-###-####.
Guaranty Bank, which does business as BestBank in Michigan
and Georgia, is responding to a complaint from [redacted]
requested a split deposit to her accounts on 10/28/15. The check hold was placed
on the checking account instead of the savings account, as [redacted]...
requested,
which resulted in overdraft fees. Prior
to the complaint [redacted] received a courtesy overdraft fee reversal of $37 on
11/3 and $111 on 11/9. [redacted], our
[redacted], spoke with [redacted] and apologized for this error. She agreed
to refund all the overdraft fees due to this error. The remaining overdraft
fees were credited to the account on 11/30 and 12/1. [redacted] also agreed to
reimburse [redacted] for any merchant fees due to this error once [redacted]
provides documentation for the merchant fees to [redacted].
Guaranty Bank, which does business as BestBank in Michigan and Georgia, is responding to a complaint in regard to an overdraft fee. We have tried to reach [redacted] but have not been successful. [redacted] incurred an overdraft fee due to spending more than he had available in the account. There...
was $25.18 in the account and $23.89 was spent with debit card transactions which were authorized and there were not enough funds in the account when check #1042 cleared, that is why an overdraft fee was charged. For any questions, please call [redacted] at ###-###-####.
Guaranty Bank is responding to a complaint from [redacted] in regard to paper statement fees. On July 19, 2016 the bank mailed a $4 check to the address [redacted] provided. The account was also closed as requested.
[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 complaint from [redacted] in regard to overdraft fees due to an incorrect debit card authorization hold from Thrifty car rental. [redacted], our Customer Engagement Team Lead, contacted you in regard to...
this complaint. [redacted] recalculated your available balance taking into account the correct authorization amount and you would have incurred overdraft fees but the transactions would have been within the CLEAR Coverage service grace zone and the fees would have been $7 instead of $37. You previously received a courtesy credit for one $37 overdraft fee on June 15th. We have also credited the difference between the $7 fee and the $37 fee which was $120 on June 20th. The bank strives to provide excellent customer service and when that does not happen we take prompt action. I want to thank you for bringing these issues to our attention and I also want to apologize for the inconvenience they have caused.
Guaranty Bank is responding to the complaint from Nikisha S[redacted]t in regard to debit card issues. DeeOntra from our Customer Service Center contacted you by phone in regard to the issues. She verified that the debit cards were being sent to the correct address and verified that your last name is...
now Cloud. Unfortunately, we were not able to reactivate your current debit card ending in 1986 but new debit cards for you and the other joint owner Tyson were sent via FedEx expedited delivery at no cost to you. The tracking numbers are: Nikisha -705810835560 and Tyson -705810835630. We apologize for the issues you experienced. If you have any questions, please contact our Customer Service Center at (800) 235-4636.
Guaranty Bank is responding to a complaint from Ann [redacted] regarding a $3 ATM surcharge fee that Ann indicated she authorized assuming that the branch employee would exchange the cash for coin. The [redacted] reviewed this complaint with the [redacted] who was not aware of this situation....
The bank is willing to reimburse Ann [redacted] for the $3 ATM surcharge fee. We feel the bank employee did not intentionally mislead Ann, but there could have been a misunderstanding and we apologize. It is the bank’s policy to not perform cash exchanges for non-customers. As Ann is not a customer, a check has been mailed to the address listed in the complaint on 1/5/16.
Guaranty Bank, doing business as BestBank in Michigan and
Georgia, is responding to the complaint from [redacted] in regard to not being
able to log in to online banking and sign up for online statements, and the
request to refund the $2 paper statement fees because of this issue.The bank...
strives to provide
excellent customer service and when that does not happen we take prompt action.
I want to thank [redacted] for bringing these issues to our attention and I
also want to apologize for the inconvenience they have caused.[redacted], our Customer Service Operations Specialist, walked
[redacted] through the online banking and online statement enrollment process.
Her three business accounts are now enrolled in online statements and we have credited
the $2 paper statement fee on all three accounts. [redacted] gave [redacted] his direct phone number
(###-###-####) if any further assistance is needed.
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.In addition to the deposit my account had funds available as Best Bank mentioned in response to my initial inquiry. Also, the message referenced transactions that were not referenced in the notice I received. In short, Best Bank gave me contradictory information regarding the transactions that caused the overdraft fees and ignored the fact that even if the check was not taken into account I had enough funds in the account according to my records and theirs to cover two of the three transactions I was charged a fee for. Lastly, according to the policy I was provided the funds should have been available Monday June 6, 2016 regardless.
Regards,
[redacted]
11-5-15
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. I want to personally thank [redacted] for reaching out to me in such a timely manner, and for helping me resolve my issue so quickly. He has been very helpful and understanding of my situation and was able to help me take care of the issue. I am happy to say I will be returning back to Guaranty Bank in the near future.
Regards,
[redacted]
Guaranty Bank is responding to a complaint from [redacted] in regard to a debit card transaction and overdraft fee. [redacted], our Customer Service Operations Specialist, has tried to reach you by phone but he has not been successful. When you use your debit card, you must have enough money in...
the account when the purchase is made. If there is not enough money in the account, you will incur overdraft fees. On 9/20/16 a debit card transaction for $65.48 posted to your account. The balance in the account when it posted was $3.84 and you incurred one overdraft fee. The bank does not control when a debit card transaction posts. As a one-time customer courtesy this overdraft fee has been refunded to your account. We ask you to consider the following alternatives to help you reduce or avoid overdraft fees going forward:-Opt 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. You can opt out at any branch location, via online banking or by calling ###-###-####, Option 6. -Link a savings account to your checking account for automatic transfers to cover overdrafts at a cost of $15 per transfer.-Keep a current and accurate check/transaction register in which you record all your deposits and withdrawals.
[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 Georgia and Michigan, is responding to a complaintwe received in reference to a past due amount.Your personal checking account ending in [redacted] became overdrawn on June 7, 2014 and was closed witha balance owed of $432.97 on August 6, 2014.The bank no...
longer owns this debt. The debt was sold to [redacted]. Their address is [redacted]. Or you may call [redacted] at ###-###-####.
Guaranty Bank, which does business as BestBank in Michigan and Georgia, is responding to the complaint from [redacted] in regard to issues experienced when opening a new account. The bank strives to provide excellent service and when that does not happen we take prompt action. I want to thank you...
for bringing these issues to our attention and I also want to apologize for the inconvenience they have caused.[redacted], the Branch Manager, reached out to resolve these issues. The two-$2 paper statement fees have been refunded to your account and our records indicate that you have enrolled in online statements to avoid this fee going forward. We sincerely apologize for these issues and look forward to serving you in your new banking relationship with us.
[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: Target did NOT send multiple transactions for the same purchase. This bank manipulates the processing order of transactions in order to draw multiple overdraft fees. Warning to anyone opening an account: be VERY careful, even when you keep am accurate record and check with your online banking, that does not mean you are safe from guaranty bank processing system! The bank did return all of the fees that never should have incurred, so for that, I am satisfied with my complaint.
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, doing business as BestBank in [redacted] and [redacted], is responding to a complaint from [redacted] in regard to overdraft fees that occurred due to a bank error. [redacted], our Customer Service Operations Specialist, contacted [redacted] in regard to this...
complaint.[redacted] reviewed the transaction history and overdraft fees and found that an additional $592 in overdraft fees needed to be credited due to the error. This amount was credited to account xxxxxx2801 on 2/1/16 along with a courtesy credit of $111 in overdraft fees.We apologize that the fee credit was not calculated properly on 1/13/16 when [redacted] brought the error to our attention.
Overdraft fees were charged as disclosed. Letter sent to customer asking her to provide copies of the screen shots she is referring to in the complaint (copy of letter attached). Tried to reach her by phone but we were not successful.
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. [redacted] was very patient with me, walked me through the set up, walked me through statement delivery method, and returned my call promptly at 4:30 when we scheduled it. I am very pleased with the professionalism that [redacted] showed me. I will gladly keep my business checking accounts with Best Bank and even opened two more today. Thank you so very much.
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.I only had a balance owing because I had all of these mysterious .10 charges that were pinging my account and no one at the bank could tell me where there were coming from. And with those charges The bank was charging me $36 and then another charge for $37 and a seven dollar charge for each ping. I was moving at the time of right before August and I did not receive any letters from them I don't know if it got lost at the post office or if they were ever send I did try to contact the bank three separate times at the home office to try and clear this up to no avail . These charges however are not only out rages but bogus . I appreciate your help in this matter. And in regards to them selling off my account to some shark her to try and collect their own is ridiculous you only deal with the person that put the charge on your credit to get it off we all know that .respectfully [redacted]
[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 [redacted] in regard to an ACH transaction which the bank posted to your personal account because the ACH was in your personal name and not the business name. We apologize for the inconvenience this has caused. [redacted], our Customer Service...
Operations Specialist, contacted you in regard to this issue. He has informed the department that posted the ACH transaction of the issue and has processed a refund on 7/21/16 for the two overdraft fees you incurred. If you have any further issues please contact [redacted] at ###-###-####.
Guaranty Bank, which does business as BestBank in Michigan
and Georgia, is responding to a complaint from [redacted]
requested a split deposit to her accounts on 10/28/15. The check hold was placed
on the checking account instead of the savings account, as [redacted]...
requested,
which resulted in overdraft fees. Prior
to the complaint [redacted] received a courtesy overdraft fee reversal of $37 on
11/3 and $111 on 11/9. [redacted], our
[redacted], spoke with [redacted] and apologized for this error. She agreed
to refund all the overdraft fees due to this error. The remaining overdraft
fees were credited to the account on 11/30 and 12/1. [redacted] also agreed to
reimburse [redacted] for any merchant fees due to this error once [redacted]
provides documentation for the merchant fees to [redacted].
Guaranty Bank, which does business as BestBank in Michigan and Georgia, is responding to a complaint in regard to an overdraft fee. We have tried to reach [redacted] but have not been successful. [redacted] incurred an overdraft fee due to spending more than he had available in the account. There...
was $25.18 in the account and $23.89 was spent with debit card transactions which were authorized and there were not enough funds in the account when check #1042 cleared, that is why an overdraft fee was charged. For any questions, please call [redacted] at ###-###-####.
Guaranty Bank is responding to a complaint from [redacted] in regard to paper statement fees. On July 19, 2016 the bank mailed a $4 check to the address [redacted] provided. The account was also closed as requested.
[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 complaint from [redacted] in regard to overdraft fees due to an incorrect debit card authorization hold from Thrifty car rental. [redacted], our Customer Engagement Team Lead, contacted you in regard to...
this complaint. [redacted] recalculated your available balance taking into account the correct authorization amount and you would have incurred overdraft fees but the transactions would have been within the CLEAR Coverage service grace zone and the fees would have been $7 instead of $37. You previously received a courtesy credit for one $37 overdraft fee on June 15th. We have also credited the difference between the $7 fee and the $37 fee which was $120 on June 20th. The bank strives to provide excellent customer service and when that does not happen we take prompt action. I want to thank you for bringing these issues to our attention and I also want to apologize for the inconvenience they have caused.
Guaranty Bank is responding to the complaint from Nikisha S[redacted]t in regard to debit card issues. DeeOntra from our Customer Service Center contacted you by phone in regard to the issues. She verified that the debit cards were being sent to the correct address and verified that your last name is...
now Cloud. Unfortunately, we were not able to reactivate your current debit card ending in 1986 but new debit cards for you and the other joint owner Tyson were sent via FedEx expedited delivery at no cost to you. The tracking numbers are: Nikisha -705810835560 and Tyson -705810835630. We apologize for the issues you experienced. If you have any questions, please contact our Customer Service Center at (800) 235-4636.
Guaranty Bank is responding to a complaint from Ann [redacted] regarding a $3 ATM surcharge fee that Ann indicated she authorized assuming that the branch employee would exchange the cash for coin. The [redacted] reviewed this complaint with the [redacted] who was not aware of this situation....
The bank is willing to reimburse Ann [redacted] for the $3 ATM surcharge fee. We feel the bank employee did not intentionally mislead Ann, but there could have been a misunderstanding and we apologize. It is the bank’s policy to not perform cash exchanges for non-customers. As Ann is not a customer, a check has been mailed to the address listed in the complaint on 1/5/16.
Guaranty Bank, doing business as BestBank in Michigan and
Georgia, is responding to the complaint from [redacted] in regard to not being
able to log in to online banking and sign up for online statements, and the
request to refund the $2 paper statement fees because of this issue.The bank...
strives to provide
excellent customer service and when that does not happen we take prompt action.
I want to thank [redacted] for bringing these issues to our attention and I
also want to apologize for the inconvenience they have caused.[redacted], our Customer Service Operations Specialist, walked
[redacted] through the online banking and online statement enrollment process.
Her three business accounts are now enrolled in online statements and we have credited
the $2 paper statement fee on all three accounts. [redacted] gave [redacted] his direct phone number
(###-###-####) if any further assistance is needed.
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.In addition to the deposit my account had funds available as Best Bank mentioned in response to my initial inquiry. Also, the message referenced transactions that were not referenced in the notice I received. In short, Best Bank gave me contradictory information regarding the transactions that caused the overdraft fees and ignored the fact that even if the check was not taken into account I had enough funds in the account according to my records and theirs to cover two of the three transactions I was charged a fee for. Lastly, according to the policy I was provided the funds should have been available Monday June 6, 2016 regardless.
Regards,
[redacted]
11-5-15
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. I want to personally thank [redacted] for reaching out to me in such a timely manner, and for helping me resolve my issue so quickly. He has been very helpful and understanding of my situation and was able to help me take care of the issue. I am happy to say I will be returning back to Guaranty Bank in the near future.
Regards,
[redacted]
Guaranty Bank is responding to a complaint from [redacted] in regard to a debit card transaction and overdraft fee. [redacted], our Customer Service Operations Specialist, has tried to reach you by phone but he has not been successful. When you use your debit card, you must have enough money in...
the account when the purchase is made. If there is not enough money in the account, you will incur overdraft fees. On 9/20/16 a debit card transaction for $65.48 posted to your account. The balance in the account when it posted was $3.84 and you incurred one overdraft fee. The bank does not control when a debit card transaction posts. As a one-time customer courtesy this overdraft fee has been refunded to your account. We ask you to consider the following alternatives to help you reduce or avoid overdraft fees going forward:-Opt 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. You can opt out at any branch location, via online banking or by calling ###-###-####, Option 6. -Link a savings account to your checking account for automatic transfers to cover overdrafts at a cost of $15 per transfer.-Keep a current and accurate check/transaction register in which you record all your deposits and withdrawals.
[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 Georgia and Michigan, is responding to a complaintwe received in reference to a past due amount.Your personal checking account ending in [redacted] became overdrawn on June 7, 2014 and was closed witha balance owed of $432.97 on August 6, 2014.The bank no...
longer owns this debt. The debt was sold to [redacted]. Their address is [redacted]. Or you may call [redacted] at ###-###-####.
Guaranty Bank, which does business as BestBank in Michigan and Georgia, is responding to the complaint from [redacted] in regard to issues experienced when opening a new account. The bank strives to provide excellent service and when that does not happen we take prompt action. I want to thank you...
for bringing these issues to our attention and I also want to apologize for the inconvenience they have caused.[redacted], the Branch Manager, reached out to resolve these issues. The two-$2 paper statement fees have been refunded to your account and our records indicate that you have enrolled in online statements to avoid this fee going forward. We sincerely apologize for these issues and look forward to serving you in your new banking relationship with us.