The bank received the $10 money order on October 29, 2015 and returned it to [redacted] as requested on the 29th. I have attached a copy of the letter the customer will receive with the money order. The customer will also receive a copy of her account history which will come in a separate mailing. Our Customer Service Manager has reviewed the complaint and calls and provided coaching to the employees involved.
Guaranty Bank is responding to a complaint from [redacted] in regard to a Stop Payment. Catheryne from our Customer Service Center worked with [redacted] on this issue. The transaction that [redacted] placed a Stop Payment on was not paid as per her request. The transaction was reviewed and confirmed...
to be a match to your Stop Payment request and once confirmed it was returned and all overdraft fees charged as a result of the transaction were refunded.
Guaranty Bank is responding to the complaint from [redacted] in regard to a night deposit. We apologize for the issues you experienced. You have been reimbursed for all the overdraft and return check/item fees that you incurred from June 27, 2016 through July 6, 2016. Shannon, our Regional Manager,...
also contacted you to let you know that the bank will also reimburse any charges you incurred for the returns. You indicated you would send Shannon copies of the charges and once they are received we will credit your account. Again we apologize.
[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]
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]
[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: Thank you Revdex.com for all your help the full $340 was deposited to the account.
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 is responding to a complaint from [redacted] C [redacted]. In the complaint [redacted] states that the bank is holding her check. A review of her account indicates that her check is not being held. The bank has been trying to reach [redacted] by phone but has not been successful. We need [redacted] to...
call [redacted] in our Customer Research Dept at ###-###-#### to confirm the transactions on 6/11/16.
Guaranty Bank is responding to the rejection of our offer to
[redacted]. Mr. [redacted] thought the bank charged one overdraft fee per
day, which is not correct. The bank charges a per item overdraft fee as
disclosed in the Account Disclosure and CLEAR Coverage Service Agreement. On May
26, 2015 Mr. [redacted] opted out of the overdraft program for ATM and everyday
debit card transactions. These transactions will be declined when there are not
available funds in the account and no overdraft fee is charged. As a customer
courtesy, on June 19, 2015 the bank refunded one additional $37 overdraft fee.
With this courtesy reversal Mr. [redacted] incurred one overdraft fee for the
overdrafts on May 23, 2015.
[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. Brandon, our Customer Service Operations Specialist, reached out to [redacted] by phone. He informed her that the bank previously refunded the $37...
overdraft fee on 3/14/16 and the continuous overdrawn fee of $36 was refunded on 3/15/16. To avoid overdraft fees on debit card and ATM transactions [redacted] may want to consider opting out of the overdraft service for these transactions. When opted out these transactions will be declined when there are not available funds in the account. The opt out request can be processed at any branch location, via online banking or by calling ###-###-#### and selecting Option 6.
I am not satisfied because it was a bank error I had more than enough money in my account when I paid for the hotel. I would like the overdraft fees assessed to be returned immediately.
Guaranty Bank is responding to a complaint from [redacted] in regard to merchant errors and overdraft fees. A debit card transaction for [redacted] posted to her account on 12/4/15 for $177.41 and a credit for that transaction was received from the merchant on 12/9/15. Also a debit card...
transaction for [redacted] posted to her account on 12/5/15 for $817.00 and a partial credit of $436.00 was received from the merchant on 12/7/15. When a fax regarding the merchant error and emails from the specified merchants were received by the bank, the transaction history was reviewed and the balance was recalculated. Taking into account the partial refund from [redacted] (meaning part of the charge would have been valid) and the full refund from [redacted], when the transaction for $27.65 posted to the account on December 7, 2015 the account would have still been overdrawn by -$1.09. The account received credit for the 10 overdraft fees charged due to the merchant errors prior to the complaint on 12/10/15. The account also received credit for an additional 7 overdraft fees as a customer courtesy on 12/30/15. This credit was not part of the merchant error reversals.Guaranty Bank has tried to reach [redacted] by phone in regard to this complaint but we have not been successful. [redacted] can call Catheryne, our [redacted], at ###-###-#### with any questions.
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.] Funny how this lady calls me tells me it is all their fault and they have deplorable customer service at branch and main customer service problems and throws me under the bus with this drivel response. I did not attempt to use the debit card for a period of 5 days... the check cleared within 3.All I received from Guaranty Bank was lie after lie after lie.... Telling me the check was fraudulent... which led to a huge dispute with the writer of the check. Nobody writes checks by hand anymore? Please.Yes I told her that account was inactive for quite some time as I do have other accounts I use. Sorry.. this is a horrible attempt at resolution even though this Kim B[redacted] seemed nice on the phone and apologetic.
Regards,
[redacted]
Guaranty Bank is responding to a complaint from [redacted] in regard to being told the debit card was locked during the investigation but the lockout was not processed. In reviewing the account history, Nice Ride MN credited the $211 transaction referenced in the complaint on 6/7/16. The bank also...
provided a credit for the four overdraft fees on 6/9/16. Because the debit card was not locked, the bank credited the $39.95 Weekpayscom transaction on 6/14/16. The account received a total credit of $398.55 and the balance in the account is now $27.75. We apologize for the error of not locking the debit card.
Guaranty Bank, which does business as BestBank in [redacted] and [redacted], is responding to a complaint from [redacted] in regard to fees charged on the account ending in [redacted]. [redacted], our [redacted], spoke with [redacted] in regard to this complaint. A courtesy reversal of...
2- $2 paper statement fees and a $36 continuous overdraft fee was processed on 3/4/2016 and this account is now closed. We apologize for the service issues you experienced.
Guaranty Bank is responding to the complaint from [redacted] in regard to fees assessed on an 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 the issue regarding the $8 fee you incurred for the cashier’s...
check to our attention. This fee has been refunded. The other fee to which your complaint refers, however, is a cash processing fee. As described in your business account disclosure you received, a cash processing fee is charged when a business deposits over a certain amount in cash within a statement cycle. In other words, you can avoid this fee by depositing less than that amount of cash. If you have any questions about fees that may be assessed on your account, please refer to the rate sheet on the last page of your business account disclosure.
Guaranty Bank is responding to a complaint from [redacted] in
regard to Comcast preauthorized withdrawals from his business account. Tony
from our Customer Retention Dept. called you in regard to this complaint.
On 1/26/15 Comcast submitted a preauthorized w/d reversal of a
Comcast Biz...
Lead EDI payment which posted on 1/22/15. This resulted in an
overdraft in your account ending in 9586. Comcast also attempted a reversal of
a Comcast Biz Lead EDI payment on 1/26/15. This reversal was returned. Comcast
may require you to pay the $509.20 that they attempted to reverse.
Guaranty Bank reached out to Comcast on your behalf. Comcast
indicated that the reversal was a correction of a deposit which was made in
error. This issue would need to be resolved with Comcast as they are indicating
they had authorization for the reversal.
You may also
want to contact the Federal Trade Commission (FTC) to file a complaint on the
business you reference in your complaint. Complaints from consumers help the
FTC detect patterns of fraud and abuse. You may contact the FTC by phone at
[redacted] (###-###-####) or via their website at https://www.ftccomplaintassistant.gov/.
The
bank is willing to refund the 2-$37 overdraft fees and 1-$36 continuous
overdrawn fee you incurred due to these reversal transactions if
the balance owed to the bank of ($266.10) is paid by 7/31/2015. This offer to
refund the fees will only be good until 7/31/15. Please forward the amount owed
of $266.10 to Guaranty Bank, Attn:
Tony/Retention, [redacted] [redacted]. Once this amount is received, the
fees will be refunded bringing your account to $0, the account will be closed
and the Chex Record will be removed. If you have any further questions, please
contact Tony at ###-###-####.
Guaranty Bank is responding to a complaint we received in reference to your business checking account [redacted]5109 which was closed with monies owed on 5/9/2016. [redacted] our Senior Vice President of Operations spoke with you by phone in regard to this complaint. The Account Disclosure that you...
received when the account was opened provides information on when an overdrawn balance account is closed: Repaying an overdrawn balance If your account is overdrawn, you should bring that balance positive as soon as possible so you can avoid the Continuous Overdrawn Fee. If your account remains negative for 60 consecutive calendar days the bank will close the account. We do not show that a payment arrangement was made but you did make deposits to reduce the amount owed. As a customer courtesy the bank has provided a courtesy overdraft reversal of three $37 overdraft fees and you made a deposit to the account for the remaining balance of $184.38 on 5/18/16. Your account is paid in full and the Chex record has been removed.
Guaranty Bank is responding to a complaint from [redacted] in regard to a stop payment. Barb from our Claims Department tried to reach [redacted] by phone but was not successful. Our records show that [redacted] entered a stop payment for a debit card transaction in our Online Banking Stop a check...
system. Debit card transactions cannot be stopped. We have refunded the Stop Payment fee. Our Claims department contacted the company that processed the debit card transaction and they have the customer’s authorization for the transaction. This is a recurring debit card transaction which also posted to the account in March. [redacted] would need to contact the company to cancel this recurring transaction. As a customer courtesy the bank has refunded the overdraft fees for this transaction and we apologize for the inconvenience the stop payment issue has caused. If you have any further questions, please contact Barb at [redacted].
The bank received the $10 money order on October 29, 2015 and returned it to [redacted] as requested on the 29th. I have attached a copy of the letter the customer will receive with the money order. The customer will also receive a copy of her account history which will come in a separate mailing. Our Customer Service Manager has reviewed the complaint and calls and provided coaching to the employees involved.
Guaranty Bank is responding to a complaint from [redacted] in regard to a Stop Payment. Catheryne from our Customer Service Center worked with [redacted] on this issue. The transaction that [redacted] placed a Stop Payment on was not paid as per her request. The transaction was reviewed and confirmed...
to be a match to your Stop Payment request and once confirmed it was returned and all overdraft fees charged as a result of the transaction were refunded.
Guaranty Bank is responding to the complaint from [redacted] in regard to a night deposit. We apologize for the issues you experienced. You have been reimbursed for all the overdraft and return check/item fees that you incurred from June 27, 2016 through July 6, 2016. Shannon, our Regional Manager,...
also contacted you to let you know that the bank will also reimburse any charges you incurred for the returns. You indicated you would send Shannon copies of the charges and once they are received we will credit your account. Again we apologize.
[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]
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]
[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: Thank you Revdex.com for all your help the full $340 was deposited to the account.
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 is responding to a complaint from [redacted] C [redacted]. In the complaint [redacted] states that the bank is holding her check. A review of her account indicates that her check is not being held. The bank has been trying to reach [redacted] by phone but has not been successful. We need [redacted] to...
call [redacted] in our Customer Research Dept at ###-###-#### to confirm the transactions on 6/11/16.
Guaranty Bank is responding to the rejection of our offer to
[redacted]. Mr. [redacted] thought the bank charged one overdraft fee per
day, which is not correct. The bank charges a per item overdraft fee as
disclosed in the Account Disclosure and CLEAR Coverage Service Agreement. On May
26, 2015 Mr. [redacted] opted out of the overdraft program for ATM and everyday
debit card transactions. These transactions will be declined when there are not
available funds in the account and no overdraft fee is charged. As a customer
courtesy, on June 19, 2015 the bank refunded one additional $37 overdraft fee.
With this courtesy reversal Mr. [redacted] incurred one overdraft fee for the
overdrafts on May 23, 2015.
[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. Brandon, our Customer Service Operations Specialist, reached out to [redacted] by phone. He informed her that the bank previously refunded the $37...
overdraft fee on 3/14/16 and the continuous overdrawn fee of $36 was refunded on 3/15/16. To avoid overdraft fees on debit card and ATM transactions [redacted] may want to consider opting out of the overdraft service for these transactions. When opted out these transactions will be declined when there are not available funds in the account. The opt out request can be processed at any branch location, via online banking or by calling ###-###-#### and selecting Option 6.
I am not satisfied because it was a bank error I had more than enough money in my account when I paid for the hotel. I would like the overdraft fees assessed to be returned immediately.
Guaranty Bank is responding to a complaint from [redacted] in regard to merchant errors and overdraft fees. A debit card transaction for [redacted] posted to her account on 12/4/15 for $177.41 and a credit for that transaction was received from the merchant on 12/9/15. Also a debit card...
transaction for [redacted] posted to her account on 12/5/15 for $817.00 and a partial credit of $436.00 was received from the merchant on 12/7/15. When a fax regarding the merchant error and emails from the specified merchants were received by the bank, the transaction history was reviewed and the balance was recalculated. Taking into account the partial refund from [redacted] (meaning part of the charge would have been valid) and the full refund from [redacted], when the transaction for $27.65 posted to the account on December 7, 2015 the account would have still been overdrawn by -$1.09. The account received credit for the 10 overdraft fees charged due to the merchant errors prior to the complaint on 12/10/15. The account also received credit for an additional 7 overdraft fees as a customer courtesy on 12/30/15. This credit was not part of the merchant error reversals.Guaranty Bank has tried to reach [redacted] by phone in regard to this complaint but we have not been successful. [redacted] can call Catheryne, our [redacted], at ###-###-#### with any questions.
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.] Funny how this lady calls me tells me it is all their fault and they have deplorable customer service at branch and main customer service problems and throws me under the bus with this drivel response. I did not attempt to use the debit card for a period of 5 days... the check cleared within 3.All I received from Guaranty Bank was lie after lie after lie.... Telling me the check was fraudulent... which led to a huge dispute with the writer of the check. Nobody writes checks by hand anymore? Please.Yes I told her that account was inactive for quite some time as I do have other accounts I use. Sorry.. this is a horrible attempt at resolution even though this Kim B[redacted] seemed nice on the phone and apologetic.
Regards,
[redacted]
Guaranty Bank is responding to a complaint from [redacted] in regard to being told the debit card was locked during the investigation but the lockout was not processed. In reviewing the account history, Nice Ride MN credited the $211 transaction referenced in the complaint on 6/7/16. The bank also...
provided a credit for the four overdraft fees on 6/9/16. Because the debit card was not locked, the bank credited the $39.95 Weekpayscom transaction on 6/14/16. The account received a total credit of $398.55 and the balance in the account is now $27.75. We apologize for the error of not locking the debit card.
Guaranty Bank, which does business as BestBank in [redacted] and [redacted], is responding to a complaint from [redacted] in regard to fees charged on the account ending in [redacted]. [redacted], our [redacted], spoke with [redacted] in regard to this complaint. A courtesy reversal of...
2- $2 paper statement fees and a $36 continuous overdraft fee was processed on 3/4/2016 and this account is now closed. We apologize for the service issues you experienced.
Guaranty Bank is responding to the complaint from [redacted] in regard to fees assessed on an 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 the issue regarding the $8 fee you incurred for the cashier’s...
check to our attention. This fee has been refunded. The other fee to which your complaint refers, however, is a cash processing fee. As described in your business account disclosure you received, a cash processing fee is charged when a business deposits over a certain amount in cash within a statement cycle. In other words, you can avoid this fee by depositing less than that amount of cash. If you have any questions about fees that may be assessed on your account, please refer to the rate sheet on the last page of your business account disclosure.
Guaranty Bank is responding to a complaint from [redacted] in
regard to Comcast preauthorized withdrawals from his business account. Tony
from our Customer Retention Dept. called you in regard to this complaint.
On 1/26/15 Comcast submitted a preauthorized w/d reversal of a
Comcast Biz...
Lead EDI payment which posted on 1/22/15. This resulted in an
overdraft in your account ending in 9586. Comcast also attempted a reversal of
a Comcast Biz Lead EDI payment on 1/26/15. This reversal was returned. Comcast
may require you to pay the $509.20 that they attempted to reverse.
Guaranty Bank reached out to Comcast on your behalf. Comcast
indicated that the reversal was a correction of a deposit which was made in
error. This issue would need to be resolved with Comcast as they are indicating
they had authorization for the reversal.
You may also
want to contact the Federal Trade Commission (FTC) to file a complaint on the
business you reference in your complaint. Complaints from consumers help the
FTC detect patterns of fraud and abuse. You may contact the FTC by phone at
[redacted] (###-###-####) or via their website at https://www.ftccomplaintassistant.gov/.
The
bank is willing to refund the 2-$37 overdraft fees and 1-$36 continuous
overdrawn fee you incurred due to these reversal transactions if
the balance owed to the bank of ($266.10) is paid by 7/31/2015. This offer to
refund the fees will only be good until 7/31/15. Please forward the amount owed
of $266.10 to Guaranty Bank, Attn:
Tony/Retention, [redacted] [redacted]. Once this amount is received, the
fees will be refunded bringing your account to $0, the account will be closed
and the Chex Record will be removed. If you have any further questions, please
contact Tony at ###-###-####.
Guaranty Bank is responding to a complaint we received in reference to your business checking account [redacted]5109 which was closed with monies owed on 5/9/2016. [redacted] our Senior Vice President of Operations spoke with you by phone in regard to this complaint. The Account Disclosure that you...
received when the account was opened provides information on when an overdrawn balance account is closed: Repaying an overdrawn balance If your account is overdrawn, you should bring that balance positive as soon as possible so you can avoid the Continuous Overdrawn Fee. If your account remains negative for 60 consecutive calendar days the bank will close the account. We do not show that a payment arrangement was made but you did make deposits to reduce the amount owed. As a customer courtesy the bank has provided a courtesy overdraft reversal of three $37 overdraft fees and you made a deposit to the account for the remaining balance of $184.38 on 5/18/16. Your account is paid in full and the Chex record has been removed.
Guaranty Bank is responding to a complaint from [redacted] in regard to a stop payment. Barb from our Claims Department tried to reach [redacted] by phone but was not successful. Our records show that [redacted] entered a stop payment for a debit card transaction in our Online Banking Stop a check...
system. Debit card transactions cannot be stopped. We have refunded the Stop Payment fee. Our Claims department contacted the company that processed the debit card transaction and they have the customer’s authorization for the transaction. This is a recurring debit card transaction which also posted to the account in March. [redacted] would need to contact the company to cancel this recurring transaction. As a customer courtesy the bank has refunded the overdraft fees for this transaction and we apologize for the inconvenience the stop payment issue has caused. If you have any further questions, please contact Barb at [redacted].