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Guaranty Bank

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Guaranty Bank Reviews (182)

***, from our Customer Service Center, contacted *** *** by phone*** *** asked for a copy of her statement which reflected the bonusShe thought the bonus was credited in but the statement shows it was credited in The bank mailed a copy of the statement to her with a
letter explaining her optionsI have attached a copy of the letter to the complaint response

[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]

I am responding to a complaint from [redacted] dated
11/17/2014. Mr. [redacted] stated that he opened a business account at Guaranty
Bank and incurred overdraft fees.
Our records indicate that you have received a courtesy
overdraft fee reversal of $74 on 11/17/2014. You also received a...

courtesy
overdraft fee reversal of $37 on 11/14/2014.
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.
Reviewing your
transaction history and available balance on a regular basis in Online
Banking at www.guarantybank.com
or by calling the telephone banking system at ###-###-####. You can also
set email message alerts in Online Banking to alert you when your balance
is low.

Guaranty Bank is responding to a complaint from [redacted]  [redacted] in regard to a Credit Builder Loan and
the monthly payments. [redacted], the [redacted], spoke with [redacted] in regard to this complaint.
[redacted] requested automatic payments from a
checking account and...

cancelled the automatic payment on 11/17/14.  The loan was reported as late in October. The
bank has corrected the credit bureau reporting due to the auto pay issue.   You
also set up automatic payments for an account which does not have your name as
an authorized signer.  You can set up
automatic payments from an account in your name at the branch, or you can make
the monthly payment at the branch location. You can cancel the Credit Builder
loan at any time by sending a letter to the bank or by contacting the branch as
listed in the Credit Builder Note. When you cancel the loan you receive an
amount equal to the principal of each installment that you paid plus interest
accrued on the Deposit.  If you have any
questions, please contact [redacted] at ###-###-####.

I am responding to a complaint from [redacted] in regard to
not being able to log in to Online Banking. Our records indicate you
successfully logged into Online Banking on 11/24/14 and 2/10/15. Our records
also show that overdraft transfers were not set up on your account. On 2/3/15
you...

had insufficient funds in your account to cover two preauthorized payments.
These payments were returned and you incurred two $37 return item fees. We
previously refunded one of the $37 return item fees as a customer courtesy on 2/9/15.
As a customer courtesy we have refunded the other $37 return check item fee on
2/11/2015.

Guaranty Bank is responding to a complaint from [redacted] in regard to overdraft fees on her business account. [redacted] from our Customer Service Center has spoken with the customer. The bank previously refunded one overdraft fee as a customer courtesy and the customer is requesting an additional...

refund of the continuous overdrawn fee. The account is currently overdrawn and the customer has agreed to make a deposit to bring the balance to -$36 and after the deposit is made the bank will credit $36 to bring the balance to $0.00. The customer said they would bring in the deposit on 4/10/15.

Refund was not issued. I had no way of knowing my account was in the negative. If I would have known I would have transferred the money myself to avoid paying a transfer charge. When I checked my account it had a positive balance at 8pm with a $100 deposit pending 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. Thank you for your time and assistance with this matter.
Regards,
 
[redacted]

Guaranty Bank has received and reviewed Mrs. [redacted]'s
complaint. We sincerely regret and apologize to
Mrs. [redacted] for what appears to be a clerical error made by our bank in 2013. It
appears that this unfortunate situation arose after Mrs. [redacted] asked the bank
to remove her late husband's...

name from the account. Our intent was to make Mrs.
[redacted] the primary contact person on the account. However, when we attempted to
do so, we apparently reported her as deceased in error for part of 2013. On January 22
and 23, 2015, Mrs. [redacted] spoke with [redacted], a supervisor in Guaranty
Bank's Loan Administration Department. Mrs. [redacted] apologized for the error
and advised Mrs. [redacted] that she would do everything that she could to ensure
that her Equifax credit report gets corrected promptly. Mrs. [redacted] told Mrs.
[redacted] that she spoke with Transunion and was able to get her credit report
with that company corrected by phone. Experian told her that it saw no problems
on its credit report.
On January 26, 2015, we received
Mrs. [redacted]'s formal dispute relative to her Equifax report. Mrs. [redacted]
promptly sent an update/correction to Equifax. Today, our Loan Administration
Department will confirm that the update was received by Equifax and is
reflected in Mrs. [redacted]'s current Equifax credit report. Once we receive the
confirmation, we will call Mrs. [redacted]. We believe that
this resolves the problem with the Equifax report. Again, we apologize for the
error and the inconvenience it caused Mrs. [redacted]. Thank you for your time and
attention.

I am responding to a complaint from [redacted] in regard to a debit card transaction error and overdraft fees due to
this error.  We apologize for the service
issues you experienced. We have shared these issues with our Service and Branch
Management so the issues can be...

addressed.
 
You incurred 11 overdraft fees from
11/12/2014 when the transaction error occurred and 11/19/2014 when the merchant
corrected the error. The overdraft fee you incurred for check #1261 for $575
was not refunded as your account would have been overdrawn if the error had not
occurred. We have credited your account for the remaining 10 overdraft fees.
 
Your account is opted in to the overdraft
service for ATM and everyday debit card transactions. If you want to have
transactions declined when you do not have available funds you can opt out of
the overdraft service for these transactions by 1) calling ###-###-####
option 6, 2) going to online banking and clicking on Customer Service and Change
ATM/Debit Card Overdraft, or 3) making the request at the branch or by mail.
 
Again, we
apologize for the service issues you encountered. If you have any questions please contact Kaprice in our Customer Service Center at ###-###-####.

Guaranty Bank is responding to the complaint from [redacted] in regard to overdraft fees. [redacted] from our Customer Service Center
spoke with [redacted] in regard to this complaint and explained unavailable funds.
As a customer courtesy the bank has refunded 2-$37 overdraft fees on April...

14th.[redacted] also reviewed some alternatives [redacted] may want to
consider to help reduce or avoid overdraft fees going forward including: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 ###-###-####, [redacted].
Reviewing your
transaction history and available balance on a regular basis in Online
Banking at [redacted] or by calling the telephone banking system at ###-###-####. You can also
set email message alerts in Online Banking to alert you when your account
balance is low.
Keeping a current and
accurate check/transaction register in which you record all your deposits
and withdrawals to avoid overdraft situations

Guaranty Bank is responding to a complaint from [redacted] in regard to services with [redacted] in December 2014 in the amount of $79.00 and $24.00. We have tried to reach [redacted] by phone but have not been successful. We reviewed the account activity for...

December for his account ending in 7259 and did not find any transactions in the amount of $79.00 or $24.00 for [redacted]s. We mailed copies of the December and January statements to [redacted] so he can review them. After reviewing the statements [redacted] should contact [redacted] at ###-###-#### with any questions.

[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 unsatisfactory to me. However something is better then nothing ... I'm still upset about my time and stress of this situation! Not to mention the gas money spent and time missed from work going back and forth! 
Regards,
 
[redacted]

I am responding to the complaint from [redacted] in regard to overdraft fees she incurred due to misinformation from a branch employee in regard to when a check deposit would be available.
Please accept our sincere apologies. 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 this issue to our attention and I also want to apologize for the inconvenience it has caused. The manager will work with the employee to ensure information conveyed to our customers is accurate.
You previously received a refund of overdraft fees on 2/9/2015 and an additional two fees were credited to your account on 2/12/15. Again, please accept our apologies. If you have any further questions or need additional information please feel free to call [redacted] in our Customer Service Center at ###-###-####.

Guaranty Bank is responding to a complaint from [redacted] in regard to a Credit Builder Loan. [redacted] stated the” bank
repeatedly will not take payments out of linked account and reports the account
as late”.
[redacted], the [redacted] spoke with [redacted] in
regard to...

this complaint. A review of the payment history indicates the
12/13/14, 1/13/15 and 2/13/15 automatic payments were rejected due to
insufficient funds in the checking account. The late payments were reported to
the credit bureau in December and January. The bank has corrected the credit
bureau reporting.  You can cancel the Credit Builder loan at any
time by sending a letter to the bank or by contacting the branch as listed in
the Credit Builder Note. When you cancel the loan you receive an amount equal
to the principal of each installment that you paid plus interest accrued on the
Deposit.  If you have any questions,
please contact [redacted] at ###-###-####.

[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. I have already mailed (on 1/8/15) the check and signed and notarized letter requesting my account be closed and a receipt be sent to my address. I now await action on the part of Guaranty Bank to complete the agreement. 
Regards,
 
[redacted]

I am responding to a complaint from [redacted] in regard to a night deposit and an overdraft fee. Our records show that a preauthorized withdrawal for $363.35 brought your account negative on 11/10/2014. Transactions are processed and overdraft fees are assessed during nightly processing and your...

deposit needs to be in the account and available prior to nightly processing. The bank paid this item instead of returning the item and charged a $37 overdraft fee as disclosed. You placed a deposit in the night deposit after hours on 11/10/2014 and this deposit was posted the next day 11/11/2014 after the overdraft fee had been assessed.  As a customer courtesy we have refunded the $37 overdraft fee and we have also refunded the continuous overdrawn fee of $36. The two fees have been credited to your account.

Guaranty Bank is responding to a complaint from [redacted] in reference to a $15 overdraft transfer fee. Our records indicate that [redacted] requested the Overdraft Protection Transfer service on her account. This service transfers funds from an account designated by the customer to cover...

overdrafts at a cost of $15 per transfer. On 2/19/15 the account was overdrawn. The Overdraft Protection Transfer service transferred funds to cover the overdraft amount and charged a $15 transfer fee as disclosed. If the customer did not have the Overdraft Protection Transfer service, a $37 overdraft fee would have been charged. The service worked as disclosed and the customer was not wrongfully charged. The deposit of $100 that was referred to in the complaint did not post until 2/20 and the transactions which caused an overdraft situation posted 2/19. [redacted], from our Customer Service Center, conveyed this information to the customer by phone. She also let [redacted] know that she can cancel the Overdraft Protection Transfer service at any time.

I am responding to a complaint from [redacted] in regard to not receiving her 1099 IRS form. We apologize for the service issues you encountered and that you did not receive the form which was mailed. The bank strives to provide excellent customer service and when that does not happen we...

take prompt action. [redacted] from our Customer Service Center contacted you in regard to this issue. She confirmed that a copy of the 1099 IRS form was mailed and you indicated that you received the copy. She also confirmed that another original 1099 IRS form was ordered and mailed on 3/2/15. If you do not receive this original form, please contact [redacted] at ###-###-####. Again we apologize for the inconvenience this has caused.

Guaranty Bank is responding to a complaint from [redacted]
[redacted] in regard to a $223 debit card purchase on March 9th which you
later became aware was fraudulent and the overdraft fees you incurred due to
this transaction. A refund of the 3-$37 overdraft fees has been processed and
your...

account was credited on 4/7/15. We apologize for the inconvenience this
has caused.

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Description: BANKS

Address: 28031 Bradley Rd, Sun City, California, United States, 92586-2207

Phone:

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Web:

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