Guaranty Bank is responding to a complaint from [redacted] in regard to overdraft fees incurred for transactions that posted to her account on 10/21/ [redacted] , our Customer Service Operations Specialist, spoke with [redacted] in regard to this complaintIt was determined that Target.com sent multiple authorizations for $on 10/17, 10/and 10/for what looks to be the same purchaseAs a customer courtesy the bank has refunded four overdraft fees and you received credit for these fees on 11/3/15.Some alternatives you may want to consider to help you reduce or avoid overdraft fees going forward include:Linking a savings account to your checking account for automatic transfers to cover overdrafts at a cost of $per transfer.Opting out of the overdraft program for ATM and everyday debit card transactionsWhen you opt out these transactions will be declined when you do not have enough available funds in your account and no overdraft fee is chargedTo opt out call ###-###-####, Option Transferring your account to a Relationship Checking accountThis account has no overdraft service or overdraft feesThere is a monthly service fee of $for this account
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 correctThe bank charges a per item overdraft fee as disclosed in the Account Disclosure and CLEAR Coverage Service AgreementOn May 26, Mr [redacted] opted out of the overdraft program for ATM and everyday debit card transactionsThese transactions will be declined when there are not available funds in the account and no overdraft fee is chargedAs a customer courtesy, on June 19, the bank refunded one additional $overdraft fee With this courtesy reversal Mr [redacted] incurred one overdraft fee for the overdrafts on May 23,
Guaranty Bank tried to reach [redacted] by phone but we were not successful [redacted] requested a stop payment on 12/18/for a [redacted] transaction in the amount of $This transaction was presented on 12/21/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 dayThe 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, 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 $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 $paper statement fee on all three accounts [redacted] gave [redacted] his direct phone number (###-###-####) if any further assistance is needed
Guaranty Bank is responding to a complaint from [redacted] in regard to a Stop PaymentCatheryne from our Customer Service Center worked with [redacted] on this issueThe transaction that [redacted] placed a Stop Payment on was not paid as per her requestThe 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
[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 complaint from [redacted] *** [redacted] requested a split deposit to her accounts on 10/28/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 $on 11/and $on 11/ [redacted] , our [redacted] , spoke with [redacted] and apologized for this errorShe agreed to refund all the overdraft fees due to this errorThe remaining overdraft fees were credited to the account on 11/and 12/ [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 from [redacted] in regard to overdraft feesBrandon, our Customer Service Operations Specialist, reached out to [redacted] by phoneHe informed her that the bank previously refunded the $ overdraft fee on 3/14/and the continuous overdrawn fee of $was refunded on 3/15/To avoid overdraft fees on debit card and ATM transactions [redacted] may want to consider opting out of the overdraft service for these transactionsWhen opted out these transactions will be declined when there are not available funds in the accountThe opt out request can be processed at any branch location, via online banking or by calling ###-###-#### and selecting Option
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] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, John [redacted] I was never contacted by your bankI had to REPEATEDLY contact youI corrected the email address on three different occasions and still didn't not receive anythingThat part has now been resolved, but weirdI STILL haven't received the check that you claim was overnighted!
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 $in overdraft fees needed to be credited due to the errorThis amount was credited to account xxxxxxon 2/1/along with a courtesy credit of $in overdraft fees.We apologize that the fee credit was not calculated properly on 1/13/when [redacted] brought the error to our attention
The bank no longer owns the debtsThe attached letter provides a phone number and contact that the customer can callThe letter will also be mailed to [redacted]
Guaranty Bank is responding to a complaint from Carolina [redacted] in regard to the account ending in which remained negative for 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/with a deposit of $Disclosures which included the fee were provided when the account was opened You withdrew $from an ATM on 9/27/and the ATM surcharge overdrew the accountMonthly services charges for October and November also overdrew the accountYour replies to emails were not received until the account was overdrawn As a customer courtesy we have credited $for the ATM surcharge and fees to the account on 1/26/The balance after the credits is $The account is closedThere is no Chex record and we do not report overdrawn accounts to the credit bureaus
Guaranty Bank is responding to a complaint from [redacted] in regard to merchant errors and overdraft feesA debit card transaction for [redacted] posted to her account on 12/4/for $and a credit for that transaction was received from the merchant on 12/9/Also a debit card transaction for [redacted] posted to her account on 12/5/for $and a partial credit of $was received from the merchant on 12/7/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 recalculatedTaking 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 $posted to the account on December 7, the account would have still been overdrawn by -$The account received credit for the overdraft fees charged due to the merchant errors prior to the complaint on 12/10/The account also received credit for an additional overdraft fees as a customer courtesy on 12/30/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
[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 purchaseThis bank manipulates the processing order of transactions in order to draw multiple overdraft feesWarning 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 is responding to the complaint from [redacted] in regard to fees assessed on an accountThe bank strives to provide excellent service and when that does not happen we take prompt actionI want to thank you for bringing the issue regarding the $fee you incurred for the cashier’s check to our attention This fee has been refundedThe other fee to which your complaint refers, however, is a cash processing feeAs 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 cashIf 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
11-5- 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 meI want to personally thank [redacted] for reaching out to me in such a timely manner, and for helping me resolve my issue so quicklyHe has been very helpful and understanding of my situation and was able to help me take care of the issueI 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 an ACH transaction which the bank posted to your personal account because the ACH was in your personal name and not the business nameWe apologize for the inconvenience this has caused [redacted] , our Customer Service Operations Specialist, contacted you in regard to this issueHe has informed the department that posted the ACH transaction of the issue and has processed a refund on 7/21/for the two overdraft fees you incurredIf you have any further issues please contact [redacted] at ###-###-####
Guaranty Bank is responding to a complaint from [redacted] in regard to overdraft fees incurred for transactions that posted to her account on 10/21/ [redacted] , our Customer Service Operations Specialist, spoke with [redacted] in regard to this complaintIt was determined that Target.com sent multiple authorizations for $on 10/17, 10/and 10/for what looks to be the same purchaseAs a customer courtesy the bank has refunded four overdraft fees and you received credit for these fees on 11/3/15.Some alternatives you may want to consider to help you reduce or avoid overdraft fees going forward include:Linking a savings account to your checking account for automatic transfers to cover overdrafts at a cost of $per transfer.Opting out of the overdraft program for ATM and everyday debit card transactionsWhen you opt out these transactions will be declined when you do not have enough available funds in your account and no overdraft fee is chargedTo opt out call ###-###-####, Option Transferring your account to a Relationship Checking accountThis account has no overdraft service or overdraft feesThere is a monthly service fee of $for this account
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 correctThe bank charges a per item overdraft fee as disclosed in the Account Disclosure and CLEAR Coverage Service AgreementOn May 26, Mr [redacted] opted out of the overdraft program for ATM and everyday debit card transactionsThese transactions will be declined when there are not available funds in the account and no overdraft fee is chargedAs a customer courtesy, on June 19, the bank refunded one additional $overdraft fee With this courtesy reversal Mr [redacted] incurred one overdraft fee for the overdrafts on May 23,
Guaranty Bank tried to reach [redacted] by phone but we were not successful [redacted] requested a stop payment on 12/18/for a [redacted] transaction in the amount of $This transaction was presented on 12/21/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 dayThe 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, 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 $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 $paper statement fee on all three accounts [redacted] gave [redacted] his direct phone number (###-###-####) if any further assistance is needed
Guaranty Bank is responding to a complaint from [redacted] in regard to a Stop PaymentCatheryne from our Customer Service Center worked with [redacted] on this issueThe transaction that [redacted] placed a Stop Payment on was not paid as per her requestThe 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
[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 complaint from [redacted] *** [redacted] requested a split deposit to her accounts on 10/28/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 $on 11/and $on 11/ [redacted] , our [redacted] , spoke with [redacted] and apologized for this errorShe agreed to refund all the overdraft fees due to this errorThe remaining overdraft fees were credited to the account on 11/and 12/ [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 from [redacted] in regard to overdraft feesBrandon, our Customer Service Operations Specialist, reached out to [redacted] by phoneHe informed her that the bank previously refunded the $ overdraft fee on 3/14/and the continuous overdrawn fee of $was refunded on 3/15/To avoid overdraft fees on debit card and ATM transactions [redacted] may want to consider opting out of the overdraft service for these transactionsWhen opted out these transactions will be declined when there are not available funds in the accountThe opt out request can be processed at any branch location, via online banking or by calling ###-###-#### and selecting Option
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] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, John [redacted] I was never contacted by your bankI had to REPEATEDLY contact youI corrected the email address on three different occasions and still didn't not receive anythingThat part has now been resolved, but weirdI STILL haven't received the check that you claim was overnighted!
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 $in overdraft fees needed to be credited due to the errorThis amount was credited to account xxxxxxon 2/1/along with a courtesy credit of $in overdraft fees.We apologize that the fee credit was not calculated properly on 1/13/when [redacted] brought the error to our attention
The bank no longer owns the debtsThe attached letter provides a phone number and contact that the customer can callThe letter will also be mailed to [redacted]
Guaranty Bank is responding to a complaint from Carolina [redacted] in regard to the account ending in which remained negative for 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/with a deposit of $Disclosures which included the fee were provided when the account was opened You withdrew $from an ATM on 9/27/and the ATM surcharge overdrew the accountMonthly services charges for October and November also overdrew the accountYour replies to emails were not received until the account was overdrawn As a customer courtesy we have credited $for the ATM surcharge and fees to the account on 1/26/The balance after the credits is $The account is closedThere is no Chex record and we do not report overdrawn accounts to the credit bureaus
Guaranty Bank is responding to a complaint from [redacted] in regard to merchant errors and overdraft feesA debit card transaction for [redacted] posted to her account on 12/4/for $and a credit for that transaction was received from the merchant on 12/9/Also a debit card transaction for [redacted] posted to her account on 12/5/for $and a partial credit of $was received from the merchant on 12/7/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 recalculatedTaking 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 $posted to the account on December 7, the account would have still been overdrawn by -$The account received credit for the overdraft fees charged due to the merchant errors prior to the complaint on 12/10/The account also received credit for an additional overdraft fees as a customer courtesy on 12/30/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
[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 purchaseThis bank manipulates the processing order of transactions in order to draw multiple overdraft feesWarning 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 is responding to the complaint from [redacted] in regard to fees assessed on an accountThe bank strives to provide excellent service and when that does not happen we take prompt actionI want to thank you for bringing the issue regarding the $fee you incurred for the cashier’s check to our attention This fee has been refundedThe other fee to which your complaint refers, however, is a cash processing feeAs 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 cashIf 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
We have reviewed the request from [redacted] and have issued the provisional credit for $today (August 5th)
11-5- 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 meI want to personally thank [redacted] for reaching out to me in such a timely manner, and for helping me resolve my issue so quicklyHe has been very helpful and understanding of my situation and was able to help me take care of the issueI 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 an ACH transaction which the bank posted to your personal account because the ACH was in your personal name and not the business nameWe apologize for the inconvenience this has caused [redacted] , our Customer Service Operations Specialist, contacted you in regard to this issueHe has informed the department that posted the ACH transaction of the issue and has processed a refund on 7/21/for the two overdraft fees you incurredIf you have any further issues please contact [redacted] at ###-###-####