Guaranty Bank No Customer Service. Only Care About Fees. brown deer Wisconsin

Okay you get an overdraft, it happens.  Perhaps you are one who actually manages their account and this was a mistake.  But what do you do you go on some strange tangent and all of the sudden this is the worst bank ever.  Oh and no I am not saying you can't switch banks, or you shouldn't switch banks.  If it makes you feel better, go right ahead.  But I just hope you use the same dilligence and "critical eye" with your new bank that you are using here.

You then talk about the "bigger picture" and they don't watch over your account.  Okay, so how many times have you had fradulent transactions on your account?  As you didn't mention a single incident.

Since you seem so concerned about fradulent transactions, please tell us how a bank is supposed to determine a fraudulent transaction? 

Would this withdraw from the wrong account be fraudlent and they should have declined it?  WHY?  Because you never did that withdraw before?  Because it put you into overdraft?  Again...going into overdraft does NOT make it fradulent.  In fact just about every other bank out there would have done the EXACT same thing in this case.

As for watching over your account.  Do you want them to call you up EVERY time a charge comes through?  Perhaps only the first time you go to a new store?  Perhaps they should assume you never travel and any charge that is more than 50 miles away from your house to automatically decline. 

So be sure to ask your next bank how they will "watch over" your account.  They may give you a better answer, but if they say they can guarantee they will stop 100% of the fradulent transactions BEFORE they happen..they are lying  Let me give you one example.  A TV is not a common purchase, but people do buy them.  So how would you expect them to handle you going into a "Big Box" store and spending $500 on a TV?  Should they see that as fradulent because you don't normally spend $500 in a store?  Should they decline it?  Should they require you to contact them in advance letting them know you may purchase a TV? 

You talk about not being able to transfer funds.  To help you in your case you would have needed a bank to do an Instant Transfer.  Well I can tell you that no bank will be able to do this short of paying a wire transfer fee.  I have accounts at a few different banks, and not one gives me the ability to transfer money instantly.  Generally the lead time is 2-3 days and I have had a few cases where it was 4 days.  So again in your case this would have been useless because you would be in "overdraft" for several days.  So again when you go to your next bank be sure to ask them if you can INSTANTLY transfer funds to another bank.  If they say yes...ask them to put it in writing.

You then mention about "googling" this bank and finding all of the complaints.  Again, before you choose your next bank I hope you "google" them as well with the same critical eye. 

Try sitting with customer service multiple times in order to gain access to online account. There is no way to transfer funds between banks with them. Drove from one bank to the next with the funds as soon as I could (next day when they were open) and made the account right. Agreed that I should be charged for one of the fees. By the way the issue was not resolved.

Bigger picture is that they don't watch over your account. If someone happens to gain access to your account and drains it from you they will keep charging you until you notice that your account is negative and you receive their letter a week after stating your account is negative. 

However they state that if your account did have fraudulent activity after you notify them that they will then investagate it and see if they will right your account. Apparently I am not the only one that feels this way about the bank as when you Google complaints about the bank there are multiple complaints about the same issues.

There are plenty of other banks that have better customer service and watch over the funds in the account. This bank does neither and is the reason why after being with them for over a decade I will be closing all my accounts with them.

I did the leg work. Not the typical American consumer mouth breather. I never complain about anything. This is my actual first complaint about a company in a public forum. Try going after the people who abuse the system and are leachers looking for handouts. I however am someone who actually works hard and takes pride in being in good standing with my financial institutions. 

I did make a mistake and should pay a fee. Just not an outragous one. 

 So YOU over draft YOUR account and because YOU have to ACTUALLY do some leg work to get the issue resolved, somehow MAGICALLY that makes the bank the bad guy? NOT because THEY are NOT going to waive YOUR over draft fee, but BECAUSE YOU HAVE TO DO WORK, THAT is the reason YOU go online and defame THEM. Because YOU screwed up and are being made to pay for that screw up, THEY are the bad guys?? Typical American consumer mouth breather tactics. NOT A RIPOFF!!!! Just someone who THINKS they are MORE IMPORTANT then they REALLY Are.