Guaranty Bank, Idyllwild, CA / Fees upon fees
Their fees are outrageous and their employees rude, condescending and dishonest. I had three accounts with this bank and I can honestly say, they are by far the worst bank I have ever banked with.
When I set up my accounts, I explained that I would like my savings and checking account linked together, so that money was transferred automatically from one account to another. No problem, they told me. There would be a $7 charge and I would receive notification of the transfer.
In December, I did not check my account, but hey, if I was overdrawn, they would inform me, right? Wrong. Eleven times in a five week period they transferred money from my savings to checking account, costing me a total of $77 and not one single notice.
I called customer service. They told me refunds were impossible. I asked to speak to the manager. I was told he could call me back in 2 to 3 business days. I insisted I could not wait around for days hoping for a phone call and eventually was connected to a rude and abrupt man. He told me "You signed the papers, so you should have read them first. Refunds are impossible" and that I should have kept better track of my account. Good point, but where was the promised notification?
I went into the local branch and complained and said that I had not been notified of the overdrafts. They insisted that I had received them and told me "You need to check your mail more thoroughly" I assured them that I had checked my mail and that I could not possibly have overlooked 11 notifications. They insisted I had.
They eventually said they would refund half the charges. They came close by refunding $35 of the $77. I let it rest and marked it down to experience.
Two weeks later, I received a notification of a further $30 in fees for overstepping the six-transfer rule on my savings account.
Again, I went into the bank and was told that I should not have misused my accounts the way I had. My argument was that they had been the ones transferring money without letting me know. The manager was rude, argumentative and continued to insist that I had received notification of each transfer from them.
I eventually gave up and closed out my accounts. While counting out my money, the manager told me that they would soon have the capability to notify me of overdrafts by text message. Did she really think that would make up for poor service, expensive charges and rude employees?
I will never go back to this bank again and would strongly advise against anyone banking there.
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