Product: Checking or savings account

XXXX/XXXX/2017 recieved a direct deposit of {$2600.00} to my checking account for a loan I was approved for as a joint applicant from a different financial company. My bank checking account company has received accepted and deducted MONEY from my direct deposit that was deposited XXXX/XXXX/2017 but will not allow me any access to my funds up to present day.. here is the complete history of my issue with the checking account .... My checking account had been overdrawn by {$18.00} for about 9 days because of a OVERDRAFT FEE of {$34.00} a couple of days after i had already brought my account to a positive balance from what I thought was the total amount to keep my account positive. I was then told that my account was to be placed on hold and no access online to see my account info ... Could not use ATM or debit card. And new accounts fraud Dept froze my funds including the direct deposit that was sent for my loan of XXXX.. I was specifically told that my account was to be FORCED POSITIVE BALANCE ACCOUNT CLOSED pending the final review to pay any fees or monies I may have owed .. such as the {$18.00} negative because of the over draft fee that started this whole mess. I was promised I would recieve a check in mail for any amounts that we 're in my account and sent to my last known address on file. My account is still same frozen funds..I have been told that I ca n't and wo n't be given my funds because they do n't see my name on the direct deposit that was sent to my account. The name that is showing is the best person I co applied with for the loan and I do have all the paper work and loan approved and agreements to show proof and was willing to send that to the bank and the Dept that is freezing my account but I was told to forget that and only way if me and the other person appear in bank together with a notary and sign documents and a lot of other hoops and hurdles just to get them to release my funds. I have not done anything against any policy 's and they are making seem that it 's a law for them to not send me my funds and close my bank checking account as they had many times told me would do ... The bank deducted the negative {$18.00} that my account was at from the direct deposit so they of course have paid themselves using the funds that they wo n't allow me to access or send me the check for because according to them it did n't belong to me.. so then why are they able to deduct what I owed from the funds that were sent to me and my account when they are stating I ca n't access the funds and they ca n't give me the check and close the account? This has gone on for too long and it 's causing me a financial hardships from them hurting my account with a fee of {$34.00} just days after getting my account back to a positive balance and bringing my account negative {$18.00} ; for 9 days and to planning hold and freeze because of the negative {$18.00} balance that went on for 9 days leading to them telling me my account would be closed they paid themselves for the negative Balance for the fee they charged me and finally to not allowing me to recieve my funds from my checking account that I must also make payments towards the loan funds that they wo n't release .. very bad hardship I 'm going thru and they do n't care at all