Consumer complaint received 2018-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited two checks into an ATM from my employer today, XX/XX/XXXX. One check was for {$54.00} and the other for XXXX and cents. After the checks were deposited, I received a message from the ATM telling me that my {$2100.00} check was on HOLD. I quickly went into the branch to ask that I get my check returned to me and to question why my check is on HOLD if my account is current and I have been a member for years. I was told that the Branch has " NO '' ACCESS TO THE ATM '' S machines outside of the bank and I would have to call a 1800 #. This is ridiculous. So, I asked that I wanted my checks back and how is it that the branch does NOT have access of the ATM 's sitting outside of the branch clearly labeled " Bank of America '' .. I assume that the correlation has some relation to the Branch that is attached too. I asked to speak with a manger, I did and I was told they couldn't help me. So, here I am, a single mother with a {$2100.00} check, I need gas, groceries, I need to pay my bills and the bank has held my check " hostage '' because the check from my employer was needing to be verified. The verification of the check is NOT a problem, BUT the fact that the branch is not able to return my check is major problem to me. I am a single mom and no way to feed my child or put gas in my car SIMPLY because my BANK OF AMERICA.. ATM machine has kept my check, did not tell me in advance it was going to place it on hold or that the Branch has no correlation with the ATM 's machine 's outside of their XXXX, TX Branch on XXXX XXXX . I work with policies and procedures with Banking, I asked to see the bank 's disclosures and wanted to know where in the disclosures does it make me aware that if I deposit checks into the banks and a hard hold is placed on the account for a certain amount of time, that my check is not able to be returned to me .. so I can make other alternatives to myself. For now, I am held HOSTAGE by Bank of America for food, gas and any living expenses I have until first, the Check can bee seen ( because they can't see the check that was deposited ) and two wait until they can actually help me! This is absolutely ridiculous. I was provided with the XX/XX/XXXX Disclosures for the bank, I was told to read page 30-33 and I said " I must be stupid, because it surely does NOT disclose to me that the branch can not access the ATM, can not see the checks that I deposit, etc. " ..I said, this is exactly why Banks get sued, because we the consumers are NOT told or made aware of XXXX like this. So, for now, I have no money, they can't give me my check and I'm left to figure life on my own for the next two weeks.. until my check clears. Please call me or assist me with this issue, my name is XXXX XXXX and I can be reached at XXXX ; email ; XXXX. 

Thank you. 

XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief