Consumer complaint received 2015-03-26
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Account holder : XXXX XXXX XXXX XXXX & Bank of America XXXX XXXX XXXX branch My name is XXXX XXXX, my husband XXXX XXXX XXXX XXXX XXXX and I are Bank of America customers at XXXX XXXX XXXX branch and XXXX XXXX. The account in my name only, because at the time my husband and I discussed, agreed of opening " join account '' at Bank of America XXXX XXXX XXXX branch and XXXX XXXX with my name first while my husband XXXX XXXX XXXX serving in XXXX as XXXX XXXX XXXX he was unable to come to the bank together with me for open the XXXX accounts, saving and checking. 
During the time I was opening the XXXX accounts, I told the bank clerk, it is join account with my husband, family account, but my husband is XXXX, I will add his name to the account after he come home. 
Electronic transfer verification by XXXX XXXX : After we opened an account with XXXX XXXX, an account in my name but because family account hold both of us money, I handed online access to my husband XXXX XXXX, and I understood of electronic verification was after we input our Bank of America account information into XXXX Bank our account record, XXXX made XXXX small deposit amounts in our Bank of America, and XXXX XXXX provided screen after customers login, check box of account, click " verify '' the next screen provided XXXX boxes for filled in XXXX small amounts XXXX XXXX deposited in our Bank of America account! 
Evidences from written online line conversation, XXXX XXXX, 2015, my husband XXXX XXXX XXXX wrote included in the file attachment : - The company already call back the transfer, so ( you ) need of you going to BOA morning. 
- I got email that the call back the funds and will refund soon as I return to US soil. 
- I have no way to get hold of the airfare/ Honey you accuse me wrongly because I not the XXXX stopped transfer, the company manage funds did and I will personally sue them. 
- Honey the company managing my funds caused this financial fraud, but let me come to XXXX XXXX and deal with them myself. 
Evidences showed the debit hold on my saving account for {$XXXX} is serious felony crimes of fraud committed by XXXX XXXX and my husband XXXX XXXX XXXX managing his funds company! 
XXXX, the XXXX time by telephone, XXXX XXXX XXXX on XXXX XXXX, 2015 I went in the branch met with branch manager XXXX, presented evidences of the " Fraud Debit Hold '' originated from XXXX XXXX was felony crimes of FRAUD committed by the company manage my husband funds and XXXX XXXX, both time Bank of America told me, Bank of America ca n't release the hold, because the hold placed by XXXX XXXX XXXX XXXX Bank must call Bank of America the same number they call for release and Bank of America release the hold. I just spoke to XXXX, after I explained to him the facts, he told me to contact Consumer Financial Protection Bureau, who oversee banks operation. He also said to me, " Bank of America can release the hold, they do n't have to realize on other bank for release! " I request Bank of America immediately remove the " Fraud Debit Hold '' Fraudulently placed on my account by XXXX XXXX and my husband company who managing his funds while he in XXXX, for us have access to our money for my husband XXXX XXXX XXXX XXXX pay for airfare to leave XXXX tomorrow, XXXX XXXX, 2015 back to XXXX XXXX, California, USA, and also for us to pay our bills for our business in XXXX. 
I appreciated for your immediately actions. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX XXXX XXXX, XXXX. ( XXXX ) XXXX