Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
I don't know where to begin this as I get physically sicker dealing with this nonsense, but I am dealing with multiple tragic fires in my life and I recently had everything situationally stolen from me in a storage unit. There was an overpayment for the property and funds were due to me. The check was delayed XXXX months because of other nonsense with the storage company which caused more harm and hardship. I finally received the check on Monday, XX/XX/year>. I immediately eDeposited the check within an hour believing that the funds would be available within 1-2 days. The deposit was approved on the XXXX before I visited the branch. I went into the main branch yesterday on XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> where a copy of the check was given during conversations where I was promised urgent contact would be made with the back office team to ensure that the funds would be available within the next day ( today ). The manager, XXXX, XXXX, who I suspected was being duplicitous for some unknown reason, told me that after contact with the back office team the funds should be available by XXXX XXXX the next day ( today the XXXX ) and that I should look out for an email around that time. Let me note that during the conversations at the branch I noted multiple times that there were multiple pending transactions and that the account would go negative and that this was an emergency. When I woke up today the XXXX and turned my phone on not only did I discover that the funds weren't available as promised and expected, but there was an email indicating that the funds would be delayed and held FURTHER due to overdrafts in the past, most of which were related to the ongoing issues that caused me to lose all of my property. It appears as if it was the branch that caused or initiated a hold against my check after contacting the back office. I went into the branch for help and assistance and all they did was lie and not only did not help or assist, but made the situation MUCH WORSE! One of the emails I received from the back office around XXXXXXXX XXXX indicated that a hold would be put on the approved funds to XX/XX/year>. Around XXXX, as promised, I received an email from the branch manager who not only did not release the funds, but stated that the funds wouldn't be available for another 8 days to my extreme detriment. I immediately called the BOH call center and waited on hold at least XXXX minutes before reaching a representative who looked into the matter and wasn't able to override the actions of the back office or branch. She then referred me to supervisor XXXX on XXXX, XXXX, XXXX who agreed to escalate and look into why it appears that the downtown BOH branch triggered the hold on my check instead of the back office that later placed the hold that will delay availability as late as XX/XX/year>. She indicated further contact with the branch and back office to see if something could be done to try and remove the excessive funds hold against my approved deposited check. Not having these funds available timely is going to cause extra stress, hardship, and inconvenience by me not having these funds before the Monday holiday with everything closed. Moreover, there will be multiple ( XXXX ) XXXX & overdraft fees along with multiple returned payments that will detrimentally affect other creditor accounts. I will also suffer food insecurity and there is an ongoing health issue involved that these funds were supposed to finally resolve as well. This is so messed up, cruel, unfair, inhumane, and completely uncalled for! XXXX Update Around XXXX XXXX I logged into my BOH account and to my horror and extreme upset saw the detrimental undoing of multiple time sensitive and important transfers that will adversely affect multiple credit accounts! The bank clearly went in and maliciously made sure that every single transaction was returned, but they left multiple fees for them to try to give me difficulty to reverse. I know this to be true because an overdraft would normally allow a few transactions to a certain amount then start returning the payments. At least several of these crediitors will try more than once to collect the transaction funds before finally writing it off as a returned payment, which is extremely negative and detrimental. The pain, misery, and stress this bank has caused as of late is truly beyond disgusting, unfair, excessive, and without merit! As the negative toll on my accounts finalizes next week I plan to take measures of recovery for the undue and excessive harm. All of the other tragic XXXX I am dealing with only to finally get funds related to the total loss of all of my property and then have this bank pull this excess and malicious nonsense causing even more undue harm and hardship.

Company response to consumer: Closed with explanation