On XXXX XXXX I received a HARDSHIP withdrawal from my XXXX due to health issues. I took the check of {$35000.00} to Wells Fargo where I was told they would release only {$200.00} and the remaining {$34000.00} would be held till XXXX XXXX. I called Customer Service at Wells after I left the Bank FOUR times as this was cause for concern. A Hardship withdrawal, is just that HARDSHIP. I was told that my check, even though it would clear the Bank the next business day that Wells would not release funds till XX/XX/XXXX due to the fact that I had some OVER DRAFTS over the last six months. They commented this was a Federal Regulation. 

1 ) Wells offers my FREE overdraft protection having a PMA account. So I am being penalized for using their service that they offered to me. 

I asked over and over even if the check clears XXXX 's Account ( my XXXX Provider XXXX that they still would not release my funds till XX/XX/XXXX. 

So I have only XXXX till XX/XX/XXXX while they hold on to my XXXX even though the check clears the writers account. 

I would like to know what Federal Guideline calls for a Bank to hold a check for this long due to the fact that the Banks Customer used their overdraft protection that they had me sign up for and is a selling point of their PMA account holders. 

So NOT knowing this I wrote checks and mailed today knowing that I would have XXXX in my account. Now I asked them about those checks. They stated they would be not honored and I would be charged for NFS checks even though I deposited the XXXXI am intelligent to know that these funds would not be available today but to not be available till XX/XX/XXXX is unbelievable. 

So I asked how I could get my check back so I could deposit it at the other XXXX Banks I Bank with and they stated once a check is deposited it can not be returned. 
I am NOT normally someone who writes about anything BUT this has me so upset today that I am reaching out for help. 

IN SHORT : I use the overdraft, that they signed me up for. This is not NSF items this is where funds are pulled from linking accounts. But because I used the overdraft protection they have to hold my funds till XX/XX/XXXX and all the checks I wrote are going to be bounced and I will have to pay them NSF fees even though the money is in my account. 
