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This may be a "check local laws for business requirements" situation--there are some states where you can't be billed more than a few days before the product ships, and it's very likely not allowed to "hold" your money so far in advance of a purchase.
It's *certainly* not allowed for BN to tell you the bank put a hold on the money when they did; someone is lying to you--to find out whom, call back, brace for a looong conversation with many bumps to other departments, and take names at every step of the way. (Ask for name & department ID or superior's name.) Tell them you've gotten conflicting stories, and you're trying to confirm which one is correct.
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