Product: Checking or savings account

Been a chase customer for multiple years no issues or holds account is used for childrens social security deposits. So its a very important account for me. I have deposited a check for XXXX for a cousin check is from a title company at the time the check holder had no bank account and because they didnt have documents to open an account but needed the money faster asked if I could deposit said check so they could receive the money faster. Had no issues doing this because This is my family member and I was with them at the title company when received this check so I knew it was an accurate check. Had no problem doing this for them. When went to the branch with family member we were asking plenty of questions as if this check was going to have a problem going through which they said no it might take longer because its a third-party check, but it will be fine. Proceeded to deposit it after 14 days the check cleared at which in that time the owner of the check received documents to open a bank account on the date of going to withdraw and open a Chase account for owner of the check. I was told the account was on hold so they needed to verify the owner of the check because its a third-party check during that time of being told the owner of the check is standing with me with Colorado identification in hand as well as other forms of identification But was told only phone verification was allowed. expecting his money, after multiple days of trying to get a number verified with Chase because they claim that is the only route to verify a check, by phone no numbers can be verified and person verification isnt allowed since XXXX they say they are now holding And closing Account at which in that time the check can be held for two years sometimes even 8 before they can get it back to my cousin owner of check and my account will be closed permanently. Seems like that should be fraud on there half I was at least Permitted by owner of check to deposite funds for them but chase banks are allowed to keep others money for years. Thats fraud then I was told person verification is not allowed because a person could make fake documents like a ID card which also Made no sense to me because It is acceptable verification to open a Chase Bank account, but not too clear a hold on a bank account. At which point I mentioned its only eligible verification when you are profiting off of it as a bank but because there was no profit off of this check is not valid verification. The owner of the check my cousin needed that check cashed fast because not only did he have to weigh up to two weeks to receive an a ID card but then another 14 days to Bank. Another reason why it was faster for me to deposit and distribute his money back to him. Owner of the check is elderly and needed money for residence now due to hold he is experiencing XXXX  issues as well as XXXX. The check can not be canceled or re-issued or funds be withdrawn by the Distributor of the check voided is also not An option due to Chase allowing the check to clear and go through and then adding a hold after. So to financial department of the title company check issuer It looks like the check has already been deposited and funds available at which they can not do anything about the check. So 2 to 8 years my family member will be allowed to get the check issued again at which he may not even be XXXX XXXX