Product: Checking or savings account

This company is blatantly lying and i have proof as I recorded all my conversations with this bank. please see attached what i could from my conversations with Marcus representatives/agents. I have requested this account be closed 8 times since XX/XX/XXXX and as of today it is still open. please see previous complaint i filed for the back story. complaint number XXXX, XXXX and XXXX which someone closed even though nothing has been resolved. I got a called on XX/XX/XXXX requesting they close the account again after 2 other timesof requesting closure & return my money via ACH and they refused saying it must go back to the original account which has been confirmed by Marcus as closed. This time I requested they send the money via check after closing the account as suggested by a different Marcus specialist ; I was told that was the only way i could get my money back. I got a call that same friday XXXX of XXXX letting me know they are in the process of getting the account closed and getting me a check for all XXXX dollars and requesting my permission to block the scheduled {$10000.00} from going back to the original funding account ( XXXX XXXX ) otherwise it will slow down the closure so i gave them permission and i was told my money has been expedited via check to me and will be delivered to my home in 3business days. Instead of this happening I received another call the next monday morning XXXX XX/XX/XXXX and I was blatantly told by XXXX from the fraud department that he is refusing to authorize the closure of the account and my funds being sent via check, I requested to speak to a supervisor once he said that so he put me on hold and came back 25 mins later ending that call claiming no supervisor was available and still refusing to close the account. I attached that conversation below. so I called again was told by the agent that with this company that they are making it difficult to return my money because the account is new and they have a policy that they must hold on to new customers deposited money for 90-120days. My account is just a savings account not a CD, there is nowhere in the deposit agreement sent to me that this company has a rule or a right to hold on to funds for 120days before the owner can access their money, if there was i would have never deposited over {$50000.00} of my money. and i dont think the federal reserve, the OCC or FDIC allows for this which is why it is spelled out nowhere in the agreement I recieved and attached below. Marcus Goldman sachs has illegal bait & switch practices and needs to be investigated. I have my recorded all of my conversations with this company as proof and I have attached some of the most significant conversations as this site is saying my other attachments are too large. Anyways, Since thephone call with XXXX on the XXXX of XX/XX/XXXX when i was told they are refusing to close my account and send me my money via check i have been trying to get my money out of there by scheduling push transfers out of Marcus and pull transfers with my other banking institutions and Marcus has blocked all push transfers as well as a couple pulls from my other bank accounts, please see picture attachment for evidence of reversals/ blocks on transfers as recently as today XXXX. I scheduled a transfer yesterday with XXXX XXXX to pull out {$30000.00} so i can sever my relationship with Marcus and as you can see that amount is available unlike the lie that was previously told in their earlier response, when they claimed they blocked the last XXXX XXXX transfer because the {$50000.00} wasn't available ( all {$50000.00} was available ) this {$30000.00} that i requested XXXX XXXX pull out of my Marcus GS account isvery much available in that account at the time they blocked it, these people are liars and thieves. I called this morning to find out why they blocked the transfer and ended up being transferred from XXXX to a lady named XXXX from fraud department who said they are refusing to give me my money not because of any thing remotely fraudulent but because the account is new and she touched on the same thing multiple people have told me in other phone calls that the can hold the money against my will. XXXX went as far as saying my money is being held indefinitely. see attached this conversation. Like I said I have already had this conversation multiple times over the last 3 weeks with these people requesting account clousre and they know the funding account is closed which is why I asked for the money via check as suggested by a previous representative, yet they have refused to do anything for more than 3 weeks now. Immediately after this call I received another call on XX/XX/XXXX from another lady named XXXX from the fraud department wanting to verify I was the one who authorized transfer for the {$30000.00} which was blocked by goldman sachs ( see attached pictures ) after telling her that yes that was me who request the pull by XXXX I asked why they blocked my transfers again and she claimed they blocked my transfer because of a DAA policy that I signed allowing them to hold my money for 3-4 months at which point i asked her to explain to me what the DAA policy is and provide me with a copy showing the section that says they can refuse me my money for 3-4months. she couldn't and she ended up transferring me to someone else who couldn't provide me with answers either but told me the DAA is just the deposit agreement that was emailed to me, she eventually transferred me over to again to someone else named XXXX please see attached recordings for our conversation, this specialist i spoke to also confirmed the DAA policy is the deposit agreement and it was electronically signed by me automatically by opening the account. No where in there does it say Marcus is allowed to hold the funds in a high yield savings account for 3-4 months. This XXXX lady claimed that section VII ( funds availability section which can be found on pages 9-10 of the agreement ) is the portion that provides transparency and says/ gives Marcus the right to refuse to give me my money back for 90-120days and refuse to close this account as request by me multiple times over the last 3 weeks. She is clearly another liar and doesn't have reading comprehension because that is not what the funds availability section says ; banks are allowed to put holds on funds deposited for 3-5 business days like every other bank not 3-4 months. That agreement has no such word because it is illegal to refuse some one access to their money for 120days. I requested once again they close my account on XXXX XXXX and XXXX claims she has put in this request, I am sure they will contine to stall and refuse to give me my money back but thats okay cause i now have a lawyer. I attached that deposit agreement they spoke of for visibility. This company/bank is so shady and fraudulent its unbelievable, they need to be reported to the regulatory boards. I have retained a lawyer and i fully intend to take legal action against this bank, my money has now been held against my will for almost 4 weeks.