Product: Money transfer, virtual currency, or money service

On Saturday, XX/XX/year>, my mother ( XXXX XXXX ) and I went to her bank ( XXXX XXXX ). My mother purchased a Cashier 's Check for the amount of {$18000.00}, and paid a {$10.00} Cashier 's Check fee. After receiving the {$18000.00} Cashier 's Check, my mother and I drove to my bank ( Capital One, located in XXXX, Maryland ). I then went inside Capital One bank and deposited the {$18000.00} Cashier 's Check. I was told by the Teller that it would be 7 days for the check to clear. 

On Wednesday, XX/XX/year>, I received an email from my bank ( Capital One ). The email stated : XXXX XXXX XXXX Your check deposits are delayed Inbox XXXX XXXX ( XXXX hours ago ) to me XXXX, After reviewing your check deposit activity on XX/XX/year>, for your account ending in XXXX, the availability of {$18000.00} has been delayed until XX/XX/year>. 

Based on confidential information we believe that one or more of the check deposits may not be paid. 

You don't need to take any action. If the funds don't return, they'll automatically become available on XX/XX/year>. 

Here are a few other important things to know : - Any interest, if applicable, will accrue normally starting the first business day after a delayed deposit posts. 
- If you transferred any money or directed us to divide money between the account listed above and other Capital One accounts, we may place a hold on the money in those accounts associated with this transaction activity. 
- You'll be refunded any interest or fees that we may have charged you due to this delay. 

If you have any questions, give us a call at XXXX, XXXX XXXX XXXXXXXX XXXX and Saturday XXXX XXXXXXXX XXXX  XXXX. We'll be happy to help you. 

Thanks for choosing Capital One .... 

I printed the email, and at XXXX, I called the number given ( XXXX ). First I spoke to a female ( XXXX ). She stated that she could release the funds, but needed to verify the funds. I explained that this is a Cashier 's Check, the bank ( XXXX XXXX ) would not have issued a {$18000.00} check unless the funds was available. But XXXX insisted in verification process. She called XXXX XXXX, but was told by their Representatives that Cashier 's Checks need to be verified by the Automated System. However, XXXX refused, and stated that Capital One requires a manual verification. After hearing what had transpired, I requested to speak with a manager. 

I was transferred to a manager ( XXXX - # XXXX ). XXXX stated that the {$18000.00} Cashier 's Check was flagged. She made mention that the Fraud department received notice from a " Confidential '' source. I explained that the funds came from my mother. And it was a transaction between my mother and I. I then asked what confidential source would have any right to interfear with my deposit. XXXX stated that it was " Confidential '' and I have no right to know. 

I then requested to speak to XXXX 's superior. XXXX refused, and stated that she does not have a name she can give me, and her superiors do not have phone numbers. I tried to explain that XXXX XXXX would have never given me an {$18000.00} Cashier 's Check if the funds were not available. But I logic fell on deaf ears. 

I feel this entire matter is Race Motivated. If an XXXX-American goes into the bank and makes a large deposit, it has to be Fraud? That is nonsense. I believe the Teller at the XXXX XXXX Bank or the Teller at the Capital One Bank is the " Confidential '' source. How can you, me, or anyone for that matter, see someone, and judge them based on their outward appearance. That is the very definition of race discrimination. I want the country and the world to know what has taken place.