Product: Checking or savings account

My daughter-in-law didnt have a bank account and needed her IRS ( XXXX XXXX ) dollar refund check cashed. my son asked if I could just deposit into my bank since I had cashed his check in the past usually they do a 10-14 day hold Anyway I said fine told her to sign it And we do a digital deposit Took a picture and sent it in never did a deposit that way before I always have direct deposit Ive had the account aXXXX few years at this point I called the bank and they said they got the deposit I said will it be any issue with it being a third-party? Some banks are OK with it or some are not I wasnt sure on capital one policy they told me as long as the person endorses sometimes they might ask for the person to show ID and I said shes right here and we can email you a copy of her ID I figured if it was a problem, they would just reject it but instead They send me an email saying they were going to hold it for four months So I immediately called him and said what? Then dont cash itI thought that was insane I She said oh weve already cashed it. It immediately cleared the IRS and Im like right because its a valid check, of course but you cashed it so that you could hold it for four months Im wondering how many more people theyre doing this to how many thousands and thousands of people theyre doing this too cash checks then Just told him for four months whos getting all that interest and if theyre doing that knowing or thinking or suspecting that These checks are not kosher or whatever it is they think That the right action is to cash it and then sit on the money. It could be millions Of dollars and people that theyre doing this to whos collecting this interest That sounds like very shady banking practices And theyre wearing consumers down to where people are like screwed on sick of this bank close the account and are they keeping the money money because its not going back to the XXXXIRS and theyre just saying that theyre gon na hold it for four months but were 11 months later and Im still locked out of my account.. I thought why would you if you thought there was something not kosher about this check? Would you even cash it? Why would you not reject it? Is this some sort of racket these employees have going on there that if they think its a stolen check or something to that effect, they are cashing them and then telling the person that theyre not gon na release their funds and theyre keeping it I mean, why would they even cash these checks if theyre thinking that theyre fraudulent from the beginning and then not give the money to the person Because they figure that these people are committing some type of fraudulent check depositing theyre not Going to try to fight for that money, but in this case here I did not steal this check. It was my daughter-in-laws. She signed it. If Their policy is not to accept third-party checks. Why would they cash it and then sit on the money To this day and cut access for me to get into my account ..They couldve just said no, and she wouldve still had her check and been able to cash it so theres this woman that has made her mission in life to cash checks that she thinks are fraudulent from the IRS and then tell the customer that they are locked out of their account that their deposits and their money goes to and thinking that theres not going to be any repercussions for her actions, at this point all I want is the freaking account closed and I dont want to deal XXXX shes a XXXX and I think there is something very illegal of what shes doing with the knowledge of capital one or without as far as Im concerned what theyre doing is fraudulent because the IRS never received that money back for her refund from them and she still has me blocked out of my account,. I just want the account closed. And I think they should be investigated for fraud specially XXXX