Product: Checking or savings account

On XX/XX/2024 I refinanced my house. As a result of the cash-out refinance the title company issued me a check for {$XXXX}. I took this check to my bank ( Chase Bank ). I deposited this check into my account. 

The next day my account was " restricted ''. 

I called to find out what happened. They said the check looks suspicious. They told me to wait until this check clears. 

On XX/XX/XXXX the check appeared to have cleared. I submitted a request to transfer {$XXXX}. On Monday XX/XX/XXXX, I got a message from chase that this transfer request was rejected. I was also locked out of my account and not able to log back in. 

I called chase that evening and was routed to XXXX XXXX department. They Eventually let me log back into to my account but still maintained the restriction on my funds ( my funds remained frozen ) They told me they had to call the title company to verify the legitimacy of these funds. They called but since it was the evening they were not able to reach anyone at the title company and the funds remained frozen. 

The next day I can into the chase branch again and they were able to finally reach the title company on the phone. The title company confirmed that this check is legitimate and intended for me. However the restriction remained. 

The next day I called chase fraud again and they once again called the title company to confirm this check. Again the title company confirmed that these funds are legitimate and for me. 

Finally the restriction was lifted! I was on the phone with XXXX at the time and in order to test my account, the rep told me to try making a transfer. I transferred {$XXXX} of these funds from my chase checking account into my chase savings account. The transaction went through! 

However the next day I received a letter from chase saying my account was suspected of fraud and was once again restricted. I called the them again. And again XXXX said they need to call the title company to confirm the legitimacy of the funds. 

As of today, XXXX has spoken with the title company at least XXXX time and each time the title company has told them that these funds are legitimate and intended for me. 

Now chase seems to have found some issue with the title companys address. Apparently the title companys address does not match the address that chase has in their XXXX XXXX database. 

I was told that the funds would remain on hold until XXXX can verify the mailing address of the title company. I have not way of making the title company change their address. I was told by the local XXXX XXXX XXXX ( his name is XXXX ) that in this case it is possible that chase will hold on to my funds for XXXX  years. After XXXX  year these funds will be sent to the state of XXXX And I will have to find a way to reclaim them. 

I am very worried. As I said above, these funds were a result of a mortgage refinance on my house. XXXX is not releasing my XXXX to me. 

It is now XX/XX/XXXX and they tell me that since they can not verify the address of the title company the funds will remain on hold. Chase fraud department is always very rude, curt, short, and uncooperative. Most of the time when I ask them questions, they respond by saying I am sorry sir, I can not disclose that information. 

I am stuck. There appears to be nothing I can do. My funds remain frozen.