@AMZ1   Legally, they can only hold your money for 270 days. But that's still FAR too long to be holding ANYONES money.   After that 270 days, they are to release the funds.  However, they will release it to your state.  You then have to turn around and collect it from your state.  

I encourage you to file complaints anywhere and everywhere that you can think of. (BBB, FTC, your State Attorney General, Consumer Financial Protection agency)  These agencies need to know what is going on, and can't help, if they aren't made aware of it all.  

There are also a couple of threads here, that talk about class action lawsuits.  You can use the search bar to find those threads, if you are interested. 

Good luck.