Managing an account: Checking or savings account

They froze my account because they said I violated one of the terms and conditions they refuse to tell me which specific term or condition I violated and it's been over 50 days now they will not let me access my funds my IRS refund has been deposited to it and they refuse to reject the refund or send it back so they just want to sit there they said they have two years to do so that they would hold it for 2 years and then they can send it to the state for escheatment if I wanted to be a problem. I told him if they're going to close my account just close my account let me transfer my funds but they won't get let me access my funds they won't refund my ADH deposit for my IRS because I said that they have a right to verify source of it it's from the IRS how can you verify any more source than that I just want my money they can send it back and I can have a deposit somewhere else but they won't do that they're just holding on to it it's been 50 days.