had a third party check signed over to me from nationwide insurance drawn on chase bank. I made sure chase dealt with third party checks as they do but they said I would have to have an account, so I opened an account. They accepted the check in person, deposited it, cleared it, then froze my account. Then closed my account. They said they sent me 2 checks one for 25 the money I opened the account and the 3330.22 the check. Now their holding that money. Meanwhile the third party passes away. So they say the executor of the will has to verify but she's not a nice person and she wont do it. What can I do?