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Confusing or missing disclosures. Opened CD account with capital one 360. The account shows a hold on the {$10000.00} I transferred from XXXX XXXX. The amount shows as a reduction in my XXXX account but does not show up on Capital One. Capital One shows a 72 hour hold on my {$10000.00}. It has been 72 hours and when I called after continuing to show XXXX account balance I was told that there was a hold for 10 days and that I would not see the amount for 10 days. I was given a song and dance about how this was a rate lock that was to my benefit. I work for a bank so I know this is not a benefit. I feel like my money is gone. When I told him I wanted it back in my XXXX account I was told I would be penalized for three months interest. I work for XXXX XXXX so I know what lying to customers