Charles Schwab Holding my money hostage Denver Nationwide

I was laid off by my work in February.  They were supposed to sent me a check for the funds in my 401K plan, instead I get a notice that an account has been set up at Charles Schwab and my money has been put in this account.  I went down to the Charles Schwab office, 30 minutes away.  I get down there and they say they can't help me.  That the 401K dept is only available by their 800 number.  They put me on the phone with the department.  They then tell me I have to drive back home 30 minutes, get on my computer, create an account with them, wait 2-4 days while they process the account that I've never asked for in the first place, then they will email me a form to request my money.  But, this FORM cannot be emailed back or taken to the branch, it now has to be MAILED back to them where they will take more time to process it.  In all it will take 2 weeks to get hold of my money that they were never authorized to have in the first place.

In the meantime, I'm a single mom, out of work and need the funds to pay rent.  While they sit on their happy asses taking 2 weeks to give me money that belongs to me and that I worked for, I don't have money to pay bills of take care of my family.  This is a giant CRAP designed to have them earn money on the money I worked for while screwing around with me.