Intuit Intuit Payment Network Intuit scamming by taking unnecessary and illegal floats on merchant issued refunds Internet

My daughter fractured her foot at acting camp and they issued a refund for the time she did not attend. I received an email from Intuit that they were sending the refund to my checking account. Two days later, I get this from them:

"To protect your account, Intuit regularly reviews transactions and may hold funds on your behalf while we investigate unusual activity. The Intuit Risk Management Department is currently examining recent payment(s) sent to your account. While we verify/confirm the payment with the sender, the payment(s) listed in this message will be delayed until 25-Jul-2014. These funds should reach your bank account 1-2 days later."

How is withholding a refund "protecting" my account? My refund was issued seven days ago, and I still don't see the money in my account. I am certain that these thieves "investigate" thousands of transactions every day. That means they are holding money that is not theirs and getting paid interest on the float. They should be investigated by the FTC and consumers should start a class action against them.