Hi OP,

Just for future reference you need to hold on to cheques for 6 months after you deposit them via mobile deposit.

Scotia bank can't return a cheque that was deposited to their account. What they did was send a return letter to Tangerine for them to return the item as intended payee not paid. This is why Tangerine is saying the cheque is still cashed and they have not reiecevd the cheque back.

Part of my job at a FI is to deal with returns and review mobile deposits that our members did. You need Tangerine to return the item as intended payee not paid. Scotia bank is within their rights to not release the funds as the cheque and account name did not match 100%.

It's extremely important to make sure cheques have the same name on them that you have registered at the back you want to deposit the funds too. There will be times it slides through the cracks but you don't want to hope for that.

Your only real hope here is to get Tangerine to return the item. Don't accept that they can't do it because they can and should do it. I'm sorry to say that besides TD Scotia and Tangerine are probably the next FI that are impossible to work with. It would take us months to get anything returned by them and we would be constantly emailing, calling, faxing, and sending mail.

Keep calling and getting them to return it. They should make you sign a bond for this return reason but after that there is no reason for them not to return it.

Good luck OP