Wondering if anyone has ever experienced something like this before or if anyone might have some idea of what is going on.

I had a bank account with TD which had some funds withdrawn fraudulently in 2019 as part of a larger collection of identity fraud against me. The bank refunded the transactions but ever since then I've experienced a number of strange intermittent issues when trying to access money through my accounts. The issue spans several banks and is almost always some variant of being unable to access my funds, even though the accounts will show as having a balance available.

The issue began with tangerine. It started out as e-transfers that would take an unusually long time. Eventually some e-transfers would stop working altogether and get stuck in a "limbo" state where they would never complete but also would not be cancellable. After several unproductive exchanges with their customer support, I decided that it would be best if I banked with a different organization. I cancelled my account and made arrangements to move the money to my new account at rbc.

The money was never transferred. Tangerine was unhelpful providing a resolution. Eventually, I reached out to the independent financial ombudsman, who conducted an investigation. The ombudsman found in my favour after 6 months but still nothing was done to help me retrieve my money.

At this point, I reached out to my MLA at the time, but got no response. I retained a lawyer to help me navigate this increasingly perpelexing situation. The issue eventually went to court, and I was awarded the money. So far I have been unable to collect.

I have also had issues with my new bank, RBC. While they do provide better support, they are still unable to explain why large amounts of my money are intermittently unavailable. At this point I have close to $20,000 that is inaccessible and no one can say why.

I'm at a bit of a loss here as to what to do next. At this point, the only thing I care about is being able to reliably access my funds going forward. The situation is stressful and has been costly to deal with. It has also put a strain on my relationship as my partner has had to shoulder significantly more of the financial responsibility during this time.

This all came to a bit of a head recently. I was promised over the phone that I could go to a branch and get the remainder of it my balance as a bank draft. When I arrived at the bank, I was told that the funds were unavailable and that they had no further information. This has cost me money both in terms of lost opportunities to invest the money and also in terms of having to pay for additional mortgage insurance because without this money we were just shy of 20% on our down payment

Anyone have any suggestions for possible next steps or things to look into? Specifically who I should be asking questions to and what questions I should be asking.