Won Personal Injury Settlement For 90k. Deposited Check. Brokerage Closed My Account And Told Me To Dispute My Deposits And Take My Check Elsewhere. 3 Days Later, They Say "jk"

I was awarded a personal injury settlement in the amount of $90,000. This was a huge deal for me, as I only earn $43,000 a year.

I was looking around at different options and decided on Vanguard. I called ahead of time to ask if there would be an issue with me opening an account and depositing the check. I explained that I was fine with waiting two weeks or even a month for the funds to clear. I stated that my main intention was to start investing it / earning interest on this money.

I linked my main bank account and verified it when I received the trial deposits. I mobile deposited the check WITH A SUPERVISOR on a 3way call with the bank to verify the funds were available. The supervisor then let me invest into some Vanguard mutual funds. FIne with me, I had no intention of withdrawing even $0.01 anytime soon.

Everything was great until 2 days after the deposit. I tried to log in, and it said invalid password, which I thought was strange because I was using my fingerprint. Then, it said account was disabled. I called, and they had no record of my account. Luckily, I had the account numbers, transaction amounts, trades I placed for the Vanguard mutual funds, times, dates, and names. With this info, they were able to locate my account. But they said it was disabled and that some team would reach out to me within 72 hours.

72 hours never came, and I called for an update. I stated that I was recording the call. The representative told me, verbatim, that my account was fraudulent and that they would not be returning neither my deposit from my verified bank, and that they were rejecting the check. He advised me to file a dispute with my bank. I did, and won the dispute a day later. It was about $900.

I called again, to confirm that the check would not be presented, and had a supervisor confirm this information. So, I deposited it into another bank, who has made 5k of the funds immediately available. I haven't touched a single penny yet.

Fast forward to today, 4 days later, and the research team tells me they've removed the restriction on my account, and are processing my funds.... after having deposited the check into my main bank, and winning the disputes on the deposits I made.... what the hell happens now?

Also, Vanguard deposited my check THREE times. I have a total of $270,000 available for trading. Nothing for withdrawal, not that I would though. I just want my settlement money, and the money I transferred into Vanguard via ACH, which I already received back. The disputed amount also wasn't deducted.

I really need some help here. I have recorded phonecalls where I stated that I was recording the call. More than one representative gave me clear instructions: take my check elsewhere, and dispiute my deposits with my bank.

I don't want to go to jail for check fraud or whatever. That is the last thing I want. If I have to pay a returned payment fee, or have one or both accounts closed, or the settlement check re-issued, fine. Are my recordings enough to show that I did not double present with fraudulent intent? I am not touching any of the money in either institution. The check was deposited two days after Vanguard.