Pending, declined, sent to the wrong person, or scammed — pick the closest match below.
Updated May 2026
Stuck for hours? Here's what's actually happening.
The 6 most common reasons banks block transfers.
How to cancel before it's deposited.
What can and can't be reversed once funds are deposited.
Steps to take in the first 30 minutes.
How to report it — and what banks will (and won't) refund.
Bank, Interac, FCAC, OBSI — who actually helps.
Some problems can't be fixed by the bank. If you've been scammed, sent money to the wrong person and the recipient won't return it, or your bank is refusing to investigate, you may need to escalate.
Our Interac complaint guide walks through the order of operations: bank → Interac → FCAC → OBSI/ADRBO. Each one helps with different problems.