<prompt> Human: Last summer, my friend gave me a 1200 check for rent. I deposited it in October in my Schwab account through the check-deposit app on my phone, like I have many times with other checks. Then, I believe I threw the check out, but in short, I lost track of it - I thought I destroyed it, but apparently I may not have.About a month ago, my friend gets a call from his bank that the check was physically deposited at a Chase bank. He ends up getting the 1200 withdrawn from his account for a second time, but gets his bank to reverse the charge. Unfortunately, the bank decides that because the second deposit was a physical check, that deposit takes precedence, and so they take the 1200 out of my account where I had deposited it almost a year ago.I called both Schwab and Chase where I had an account that I had never used, but to no avail - they both said the other had responsibility. In short, it looks like someone must have dug the check out of the trash and deposited it after the 180 day expiration window??. I believe nobody else in the country has my exact name, and I had endorsed the check for deposit only, so someone must have created a Chase account with a fake ID unless Im totally mistaken about what must have happened.At this point, Im out of a much needed 1200 and unsure about what to do. My friend called his bank Citi but they said it wasnt their problem either. Shouldnt there be some protection against this kind of thing, especially since it was almost a year after the initial deposit? Is there anything I can do at this point?Thanks for reading, and I appreciate any help.  <response>: Get both on conference call together. 