Several things come to my mind here,
Chlorine is an oxidizer it is what oxidizes the gold (chlorine takes an electron form the gold) the gold Au+ then combines with the chlorides Cl- in solution Au+ (+) 3 Cl- to form AuCl3 gold chloride in solution. (In this reaction the chlorine is reduced (taking the electron from the gold, chlorine gains the electron).
The stannous chloride will reduce the gold back to elemental metal, (reducing the gold, giving the gold back the electrons), in this solution gold metal will not precipitate and becomes a colloidal gold which stays in solution the fine gold colloids reflect light to give the violet color we see in this test, the stannous to be positive in the test for gold must be able to reduce the gold (reduce to give gold back electrons), this means there first has to be gold in the solution we are testing with, and the stannous chloride must be able to reduce this gold,
This will not work if we have an oxidizer like free chlorine in solution taking back the electrons from our gold as the stannous is trying to give our gold back electrons.
Precipitating the gold is similar, we have to give gold back electrons, for the gold to precipitate out of solution as fine metal brown gold powder, if we have an oxidizer in solution it will take electrons away from our gold, and the chemical we are using (like SMB or SO2 gas) which is trying to give electrons to the gold, will be fighting with the chlorine taking the electrons back away from the gold, so gold metal will not form and precipitate as metal gold until the oxidizer is removed from the reaction.
Dirty solution can also make recovery difficult, It sounds as though you removed most of the metals but may not have removed all of them, this and excess chlorine may have compounded the problem just a little.
You may have had to add excess SMB to try and overcome the reaction and eliminate or use up chlorine, this excess SMB will also begin to reduce the copper in solution the gold and copper kind of plating or sticking to each other can be held in solution longer, and when they do settle, can do so as the black powder you see.
Tin the real trouble when dealing with electronic scrap this metal is a thief when dissolved in solution with gold.
As we discussed above when we used the stannous chloride to test for gold we said the stannous chloride reduces the gold to metal, but the gold will not settle it makes fine gold powders suspended in solution as colloidal gold, these small flake of gold hold both charges positive and negative, the keep repelling each other in solution, keeping the fine gold powders from coming together and settling out of solution, robbing you of your gold if you toss out the solution to your waste bucket, another problem here is if we try to test this solution for gold with a stannous chloride test, it can just test negative for gold, as these colloids floating around in solution, are already reduced to metal, this means the stannous cannot work to reduce them and give you the positive purple color, fooling you into thinking you do not have gold in solution, so you throw your gold into the waste bucket, and leaving you scratching your head wonder what is happening to all of that gold you have been dissolving.
I rarely filter much of anything but clear solutions, or solutions that refuse to settle, I let solutions settle over night or sometimes days or weeks, then decant solutions and filter this decanted liquid, I use suction tools to move solutions, a suction bulb and a pipette, or siphoning hoses for buckets.
I can do this without disturbing the settled powders.
Let what gold will settle do so, test with your stannous chloride, when no gold in solution (once you get the excess chlorine problem solved and the gold to precipitate), siphon off the clear liquid from the powders, through a filter into another clean jar.
If this solution filters easily it is unlikely you have a problem with tin (or colloidal gold in solution), but if this solution refuses to filter like it should then you defiantly should suspect tin and colloidal gold being locked up in solution.
If the colloidal gold is not too bad, sometimes the colloids can be broken with a strong sulfuric acid solution and a high heat, just under boiling, this acidifies the solution, drives of HCl on concentrating and can help to break the bond of the collided gold particles, keep solution concentrated and let cool and see if gold settles.
Other times when solution is very dirty and too much tin the sulfuric acid boil will not work to break the colloid, keep solution acidic as possible and do not dilute (dilute or less acidic solutions make filtering tougher), what I try to do is separate solution and particles as much as possible, a coarse filter in a fiberglass Charmin plug in a funnel, then a paper filter letting the solution try to drip through the filter all day if needed, sometimes having to decant solution to an new filter to continue
, Once filtered the Charmin plug and filter are combined for an incineration later, the solution is evaporated to dry salts, the filter paper and plug added the lot is dried and crushed and kept crushed as powders are brought up to red hot and kept red hot stirring the crushed powder to oxidize them giving them time to get completely oxidized, then cooled washed in a water boil, lower heat let powders settle and decant solution, add HCl, bring to a boil, keep boiling letting acid concentrate some, lower heat add a tiny bit of water (not too much tins slats are removed better if not too dilute), let powders settle well decant with solution still very warm, add water and boil, lower heat, but keep solution as hot as possible but still giving time for gold to settle well decant hot to remove lead chloride and other salts soluble in the hot water
if this liquid wash repeat till hot water washes comes off clear indicating no more dissolved metals salts are being removed.
As you can see it is much easier to deal with tin in the pretreatment stages, removing it mechanically or in hot soaking in HCl washes, than it is after you have gold into solution with it.
do not let my post here scare you it does not sound like your solution is this bad, many times when I post something it is not only a response to the person I am talking with but also to try and help explain things to other members who may read it.
When you filter will be your clue.