I used a debit card to pay for dinner. Merchant accidentally charged me 15 times. Noticed the next day - called bank. '7-10 business days to resolve', or I could go get the merchant to refund it (which I did immediately). That money came directly out of my checking account, and was 'gone', functionally until I got them to credit it back.

Same thing happens on my credit card: the credit card company floats the missing cash for at least 30 days, at no loss to me while it 'gets worked out'.

And that's with everybody (merchant, bank, etc.) agreeing it was an accident. If it was actually fraudulent, I dunno how long it'd take...