Recovering drained funds demands patience. Once you submit your evidence package, the replacement card turnaround rarely moves swiftly. InComm Payments indicates an investigation window of 10 to 14 business days, but consumer complaints filed with the Consumer Financial Protection Bureau (CFPB) note real-world waiting periods of 30 to 45 calendar days.
The fraud division reviews the merchant terminal records where the funds were spent. If the unauthorized transaction hold caught the money before fulfillment, processing moves faster. If the balance was cashed out via an online portal or non-refundable purchase, investigators must verify that the IP address and shipping records of the fraudulent checkout bear no relation to the card purchaser.
Approved claims culminate in a replacement card shipped via standard USPS ground mail. These replacement cards are delivered without funds until you contact support to complete an identity-verification phone unlock. If the dispute is rejected, request a formal denial letter detailing the specific evidence discrepancies, which serves as necessary documentation for filing a local police report or a bank chargeback if the card was purchased using a credit card.
