That's not quite accurate. They have 10 days to issue you a temporary credit if the investigation is going to take more than 10 days. They are willing to issue the credit immediately precisely because it's temporary. If the investigation resolves in your favor the credit becomes permanent and you never know the difference. If it takes more than 30 days - well, I worked with BofA about 15 years ago and saw more than a few customers who ended up with a giant mess because that temporary credit expired after 30 days resulting in a snowball effect of failed payments and NSF charges.