When they sent that last email about delays, I asked for the refund and they gave it to me.
I just did the same as the first step per the direction of my bank. I ended up with a rather aggressive investigator who must be trying to cut his teeth in the business as he wanted to work me right through the whole fraud process. Had to tell junior to hold his water for a bit as I'd like to give EFX the benefit of the doubt. But we shall see what happens.