[mothered]

They probably will, but even in the event of an investigation. Will I get my money back before hand?

When the Investigation completes, that's when the claim will be finalized and a decision will be made whether to decline It, or Issue a refund/replacement.

Or is it like a really drawn out slow process of me denying all accusations to the customer

Every claim Is assessed on a case-by-case basis, so It's difficult to determine Its duration and the events that take place.