There is a process in every institution, so that if you go into a branch, it's generally escalated to a central adjudication centre, where it's handled very quickly. There are limits in the debit card code. They have ten days for the investigation to proceed, and then they'll get back to the person.
There may be some additional investigation afterwards, if it's a complex situation, but they try to resolve it very quickly. That's the commitment in the debit card code.