I just read this again. Exactly as you say, so if your bank "immediately credited it" but it was not final, they move the status from being settled to being pending. Not sure if you were able to access these funds while they were pending, but I cannot do that with my card. The funds are visible on the card but until the investigation is completed, I cannot access the funds, so the crediting was not final as you say.When we had problems with an ATM not dispensing cash but charging our account (at a casino in Santo Domingo) we called our US bank. They immediately credited the entire amount the same day, but it wasn’t final for many weeks while they investigated.
How different banks/card issuers show pending/settled charges varies, as far as I have seen. Worst is if the amount is actually included in your balance (debit cards), but you have no access to the funds. Better is (this was the case with my UK based card) that ONLY funds that I have actually access to, are counted towards the balance on the card and are therefore visible. Anything else is marked as pending. If a pending charge is then dropped, the balance would be obviously adjusted again.