Zelle Issue

We have a joint account at USAA. We sent money to our new bank account at Chase via Zelle but Chase refused the Zelle because the account was too new. I guess their fraud protection. Anyway, the 1000 is still not back in my USAA account and tomorrow is the 8th business day. They had me open a dispute and seem to be dragging. Has this happened to anyone else? They have to give me my money back right like Zelle can’t keep it? I know I sound stupid just looking for assurance I guess