If Pinnacle put the money in the account, so the player could wager with it, and the deposit didn't clear as quickly as usual, but still cleared after a confusion that was beyond the player's control, there is no reason for Pinnacle not to pay the winnings. I don't know the full story, but it seems that Pinnacle is using a delay in the transaction as excuse not to pay. If they're that worried about timing, why even put the money in the account before the deposit has cleared? If the story is as told, this is unfair business practice by Pinnacle.