Upon phoning WM.com, they told me my money (for the transaction that was allegedly rejected) would be refunded to my bank account in 3-5 days.
Stupid me. Because I badly needed the camera, I then wasted a good deal more time on the phone with my bank to make sure my billing info was consistent. Repeated the transaction Feb 21, same thing happened. Now I am out $150, and my account is bouncing my checks. Helpfully, PNC was able to refund me on one of the fraudulent debits but is unable to open a dispute against WM.com for the rest for a few more days.