Appfolio tenant payments rejected over a year later

[Bryce Carroll]

Appfolio just took thousands from me via emails saying a payment was rejected for 12/2022, 1/2023, etc. Apparently a tenant was paying using echecks that were stolen. Whoever they were "stolen" from opened an investigation 15 days before 12/2023 hit (1 year), and appfolio has clawed all that money back. That tenant paid legally as far as I know for over a year before this happened (ie 2021-2022). 

It is news to me that appfolio could reach that far back and take my kids college fund in this way. Is there any options here? It makes me not want to trust appfolio ever again, because if this had been caught within 60 days (which would be required of me if someone had stolen my credit card), the damage wouldn't be 5 figures. I have a pm that manages the property, the tenant passed screening without red flags. Is there anything they or I can do, aside from collections which likely won't yield anything (that's been my experience over the last 15 years with bad tenants)?