I got to see if they will, not reverse the credit until i appeal. The fact that they claimed they contacted the merchant makes me wonder if they followed federal regulations for the supposed investigation. First i got to request the decision making documents. Short story of what happened, came across website through a google search. I bought an item for 6 bucks. The payment timed out. I checked my e-mail and got no receipt or order confirmation. I checked my bank account and i had the $2532 charge. I reported it right away. The charge was from ACBA link pay, a bank in Armenia. They wired money using my debit card. It sounds like an international scam.