I reported a transaction done with an online store to the bank. All went well, and the money was immediately put back into my account. I also received a mail along with that stating that they're going to reinvestigate if the merchant proves that the transaction took place. Now, I know that if it's proved, the bank will reverse the amount. What I want to know is that how is that going to affect my credit?

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I don't think that's going to directly affect your report. Losing charge disputes usually don't count while scoring. However, there might be a charge back fee imposed by the lender. And if the reversed charge has any effect on the utilization ratio, that way your score might be affected.

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