Before we can proceed with our investigation, we will need to receive the following information from you :

Please call the number on your statement and request to speak with Latina King at …. During the hours of ….

As a courtesy, we issued a temporary credit for $1xxx on Feb xx, 2006. If the requested information is not received we will reserve the temporary credit from your account on April 12, 2006 and conclude you are in agreement no error has occurred. Please note, too , any credit that was applied to your account for the reimbursement of fees related to this claim, will also be reversed. And bla la bla

And now my balanced got reversed back DAmnn !!!

What kind of information they need more... I did send all letters that they need. Anyone experienced the same ?

Is this a BOA Mastercard or Visa, or is this a BOA checking account which you used an ACH transfer?

yes it's checkiing account with Visa attached to the card

So did you use the debit card for making your transfer?

yes I used debit card with SP transaction, and request chargeback sucessfully and suddenly receive that letter from BOFA and they reverse my credit back

Did you not call them by the date they listed??? If you didnt thats why they reversed it. If they need more info they send a letter like that to get you to call. You dont call they take the money back, you do call then they continue their investigation. I have BofA too and got a letter like that for my EMO chargeback. I called and so far the investigation is still going.

I called them back and they said it's not a fraud so we decline your claim. I clearly stated that this Scampay merchant failed to deliver the service and they said you can't dispute a transaction which is not a fraud so they asked me to call another department within BOFA that dealing with merchant. I'm confused, when I filed dispute, I did on the internet banking and I clearly stated that I did authorise the transaction but why it suddenly go to the fraud department...

wired to deal anymore with sp

i recently successful completed a charge from BOA

Happened to me too. Got a letter from my credit card company saying that I have accepted the terms and conditions of SP, so they can't help me further. They re-debitted my account after giving me a chargeback credit last month.

Keep fighting it. That "we can't help you" is B.S. Visa now requires banks offering Visa debit cards to offer chargeback facilities to a customer who finds goods are not supplied. You can report your bank to Visa if they do not comply. Call them and mention that.