I purchased an airline ticket with XXXX XXXX and the last minute the flight was canceled by by XXXX XXXX. I was promised a full refund by XXXX XXXX and after waiting for over two weeks I contacted my credit card company HSBC to see what is my best options. And the HSBC Representative told me its best to file a dispute, which I did. I had no outstanding payment due. I received a credit alert telling me my credit score decreased. When I look at my credit report it started : We noticed a change to the remarks listed on your XXXX credit report regarding your HSBC BANK XXXX. My score decreased XXXX point because I contacted HSBC about the purchase I made for a service I never received and I wasnt reimbursed.