I have had this credit card since XX/XX/2008and have never missed a payment. I asked to be signed up for the online banking account in XXXX and spoke with someone on the phone to set that up. At that time I updated my email address but did not intend to opt into " paperless billing '' as the way that I manage my accounts is via paper. 

I received an email the first week of XXXX telling me that my credit limit has been dropped from XXXX to XXXX due to non payment on my account. I was astounded as I always pay my bills. I called BoA and paid my account in full and told them I never received a notification in my email that there was a bill ( and I have searched my email account and I didn't ... wasn't even in spam ). I asked that my credit limit be restored because this was an oversight and I have an excellent payment history. They said they would not restore the credit limit. 

Today I discovered that my XXXX checking account was overdrawn because Bank of America took not only my minimum payment but also the full statement payment from my checking account ( although I had a XX/XX/XXXXBALANCE ). I called and asked what happened as I had NOT authorized this. They said I did authorize it online ( I am not that old, but it must have been something that they automatically opt me into vs. something I chose to opt into ). Now they say it will take up to five weeks for a refund. So BoA has about {$3000.00} of my money, they have reduced my revolving available credit by XXXX and are completely unwilling to do anything to expedite it or consider returning my credit limit to where it was. Not to mention ... if I HAD opted into the auto payment of my account in the past ... how could I possibly have had a late payment last month? None of this makes any sense. 

I want to close my account but I can't do that yet because they took payment in two sets and I have to request the refund of the second amount 8 days from now ( why 8? I have no idea ). And I have to be the one to request this ... they won't just automatically refund me money that is a credit AND I did not authorize they take. They also said they won't return my annual fee because I " used their benefits '' already ( I don't consider using their service a benefit ... anything but ) I just can't believe how badly this company treats its customers and gets away with it.