Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a customer of Bank of America for XXXX years. I have multiple accounts a with them. XXXX is a XXXX  card. In XXXX of 2025, I used their app to try and change the bank account from which my minimum payment would be withdrawn AND setup the minimum payment. I thought I had completed the process, but the app did not connect the the updated account and continued to pull money from an old XXXX account that was not set up for minimum payments. When the minimum payment was not made, a grace period was allotted but I was not notified digitally or by mail. A payment WAS MADE, but it wasnt enough to cover the minimum. I did not realize there was an issue. In between XXXX and XXXX, another underpayment was made. At this point Bank of America : ( XXXX ) raised my interest rate- of which I am aware is a penalty ( XXXX ) reduced my credit line to an arbitrary amount that took my percent of use from less than 50 % to approximately 95 % ( XXXX ) Added on XXXX fees that increased my minimum payment XXXX  fold. They also froze not only this card but all of my other cards which have XXXX balances and are up to date. 

I was not notified in any way ( mail or digitally ) in a timely manner that this was happening. It was my other XXXX cards and banks that notified me there was a problem. 

Additionally there was no confirmation or decline message ( error ) on the BOA app signaling to me as a user that the new account had not been linked and no minimum payment update. In fact, the reverted back to my XXXX account with them vs letting me add a different account. It is extremely hard to set up a minimum payment with them online or via the phone/ipad application. 

This alone is a violation of the ADAs XXXX XXXX- Known as XXXX Websites & apps are required to provide content and cues to let people known if there is an issue with a process ( such as modifying a bank account ) and to provide obvious notification through design and language when a transaction or change has occurred. 

I believe Bank of America, despite being a long standing customer with a pristine record, intentionally has designed their application in a way to make it easy for users to make mistakes, especially when attempting to change a payment status. This allows them to increase credit APRs, reduce credit lines and XXXX customers scores so they, in the future, can justify higher interest rates for all their products. As a XXXX person, I am making a complaint that BOA its intentionally XXXX  against people with XXXX and intentionally over-XXXX  peoples credit scores so that they can profit off off mistakes. 

Finally, the timing of them cutting my credit line in half was immediate prior to reporting to the XXXX XXXX. They did not give me the opportunity to correct the error or negotiate based on my history. I firmly believe this is intentional and is consumer fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief