Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX - called XXXX - rep told me he could not tell me status of my XXXX gave ph. # to call for help XXXXXXXX XXXX XXXX  called XXXX - rep told me she could not explain decrease=not her dept/could n't give me ph. # to contact that dept directly, but did try to process cr limit increase saying if it went through, that was the only way to cover my convenience XXXX  - tried both {$5000.00} + {$3600.00} w/ no success XX/XX/XXXX - stressed about this all day until it finally dawned on me that she'd steered me to a cr limit increase I could have done online myself if that mattered, which it did NOT, as I don't even use this card for purchases - only for these 2 checks/year that I count on to pay both my property + school taxes XX/XX/XXXX - called XXXX to speak w/ supervisor about MAIN issue never addressed : their failure to honor offer XXXX, even though I met the terms per dates of info I received as follows : EVENT DATED CREDIT LIMIT AVAILABLE - AS OF received convenience check offer XX/XX/XXXX {$27000.00} {$25000.00} - XX/XX/XXXXXXXX  received statement due XX/XX/XXXX XX/XX/XXXX {$27000.00} {$25000.00} - XX/XX/XXXX pd {$1300.00} property taxes using conv XXXX XXXX XXXX on XXXX, which town clerk assured me would post by XXXX - long before XX/XX/XXXX deadline for using this offer rec 'd BOA e-mail sent XXXX EST XXXX stating " Unfortunately on XXXX, we reduced the credit line on your credit card account ending in XXXX '' * this is the FIRST I learned my credit line went from {$27000.00} to {$2200.00}, so checked my acct on-line every day that week to see if XXXX showed as posted/pending/declined, + NOTHING ever showed up by XXXX ; therefore I began calling BOA the following XXXX My 3rd call tonite was my final straw, as the rep told me ( AGAIN ) that he could not explain such a drastic reduction in my credit limit - even though the many hours of my own research into my credit report taught me that the 6-month HELOC forbearance agreement I entered into w/ the XXXX seems to be more detrimental to my credit report than I understood it would be ; reducing my score from XXXX XXXX XXXX : - ( * * BUT that's still in the " good '' range, + my current report shows this BOA account I opened XXXX has a status of 'NEVER LATE ', so I would have thought my 24+ years history of on-time pmts would have earned me enough loyalty recognition to at least stand by their offer I legitimately took advantage of + covered this measly {$1300.00} XXXX, rather than failing to explain this change to my account + outright verbally contradicting the date of this change as XXXX vs XX/XX/XXXX that they sent me in writing! 
XXXX XXXX XXXX I'd be glad to send you this e-mail + any/ALL documents referred to above, as they'll show you beyond a doubt that I acted in good faith when I delivered this check to the XXXX XXXX XXXX 
I was sure BOA would agree when I shared the details of events/dates I've provided for you, but seems they're the ones not acting in good faith, + once I learned they'd treat a long-time customer like me this way, felt I needed to bring this to your attention in hopes it'll not only help me w/ this situation, but will also prevent others from investing w/ BOA, as I know you share complaints you receive, so please feel free to publicize any details I've disclosed. 
Thank you, XXXX XXXX

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 explanation