Consumer complaint received 2026-05-26 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: OR

Complaint narrative:
Here is my formal complaint letter to Bank of America Escalation Department XX/XX/2026 RE : Formal Complaint Regarding Un-notified Credit Limit Decrease I am writing to formally file a complaint regarding a sudden and un-communicated decrease in my credit limit on my XXXX XXXX XXXX credit card account ending in XXXX. On XX/XX/2026, my credit limit was reduced without any prior notification. I did not receive any alert through the mobile app, phone call, email, or text message before this action was taken. I was only made aware of the decrease when my card was declined at the point of sale, leaving my family in an extremely vulnerable situation while traveling. At the time, I was on vacation from XX/XX/719, actively supporting my daughters move home from college. I am the sole income earner in my household, and we were relying on this card for essential expenses including lodging, food, transportation, and college move-out fees. Due to the sudden limit decrease, we were left with only {$38.00} available credit and no immediate alternative means to cover necessary expenses. We were also XXXX miles from home where the only travel access is by plane. To make matters more concerning, I did not receive any formal notification of the credit limit decrease until XX/XX/2026, XXXX days after the change had already taken effect and after significant disruption had already occurred. Below is a documented timeline of events XXXX : XX/XX/XXXX : {$5500.00} payment made XX/XX/XXXX : {$1000.00} payment made XX/XX/XXXX : Departed for travel XX/XX/XXXX : {$1000.00} payment made XX/XX/XXXX : Card declined at point of sale XX/XX/XXXX : XXXX XXXX XXXX Call to customer service ( no resolution provided, agent scripted ) XX/XX/XXXX : XXXX XXXX XXXX Call to customer service ( no resolution provided, agent scripted ) XX/XX/XXXX : XXXX XXXX XXXX Email sent to feedback department ( XXXX XXXX ) XX/XX/XXXX : XXXX XXXX XXXX Email received notifying me of credit limit decrease XX/XX/XXXX : Completed online feedback survey XX/XX/XXXX : XXXX XXXX XXXX Follow-up email to feedback department XX/XX/XXXX : XXXX XXXX XXXX Voicemail received from XXXX XXXX XXXX Bank of America XXXX XX/XX/XXXX : Returned call and spoke with XXXX, who confirmed the limit decrease occurred on XX/XX/XXXX and notification was sent XX/XX/XXXX XX/XX/XXXX : Spoke with XXXX XXXX XXXX XXXX escalation department and was advised to submit a formal complaint via email to the feedback address XX/XX/XXXX : Two notification letters arrive one week after the decrease XX/XX/XXXX : Call to Customer Service XXXX spoke with XXXX XXXX XXXX XXXX. This conversation was after this written complaint and my requests went unaddressed by XXXX. This sequence of events demonstrates a significant failure in communication and customer care. A credit limit decrease of this magnitude, without advance notice, has real and immediate consequences, especially when customers are traveling and relying on their available credit. I respectfully request the following : 1. A full and detailed explanation of the reason for the credit limit decrease 2. Consideration of appropriate compensation for the hardship and disruption caused. 3. A formal review of Bank of Americas notification policies regarding credit limit changes 4. Implementation of a policy requiring no less than 30 days advance notice prior to any credit limit reduction Additionally, I have serious concerns about the role of third-party credit reporting and automated decision-making in this situation. If this credit limit decrease was influenced by information from TransUnion or any form of automated or algorithm-driven review process, I find it deeply concerning that such a significant financial decision could be executed digitally without prior notice or meaningful human oversight. Decisions of this magnitude, particularly those that directly impact a customers immediate access to funds, should not occur without transparent communication and an opportunity for the customer to prepare or respond. As a recommendation, I strongly urge Bank of America to implement a policy requiring at least 30 days advance notice prior to any credit limit reduction. This would allow customers to make necessary financial arrangements, particularly for scheduled travel or recurring payments. Please note that I am not requesting a credit limit increase ; rather, as a result of this experience, I intend to close my account and will be advising others to reconsider banking with Bank of America. This experience has significantly impacted my trust in Bank of Americas ability to support its customers responsibly. I look forward to a timely and thorough response.

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