Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Date of Initial Interaction : XX/XX/year> Core Problem : The bank blocked my credit card and drastically slashed my credit limit without notice after I disclosed a critical financial hardship, directly contradicting its public statements and making my dire financial situation worse. 
Detailed Chronology : XXXX. XX/XX/year> : I contacted the bank and explicitly informed an employee that I was experiencing critical financial distress and hardship due to a four-month-long divorce process. The initial interaction was confusing ; my card appeared to be working for a food purchase on this date, suggesting a temporary accommodation or a lapse in blocking. 
XXXX. XX/XX/year> ( Sunday ) : Without any prior warning or communication, the bank blocked my credit card ( my only access to funds ) and unilaterally slashed the credit limit from {$3000.00} to {$800.00}. This action occurred on a weekend, making immediate resolution impossible and severely exacerbating my financial distress. 
XXXX. XX/XX/year> : I received a non-specific email confirming the credit limit slash to {$800.00}, but stating that the reason would not be provided electronically. Instead, the email instructed me to wait " days for a formal paper letter '' to find out the actual reason. 
4. Prior Instruction Disregarded : Just days before this, I had explicitly instructed the bank to halt all paper mail and use electronic communication for all correspondence. This disregard for my explicit communication preference demonstrates that the bank " does not listen at all. '' 5. Contradictory Policy and Credibility : The banks action stands in direct contradiction to its recorded customer service message, which states, " we value you. '' As a XXXX client, the bank 's action of blocking my essential access to funds and providing a reason only via slow, paper mail demonstrates a profound lack of respect, trust, and credibility, proving that it does not " walk the talk. '' 6. Resolution Failure : I subsequently spoke to seven ( 7 ) different bank employees, all of whom stated they " can not do anything for you. '' Their only proposed solution was that I must pay the past balance to unblock the card and restore the credit limit, which is impossible given the established financial hardship I disclosed. 
3. Prior Resolution Attempts : What have you done to try and resolve it?

I have engaged in extensive and immediate communication with the bank. Since the block on XX/XX/year>, I have spoken with seven separate bank employees/representatives. Every representative stated they lacked the authority or ability to reverse the punitive action ( blocking the card and slashing the limit ) despite my XXXX history with the bank and my disclosure of critical financial hardship. The bank 's consistent and singular demand to " pay the past balance '' is not a viable resolution given the crisis they were explicitly made aware of. The bank has failed to offer any meaningful, compassionate, or timely resolution.

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