Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Bank of America reduced my credit limit on XXXX cards. XXXX XXXX I called in, talked with an agent and made {$100.00} payment on each XXXX cards. Normally I use automated system but did not have cards with me so spoke with agent who looked up the accounts. She did not once state the minimum payment due. XXXX XXXX I received an email from BOA stating that XXXX account is late and my credit line is reduced on both accounts as of XXXX XXXX. Payment on XXXX account was {$7.00} less than minimum due. I called BOA XXXX, was transferred 4 times and finally spoke to rep who stated she can see that error occurred and is BOA fault. She reversed the late fee and entered a dispute requesting full restoration of my credit line. The case # was XXXX. I called back XXXX to check status and again was transferred over 5 times and finally to escalation dept. I spoke with XXXX XXXX and explained the issue that I would have paid the {$7.00} more if I had known. She said it is my responsibility to know how much is due. I immediately requested someone else and she gave me to XXXX XXXX. XXXX repeated much of the same. I requested that she listen to the call of XXXX XXXX ; she said that was not possible. I requested to talk with a senior VP and she forwarded me to XXXX XXXX. XXXX said he would listen to the call of XXXX XXXX ; he said I would still have to request increase but he could " go in thru the back door & remove the inquiry from my credit report ''. I called back XXXX talked with XXXX XXXX who said XXXX was not in but he can help. XXXX then stated that XXXX had listened to the call and found that the rep applied the payments I as I requested. I asked if the rep had told me the minimum due and XXXX said she is not required to. I told XXXX the deceased limit would have a negative affect on my credit bureau. He stated the same process apply to anyone who miss paying the minimum. When I asked if he 's sure that 's always the case for any customer who pays a few dollars less, he said he can not be sure. After much of his redundant discussion I stated the resolution I want : BOA to reverse the action it took against my credit ; that there is no additional risk to my ability to repay due to {$7.00} short of minimum. I have since paid {$8000.00} total on the XXXX cards. Case # XXXX. 
I received BOA letter in mail XXXX stating reasons as # accounts with balance, limited deposits, pattern of payment. All existed at the time credit was awarded and increased. As of XXXX, I have fewer accounts with balances, BOA never required minimum deposits for card accounts and is not my primary bank and use of cards is 100 % for promo on balance transfers only which has helped me to pay off many other accounts. I pay minimum till promo matures then pay card balance. I paid {$4000.00} on each card XXXX. I have over 12 years credit history with BOA : mortgage, XXXX checking, savings, XXXX credit cards. Never late once. I have requested a phone number to XXXX XXXX CEO 's office and was told there is no number for customers. I was given mailing addresses instead. This is the most disgusting and disappointing treatment I have ever received from any creditor. What I thought would be an easy fix has turned into a horrible nightmare. If {$7.00} is the extent of my value to BOA, then BOA is not worth the hundreds of thousands of credit I have vested in them. I will move my accounts from BOA with all deliberate speed.

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