Consumer complaint received 2024-04-29 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: AZ

Complaint narrative:
THIS IS GOING TO BE A VERY SERIOUS COMPLAINT AND ONE THAT WARRANTS IMMEDIATE INVESTIGATION LEADING TO AN APOLOGY AND PENALTIES AND PUNITIVE DAMAGES REWARDED TO ME. 

MY COMPLAINT IS THAT BANK OF AMERICA IS PARTAKING IN DISCRIMINATORY PRACTICES AGAINST ME. I DID NOT REPORT THE FIRST INSTANCE OF THIS ABOUT A YEAR AGO, BUT NOW THAT IT IS OCCURRING AGAIN, I FEEL COMPELLED TO REPORT THE ABUSE NOW. 

THE FIRST INSTANCE OF DISCRIMINATION OCCURRED ABOUT A YEAR AGO IN THE XXXX, XXXX, AZ BRANCH. I WAS MAKING A DEPOSIT FOR MY DAD, WHO IS XXXX, XXXX  XXXX AND UNABLE TO COME TO THE BRANCH. I WAS MAKING IDLE CONVERSATION WITH A FELLOW CUSTOMER WHILE IN LINE FOR AN EXTENDED AMOUNT OF TIME. HE EVENTUALLY GOT FRUSTRATED AND LEFT. 

I THEN STARTED TO MAKE CONVERSATION WITH A MAN IN FRONT OF ME. I JUST ASKED HIM IF HE HAD A COMPLICATED TRANSACTION THAT WOULD TAKE A LOT OF TIME. ( I WAS THINKING OF LEAVING AND COMING BACK ANOTHER TIME ). HE LOOKED ME OVER AND BECAME VERY RUDE. HE ACTUALLY STARTED ABUSING ME VERBALLY. I TOOK OFFENSE TO THAT AND DEFENDED MYSELF. THAT ESCALATED HIS ATTACK AND HE STARTED TO BECOME PHYSICAL. 

I DIDNT WANT A CONFRONTATION SO I RETREATED TO ANOTHER AREA IN THE BANK AND STOOD BEHIND A BANK ASSOCIATE. I EXPLAINED WHAT WAS DEVELOPING. THEY TRIED TO CALM HIM DOWN. TURNS OUT HE IS XXXX AND I AM XXXX. HE SENSED THAT AND WAS SO EVIL TO ME. AFTER ABOUT 15 MINUTES OF HARASSMENT FROM THIS PERP, I WAS TOLD TO LEAVE AND WAS FORBIDDEN TO EVER COME BACK TO THIS BRANCH. THE PERP HAD NO RESTRICTIONS PLACED ON HIM. 

THATS DISCRIMINATION. 

NOW ABOUT A YEAR LATER BOFA GOES AHEAD AND LOWERS MY CREDIT CARD LIMIT BY OVER 30 %. MY BALANCE IS {$0.00}. MY ACCOUNT IS A FEW YEARS OLD AND WHEN I DID HAVE A BALANCE IT WAS MAINTAINED IN AN EXCELLENT MANNER. I AM XXXX, XXXX AND ON SOCIAL  SECURITY  INCOME. I HAVE EXCELLENT CREDIT RATING WITH OVER 15 CREDIT CARDS. NEVER ANY LATE PAYMENTS AND LESS THAN 10 % UTILIZATION. THERE IS NO JUSTIFICATION FOR MY LIMIT TO BE LOWERED. I HAVE BEEN AN IDEAL CUSTOMER WITH SUPERB HANDLING OF THIS ACCOUNT. 

WHEN I CONTACTED THEM TO CORRECT THIS, THEY WERE VERY RUDE AND UNHELPFUL. THEY DID TELL ME THAT IT WAS LOWERED DUE TO " INACTIVITY '' AND " HIGH '' UTILIZATION IN ALL ACCOUNTS. 

MY CARD WAS INACTIVE BECAUSE THEY DIDNT OFFER ME ANY PROMOTIONS OR ANYTHING BENEFICIAL TO ME ( LIKE 0 % APR, BALANCE TRANSFER, PURCHASE PROMOS, ETC ) HOW CAN I BE PENALIZED FOR NOT USING THE CARD WHEN THE BANK DOESNT OFFER ANY MEANINGFUL DEALS, WHICH I AM GETTING AT OTHER BANKS RIGHT NOW? 

ALSO, I DONT THINK 10 % UTILIZATION IS HIGH. IN FACT, THE INDUSTRY, INCLUDING THE CREDIT BUREAUS DOESNT THINK 10 % IS HIGH, THEY ACTUALLY THINK ITS EXCELLENT. 

THE ONLY CONCLUSION THAT ONE CAN MAKE IS THAT IF I WAS PENALIZED WITH NO JUSTIFICATION THEN THE REASON FOR THIS ACTION IS DISCRIMINATION.

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