Consumer complaint received 2026-03-09 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:
Nature of Complaint Improper credit-line reduction and ongoing account restrictions resulting from the banks acknowledged payment-posting errors ; failure to restore account standing after correction ; possible internal adverse risk classification unsupported by payment history. Summary of Facts I have been a Bank of America customer for nearly XXXX decades with a perfect payment history. Beginning in XXXX, Bank of Americas online banking system repeatedly misapplied or delayed posting of my credit card payments. These internal errors resulted in : False delinquency indications Collection communications And ultimately, a unilateral credit-line reduction on XX/XX/XXXX, from {$15000.00} to {$13000.00} ( see attached notice ). Despite my perfect payment record and multiple written disputes, my prior credit limit has not been restored and my access to balance transfers has been revoked or restricted. I filed a direct dispute under FCRA 623 with Bank of America requesting investigation and correction. While certain reporting may have been updated, the bank has not provided written confirmation that any internal adverse risk classification has been removed. As a result : My utilization ratio remains artificially elevated My XXXX XXXX has been negatively impacted My account appears internally restricted My financial flexibility has been impaired The penalties continue even though the underlying issue originated within the banks own system. Supervisory Concerns I respectfully request supervisory review of the following issues : XXXX. Whether Bank of America applied an internal adverse risk classification based on its own payment-posting system failures. XXXX. Whether the XX/XX/XXXX credit-line reduction was based on inaccurate or incomplete data. XXXX. Whether the bank has fully corrected all internal and external reporting associated with these errors. XXXX. Whether the continued restriction of balance transfer privileges is tied to an uncorrected internal risk flag. XXXX. Whether Bank of Americas investigation satisfied its obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am not requesting punitive action. I am requesting supervisory confirmation that : My account reflects accurate risk assessment No improper internal coding remains My account standing is fully restored Requested Resolution I respectfully request that the XXXX require Bank of America to provide : Written confirmation of any internal risk classification applied to my account Written confirmation that all inaccurate internal and external reporting has been corrected Explanation for the continued credit-line reduction Confirmation that my account is not flagged as high-risk or restricted I am seeking restoration of proper account standing following documented internal system errors. Attachments Credit line reduction notice dated XX/XX/XXXX FCRA Direct Dispute dated XX/XX/XXXX Prior XXXX correspondence documenting payment-posting errors Most recent written demand dated XX/XX/XXXX Closing I have been a loyal customer for nearly XXXX years. The issue is not nonpayment it is internal system malfunction followed by ongoing penalties. I am requesting supervisory assistance to ensure my account is evaluated based on accurate data and that any internal adverse coding resulting from bank error is removed. Respectfully, XXXX 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 monetary relief