Bank of America Credit Card Complaint

Bank of America Credit card department,

Credit line increase/decrease California

Bank of America sent notification that they reduced my credit limit from - to -. They cited generic reasons in relation to my credit report ; " recent delinquency on one or more of your accounts '' and " insufficient credit history. '' My account was one month past due in the amount of roughly $50.00, the entire account balance. Their customer service representative and manager refused to provide me with specific information as to why they reduced my credit limit by $12000.00, despite being a responsible credit consumer of their institution since 2003. I have excellent payment history and good credit. I feel that this action is excessive and has a disproportionate impact on my credit score. They refused to send it for secondary review and told me my only recourse was to request a credit line increase, which would further negatively impact my credit score.