Bank of America Credit Card Complaint

Bank of America Credit card department,

Credit line increase/decrease California

Logged into my Bank of America Credit Card account to make payment. Two payments had been made that month ; not late and one late payment in the cards history, over several years. Credit account with Bank of American for over a decade. Upon loggin into my account, I noticed it was closed the day prior. After contacting the service department, they stated that I had used excessive credit and assumed I was a risk, closing my account without notice with a balance outstanding. I just checked my credit score yesterday and realized that this had negatively effected my credit score by - points, due to a balance being left over during closing. There was no notification for allowing me to transfer the balance to another credit company or at the very least, pay it off or reduction prior. If I 'm not mistaken, credit card companies, within the United States must give at least 45-days notice prior to closing credit accounts or changing terms.