Bank of America Credit Card Complaint

Bank of America Credit card department,

Delinquent account Illinois

My credit was hurt significantly due to an error by Bank Of America which they are not recognizing after several attempts to contact them. My account was opened in -/-/-, which i discontinued using in -/-/- due to better rates and points with another credit card. I stopped all reoccurring charges from auto pay going into this card ; however - account with - - membership was missed and a charge for $100.00 annual membership was processed on -/-/-. As i stopped monitoring this account i did not notice this charge. Account than was reported delinquent for 90 days and Bank of America did not contact me or try to get in touch with me. I hold saving account with Bank Of America for over 20+ years my average balance is well over $ 50K and yet for just merely $100.00 my credit was hurt significantly that has effected my qualification for Mortgage rates. I could qualify for 2.75 % on my mortgage but the banker is saying due to my score i need to either purchase points or pay higher rate at 3.6 %. My complain is that Bank Of America should revisit their collection processes ; if i 'm an existing customer for two decades with significant balance why was my credit hurt for only $100.00 delinquency or why was I not contacted? I have sent several complaints but have not heard any positive response to help me.