Bank of America Credit Card Complaint

Bank of America Credit card department,

Credit determination California

On -/-/-, I received a bombshell letter from one of my credit card companies, FIA Card Services ( Fidelity Investments ) saying that my MasterCard account had been canceled for - reasons : history of delinquency ; balance relative to credit lines too high. Neither is true. I 've had the account since -/-/-, and I 've never once been late. For the last - years, I 've paid all my credit card balances in full each month. Of my available credit, I utilize less than - %. How can anyone consider that excessive? The delinquent '' bill in question turned out to my Bank of America MasterCard, in the amount of $25.00 [ I made a donation to my - - -/-/- but never received a bill ]. The FIA Card Services letter referred me to - - - to dispute it. I tried calling FIA direct but they basically said their decision was final, that I was a poor credit risk. '' Up until this happened my FICO score was -. It 's now dropped to -. Yes, I paid the bill - - [ It took 2 hours and required purchasing a $9.00 online report from -, unless I wanted to wait 2 weeks for the snail mail version, to even find out what it was that I owed and to whom. ]. Their behavior seems more than a little draconian. Please, can you help?