Bank of America Credit Card Complaint

Bank of America Credit card department,

Delinquent account Michigan

I paid off my credit card in - of this year, at which time my balance online was $0.00. I then received a new card in the mail a few months later. When I activated the card, I was told I had an overdue balance. Apparently, when I paid the card off, the billing cycle had not closed and $16.00 of interest hit the account. I was never notified that the balance was overdue. When I called to complain and resolve this issue, I was told all customers who are overdue receive courtesy calls. When I asked the agent to give me the date and time of said call, he said placed me on hold to look it up and found a call was never placed. I have had numerous agents tell me I have a good case '' in getting the delinquencies removed, yet it was denied at least 3 times. The interest amount that caused me to be reported as delinquent to all - credit bureaus has since been refunded to me, yet the bank will not correct my payment history to remove the


my information was stolen -. Soon after trying to fight the discrepancy, I received a letter from bank of america that they had dropped my credit line from $3500.00 to $500.00, further damaging my credit as now it looks like my credit usage is much worse due to the lower limit. The letter cited recent delinquencies '' and insufficient credit history '' as the reason they dropped the limit on my card. I have been a customer with them on this line of credit for almost 10 years and I have NEVER been late before. My credit limit has been $3500.00 for almost 5-8 years now, based on much weaker credit and income that I held 5-8 years ago. I feel that they are trying to irritate me into closing my account because it has a very low grandfathered interest rate from when it was opened. My credit score has dropped significantly since all of this and I have lost countless hours on hold with Bank of America trying to get the issue resolved.