Credit card -- Incorrect information on your report -- Complaint #19051894
Complaint Overview
Complaint ID: 19051894
Company: Bank Of America, National Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: New York
ZIP Code: 100XX
Date Received: 2025-10-14T12:00:00-05:00
Date Sent to Company: 2026-01-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
On XX/XX/year>, I discovered that XXXX XXXX XXXX had unilaterally and without warning reduced my credit line from {$14000.00} to {$7900.00}. XXXX XXXX XXXX had promised that I would receive a written notice within 15 days, yet no such notice has ever been delivered. Instead, the bank acted secretly and arbitrarily, eliminating over {$6000.00} of available credit that I depended upon for survival. This was not a routine banking decision. It was a deliberate and targeted act intended to cripple me financially and personally. XXXX XXXX XXXX knowingly carried out this action with full awareness that I am already in crisiswithout stable housing, without health insurance, without life insurance, and struggling with urgent medical needs that require immediate treatment and access to medicine. By cutting off this essential credit, XXXX XXXX XXXX has knowingly and intentionally placed my life in jeopardy. The impact of this decision is catastrophic : I can not purchase the medicine required to survive. I can not secure or restore health insurance or life insurance coverage. I can not maintain the minimal financial stability necessary for safe housing or travel. My business, creditworthiness, and financial standing have been deliberately destroyed. I am unable to retain legal counsel or even pursue basic protections through the courts, because XXXX XXXX XXXX has stripped me of all means to defend myself. My fundamental civil and human rightsincluding the right to property, due process, equal protection, and the right to survivehave been annihilated. XXXX XXXX XXXX conduct is not only unfair and unlawful, but rises to the level of inhuman treatment. It is effectively the removal of my right to exist. This action must be understood in the context of my ongoing federal case, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX ( XXXX ), in which multiple financial institutions, including XXXX XXXX XXXX, are named for participating in a coordinated campaign of obstruction and destruction.
Frequently Asked Questions
What is Complaint #19051894 about?
Complaint #19051894 was filed against Bank Of America, National Association regarding Credit card specifically about Incorrect information on your report. It was received by the CFPB on 2025-10-14T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.