XXXX XXXX. In XXXX XXXX Bank of America who holds my Visa card, acted in collusion with Bank of America Mortgages, and arbitrarily reduced my credit line to about {$50.00} over my current line. As you know, this has negatively affected my credit score which for the past several years has been negatively affected by Bank of America and its lack of sufficient documentation and lack of clarity on loan amount. My mortgage loan balance is approximately {$12000.00}. Bank of America has returned several ( XXXX ) payments to me, thus showing on their ledgers an unpaid month, then in turn, they charge me with late fees and penalties. 
