I thought this issue was resolved. I cancelled my credit card with Bank of America, but they soon sent me another one ending in XXXX. I did not request it or activate it. Instead I cut it up and discarded it. Yesterday, I got an unsigned letter from Bank of America telling me they reduced my credit rating, issued me a credit line of {$500.00} due to delinquency on an account or payments on an account that were insufficient. The problem here is that I have NO active account with Bank of America. I have none of their credit cards, no loans, no debt whatsoever. I feel I 'm being harassed and punished for NOT activating their unrequested credit card. 
How do I restore my good credit and get Bank of America to leave me alone? 
