On XX/XX/XXXX, 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 XXXX reasons : history of delinquency ; balance relative to credit lines too high. Neither is true. I 've had the account since XX/XX/XXXX, and I 've never once been late. For the last XXXX years, I 've paid all my credit card balances in full each month. Of my available credit, I utilize less than XXXX %. 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 XXXX XXXX XX/XX/XXXX but never received a bill ]. The FIA Card Services letter referred me to XXXX XXXX XXXX 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 XXXX. It 's now dropped to XXXX. Yes, I paid the bill XXXX XXXX [ It took 2 hours and required purchasing a {$9.00} online report from XXXX, 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? 
