On XXXX/XXXX/15, I received an e-mail statement from Bank of America 's Online Banking, stating I have a payment due on XXXX/XXXX/15 for {$99.00}. On XXXX/XXXX/15, the same day I received the email statement, I made the payment of {$99.00} and it posted to my account on XXXX/XXXX/15. 

On XXXX/XXXX/15, and on numerous dates thereafter, I contacted BOA via chat and telephone, to inquire as to why it was still showing that I still had a payment due on XXXX/XXXX/15 for {$99.00}. I was informed that BOA was making changes to their Online Banking system and that I need not worry and my {$99.00} payment on XXXX/XXXX/15 will be applied to the XXXX/XXXX/15 due date. 

On XXXX/XXXX/15, I noticed that my account was past due, there was a new payment due immediately for {$98.00}, a {$25.00} late fee for payment due, my card was blocked from use and my credit line was decreased from {$10000.00} to {$8900.00}, as a result of this " delinquency. '' All of these penalties occurred without reason and prior notification to me. 

On XXXX/XXXX/15, I contacted BOA via chat and telephone and after research, it was discovered that it was bank error that my payment for the XXXX/XXXX/15 due date was incorrectly applied in the system and therefore, I received a {$25.00} late charge adjustment. I was then informed that this matter would be immediately rectified and the new payment due immediately for {$98.00} would zero out and I would only have to pay the XXXX/XXXX/15 amount due of {$120.00}. 

On XXXX/XXXX/15, I noticed that my account was still past due, and now I owed an amount of {$220.00} by XXXX/XXXX/15 ( $ 98+ {$120.00} for XXXX ). I contacted BOA again via chat and telephone and again, was advised this would again be immediately rectified. Not trusting BOA after false information was previously provided to me, I paid both the {$98.00} and the {$120.00} to have my account placed back in good standing, even though it was in good standing and always has been. 

On XXXX/XXXX/15, I contacted BOA via chat and telephone and inquired again as to why this has n't been rectified and more importantly, to request my previous credit line of {$10000.00} be RESTORED, since the reduction was a result of BOA incorrectly putting my account in delinquency. I was advised that would be impossible without running a new credit report and I declined. I DID NOT REQUEST an INCREASE in my credit line, I requested my credit line be RESTORED, due to BOA 's error. 

Not only did BOA misapply my payment, I had to pay a new payment due immediately for {$98.00}, a {$25.00} late fee for payment due, which was later refunded, my card was blocked from use and my credit line was decreased from {$10000.00} to {$8900.00}, and the refusal to RESTORE it, as a result of BOA 's error, is appalling. 
