<prompt> Human: I have two BOA cards; both on autopay. One of them was actually at zero balance, but I inadvertently failed to cancel the auto pay. I didnt catch it until a few months had passed and ended up with a 700 credit. Stupid, but not fatal. No big deal, I thought. The other BOA account had a small balance, Ill just have BOA transfer the credit. Well, something happened that the 6 people I have spoken to cant or wont verbalize. I found they reversed my payments, transferred the credit, and then CLOSED THE ACCOUNT. I was shocked. Initially, I was told the account was closed because I had not made a payment for several months completely wrong. Then I was told the code as to why the account had closed just wasnt in the system. To add insult to injury, they had just charged my annual fee, which they reversed, resulting in a credit of 39 on the account. They never sent it back to me, and it is still showing on the account.I have gone up the chain without any satisfaction. Ive dropped a great deal in credit score because I just lost 14,000 of available credit. When I asked to reopen the account I got a polite that isnt possible and then received a corresponding letter with the reason being the terms are no longer available. Im guessing it is because my max interest rate was 9.99. I have a rather large deposit over 10K that I have been shopping banks for the best interest ratesbonuses. Do you think if open a new account I can convince them to re-open the credit card account? Incidentally, there is still a credit on the account. And, out of curiosity, I made an additional payment of 20.00 which posted to the account just fine. Currently, the account shows a 59 credit.Any thoughts or ideas on how to proceed? I dont care about having a BOA card, but I do sincerely care about my diminished credit score.  <response>: Not much you can do about them closing the account nor are you likely to get them to reopen it. Your card holder agreement no doubt says they can close your account at any time for any reason.However, regarding the 59, have you asked them to send it back? Your post doesnt indicate whether or not you have. Id file a complaint with the CFPB if you contact BofA about it and they dont. 