Small Claim Court is a viable avenue. Though California system is a bit tough to navigate. You need to get familiar with the filing procedures in particular how to deliver your complaint. A friend did this several years ago against Citi. Took 2 tries and a total of 9 months (due to the first technical failure and refile) to get a check from Citi which dragged the payment ordered by Court for weeks until the friend sent their legal office a demand letter - the came FedEx the next day with the check.

With Citi, it is different due to Citi has reached agreements with both Alex lawfirms (the other lawyer is Alexander Darr) that if complaints are thru these 2 law firms Citi will settle in a predetermined formula for each account closed in last 2 years.
The agreement was reached in March 2018.

So it is relatively easy to handle a Citi shutdown which also is not permanent like Barclays and BofA. It lasts 30 months or so. Yet Barclays and BofA seem to be lifetime. lol.

Try to find the other Alex on DoC blog if you might. He has written on DoC blog. You may find the contact there. Or google Alex Darr. It does not hurt to contact Darr to see what his opinion is on BofA.

OK, I'm fine not doing business with BoA in the future. I have nothing to lose by suing them.

I'll reach out to Alex Darr and see what he thinks. Thanks!

You should be able to find him just by googling his name. He has done a very good job helping those fight against Citi. Hopefully he would be able to help you.

Good luck and keep us updated.

Sadly this isn't true. At least according to TPOL.

What is TPOL?

Apparently: https://thepointsoflife.boardingarea.com/about/

afaik TPOL is Alexander Bachuwa

The information is from the other Alexander who from what I have read, seems to be one's better option should you need such service. The agreement was reached in Mar 2018 - how long that agreement exists, I have no idea because I only read about this on non English site.

You can easily google the other Alexander and find his firm's website.

I dont cycle dont want a shut down, but I do bring it up to the max. With the way Staples was going lately I was doing it fora few months, today an email from Chase that they are 2xing my CL, w/o me asking nor did I want it, but wont do anything least I stir up a hornets nest So from a fairly nice 5 figure CL its now thru the roof

I've actually had to drop my CL across my chase accounts due to these automatic increases. They had me up to 150% of household income between three people in the household, with 85% of it all being in my name. I wasn't sure if it was more risky to have that much credit or to draw attention to it by asking for the decrease, but I went for the decrease.

Does Chase look at issued credit across all accounts in a household to determine CL?

New year = new thread.

Please continue the discussion here:

https://www.flyertalk.com/forum/manu...wn-thread.html