[BUG] CLI-only "API Error: Rate limit reached" on every request despite 97% quota remaining (Max 20x plan)

Preflight Checklist

• [x] I have searched existing issues
• [x] This is a single bug report
• [x] I am using the latest version of Claude Code

What's Wrong?

Claude Code CLI returns "API Error: Rate limit reached" on EVERY request for 24+ hours. claude.ai web and Claude Desktop work perfectly on the same account. Only CLI is affected.

Environment

• Platform: macOS
• Versions tested: v2.1.49, v2.1.50, v2.1.51
• Plan: Max 20x ($200/month)
• Account: km78cho@gmail.com
• Auth: claude.ai (firstParty), no ANTHROPIC_API_KEY set

Account Status

• Session: 3-7% used
• Weekly: 0-1% used

Troubleshooting Done

• Logout/login, deleted ~/.claude, re-authenticated
• Tested 3 CLI versions
• Removed plugins and MCP configs
• New project directories
• Upgraded Max 5x → Max 20x
• Disabled extra usage after $53/$53 exhaustion

Root Cause

Extra usage exhausted ($53/$53) → disabled → CLI rate limit flag stuck server-side. Plan upgrade did not reset it.

Support Tickets (no human response)

• 215473191468894
• 215473197028578
• 215473205020751

Related Issues

#25531 #25778 #27008 #25733

<img width="1070" height="139" alt="Image" src="https://github.com/user-attachments/assets/c8b9b161-3bc4-4129-ad74-69562468b8b1" />