[BUG] Rate Limit Reached without typing anything, and /insights causes insane token usage

Preflight Checklist

• [x] I have searched existing issues and this hasn't been reported yet
• [x] This is a single bug report (please file separate reports for different bugs)
• [x] I am using the latest version of Claude Code

What's Wrong?

I wanted to code in Claude Code CLI in my terminal on Windows. I was immediately met with "API Error: Rate limit reached". I tried debugging around, and I went to claude.ai's "Usage" page, and noticed no token usage for today and almost none for the week.

I then tried some commands, re-opening Claude Code, and nothing works. I tested /insights, which I believe then spiked up A TON of token usage on my account... causing 100% of my token usage within 20 seconds... Now I'm completely out of tokens, without having written A SINGLE LINE OF CODE.

This is a major bug, I tried writing to support, but was only able to get an AI bot to respond to me and said: "I understand you're requesting a refund or usage limit reset due to unexpected usage spikes in Claude Code CLI. Let me look up your account information to help resolve this issue." then it said: "We've determined that your purchase doesn't meet our refund eligibility criteria due to a previously issued refund.
If you have any other questions or need assistance with something else, please feel free to open a new request."

<img width="1100" height="1377" alt="Image" src="https://github.com/user-attachments/assets/61884902-8c00-4893-946c-3887024d540f" />

What Should Happen?

Write code and not steal my token usage for no reason.

Error Messages/Logs

API Error: Rate limit reached

Steps to Reproduce

1. Type in Claude Code

Claude Model

Not sure / Multiple models

Is this a regression?

Yes, this worked in a previous version

Last Working Version

_No response_

Claude Code Version

2.1.86 (Claude Code)

Platform

Anthropic API

Operating System

Windows

Terminal/Shell

Windows Terminal

Additional Information

_No response_