What is the most common complaint against Bank of America, National Association?

The most common issue consumers report about Bank of America, National Association is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 7,681 complaints filed with the CFPB.

Are complaints against Bank of America, National Association increasing or decreasing?

Complaints against Bank of America, National Association have been stable. The company received 2,111 complaints in the last 12 months.

What is Bank of America, National Association's reputation grade?

Bank of America, National Association has a reputation grade of D (score: 51.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Bank of America, National Association respond to consumer complaints?

Bank of America, National Association has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.

In how many states does Bank of America, National Association operate?

Bank of America, National Association has received CFPB complaints from consumers in 53 states, with the most complaints from California (1,242 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Bank of America, National Association - Debt Collector Complaint Profile

CFPB complaint profile across 53 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

2,499
Took or threatened to take negative or legal action

1,761
Written notification about debt

859
False statements or representation

677
Cont'd attempts collect debt not owed

587
Disclosure verification of debt

474

Data updated September 2026

CFPB complaint disposition

CCDB record bank-of-america-national-association Bank of America, National Association

Grade D · 7,681 CFPB filings · 97% timely · lead issue: Attempts to collect debt not owed · vol #23 · compose #4037

VOL 7,681
GRADE D
12MO 2,111
STATES 53
TIMELY 97%
DISPUTE 22%
ISSUE Attempts to collect debt n…
RANK #23
COMPOSE #4,037

Volume peers

Nearest volume peer: Convergent Resources, Inc. (7,686 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Bank of America, National Association's 7,681 CFPB complaints sit next to Convergent Resources, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

California is the plurality state for Bank of America, National Association (16.2%)

Volume rank #23 and composite rank #4,037 diverge by 4,014 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: California 16.2%; Mid-band (15–30%) · 53 states with ≥1 filing
Seasonal peak: 2025-08 8.2%; 8–15% band · 6 filings
Divergent corpus ranks: #23 volume; #4,037 composite; Cleanest-composite ladder is 4,014 places worse than volume

How does Bank of America, National Association compare to its peers?

How does BANK OF AMERICA, NATIONAL ASSOCIATION compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

BANK OF AMERICA, NATIO… National average

Complaints (last 12 mo)lower is better

2,111

268

Timely-response ratehigher is better

97%

100%

91%

Consumer-dispute ratelower is better

22%

12%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	2,499
Took or threatened to take negative or legal action	1,761
Written notification about debt	859
False statements or representation	677
Cont'd attempts collect debt not owed	587
Disclosure verification of debt	474
Communication tactics	463
Taking/threatening an illegal action	160
Improper contact or sharing of info	103
Threatened to contact someone or share information improperly	71

Where do complaints against Bank of America, National Association come from?

Bank of America, National Association's own per-state count, not a national baseline.

California

1,242
Florida

980
Texas

777
New York

485
Georgia

471
Massachusetts

287
New Jersey

247
Illinois

231

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Bank of America, National Association: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 7,681.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 97.17183259534352%.

4 peers

Know your rights before responding to Bank of America, National Association: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.