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

CFPB complaint data Grade D 7,681 complaints

Bank of America, National Association - Debt Collector Complaint Profile

CFPB complaint profile across 53 states, reputation grade D.

Complaints by issue type

What consumers report about Bank of America, National Association

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #364

  • VOL 7,681
  • GRADE D
  • 12MO 2,111
  • STATES 53
  • TIMELY 97%
  • DISPUTE 22%
  • ISSUE Attempts to collect debt n…
  • RANK #23
  • COMPOSE #364

Volume peers

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

HW Holding, IncHW Holding, Inc7,296Bank of America, National Association (this)Bank of America, National As…7,681Convergent Resources, Inc.Convergent Resources, Inc.7,686National Credit Adjusters, LLCNational Credit Adjusters, L…7,765Wells Fargo & CompanyWells Fargo & Company7,792
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 →

How the 7,681 complaints break down

Every complaint issue type on record for Bank of America, National Association, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
51.0/100
Bank of America, National Association

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
7,681
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
97%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
22%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#23 volume
#364 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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, NATIONAL ASSOCIATION National average
Complaints (last 12 mo)lower is better
2,111
38
268
Timely-response ratehigher is better
97%
100%
91%
Consumer-dispute ratelower is better
22%
12%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Bank of America, National Association a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 94%96%98%100%102% 10%15%20%25% Timely response rate (%) Dispute rate (%) Bank of America, National Association vs. 7 similar-volume peers, by response speed and dispute rate Bank of America, National AssociationConvergent Resources, Inc.National Credit Adjusters, LLCWELLS FARGO & COMPANYHW Holding, IncJPMORGAN CHASE & CO.Radius Global Solutions LLCSouthwest Credit Systems, L.P.
Source: CFPB Consumer Complaint Database

Bank of America, National Association's complaint volume in context

Bank of America, National Association vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

7,681 Top 1% higher than 100% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Bank of America, National Association 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
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.

Top states by complaints against Bank of America, National Association

Across 53 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.