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

Data updated July 2026

D

Grade D · 53.7/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Bank of America, National Association ranks ahead of 22% of the 5,283 collectors PlainCollector grades - 78% keep a cleaner CFPB record, on 7,681 all-time complaints and a 97% timely-response rate.

22nd pct
reputation rank of 5,283 graded collectors
7,681
CFPB complaints, all-time
97%
answered inside the CFPB window
2,111
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Bank of America, National Association?

Bank of America, National Association has accumulated 7,681 total CFPB complaints across 53 states, with 2,111 filed in the most recent 12 months against 5,570 historical complaints before that window. The trailing-12-month volume represents 27.5% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 97% timely-response rate against a 22% consumer-dispute-after-response rate.

Complaints have been recorded across 53 states, led by California with 1,242 and Florida with 980. Normalized against the full CFPB collector database, the reputation score of 53.7/100 places Bank of America, National Association in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

7,681

high-volume (CCDB)

Last 12 months

2,111

27.5% of all-time complaints

Stable →

States active

53

nationwide footprint

Timely response rate

97%

excellent band

Consumer disputes

22%

elevated (vertical avg ~19%)

Reputation grade

D

53.7/100 composite

How does Bank of America, National Association's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

54 Bottom 22% higher than 22% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Bank of America, National Association versus the debt-collection vertical average.

Timely response within SLA 97.2%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 22.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 94.6%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
BANK OF AMERICA, NATIO… 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.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Bank of America, National Association contacts you

A grade of D signals how Bank of America, National Association's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Bank of America, National Association and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Bank of America, National Association ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 53.7/100), 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).

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

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.