Total CFPB complaints
7,001
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 7,001 complaints
BANK OF AMERICA, NATIONAL ASSOCIATION — Debt Collector Complaint Profile
CFPB complaint profile across 53 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about BANK OF AMERICA, NATIONAL ASSOCIATION
- Attempts to collect debt not owed
Attempts to collect debt not owed
2,127 complaints
- Took or threatened to take negative or legal action 850
Took or threatened to take negative or legal action
850 complaints
- Written notification about debt 736
Written notification about debt
736 complaints
- False statements or representation 505
False statements or representation
505 complaints
- Disclosure verification of debt 402
Disclosure verification of debt
402 complaints
- Cont'd attempts collect debt not owed 276
Cont'd attempts collect debt not owed
276 complaints
D
Grade D · 53.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about BANK OF AMERICA, NATIONAL ASSOCIATION?
BANK OF AMERICA, NATIONAL ASSOCIATION has accumulated 7,001 total CFPB complaints across 53 states, with 1,664 filed in the most recent 12 months against 5,337 historical complaints before that window. The trailing-12-month volume represents 23.8% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 97% timely-response rate against a 22% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 53 states, led by California with 1,136 and Florida with 891, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 53.7/100 places BANK OF AMERICA, NATIONAL ASSOCIATION in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1,664
23.8% of total history
Rising ↑
States active
53
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
22%
After company response
Reputation grade
D
53.7/100 composite
Response-quality profile
How BANK OF AMERICA, NATIONAL ASSOCIATION performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 43.9%
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?
BANK OF AMERICA, NATIO… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed2,127 (%)
Took or threatened to take negative or legal action850 (%)
Written notification about debt736 (%)
False statements or representation505 (%)
Disclosure verification of debt402 (%)
Cont'd attempts collect debt not owed276 (%)
Communication tactics271 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 1,005 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 850 |
| Attempts to collect debt not owed | Debt was result of identity theft | 787 |
| Written notification about debt | Didn't receive enough information to verify debt | 546 |
| False statements or representation | Attempted to collect wrong amount | 505 |
| Disclosure verification of debt | Not given enough info to verify debt | 402 |
| Attempts to collect debt not owed | Debt was paid | 335 |
| Cont'd attempts collect debt not owed | Debt is not mine | 276 |
| Communication tactics | Frequent or repeated calls | 271 |
| Written notification about debt | Didn't receive notice of right to dispute | 190 |
Where do complaints against BANK OF AMERICA, NATIONAL ASSOCIATION come from?
The states where consumers have filed the most CFPB complaints against BANK OF AMERICA, NATIONAL ASSOCIATION. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against BANK OF AMERICA, NATIONAL ASSOCIATION
Across 53 states with at least one filing
- California
California
1,136 complaints
- Florida
Florida
891 complaints
- Texas
Texas
673 complaints
- Georgia
Georgia
455 complaints
- New York 453
New York
453 complaints
- Massachusetts 268
Massachusetts
268 complaints
- New Jersey 225
New Jersey
225 complaints
- Illinois 213
Illinois
213 complaints
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 7,001 complaints filed with the CFPB.
Are complaints against BANK OF AMERICA, NATIONAL ASSOCIATION increasing or decreasing? ▼
Complaints against BANK OF AMERICA, NATIONAL ASSOCIATION are rising. The company received 1,664 complaints in the last 12 months, indicating an upward trend in consumer issues.
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). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (1,136 complaints).
What can I do if BANK OF AMERICA, NATIONAL ASSOCIATION is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If BANK OF AMERICA, NATIONAL ASSOCIATION violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |