This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
BANK OF AMERICA, NATIONAL ASSOCIATION
Complaints in Tennessee
State Insight: BANK OF AMERICA, NATIONAL ASSOCIATION in Tennessee
BANK OF AMERICA, NATIONAL ASSOCIATION has accumulated 70 CFPB consumer complaints filed by Tennessee residents, which represents 1.0% of the company's national total of 7,001 complaints — a small fraction of this collector's national complaint volume. Of those Tennessee filings, 16 landed in the most recent rolling twelve months, with most filings distributed across earlier periods rather than the most recent year.
Nationally, BANK OF AMERICA, NATIONAL ASSOCIATION is active across 53 states nationwide, and 97% of national complaints received a timely CFPB response. The CFPB Consumer Complaint Database records narratives submitted directly by consumers and forwarded to the company for response; these submissions reflect allegations and consumer experience rather than adjudicated findings. A high complaint concentration in one state can signal localized collection activity, a regional servicing contract, or simply the state's share of the company's overall portfolio — context that typically requires pairing with population-adjusted rates to interpret.
Source: CFPB Consumer Complaint Database · Window: rolling 12 months vs. full history · Coverage: Tennessee only (see national profile for cross-state context)
National Overview
Consumer Tip
Under the FDCPA, debt collectors must mail you written notice within 5 days of first contact. You have 30 days to dispute the debt in writing. If you dispute, the collector must stop collection until they provide verification.
Data from CFPB Consumer Complaint Database. Complaints are consumer-submitted and not independently verified.
Read our methodology — how this data is sourced, computed, and verified.
Related
How To Read This Page
This page summarizes the federal CFPB complaint record for BANK OF AMERICA, NATIONAL ASSOCIATION from Tennessee residents specifically. The 70 state complaints represent 1.0% of the collector's national total (7,001), reflecting how concentrated this collector's exposure is in Tennessee. A high state-share indicates either regional concentration of the collector's portfolio or an active state-level enforcement or consumer-advocacy environment that drives residents toward the federal complaint channel.
State Law and the FDCPA
The federal Fair Debt Collection Practices Act (FDCPA, 15 U.S.C. § 1692) applies to third-party debt collectors and credit-reporting agencies in Tennessee the same way it applies in every state. But Tennessee may have its own state-level debt-collection statute that adds protections beyond the federal minimum — extending coverage to creditors collecting their own debts, imposing licensing requirements, or adjusting the statute-of-limitations on consumer debt. Check the Tennessee attorney general's consumer-protection page for state-specific rights before deciding whether to pursue a state-channel complaint in addition to your CFPB filing.
Filing Your Own Complaint
If your experience with BANK OF AMERICA, NATIONAL ASSOCIATION reflects FDCPA violations (harassment, threatening lawsuits the company has no intention of filing, third-party disclosure of the debt, contacting you at work after a documented request to stop, attempting to collect on debt you do not recognize, debt past the statute of limitations, or debt previously paid or discharged), you can file at the federal CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to BANK OF AMERICA, NATIONAL ASSOCIATION, which must respond within 15 days. Your complaint becomes part of the federal dataset that powers these pages — you are both a beneficiary of and a contributor to the federal record.
Methodology Note
State-of-residence in the CFPB dataset reflects where the consumer was when filing, not where BANK OF AMERICA, NATIONAL ASSOCIATION is headquartered. National collectors operate from a small number of corporate addresses but appear on every state's per-state page when consumers from that state file. The 70 Tennessee complaints therefore reflect consumer experience in Tennessee, not the collector's local operational footprint.
Reading This Page Alongside the National Profile
Every figure on this page is a per-state slice of the national record for BANK OF AMERICA, NATIONAL ASSOCIATION. To understand whether the 70 Tennessee complaints reflect a state-specific issue or a national pattern, compare the state share (1.0%) against the underlying state-population share. If your state's share of BANK OF AMERICA, NATIONAL ASSOCIATION's national complaint volume materially exceeds your state's share of the national population, that signals concentrated activity in this state — which can mean the collector holds a disproportionate portfolio here, faces stronger state-level enforcement and consumer-advocacy activity that drives federal filings, or has compliance issues specific to this jurisdiction. The collector's main company profile shows the national context for the same metrics.
What This Page Does Not Show
This view does not capture Tennessee attorney-general complaints, state banking-regulator complaints, or Tennessee state-court litigation against BANK OF AMERICA, NATIONAL ASSOCIATION — those records live in separate channels we do not aggregate. A collector with low CFPB volume in Tennessee may still face substantial state-level enforcement activity if consumer-advocacy groups direct local residents toward state channels first. For a complete trust profile, cross-reference this federal record with state-channel summaries (most state AGs publish quarterly or annual consumer- complaint reports). The federal CFPB record remains the only continuously updated, machine-readable, national-scope source — which is why it anchors our reputation grades.
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |