CFPB Consumer Complaint Profile
Bank of America, National Association
Consumers have filed 174,185 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-05-15
- 174,185
- Total complaints
- 19,726
- Last 12 months
- 97.5%
- Timely response
- 61
- States affected
The verdict
174,185 CFPB complaints put Bank of America, National Association at #4 out of 3,848 financial companies ranked by complaint volume. It answers 97.5% of complaints on time - above the 93% median for companies with 100+ complaints.
- #4
- of 3,848 companies by volume
- 97.5%
- answered on time
- Checking or savings …
- most-complained product
- 61
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2011 | 583 |
| 2012 | 16,048 |
| 2013 | 16,459 |
| 2014 | 10,287 |
| 2015 | 9,833 |
| 2016 | 9,784 |
| 2017 | 8,778 |
| 2018 | 8,311 |
| 2019 | 7,535 |
| 2020 | 9,448 |
| 2021 | 11,427 |
| 2022 | 13,057 |
| 2023 | 14,315 |
| 2024 | 14,323 |
| 2025 | 19,167 |
| 2026 | 4,830 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Bank of America, National Association
174,185 complaints against Bank of America, National Association appear in the CFPB record, including 19,726 from the trailing year. The 61 states and territories represented put this footprint in nationwide territory. No product draws more complaints than "Checking or savings account," which sits at the top of the product breakdown. The specific issue named most within that category is "Loan modification,collection,foreclosure," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Bank of America, National Association answers 97.5% of forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. In 21.8% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. 31.2% of resolved complaints ended with some monetary or non-monetary relief for the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Bank of America, National Association have?
The CFPB has logged 174,185 complaints against Bank of America, National Association to date, of which 19,726 came in over the last 12 months.
Does Bank of America, National Association respond to complaints on time?
Bank of America, National Association's CFPB timely-response rate is 97.5%. That is a strong response record by CFPB standards.
What product generates the most complaints for Bank of America, National Association?
"Checking or savings account" draws more CFPB complaints against Bank of America, National Association than any other product - see the full breakdown above.
What is the most common complaint issue with Bank of America, National Association?
Consumers most often cite "Loan modification,collection,foreclosure" when complaining about Bank of America, National Association; the full issue list with counts is above.
How do I file a complaint against Bank of America, National Association?
You can file a complaint against Bank of America, National Association directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Bank of America, National Association?
The CFPB has recorded complaints against Bank of America, National Association from 61 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~174,185)
Also handles Checking or savings account
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.