CFPB Consumer Complaint Profile
Bank of America, National Association
Consumers have filed complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 174,185
- Total complaints
- Among the highest
- 19,726
- Last 12 months
- 97.5%
- Timely response
- Below median
- 61
- States affected
The verdict
By CFPB complaint volume, Bank of America, National Association is #4 out of 3,843 financial companies. On response speed it sits at the 43rd percentile among companies with 100+ complaints.
- Checking or savings …
- most-complained product
- CA
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Bank of America, National Association vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
97.5% Around the middle higher than 43% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 14,323 in 2024 to 19,167 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
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 |
| 2026year in progress | 4,830 |
Complaints by State (Top 15)
Company Responses
Bank of America, National Association Complaint Concentration Profile
Bank of America, National Association's complaint volume is large enough to measure concentration - not just the headline totals. Across 111 named product lines in the stored breakdown, the leading three (Checking or savings account, Mortgage, Credit card or prepaid card) hold a 38.4% share of product-tagged complaints. The Herfindahl index on that product mix is 0.079 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Loan modification,collection,foreclosure, Managing an account, Incorrect information on your report) cover a 50.4% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (California, Florida, Texas) hold a 39.2% share of state-tagged volume across 61 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 66.9% share among the 174,185 response-tagged complaints (116,456 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (19,167 complaints); the lightest year on file was 2011 (583). From 2024 to 2025, annual volume rose 33.8% (14,323 → 19,167). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Bank of America, National Association
In the CFPB record, Bank of America, National Association has a nationwide complaint footprint. 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, the timely-response measure shows how often forwarded complaints get a reply. This company's rate is at or above the industry benchmark, which suggests its intake and escalation processes are functioning as designed. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Bank of America, National Association: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count.
Similar dispute rates
Nearest companies by share of complaints marked disputed (21.8% here).
Also handles Checking or savings account
Other companies with the same primary CFPB product category on file.
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.