BANK OF AMERICA, NATIONAL ASSOCIATION
BANK
HIGHER RATE THAN 98% OF SCORED PEERS
Data last verified: April 2026 snapshot|19 federal data sources|Methodology ›
Known as:Bank of America Travel Rewards·Bank of America Cash Rewards·Alaska Airlines Visa·Bank of America Premium Rewards
Complaint rate · per 1,000 customersscale 0–10
05100.74PER 1,000 CUSTOMERS
Sector median 0.48 · Lowest in dataset 0.21
A higher federal complaint rate per customer than 98% of scored peers in the 45-bank dataset.
Methodological confidence: HIGH · n=156,542 complaints over 14 years
Customer ratio
1 in 1,343
customers filed a federal complaint
Resolved with relief
33%
received monetary or non-monetary relief
Daily volume
30.0
complaints per day · 2011–2025 average
3.5× the rate of WEBSTER BANK, NATIONAL ASSOCIATION (lowest); 1.6× the sector median; higher rate than 98.40% of 45 scored institutions.
24-month trajectory · monthly complaint rate
24MO AGOTODAY0.00860.00
Where complaints concentrate · top 3 product categories
Mortgages
0.23/1k
48,157
Checking & savings
0.20/1k
41,118
Credit cards
0.17/1k
35,613
TOTAL COMPLAINTS
156,542
2011–2025
YEAR-ON-YEAR
↑ 34%
above baseline · 0.281
RESOLUTION RATE
33%
above CFPB median
SHADOW RATE
~15/1k
directional
FEDERAL CONSENSUS
4 / 6
agencies on record
5 nearest rates in scored dataset
POPULAR BANK
0.54/1k
MIDFIRST BANK
0.63/1k
REGIONS FINANCIAL CORPORATION
0.66/1k
▸ BANK OF AMERICA, NATIONAL ASSOCIATION
0.74/1k
U.S. BANCORP
0.77/1k
Complaint Coach
File with CFPB
Exit Guide
Move accounts
Compare
Other institutions
Federal data sources
CFPB↗OCC↗FDIC↗FTC↗Independent analysis · not affiliated with any government agency
WHAT THIS MEANS FOR YOU

BANK OF AMERICA, NATIONAL ASSOCIATION performs slightly below the industry benchmark.

A rate of 0.74 per 1,000 customers is above the threshold we consider low-risk (0.50). While not among the worst performers, there are better-rated alternatives available. Complaint rates are normalised across 156,542 total complaints and estimated customer counts, making comparisons fair across institutions of all sizes.

→

Check the complaint categories below to see where this institution receives the most criticism, and compare against alternatives before committing.

Complaint Profile
Rate / 1,000 customersⓘCFPB complaints per 1,000 estimated customers. Normalised for institution size — directly comparable across all banks. National median ≈ 0.30.0.74/1k
Total complaints (2011–2025)ⓘTotal complaints filed with the CFPB since 2011. Use the rate above for a fair cross-institution comparison.156,542
Year-on-year changeⓘChange in complaint volume versus the prior 12 months. A rising rate is a warning sign even if the absolute level appears manageable.+34%worsening
Timely response rateⓘ% of CFPB complaints answered within the required timeframe. Below 90% indicates the institution is failing basic regulatory obligations.97.6%
Complaint rate normalised per 1,000 estimated customers. Lower is better. National median ≈ 0.30/1k for well-rated institutions.
Regulatory Enforcement Record
OCC (Office of the Comptroller)$1.6B
Federal ReserveCivil Money Penalty, $175,500,000, Civil Money Penalty, $205,000,000
CFPB (Consumer Financial)
FinCEN (Anti-money laundering)
FTC (Federal Trade Commission)
HUD (Mortgage Review Board)
GSE Suspension
● Red dot = active or recent enforcement action by that federal agency. This means regulators found systemic problems serious enough to take formal action.
Financial Health Indicators
Net charge-off rateⓘLoans written off as unrecoverable as a % of total loans. Above 2% is elevated; above 1% warrants monitoring. Source: FDIC Call Report Q4 2025.0.00%✓ healthy
Tier 1 capital ratioⓘCore capital as a % of risk-weighted assets. Regulatory minimum ≈10%. Higher means a stronger buffer against losses and financial stress.36.9%✓ adequate buffer
Loan loss reserve ratioⓘFunds set aside to cover anticipated loan losses. Higher reserves suggest the institution expects deteriorating credit quality ahead.0.13%
FDIC Call Report data · Q4 2025. NCO rate = loans written off as unrecoverable. Tier 1 = core capital buffer against losses (regulatory minimum ≈ 10%).
TARP government bailout$15.0B
DFAST stress test (Fed)8.8% CET1 stressed
HMDA Mortgage Fair Lending· 2023
Mortgage denial rateⓘOverall mortgage application denial rate. Includes home purchase, refinance, and home improvement loans. Source: FFIEC HMDA data.31.8%
Denial rate — White applicants31.8%
Denial rate — Black applicants31.8%
Denial rate — Hispanic applicants31.8%
Racial disparity indexⓘBlack applicant denial rate divided by White applicant denial rate. 1.0 = equal treatment. Above 1.5 = significant disparity flagged in fair lending research. Source: FFIEC HMDA.1.00×✓ near parity
Based on 40,595 mortgage applications· FFIEC HMDA 2023
Top Complaint Categories
Loan modification,collection,foreclosure1440%
Managing an account1420%
Incorrect information on your report560%
Breakdown of complaint types filed with the CFPB by customers of this institution. Use this to understand which products or services generate the most problems.
Timely response rate97.6%✓ good
% of CFPB complaints answered within the required timeframe. Below 90% is a warning sign.
Risk Flags
⚑Received TARP government bailout: $15.0B
⚑Subject to annual DFAST stress testing by the Federal Reserve (applies to largest US banks)
⚑Federal litigation on record via CourtListener/PACER
Data Sources Used (23 Layers)
●CFPB Complaints
●OCC Enforcement
●Fed Enforcement
●CFPB Enforcement
●FinCEN / AML
●FDIC Failures
●HMDA Denial Rates
●CRA Rating
●TARP Bailout
●Call Report (NCO/T1)
●DFAST Stress Test
●FTC Enforcement
●HUD MRB
●GSE Suspension
Green = data available for this institution. Grey = source exists but no data for this institution in that category.
FULL DATA BREAKDOWN
COMPLAINT RATEⓘCFPB complaints per 1,000 estimated customers. Normalised for institution size — directly comparable across all banks. National median ≈ 0.30.
0.74/1k
National median ≈ 0.30/1k
Source: CFPB →
ⓘHigh confidence
TOTAL COMPLAINTS
156,542
2011–2025 · CFPB database
Source: CFPB →
TIMELY RESPONSE RATE
97.6%
Threshold: 90%+
Source: CFPB →
YEAR-ON-YEAR TRENDⓘChange in complaint volume versus the prior 12 months. A rising rate is a warning sign even if the absolute level appears manageable.
↑ 34%
Worsening trend
NET CHARGE-OFF RATEⓘLoans written off as unrecoverable as a % of total loans. Above 2% is elevated; above 1% warrants monitoring. Source: FDIC Call Report Q4 2025.
0.00%
Loan losses written off
Source: FDIC Call Report →
TIER 1 CAPITAL RATIOⓘCore capital as a % of risk-weighted assets. Regulatory minimum ≈10%. Higher = stronger buffer against financial stress.
36.9%
Regulatory min ≈ 10%
Source: FDIC Call Report →
HMDA DENIAL RATEⓘ% of mortgage applications denied under Home Mortgage Disclosure Act data. High denial rates may indicate overly restrictive lending practices.
31.8%
Mortgage applications denied
Source: FFIEC HMDA →
RACIAL DISPARITY INDEXⓘRatio of denial rates for non-white vs white applicants. 1.0 = equal treatment; above 1.5 indicates significant disparity. Source: CFPB HMDA data.
1.00×
Non-white vs white denial ratio
Source: FFIEC HMDA →
CRA RATING
Satisfactory
Community Reinvestment Act · FFIEC
RESOLUTION QUALITY
33/100
Response quality score · CFPB
Source: CFPB →
BETTER-RATED ALTERNATIVES
Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›