BANK
HIGHER RATE THAN 59% OF SCORED PEERS
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
Sector median 0.50 · Lowest in dataset 0.09
A higher federal complaint rate per customer than 59% of scored peers.
Methodological confidence: HIGH · n=158,196 complaints over 14 years
Customer ratio
1 in 1,312
customers filed a federal complaint
Resolved with relief
33%
received monetary or non-monetary relief
Daily volume
30.4
complaints per day · 2011–2025 average
8.8× the rate of FIRST CITIZENS BANCSHARES, INC. (lowest); 1.5× the sector median; higher rate than 59.62% of scored institutions.
24-month trajectory · monthly complaint rate
Where complaints concentrate · top 3 product categories
Mortgages
0.23/1k
48,008
Checking & savings
0.20/1k
42,439
Credit cards
0.17/1k
35,460
5 nearest rates in scored dataset
0.72/1k
0.75/1k
0.76/1k
0.78/1k
0.83/1k
Federal data sources
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 0.75 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 158,196 total complaints and estimated customer counts, making comparisons fair across institutions of all sizes.
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Check the complaint categories below to see where this institution receives the most criticism, and compare against alternatives before committing.
FULL RECORD
Complaint Profile
Rate / 1,000 customers0.75/1k
Total complaints (2011–2025)158,196
Year-on-year change+34%worsening
Timely response rate97.7%
Complaint rate normalised per 1,000 estimated customers. National median ≈ 0.30/1k.
Financial Health Indicators
Net charge-off rate0.49%✓ healthy
Tier 1 capital ratio12.5%✓ adequate buffer
Loan loss reserve ratio1.12%
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$15.00B
DFAST stress test (Fed)8.8% CET1 stressed
HMDA Mortgage Fair Lending · 2023
Mortgage denial rate31.8%
Denial rate by raceNot reportedInsufficient verified sample
Based on 40,595 mortgage applications · FFIEC HMDA 2023
Regulatory Enforcement Record
OCC (Office of the Comptroller)Federal ReserveCFPB (Consumer Financial)FinCEN (Anti-money laundering)FDIC (Federal Deposit Insurance)FTC (Federal Trade Commission)
Dot colour reflects the most recent enforcement record on file at each agency. Each row links to that regulator’s source explainer.
Top Complaint Issues
14%
14%
6%
Breakdown of complaint issues filed with the CFPB by customers of this institution.
Methodological notes
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
Institution Status
No DNA profile signals computed for this institution.
Enforcement
Financial Health
Fair Lending
Computed Signals
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 ›