Bread Financial Holdings, Inc. Consumer Complaints
Bread Financial Holdings, Inc. has received 45,889 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Jun 1, 2026Key Takeaways
- 45,889 total complaints on file with the CFPB.
- Most complaints are about Credit card or prepaid card (11,608).
- Timely response rate: 100.0%.
- Consumer disputed rate: 12.7% of resolved complaints.
Complaints by Product
The following table shows how complaints against Bread Financial Holdings, Inc. break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Credit card or prepaid card | 11,608 | 25.3% |
| Debt collection | 9,863 | 21.5% |
| Credit card | 8,273 | 18.0% |
| Credit reporting or other personal consumer reports | 8,122 | 17.7% |
| Credit reporting, credit repair services, or other personal consumer reports | 6,740 | 14.7% |
| Checking or savings account | 534 | 1.2% |
| Payday loan, title loan, or personal loan | 258 | 0.6% |
| Payday loan, title loan, personal loan, or advance loan | 180 | 0.4% |
| Money transfer, virtual currency, or money service | 118 | 0.3% |
| Debt or credit management | 54 | 0.1% |
| Credit reporting | 37 | 0.1% |
| Bank account or service | 32 | 0.1% |
| Consumer Loan | 27 | 0.1% |
| Mortgage | 15 | 0.0% |
| Prepaid card | 10 | 0.0% |
| Money transfers | 6 | 0.0% |
| Student loan | 5 | 0.0% |
| Vehicle loan or lease | 5 | 0.0% |
| Other financial service | 1 | 0.0% |
| Payday loan | 1 | 0.0% |
Most Common Issues
These are the specific issues consumers most frequently report about Bread Financial Holdings, Inc..
Company Response Breakdown
When consumers file complaints, Bread Financial Holdings, Inc. responds in one of several ways. The breakdown below shows how Bread Financial Holdings, Inc. has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 25,825 | 56.3% |
| Closed with non-monetary relief | 12,101 | 26.4% |
| Closed with monetary relief | 7,892 | 17.2% |
| In progress | 70 | 0.2% |
| Closed | 1 | 0% |
Complaints by State
Top states where consumers have filed complaints against Bread Financial Holdings, Inc..
| State | Complaints |
|---|---|
| California | 5,243 |
| Florida | 5,110 |
| Texas | 4,006 |
| New York | 3,516 |
| Georgia | 2,331 |
| Pennsylvania | 2,128 |
| Illinois | 1,915 |
| New Jersey | 1,846 |
| North Carolina | 1,735 |
| Ohio | 1,421 |
| Massachusetts | 1,364 |
| Maryland | 1,110 |
| Michigan | 1,103 |
| Virginia | 1,083 |
| Arizona | 845 |
| South Carolina | 754 |
| Tennessee | 741 |
| Connecticut | 632 |
| Alabama | 622 |
| Washington | 599 |
Your Rights
What to do if you have a complaint against Bread Financial Holdings, Inc.
- Contact Bread Financial Holdings, Inc. directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does Bread Financial Holdings, Inc. have?
Bread Financial Holdings, Inc. has 45,889 consumer complaints on file with the CFPB as of our last data refresh.
-
What is the most common complaint about Bread Financial Holdings, Inc.?
The most common issue reported is Incorrect information on your report with 8,440 complaints.
-
How do I file a complaint against Bread Financial Holdings, Inc.?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
-
Does Bread Financial Holdings, Inc. respond to complaints on time?
Bread Financial Holdings, Inc. has a 100.0% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed June 2026.