Card issuer · complaint record
Bread Financial complaints Comenity
Filed under Bread Financial Holdings, Inc.
Consumers have filed 50,225 complaints about Bread Financial since 2016, 10,455 of them in the last 12 months (+22% on the year before). It answered 100% on time and closed 39% with relief for the customer - more often than a typical card issuer. The most common problem is incorrect information on your report. It is the 5th most complained-about of 52 credit card companies this year.
Strong response record. How it works
- Complaints on record
- 50,225
- Last 12 months
- 10,455
- Answered on time
- 100%
- Closed with relief
- 39%
- Last 30 days
- 307
- Rank
- #5 of 52
Since September 2016
+22% vs the year before
Industry: 98.7%
Typical card issuer: 26%
Newest: Nov 10, 2026
Most complained-about credit card companies
Bread Financial complaints by month
The busiest month was December 2025 (1,180 complaints). Complaints in the last 12 months are up 22% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Bread Financial answered last 12 months
- Closed with monetary relief1,38313.2%
- Closed with non-monetary relief2,62125.1%
- Closed with explanation6,39361.1%
- In progress580.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers29/4038.5% closed with relief
- Complaint trend8/15+22% vs last year
What Bread Financial complaints are about
Top Bread Financial problems last 12 months
Inside "Incorrect information on your report"
- Information belongs to someone else 3,149
- Account status incorrect 2,824
- Account information incorrect 2,689
- Old information reappears or never goes away 323
- Information is missing that should be on the report 161
- Personal information incorrect 102
Where Bread Financial complaints come from
Most complaints: California (5,818), Florida (5,616), Texas (4,558), New York (3,796), Georgia (2,494).
Bread Financial compared with other credit card companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Capital OneCredit cards | 67 | 34,760 | B |
| 2 | CitibankCredit cards | 86 | 24,056 | A |
| 3 | SynchronyCredit cards | 46 | 16,479 | D |
| 4 | American ExpressCredit cards | 68 | 11,560 | B |
| 5 | Bread Financial (Comenity)Credit cards | 82 | 10,455 | A |
| 6 | Goldman Sachs Bank (Apple Card, Marcus)Credit cards | 75 | 6,413 | B |
| 7 | Barclays USCredit cards | 55 | 5,690 | C |
| 8 | DiscoverCredit cards | 75 | 2,745 | B |
Compare side by side: Bread Financial vs Capital One · Bread Financial vs Citibank · Bread Financial vs Synchrony · Bread Financial vs American Express
What people say about Bread Financial
All experiencesNo experiences with Bread Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Bread Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 10, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Nov 9, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 9, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 6, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Nov 5, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Fixed |
| Nov 4, 2026 | Credit cards | Getting a credit cardCard opened without my consent or knowledge | Explained |
| Nov 4, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 4, 2026 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | Explained |
| Nov 4, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Fixed |
| Nov 4, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 4, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
Questions about Bread Financial
How many complaints does Bread Financial have?
Bread Financial has 50,225 complaints on record since September 2016, including 10,455 in the last 12 months and 307 in the last 30 days. That makes it number 21 of every company by complaints this year.
Does Bread Financial respond to complaints?
Yes. Bread Financial answered 100% of its complaints on time (within 15 days) and closed 39% with relief - money back or a fix; 13.3% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 82/100 (grade A).
What do people complain about most with Bread Financial?
The most common problems are incorrect information on your report (9,344), took or threatened to take negative or legal action (3,046), fees or interest (5,535).
Is Bread Financial legit?
Bread Financial is a real company with a public complaint record: consumers have complained about it 50,225 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Bread Financial legit? for the signals, red flags and how to protect yourself.
Are complaints about Bread Financial going up or down?
Up. There were 10,455 complaints in the last 12 months against 8,588 in the 12 before (+22%). See every month.
How do I file a complaint against Bread Financial?
Complain to Bread Financial in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Bread Financial complaints come from?
Most come from California (5,818), Florida (5,616), Texas (4,558). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Talk about Bread Financial
No comments yet. Start the conversation - questions are welcome too.