Share your experienceShare
Companies A-Z Rankings Categories Problems By state Latest complaints Trends Compare Experiences Reports Guides Share your experience
Theme

Complaint log

Bread Financial complaint log

The newest complaints about Bread Financial, as they are published, with the company's answer. Open any one for the full record and to discuss it.

ReceivedAboutIssueStateAnswerOn time
Oct 22, 2026Credit reportingIncorrect information on your reportInformation belongs to someone elsePAFixedYes
Oct 22, 2026Credit cardsProblem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statementNYIn progressYes
Oct 22, 2026Credit cardsGetting a credit cardDelay in processing applicationPAExplainedYes
Oct 22, 2026Credit reportingImproper use of your reportCredit inquiries on your report that you don't recognizeAZFixedYes
Oct 22, 2026Credit cardsClosing your accountCan't close your accountINExplainedYes
Oct 22, 2026Credit cardsProblem when making paymentsProblem during payment processINExplainedYes
Oct 22, 2026Debt collectionAttempts to collect debt not owedDebt is not yoursMAExplainedYes
Oct 22, 2026Credit reportingIncorrect information on your reportInformation belongs to someone elseFLFixedYes
Oct 21, 2026Credit cardsFees or interestCharged too much interestTXExplainedYes
Oct 21, 2026Credit cardsProblem with a purchase shown on your statementCard was charged for something you did not purchase with the cardFLMoney backYes
Oct 21, 2026Payday & personal loansCharged fees or interest you didn't expectCAMoney backYes
Oct 21, 2026Credit cardsProblem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statementGAMoney backYes
Oct 21, 2026Credit reportingProblem with a company's investigation into an existing problemWas not notified of investigation status or resultsTNExplainedYes
Oct 21, 2026Credit cardsStruggling to pay your billCredit card company won't work with you while you're going through financial hardshipNJExplainedYes
Oct 21, 2026Credit cardsFees or interestUnexpected increase in interest rateNYExplainedYes
Oct 21, 2026Credit reportingImproper use of your reportReporting company used your report improperlyVAExplainedYes
Oct 21, 2026Credit cardsProblem with a purchase shown on your statementCard was charged for something you did not purchase with the cardCAMoney backYes
Oct 21, 2026Credit cardsGetting a credit cardCard opened without my consent or knowledgeMIExplainedYes
Oct 21, 2026Credit cardsFees or interestUnexpected increase in interest rateCAExplainedYes
Oct 21, 2026Credit reportingIncorrect information on your reportInformation belongs to someone elsePAExplainedYes
Oct 21, 2026Credit reportingIncorrect information on your reportInformation belongs to someone elseCAFixedYes
Oct 21, 2026Credit cardsTrouble using your cardCan't use card to make purchasesCAFixedYes
Oct 21, 2026Debt collectionWritten notification about debtDidn't receive enough information to verify debtCAExplainedYes
Oct 21, 2026Credit cardsProblem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statementFLIn progressYes
Oct 21, 2026Credit reportingIncorrect information on your reportAccount information incorrectNJExplainedYes
Oct 21, 2026Credit reportingIncorrect information on your reportInformation belongs to someone elseNCFixedYes
Oct 21, 2026Credit reportingIncorrect information on your reportAccount information incorrectFLExplainedYes
Oct 21, 2026Credit cardsFees or interestCharged too much interestTXExplainedYes
Oct 21, 2026Credit reportingImproper use of your reportReporting company used your report improperlyGAExplainedYes
Oct 21, 2026Bank accountsProblem with a company's investigation into an existing problemTheir investigation did not fix an error on your reportNVExplainedYes
Oct 21, 2026Payday & personal loansProblem with additional add-on products or servicesNCIn progressYes
Oct 21, 2026Debt collectionTook or threatened to take negative or legal actionThreatened or suggested your credit would be damagedTXExplainedYes
Oct 21, 2026Debt collectionTook or threatened to take negative or legal actionThreatened or suggested your credit would be damagedTXExplainedYes
Oct 21, 2026Credit cardsGetting a credit cardCard opened without my consent or knowledgeCAFixedYes
Oct 21, 2026Credit cardsFees or interestProblem with feesGAIn progressYes
Oct 21, 2026Debt collectionFalse statements or representationAttempted to collect wrong amountGAExplainedYes
Oct 21, 2026Debt collectionAttempts to collect debt not owedDebt was result of identity theftTXExplainedYes
Oct 21, 2026Credit cardsFees or interestCharged too much interestILExplainedYes
Oct 21, 2026Credit reportingImproper use of your reportCredit inquiries on your report that you don't recognizeMIFixedYes
Oct 20, 2026Credit cardsProblem with a purchase shown on your statementCard was charged for something you did not purchase with the cardCAExplainedYes
Oct 20, 2026Credit cardsIncorrect information on your reportInformation belongs to someone elseOHFixedYes
Oct 20, 2026Credit cardsFees or interestCharged too much interestMIExplainedYes
Oct 20, 2026Credit cardsGetting a credit cardCard opened without my consent or knowledgeNYFixedYes
Oct 20, 2026Credit cardsFees or interestCharged too much interestIAMoney backYes
Oct 20, 2026Credit reportingIncorrect information on your reportInformation belongs to someone elseFLFixedYes
Oct 20, 2026Credit cardsAdvertising and marketing, including promotional offersConfusing or misleading advertising about the credit cardCAExplainedYes
Oct 20, 2026Credit reportingImproper use of your reportReporting company used your report improperlyGAFixedYes
Oct 20, 2026Debt collectionFalse statements or representationAttempted to collect wrong amountINExplainedYes
Oct 20, 2026Credit cardsProblem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statementGAIn progressYes
Oct 20, 2026Credit cardsProblem when making paymentsProblem during payment processIDIn progressYes

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

Check the record before you sign.

Then add to it. Every experience you share - good or bad - goes on that company's record and helps the next person decide. Two minutes, anonymous.

Share your experience