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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 20, 2026Credit reportingProblem with a company's investigation into an existing problemInvestigation took more than 30 daysVAExplainedYes
Oct 20, 2026Credit cardsFees or interestCharged too much interestNCExplainedYes
Oct 20, 2026Credit cardsAdvertising and marketing, including promotional offersDidn't receive advertised or promotional termsTXMoney backYes
Oct 20, 2026Debt collectionFalse statements or representationAttempted to collect wrong amountMSExplainedYes
Oct 20, 2026Credit cardsIncorrect information on your reportAccount status incorrectNVFixedYes
Oct 20, 2026Credit cardsOther features, terms, or problemsAdd-on products and servicesCAMoney backYes
Oct 20, 2026Credit cardsOther features, terms, or problemsOther problemCAMoney backYes
Oct 20, 2026Debt collectionAttempts to collect debt not owedDebt is not yoursCOExplainedYes
Oct 20, 2026Credit reportingIncorrect information on your reportInformation belongs to someone elseOHFixedYes
Oct 20, 2026Credit reportingIncorrect information on your reportInformation belongs to someone elseFLFixedYes
Oct 20, 2026Credit reportingIncorrect information on your reportInformation belongs to someone elseFLFixedYes
Oct 20, 2026Credit cardsClosing your accountCompany closed your accountNYExplainedYes
Oct 20, 2026Credit cardsFees or interestCharged too much interestLAFixedYes
Oct 20, 2026Credit reportingIncorrect information on your reportAccount status incorrectNYExplainedYes
Oct 19, 2026Credit cardsFees or interestCharged too much interestMNExplainedYes
Oct 19, 2026Credit cardsOther features, terms, or problemsOther problemTNFixedYes
Oct 19, 2026Debt collectionWritten notification about debtDidn't receive enough information to verify debtTXExplainedYes
Oct 19, 2026Credit cardsClosing your accountCompany closed your accountINExplainedYes
Oct 19, 2026Credit cardsFees or interestCharged too much interestIAExplainedYes
Oct 19, 2026Debt collectionAttempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owedMIExplainedYes
Oct 19, 2026Credit reportingIncorrect information on your reportInformation belongs to someone elseFLExplainedYes
Oct 19, 2026Credit cardsAdvertising and marketing, including promotional offersConfusing or misleading advertising about the credit cardCOExplainedYes
Oct 19, 2026Credit reportingProblem with a company's investigation into an existing problemTheir investigation did not fix an error on your reportDCExplainedYes
Oct 19, 2026Credit cardsFees or interestCharged too much interestCAMoney backYes
Oct 19, 2026Credit cardsFees or interestCharged too much interestTXExplainedYes
Oct 19, 2026Credit cardsAdvertising and marketing, including promotional offersConfusing or misleading advertising about the credit cardOHExplainedYes
Oct 19, 2026Credit cardsProblem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statementALIn progressYes
Oct 19, 2026Debt collectionAttempts to collect debt not owedDebt was paidCAExplainedYes
Oct 19, 2026Debt collectionWritten notification about debtDidn't receive enough information to verify debtTXExplainedYes
Oct 19, 2026Credit cardsStruggling to pay your billCredit card company won't work with you while you're going through financial hardshipCOFixedYes
Oct 19, 2026Credit cardsProblem with a company's investigation into an existing problemTheir investigation did not fix an error on your reportFLExplainedYes
Oct 18, 2026Credit cardsFees or interestCharged too much interestCAExplainedYes
Oct 18, 2026Credit reportingIncorrect information on your reportInformation belongs to someone elseCAFixedYes
Oct 18, 2026Debt collectionTook or threatened to take negative or legal actionThreatened or suggested your credit would be damagedGAExplainedYes
Oct 18, 2026Credit reportingImproper use of your reportCredit inquiries on your report that you don't recognizeARFixedYes
Oct 18, 2026Credit reportingProblem with a company's investigation into an existing problemWas not notified of investigation status or resultsVAMoney backYes
Oct 18, 2026Debt collectionAttempts to collect debt not owedDebt was result of identity theftNEFixedYes
Oct 18, 2026Payday & personal loansGetting the loanCAExplainedYes
Oct 18, 2026Credit cardsOther features, terms, or problemsOther problemTXExplainedYes
Oct 18, 2026Credit cardsFees or interestProblem with feesCAMoney backYes
Oct 18, 2026Credit cardsGetting a credit cardApplication deniedCAExplainedYes
Oct 18, 2026Credit cardsProblem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statementNCExplainedYes
Oct 17, 2026Credit cardsFees or interestProblem with feesORMoney backYes
Oct 17, 2026Debt collectionAttempts to collect debt not owedDebt is not yoursGAFixedYes
Oct 17, 2026Credit reportingImproper use of your reportReporting company used your report improperlyCAExplainedYes
Oct 17, 2026Credit cardsIncorrect information on your reportAccount status incorrectNYExplainedYes
Oct 17, 2026Credit cardsAdvertising and marketing, including promotional offersConfusing or misleading advertising about the credit cardAZExplainedYes
Oct 17, 2026Debt collectionAttempts to collect debt not owedDebt is not yoursMOExplainedYes
Oct 17, 2026Credit cardsFees or interestCharged too much interestNVFixedYes
Oct 17, 2026Credit reportingIncorrect information on your reportInformation belongs to someone elseFLFixedYes

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

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