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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 17, 2026Credit cardsFees or interestProblem with feesWIExplainedYes
Oct 17, 2026Credit reportingIncorrect information on your reportInformation belongs to someone elseFLFixedYes
Oct 17, 2026Credit cardsAdvertising and marketing, including promotional offersConfusing or misleading advertising about the credit cardTXMoney backYes
Oct 17, 2026Credit cardsFees or interestProblem with feesMIExplainedYes
Oct 17, 2026Credit cardsProblem with a company's investigation into an existing problemInvestigation took more than 30 daysNCIn progressYes
Oct 17, 2026Debt collectionAttempts to collect debt not owedDebt is not yoursTXExplainedYes
Oct 17, 2026Debt collectionFalse statements or representationAttempted to collect wrong amountMNExplainedYes
Oct 16, 2026Payday & personal loansProblem with additional add-on products or servicesORIn progressYes
Oct 16, 2026Credit cardsFees or interestProblem with feesCAExplainedYes
Oct 16, 2026Credit reportingProblem with a company's investigation into an existing problemTheir investigation did not fix an error on your reportPAExplainedYes
Oct 16, 2026Credit cardsGetting a credit cardCard opened without my consent or knowledgeWAFixedYes
Oct 16, 2026Credit cardsFees or interestCharged too much interestILExplainedYes
Oct 16, 2026Credit cardsProblem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statementGAExplainedYes
Oct 16, 2026Credit cardsProblem when making paymentsProblem during payment processGAExplainedYes
Oct 16, 2026Credit cardsFees or interestUnexpected increase in interest rateOHMoney backYes
Oct 16, 2026Credit reportingIncorrect information on your reportInformation belongs to someone elseFLFixedYes
Oct 16, 2026Debt collectionTook or threatened to take negative or legal actionThreatened or suggested your credit would be damagedCAExplainedYes
Oct 16, 2026Debt collectionCommunication tacticsFrequent or repeated callsNJFixedYes
Oct 16, 2026Credit cardsFees or interestProblem with feesNYMoney backYes
Oct 16, 2026Credit cardsProblem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statementUTMoney backYes
Oct 16, 2026Credit reportingIncorrect information on your reportAccount status incorrectLAExplainedYes
Oct 16, 2026Credit cardsFees or interestCharged too much interestMDMoney backYes
Oct 16, 2026Credit reportingProblem with a company's investigation into an existing issueWas not notified of investigation status or resultsFLExplainedYes
Oct 16, 2026Debt collectionTook or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not payNJFixedYes
Oct 16, 2026Credit cardsAdvertising and marketing, including promotional offersConfusing or misleading advertising about the credit cardNCExplainedYes
Oct 15, 2026Credit cardsFees or interestProblem with feesALMoney backYes
Oct 15, 2026Credit cardsProblem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statementMDExplainedYes
Oct 15, 2026Credit reportingImproper use of your reportReporting company used your report improperlyFLExplainedYes
Oct 15, 2026Credit cardsFees or interestProblem with feesCAMoney backYes
Oct 15, 2026Credit reportingImproper use of your reportReporting company used your report improperlyGAExplainedYes
Oct 15, 2026Credit cardsFees or interestUnexpected increase in interest rateTXMoney backYes
Oct 15, 2026Credit cardsProblem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statementPAExplainedYes
Oct 15, 2026Auto loans & leasesGetting a loan or leaseLoan opened without my consent or knowledgeDEFixedYes
Oct 15, 2026Credit cardsOther features, terms, or problemsPrivacy issuesTNFixedYes
Oct 15, 2026Credit reportingCredit monitoring or identity theft protection servicesProblem canceling credit monitoring or identify theft protection serviceHIFixedYes
Oct 15, 2026Credit cardsGetting a credit cardProblem getting a working replacement cardSCExplainedYes
Oct 15, 2026Credit cardsFees or interestCharged too much interestCAExplainedYes
Oct 15, 2026Credit cardsProblem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statementORMoney backYes
Oct 15, 2026Debt collectionAttempts to collect debt not owedDebt is not yoursMIFixedYes
Oct 15, 2026Credit cardsFees or interestUnexpected increase in interest rateVAExplainedYes
Oct 15, 2026Credit reportingIncorrect information on your reportInformation belongs to someone elseNEFixedYes
Oct 15, 2026Credit cardsFees or interestProblem with feesPAMoney backYes
Oct 15, 2026Credit reportingIncorrect information on your reportInformation belongs to someone elseNEFixedYes
Oct 15, 2026Credit cardsTrouble using your cardCan't use card to make purchasesNJExplainedYes
Oct 15, 2026Credit cardsFees or interestProblem with feesMDMoney backYes
Oct 15, 2026Payday & personal loansCharged fees or interest you didn't expectCOMoney backYes
Oct 15, 2026Credit reportingIncorrect information on your reportAccount status incorrectMDExplainedYes
Oct 15, 2026Credit cardsStruggling to pay your billCredit card company won't work with you while you're going through financial hardshipNMMoney backYes
Oct 15, 2026Credit reportingIncorrect information on your reportInformation belongs to someone elseFLFixedYes
Oct 15, 2026Credit reportingIncorrect information on your reportAccount information incorrectNJFixedYes

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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