Credit cards
Bread Financial credit cards complaints
Consumers have filed 21,535 complaints about Bread Financial's credit cards, 3,690 in the last 12 months (+29%). Bread Financial answered 100% on time and closed 47% with relief. See the whole Bread Financial record.
Bread Financial against other credit card companies
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | Capital One | 14,231 | 99.9% | 22% |
| 2 | Citibank | 12,511 | 99.9% | 42% |
| 3 | Synchrony | 9,417 | 95.9% | 20% |
| 4 | JPMorgan Chase | 7,363 | 100% | 21% |
| 5 | Bank of America | 6,335 | 99.3% | 39% |
| 6 | American Express | 5,838 | 98.7% | 23% |
| 7 | Wells Fargo | 3,702 | 99.9% | 27% |
| 8 | Bread Financial (Comenity) | 3,690 | 100% | 47% |
| 9 | Goldman Sachs Bank (Apple Card, Marcus) | 3,156 | 100% | 27% |
| 10 | Barclays US | 2,871 | 100% | 7% |
| 11 | U.S. Bank | 2,011 | 100% | 33% |
| 12 | TransUnion | 1,897 | 100% | 57% |
Latest Bread Financial credit cards complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 29, 2026 | Credit cards | Fees or interestProblem with fees | Explained |
| Oct 29, 2026 | Credit cards | Closing your accountCompany closed your account | Explained |
| Oct 29, 2026 | Credit cards | Fees or interestCharged too much interest | Explained |
| Oct 29, 2026 | Credit cards | Other features, terms, or problemsProblem with customer service | In progress |
| Oct 29, 2026 | Credit cards | Other features, terms, or problemsOther problem | Fixed |
| Oct 29, 2026 | Credit cards | Getting a credit cardApplication denied | In progress |
| Oct 29, 2026 | Credit cards | Advertising and marketing, including promotional offersConfusing or misleading advertising about the credit card | In progress |
| Oct 29, 2026 | Credit cards | Fees or interestProblem with fees | Explained |
| Oct 29, 2026 | Credit cards | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 29, 2026 | Credit cards | Fees or interestProblem with fees | Money back |
| Oct 28, 2026 | Credit cards | Other features, terms, or problemsOther problem | Money back |
| Oct 28, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | Explained |
| Oct 28, 2026 | Credit cards | Fees or interestCharged too much interest | Explained |
| Oct 28, 2026 | Credit cards | Fees or interestProblem with fees | Money back |
| Oct 28, 2026 | Credit cards | Fees or interestProblem with fees | Explained |
| Oct 28, 2026 | Credit cards | Problem when making paymentsYou never received your bill or did not know a payment was due | Explained |
| Oct 28, 2026 | Credit cards | Other features, terms, or problemsProblem with rewards from credit card | Fixed |
| Oct 28, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | Explained |
| Oct 28, 2026 | Credit cards | Fees or interestUnexpected increase in interest rate | In progress |
| Oct 28, 2026 | Credit cards | Improper use of your reportCredit inquiries on your report that you don't recognize | Fixed |
| Oct 27, 2026 | Credit cards | Trouble using your cardCredit card company won't increase or decrease your credit limit | Money back |
| Oct 27, 2026 | Credit cards | Fees or interestProblem with fees | In progress |
| Oct 27, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | In progress |
| Oct 27, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | In progress |
| Oct 27, 2026 | Credit cards | Fees or interestProblem with fees | Money back |
| Oct 27, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | Explained |
| Oct 27, 2026 | Credit cards | Fees or interestProblem with fees | Money back |
| Oct 27, 2026 | Credit cards | Other features, terms, or problemsProblem with rewards from credit card | Fixed |
| Oct 27, 2026 | Credit cards | Fees or interestProblem with fees | Money back |
| Oct 27, 2026 | Credit cards | Getting a credit cardCard opened without my consent or knowledge | In progress |
Your rights with credit card companies
Under the Fair Credit Billing Act you have 60 days from the statement date to dispute a billing error in writing, and the issuer must investigate. Your liability for unauthorized charges is capped at $50 by law (and usually zero in practice). Issuers must give 45 days' notice before raising your interest rate or most fees.
Scam warning: Your card company will never ask you to read out a full card number, PIN or one-time code on a call it made. Hang up and call the number on the back of the card.
General information, not legal advice; rules vary by state. Plain-English guides
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.