Debt collection
Bread Financial debt collection complaints
Consumers have filed 11,096 complaints about Bread Financial's debt collection, 3,459 in the last 12 months (+67%). Bread Financial answered 100% on time and closed 34% with relief. See the whole Bread Financial record.
Bread Financial against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Bread Financial (Comenity) | 3,459 | 100% | 34% |
Latest Bread Financial debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| 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 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 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 3, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 1, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 31, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 31, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 30, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Fixed |
| Oct 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 29, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Oct 29, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Oct 28, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Oct 28, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Fixed |
| Oct 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Oct 27, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Oct 27, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Oct 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 27, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Oct 27, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | In progress |
| Oct 26, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Fixed |
| Oct 26, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Fixed |
| Oct 25, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Fixed |
| Oct 25, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 25, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Oct 25, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
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
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