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 |
|---|---|---|---|
| Oct 15, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Oct 14, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Fixed |
| Oct 14, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Oct 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 14, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 12, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Fixed |
| Oct 12, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Oct 11, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Money back |
| Oct 10, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Oct 10, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Oct 10, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Oct 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 9, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 9, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 9, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 8, 2026 | Debt collection | Communication tacticsCalled before 8am or after 9pm | Fixed |
| Oct 8, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | In progress |
| Oct 7, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 7, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 7, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Fixed |
| Oct 7, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Oct 6, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 6, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 6, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 6, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 6, 2026 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Fixed |
| Oct 5, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
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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