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 4, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Oct 4, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 4, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Fixed |
| Oct 3, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Money back |
| Oct 2, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 2, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 2, 2026 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Oct 2, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Fixed |
| Oct 2, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 1, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Money back |
| Oct 1, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 30, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 30, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Sep 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Sep 29, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 29, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Sep 29, 2026 | Debt collection | Communication tacticsCalled before 8am or after 9pm | Fixed |
| Sep 29, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Fixed |
| Sep 28, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Sep 28, 2026 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | Money back |
| Sep 28, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 28, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Sep 27, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | 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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