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 |
|---|---|---|---|
| Sep 20, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Sep 19, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Fixed |
| Sep 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Sep 19, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 18, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 18, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Sep 17, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 17, 2026 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Fixed |
| Sep 17, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Fixed |
| Sep 17, 2026 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Sep 16, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Sep 16, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Sep 16, 2026 | Debt collection | Communication tacticsCalled before 8am or after 9pm | Explained |
| Sep 16, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 15, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Fixed |
| Sep 15, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Fixed |
| Sep 15, 2026 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Sep 15, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 15, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 14, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 14, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Fixed |
| Sep 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Sep 13, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 12, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Sep 12, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Fixed |
| Sep 12, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 11, 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
Talk about Bread Financial
No comments yet. Start the conversation - questions are welcome too.