A complaint is a statement by a consumer, not a proven violation. Larger companies naturally receive more complaints. MoneyWatchUSA does not give financial advice, recommend products, or rank "worst" companies.

Overview / Companies / Bread Financial Holdings, Inc.

Bread Financial Holdings, Inc.

CFPB Consumer Complaint Database · CFPB Consumer Complaint Database

Complaints, last 12 months

10,904

Change vs prior 12 months

+38.7%

7,859 prior

Complaints on record (all-time)

48,553

Answered on time

100%

Closed with relief

38.5%

monetary or non-monetary

Most-complained product

Debt collection

Most common problem

Took or threatened to take negative or legal action

By product (last 12 months)

Debt collection3,909

Credit card3,416

Credit reporting or other personal consumer reports3,394

Payday loan, title loan, personal loan, or advance loan98

Checking or savings account51

Debt or credit management22

Money transfer, virtual currency, or money service8

Vehicle loan or lease1

By problem (last 12 months)

Took or threatened to take negative or legal action2,378

Incorrect information on your report2,302

Fees or interest1,129

Attempts to collect debt not owed912

Problem with a company's investigation into an existing problem800

Improper use of your report710

Problem with a purchase shown on your statement541

Getting a credit card281

Problem when making payments250

Other features, terms, or problems227

Where complainants live (last 12 months)

California1,540

Texas1,313

North Carolina530

Pennsylvania405

Source: CFPB Consumer Complaint Database. A complaint is a consumer's statement of a problem, not a finding against the company. Larger companies receive more complaints because they have more customers. For help with a specific dispute, go to consumerfinance.gov/complaint.

Bread Financial Holdings, Inc.: CFPB Complaints | MoneyWatchUSA