CFPB · Higher closed-with-relief share
Bread Financial Holdings, Inc.
47.0K CFPB complaints · 43.3% relief (high band) · top issue Incorrect information on your report.
Bread Financial Holdings, Inc. closes 43.3% with relief (upper third) on 47.0K filings. Timely 100% · top product Credit card or prepaid card. Allegations, not findings.
- Volume rank #20 of 342
- Higher closed-with-relief share
- +11543.8% filings 2016 to 2026
CFPB relief outcome brief
CCDB company bread-financial-holdings-inc
43.3% relief · 100% timely · 47.0K filings · Credit card or prepaid card
Same-product relief peers
Nearest relief peer: Comerica (41.6% relief)
Bread Financial Holdings, Inc. closes 43.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Bread Financial Holdings, Inc.'s 47.0K filings include narrative text
43.5% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Bread Financial Holdings, Inc. complaint mix by product
- Credit card 12K 25.0% – 47% relief
- Debt collection 10K 22.3% – 43% relief
- Credit card 9K 18.4% – 53% relief
- Credit reporting 8K 18.1% – 37% relief
- Credit reporting, 7K 14.5% – 35% relief
- Checking or 541 1.2% – 33% relief
- Payday loan, 258 0.6% – 38% relief
Heavy-volume mix: how Bread Financial Holdings, Inc.'s 47.0K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit card or prepaid card | 11.6K |
| Debt collection | 10.4K |
| Credit card | 8.6K |
| Credit reporting or other personal consumer reports | 8.4K |
| Credit reporting, credit repair services, or other personal consumer reports | 6.7K |
| Checking or savings account | 541 |
| Payday loan, title loan, or personal loan | 258 |
| Payday loan, title loan, personal loan, or advance loan | 185 |
| Money transfer, virtual currency, or money service | 118 |
| Debt or credit management | 58 |
| Credit reporting | 37 |
| Bank account or service | 32 |
| Consumer Loan | 27 |
| Mortgage | 15 |
| Prepaid card | 10 |
| Money transfers | 6 |
| Vehicle loan or lease | 5 |
| Student loan | 5 |
| Payday loan | 1 |
| Other financial service | 1 |
Nationwide filing states for Bread Financial Holdings, Inc.
Top states by attributed volume, heavy-filing company
- Leading state
- CA
- 11.5% of this company's filings
Bread Financial Holdings, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 5.6K
- +11543.8% vs 2016
Top States
| State | Complaints |
|---|---|
| CA | 5.4K |
| FL | 5.2K |
| TX | 4.2K |
| NY | 3.6K |
| GA | 2.4K |
| PA | 2.2K |
| IL | 1.9K |
| NJ | 1.9K |
| NC | 1.8K |
| OH | 1.5K |
| MA | 1.4K |
| MI | 1.1K |
| MD | 1.1K |
| VA | 1.1K |
| AZ | 915 |
| SC | 791 |
| TN | 748 |
| CT | 640 |
| AL | 631 |
| WA | 625 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 8.6K |
| Fees or interest | 5.1K |
| Improper use of your report | 4.1K |
| Attempts to collect debt not owed | 3.6K |
| Problem with a purchase shown on your statement | 3.0K |
| Problem when making payments | 2.9K |
| Took or threatened to take negative or legal action | 2.8K |
| Getting a credit card | 2.1K |
| Problem with a company's investigation into an existing problem | 2.1K |
| Problem with a credit reporting company's investigation into an existing problem | 2.0K |
| Communication tactics | 1.8K |
| Other features, terms, or problems | 1.7K |
| Closing your account | 1.2K |
| Written notification about debt | 920 |
| Advertising and marketing, including promotional offers | 858 |
| False statements or representation | 791 |
| Trouble using your card | 615 |
| Struggling to pay your bill | 401 |
| Threatened to contact someone or share information improperly | 396 |
| Managing an account | 338 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2016 | 48 | 100% |
| 2017 | 2.1K | 100% |
| 2018 | 2.7K | 100% |
| 2019 | 2.7K | 100% |
| 2020 | 3.1K | 100% |
| 2021 | 4.0K | 100% |
| 2022 | 5.3K | 100% |
| 2023 | 6.0K | 100% |
| 2024 | 6.1K | 100% |
| 2025 | 9.4K | 100% |
| 2026 | 5.6K | 100% |
Source: CFPB Consumer Complaint Database
Bread Financial Holdings, Inc. in the higher-relief third
Bread Financial Holdings, Inc.'s 46,980 logged complaints reach a nationwide footprint - 58 states have at least one filing. 43.5% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2016 through 2026-06-26. Closed-with-relief 43.3% sits in the upper third of the corpus.
Bread Financial Holdings, Inc. closes 43.3% with monetary or non-monetary relief and answers 100% inside the CFPB window; 56.2% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Credit card or prepaid card" · top issue "Incorrect information on your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Bread Financial Holdings, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Bread Financial Holdings, Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 47.0K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Bread Financial Holdings, Inc. (#20 of 342; 100% timely; 43.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Higher closed-with-relief share