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.
- 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 →
Response Quality Score
Bread Financial Holdings, Inc. scores strongest on relief provided (100/100 percentile-benchmarked) and weakest on closed with explanation (19/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
100 / 100 percentile-benchmarked
43.3% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
100% of complaints answered inside the CFPB 15-day window
Closed with explanation
19 / 100 percentile-benchmarked
56.2% of complaints closed with an explanation to the consumer
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
Volume vs. relief
Where Bread Financial Holdings, Inc. sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Bread Financial Holdings, Inc. files more complaint volume than 94% of them, and closes complaints with relief more often than 96% of them, placing it in the quadrant for high volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 46,980 · Closed with relief: 43.3%
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