Bread Financial Holdings, Inc.
47.0K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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
How Bread Financial Holdings, Inc.'s 47.0K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary 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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Bread Financial Holdings, Inc.
Bread Financial Holdings, Inc.'s 46,980 logged complaints reach a nationwide footprint - 58 states have at least one filing on record. 43.5% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2016 through 2026-06-26.
Bread Financial Holdings, Inc. answers 100% of complaints inside the CFPB's tracked window and closes 56.2% with a written explanation. 43.3% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit card or prepaid card" draws the most filings, most often for "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..
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.
Frequently Asked Questions
How many CFPB complaints does Bread Financial Holdings, Inc. have?
46,980, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Bread Financial Holdings, Inc. respond to complaints on time?
100% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Bread Financial Holdings, Inc.?
"Incorrect information on your report", filed under the "Credit card or prepaid card" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.