I tried a live chat function on the XXXX website. They told me to call the XXXX number. I repeatedly told them I had already called that number and just got to a message that said Our offices are temporarily closed ''. Finally they told me to call XXXX XXXX directly and have them transfer me to comenity. I called both XXXX and XXXX before the chat was disconnected. I've tried calling again today with no luck.,,Bread Financial Holdings

What the CFPB Record Shows About I tried a live chat function on the XXXX website. They told me to call the XXXX number. I repeatedly told them I had already called that number and just got to a message that said Our offices are temporarily closed ''. Finally they told me to call XXXX XXXX directly and have them transfer me to comenity. I called both XXXX and XXXX before the chat was disconnected. I've tried calling again today with no luck.,,Bread Financial Holdings

I tried a live chat function on the XXXX website. They told me to call the XXXX number. I repeatedly told them I had already called that number and just got to a message that said Our offices are temporarily closed ''. Finally they told me to call XXXX XXXX directly and have them transfer me to comenity. I called both XXXX and XXXX before the chat was disconnected. I've tried calling again today with no luck.,,Bread Financial Holdings has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to Then, and the most recent logged activity is Then two w, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, I tried a live chat function on the XXXX website. They told me to call the XXXX number. I repeatedly told them I had already called that number and just got to a message that said Our offices are temporarily closed ''. Finally they told me to call XXXX XXXX directly and have them transfer me to comenity. I called both XXXX and XXXX before the chat was disconnected. I've tried calling again today with no luck.,,Bread Financial Holdings reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "my card started to decline when I tried to use it", and the single most common underlying issue is "I would verify my account".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating I tried a live chat function on the XXXX website. They told me to call the XXXX number. I repeatedly told them I had already called that number and just got to a message that said Our offices are temporarily closed ''. Finally they told me to call XXXX XXXX directly and have them transfer me to comenity. I called both XXXX and XXXX before the chat was disconnected. I've tried calling again today with no luck.,,Bread Financial Holdings: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.