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Data / Consumer complaints / Bread Financial Holdings, Inc. / Checking or savings account

Bread Financial Holdings, Inc.: 144 CFPB complaints about checking or savings account, last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

Bread Financial Holdings, Inc. drew 144 consumer complaints about checking or savings account in the CFPB database in the three years to November 6, 2026, 0.6% of its 24,972 complaints in that time. The most common issue was “Managing an account”. The company responded on time to 100.0% of them, and 36.8% closed with monetary or other relief.

The request: Watch Bread Financial Holdings, Inc.: each new CFPB complaint about checking or savings account by issue, with the date and the company response. $10 of work on sign-up, no card.

Watch this company's complaintsGet every company for this productGet checking or savings account in Florida

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 144Complaints, last 3 years
  • 0.6%Share of the company's complaints
  • 100.0%Responded on time
  • 36.8%Closed with relief
  • Oct 23, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 20265638.9%
12 months to Nov 6, 20253524.3%
12 months to Nov 6, 20245336.8%

Issues

IssueComplaintsShare
Managing an account7250%
Opening an account2819.4%
Closing an account1913.2%
Problem with a lender or other company charging your account139%
Problem with a company's investigation into an existing problem53.5%
Improper use of your report32.1%
Incorrect information on your report32.1%
Problem caused by your funds being low10.7%

How the company responded

Company responseComplaintsShare
Closed with explanation9062.5%
Closed with monetary relief2920.1%
Closed with non-monetary relief2416.7%
In progress10.7%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
Florida2114.6%
California2013.9%
Illinois117.6%
New York117.6%
Pennsylvania117.6%
New Jersey106.9%
Massachusetts74.9%
Maryland74.9%
North Carolina64.2%
Texas64.2%
Michigan42.8%
Colorado32.1%
Georgia32.1%
Ohio32.1%
Tennessee32.1%
Washington32.1%
Arizona21.4%
Connecticut21.4%
Missouri21.4%
Nevada21.4%
Hawaii10.7%
Minnesota10.7%
New Mexico10.7%
Rhode Island10.7%
South Carolina10.7%

Latest 25 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 23, 2026Checking or savings accountManaging an accountClosed with non-monetary reliefconsumerfinance.gov
October 23, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 21, 2026Checking or savings accountProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 9, 2026Checking or savings accountManaging an accountClosed with monetary reliefconsumerfinance.gov
October 9, 2026Checking or savings accountManaging an accountIn progressconsumerfinance.gov
October 8, 2026Checking or savings accountManaging an accountClosed with monetary reliefconsumerfinance.gov
October 8, 2026Checking or savings accountManaging an accountClosed with non-monetary reliefconsumerfinance.gov
September 28, 2026Checking or savings accountOpening an accountClosed with explanationconsumerfinance.gov
September 23, 2026Checking or savings accountOpening an accountClosed with monetary reliefconsumerfinance.gov
September 15, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
August 26, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
August 25, 2026Checking or savings accountManaging an accountClosed with monetary reliefconsumerfinance.gov
August 15, 2026Checking or savings accountIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 8, 2026Checking or savings accountOpening an accountClosed with explanationconsumerfinance.gov
July 22, 2026Checking or savings accountOpening an accountClosed with monetary reliefconsumerfinance.gov
July 20, 2026Checking or savings accountOpening an accountClosed with non-monetary reliefconsumerfinance.gov
July 19, 2026Checking or savings accountOpening an accountClosed with explanationconsumerfinance.gov
July 19, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
July 18, 2026Checking or savings accountManaging an accountClosed with non-monetary reliefconsumerfinance.gov
July 15, 2026Checking or savings accountClosing an accountClosed with monetary reliefconsumerfinance.gov
June 28, 2026Checking or savings accountManaging an accountClosed with non-monetary reliefconsumerfinance.gov
June 25, 2026Checking or savings accountIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 20, 2026Checking or savings accountProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
June 16, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
June 14, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov

Also on SpecStream

Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.