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Data / Consumer complaints / Bread Financial Holdings, Inc. / Debt or credit management

Bread Financial Holdings, Inc.: 64 CFPB complaints about debt or credit management, last 3 years

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

Bread Financial Holdings, Inc. drew 64 consumer complaints about debt or credit management in the CFPB database in the three years to November 6, 2026, 0.3% of its 24,972 complaints in that time. The most common issue was “Charged upfront or unexpected fees”. The company responded on time to 100.0% of them, and 43.8% closed with monetary or other relief.

The request: Watch Bread Financial Holdings, Inc.: each new CFPB complaint about debt or credit management 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 debt or credit management in California

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.

  • 64Complaints, last 3 years
  • 0.3%Share of the company's complaints
  • 100.0%Responded on time
  • 43.8%Closed with relief
  • Oct 14, 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, 20262335.9%
12 months to Nov 6, 20252437.5%
12 months to Nov 6, 20241726.6%

Issues

IssueComplaintsShare
Charged upfront or unexpected fees1625%
Problem with customer service1320.3%
Confusing or missing disclosures1218.8%
Confusing or misleading advertising or marketing1117.2%
Didn't provide services promised812.5%
Unauthorized withdrawals or charges46.2%

How the company responded

Company responseComplaintsShare
Closed with explanation3554.7%
Closed with non-monetary relief1726.6%
Closed with monetary relief1117.2%
In progress11.6%

States

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

StateComplaintsShare
California1218.8%
Florida914.1%
New York812.5%
Texas46.2%
Alabama34.7%
Oklahoma34.7%
Pennsylvania34.7%
Arizona23.1%
Georgia23.1%
Illinois23.1%
Michigan23.1%
North Carolina23.1%
Washington23.1%
Indiana11.6%
Massachusetts11.6%
Minnesota11.6%
Missouri11.6%
New Jersey11.6%
Nevada11.6%
Tennessee11.6%
Utah11.6%
Virginia11.6%

Latest 25 complaints

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

ReceivedProductIssueCompany responseSource
October 14, 2026Debt or credit managementProblem with customer serviceIn progressconsumerfinance.gov
October 6, 2026Debt or credit managementDidn't provide services promisedClosed with monetary reliefconsumerfinance.gov
August 6, 2026Debt or credit managementCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
July 2, 2026Debt or credit managementProblem with customer serviceClosed with non-monetary reliefconsumerfinance.gov
June 25, 2026Debt or credit managementConfusing or misleading advertising or marketingClosed with monetary reliefconsumerfinance.gov
June 24, 2026Debt or credit managementConfusing or missing disclosuresClosed with explanationconsumerfinance.gov
June 14, 2026Debt or credit managementConfusing or missing disclosuresClosed with explanationconsumerfinance.gov
June 11, 2026Debt or credit managementConfusing or misleading advertising or marketingClosed with explanationconsumerfinance.gov
June 3, 2026Debt or credit managementConfusing or misleading advertising or marketingClosed with non-monetary reliefconsumerfinance.gov
May 25, 2026Debt or credit managementConfusing or missing disclosuresClosed with explanationconsumerfinance.gov
May 10, 2026Debt or credit managementConfusing or missing disclosuresClosed with non-monetary reliefconsumerfinance.gov
April 28, 2026Debt or credit managementProblem with customer serviceClosed with monetary reliefconsumerfinance.gov
April 27, 2026Debt or credit managementDidn't provide services promisedClosed with explanationconsumerfinance.gov
April 25, 2026Debt or credit managementConfusing or missing disclosuresClosed with non-monetary reliefconsumerfinance.gov
April 23, 2026Debt or credit managementDidn't provide services promisedClosed with explanationconsumerfinance.gov
April 11, 2026Debt or credit managementCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
April 2, 2026Debt or credit managementUnauthorized withdrawals or chargesClosed with non-monetary reliefconsumerfinance.gov
March 26, 2026Debt or credit managementConfusing or misleading advertising or marketingClosed with monetary reliefconsumerfinance.gov
February 3, 2026Debt or credit managementDidn't provide services promisedClosed with explanationconsumerfinance.gov
January 30, 2026Debt or credit managementProblem with customer serviceClosed with explanationconsumerfinance.gov
January 14, 2026Debt or credit managementConfusing or misleading advertising or marketingClosed with explanationconsumerfinance.gov
December 29, 2025Debt or credit managementCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
November 14, 2025Debt or credit managementCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
November 6, 2025Debt or credit managementCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
November 4, 2025Debt or credit managementProblem with customer serviceClosed with non-monetary reliefconsumerfinance.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.