Who is complaining aboutBread Financial Holdings, Inc.?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
Complaints, last 12 months
10,769
8,149 in the 12 months before · 49,239 since 2016 · 0.2% of all complaints the CFPB received
For its size
507per $1bn in assets
Against $21 billion, the combined assets of its 2 FDIC-insured banks as of 30 Jun 2026.
Fewer than five peer companies in the same category share this size measure, so no peer median is shown.
The CFPB complaint database records 10,769 complaints about Bread Financial Holdings, Inc. in the 12 months to 30 Sep 2026, up 32% on the 8,149 of the 12 months before, and 49,239 in all since 2016.
The 2 FDIC-insured banks of Bread Financial Holdings, Inc. reported $21 billion in assets as of 30 Jun 2026. Its 10,769 complaints in 12 months work out to 507 per $1 billion of those assets. Assets measure the whole institution: one with a large card or consumer-lending business has many more customers per dollar of assets than a commercial or community bank, and its figure will sit higher for that reason alone.
35% of the complaints in that period fall under the CFPB product category “Debt collection”, followed by “Credit card” at 32.7%. The issue selected most often was “Took or threatened to take negative or legal action” (21.1%).
How the company's responses were recorded over the 12 months: 61.3% closed with an explanation, 26.2% closed with non-monetary relief, 12.2% closed with monetary relief, and 0.3% still in progress when the file was published. 100% of responses were marked timely; the median among the 458 companies whose complaints mainly concern “Debt collection” is 100%.
Among those 458 peer companies the median received 83 complaints in the same 12 months. A complaint is a consumer's account and is not a finding against the company; the CFPB does not verify every allegation in a complaint before publishing it.
Windows end on 30 Sep 2026, the last date in the CFPB file. The latest two to three weeks are incomplete because a complaint is published only after the company responds or 15 days pass.
Compared with peer companies
| Measure | This company | Peer median (458 companies) | All complaints nationally |
|---|---|---|---|
| Complaints, last 12 months | 10,769 | 83 | 6,938,056 |
| Change on the 12 months before | 32% | 26% | 45% |
| Responses marked timely | 100% | 100% | 99.6% |
| Closed with monetary or non-monetary relief | 38.5% | 0% | 31.6% |
Peers are the 458 companies on this site whose largest complaint category is Debt collection and that received at least 20 complaints in the last 12 months. Peer companies differ widely in size; a per-size row appears only when at least five peers share this company's size measure, and its median is taken over those peers alone.
Complaints by month
What the complaints are about
Products and issues are the categories the consumer selects on the CFPB form, shown with the CFPB's wording, in the last 12 months.
- Debt collection3,770 · 35%
- Credit card3,526 · 32.7%
- Credit reporting or other personal consumer reports3,279 · 30.4%
- Payday loan, title loan, personal loan, or advance loan106 · 1%
- Checking or savings account49 · 0.5%
- All other categories39 · 0.4%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Took or threatened to take negative or legal action | 2,267 | 21.1% |
| Incorrect information on your report | 2,259 | 21% |
| Fees or interest | 1,198 | 11.1% |
| Attempts to collect debt not owed | 910 | 8.5% |
| Problem with a company's investigation into an existing problem | 763 | 7.1% |
| Improper use of your report | 678 | 6.3% |
| Problem with a purchase shown on your statement | 556 | 5.2% |
| Getting a credit card | 279 | 2.6% |
| Problem when making payments | 252 | 2.3% |
| Other features, terms, or problems | 240 | 2.2% |
| Other CFPB issue categories | 1,367 | 12.7% |
Debt collection
3,770 complaints in the last 12 months (35% of this company's total); 1,783 in the 12 months before. That is 1.2% of all complaints in the category nationally. 34.4% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Took or threatened to take negative or legal action | 2,267 | 60.1% |
| Attempts to collect debt not owed | 910 | 24.1% |
| False statements or representation | 209 | 5.5% |
| Written notification about debt | 194 | 5.1% |
| Communication tactics | 140 | 3.7% |
| Other CFPB issue categories | 50 | 1.3% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| I do not know | 3,167 | 84% |
| Credit card debt | 532 | 14.1% |
| Other debt | 41 | 1.1% |
| Medical debt | 17 | 0.5% |
| Telecommunications debt | 9 | 0.2% |
| Other or no sub-product recorded | 4 | 0.1% |
Credit card
3,526 complaints in the last 12 months (32.7% of this company's total); 2,853 in the 12 months before. That is 3.8% of all complaints in the category nationally. 47.2% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Fees or interest | 1,198 | 34% |
| Problem with a purchase shown on your statement | 556 | 15.8% |
| Incorrect information on your report | 292 | 8.3% |
| Getting a credit card | 279 | 7.9% |
| Other features, terms, or problems | 240 | 6.8% |
| Other CFPB issue categories | 961 | 27.3% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Store credit card | 2,201 | 62.4% |
| General-purpose credit card or charge card | 1,325 | 37.6% |
Credit reporting or other personal consumer reports
3,279 complaints in the last 12 months (30.4% of this company's total); 3,374 in the 12 months before. That is 0.1% of all complaints in the category nationally. 33.9% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 1,957 | 59.7% |
| Improper use of your report | 657 | 20% |
| Problem with a company's investigation into an existing problem | 611 | 18.6% |
| Credit monitoring or identity theft protection services | 26 | 0.8% |
| Problem with a company's investigation into an existing issue | 13 | 0.4% |
| Other CFPB issue categories | 15 | 0.5% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Credit reporting | 3,244 | 98.9% |
| Other personal consumer report | 35 | 1.1% |
Payday loan, title loan, personal loan, or advance loan
106 complaints in the last 12 months (1% of this company's total); 68 in the 12 months before. That is 0.6% of all complaints in the category nationally. 37.7% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 38 | 35.8% |
| Problem when making payments | 17 | 16% |
| Getting the loan | 13 | 12.3% |
| Problem with additional add-on products or services | 10 | 9.4% |
| Incorrect information on your report | 8 | 7.5% |
| Other CFPB issue categories | 20 | 18.9% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Installment loan | 85 | 80.2% |
| Personal line of credit | 17 | 16% |
| Payday loan | 3 | 2.8% |
| Other advances of future income | 1 | 0.9% |
How the company responded
The CFPB records one closing category for each complaint, chosen by the company. Shares are of all complaints in the last 12 months.
- Closed with explanation6,601 · 61.3%
- Closed with non-monetary relief2,821 · 26.2%
- Closed with monetary relief1,315 · 12.2%
- In progress32 · 0.3%
The current CFPB export carries no consumer-disputed field, so no disputed rate is shown. The CFPB stopped collecting that field in April 2017.
Where the complaints come from
| State (as reported by the consumer) | Complaints | Share |
|---|---|---|
| California | 1,521 | 14.1% |
| Texas | 1,295 | 12% |
| Florida | 1,219 | 11.3% |
| New York | 717 | 6.7% |
| North Carolina | 503 | 4.7% |
| Georgia | 459 | 4.3% |
| Pennsylvania | 413 | 3.8% |
| New Jersey | 413 | 3.8% |
| Illinois | 370 | 3.4% |
| Arizona | 361 | 3.4% |
| Ohio | 311 | 2.9% |
| South Carolina | 273 | 2.5% |
Top 12 of 51 states with at least one complaint in the last 12 months. State counts follow population and where the company does business.
Other companies in the same category
Companies whose complaints mainly concern Debt collection, nearest in complaint volume. Listed for navigation, in no order of merit.
Questions and answers
How many complaints has the CFPB received about Bread Financial Holdings, Inc.?
10,769 in the 12 months to 30 Sep 2026 (8,149 in the 12 months before that) and 49,239 since 2016. 307 arrived in the last 30 days and 1,698 in the last 90 days; the most recent weeks are incomplete because a complaint is published only once the company responds or after 15 days.
How does that compare for its size?
The 2 FDIC-insured banks of Bread Financial Holdings, Inc. reported $21 billion in assets as of 30 Jun 2026. Its 10,769 complaints in 12 months work out to 507 per $1 billion of those assets. Assets measure the whole institution: one with a large card or consumer-lending business has many more customers per dollar of assets than a commercial or community bank, and its figure will sit higher for that reason alone. The CFPB's own caution: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.”
What are people complaining about?
35% of complaints in the last 12 months are filed under “Debt collection”. The issues selected most often were “Took or threatened to take negative or legal action” (21.1%), “Incorrect information on your report” (21%), “Fees or interest” (11.1%). These are the categories the consumer picks on the CFPB form; the text of complaints is not used on this site.
How does Bread Financial Holdings, Inc. respond to complaints?
61.3% were closed with an explanation, 26.2% with non-monetary relief and 12.2% with monetary relief; 100% of responses were timely (peer median 100%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. The Bureau publishes a complaint after the company responds, confirming a commercial relationship with the consumer, or after 15 days, whichever comes first. A complaint on file is not a finding that the company did anything wrong.
Where do these figures come from?
From the CFPB Consumer Complaint Database bulk file, counted through 30 Sep 2026, using only the coded fields (company, product, issue, state, dates, company response). Company size comes from FDIC, NCUA or HMDA public files where the company appears in one. Company names are shown as the CFPB publishes them.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 30 Sep 2026, complaints received through 30 Sep 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. The company name is shown as the CFPB publishes it. Size measure matched by name to: Comenity Capital Bank; Comenity Bank. Companies can respond to the CFPB about any complaint; errors in this site's processing are fixed at the next daily build. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. See this company's complaints at the CFPB · Methodology · Report an error.