This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade C 10,403 complaints

Bread Financial Holdings, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 53 states, reputation grade C.

Complaints by issue type

What consumers report about Bread Financial Holdings, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record bread-financial-holdings-inc Bread Financial Holdings, Inc.

Grade C · 10,403 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #17 · compose #65

  • VOL 10,403
  • GRADE C
  • 12MO 3,871
  • STATES 53
  • TIMELY 100%
  • DISPUTE 7%
  • ISSUE Attempts to collect debt n…
  • RANK #17
  • COMPOSE #65

Volume peers

Nearest volume peer: Caine & Weiner Company, Inc. (10,398 complaints)

Jpmorgan Chase & Co.Jpmorgan Chase & Co.8,265Caine & Weiner Company, Inc.Caine & Weiner Company, Inc.10,398Bread Financial Holdings, Inc. (this)Bread Financial Holdings, In…10,403ERCERC10,563Citibank, N.a.Citibank, N.a.12,068
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Bread Financial Holdings, Inc.'s 10,403 CFPB complaints sit next to Caine & Weiner Company, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 10,403 complaints break down

Every complaint issue type on record for Bread Financial Holdings, Inc., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
56.3/100
Bread Financial Holdings, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
10,403
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
7%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Bread Financial Holdings, Inc. spreads filings across 53 states - California leads at only 12.0%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
California still leads at 12.0% across 53 states
Seasonal peak
2023-01 11.2%
8–15% band · 25 filings
Corpus ranks
#17 volume
#65 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Bread Financial Holdings, Inc. compare to its peers?

How does Bread Financial Holdings, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Bread Financial Holdings, Inc. National average
Complaints (last 12 mo)lower is better
3,871
4,922
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
7%
18%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Bread Financial Holdings, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 97%98%99%100%101% 5%10%15%20%25% Timely response rate (%) Dispute rate (%) Bread Financial Holdings, Inc. vs. 10 similar-volume peers, by response speed and dispute rate Bread Financial Holdings, Inc.CAINE & WEINER COMPANY, INC.ERCCITIBANK, N.A.JPMORGAN CHASE & CO.SYNCHRONY FINANCIALWELLS FARGO & COMPANYNational Credit Adjusters, LLCConvergent Resources, Inc.BANK OF AMERICA, NATIONAL ASSOCIATIONHW Holding, Inc
Source: CFPB Consumer Complaint Database

Bread Financial Holdings, Inc.'s complaint volume in context

Bread Financial Holdings, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

10,403 Top 1% higher than 100% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Bread Financial Holdings, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2023-01 2025-01

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
3,621
Took or threatened to take negative or legal action
2,794
Communication tactics
1,776
Written notification about debt
923
False statements or representation
795
Threatened to contact someone or share information improperly
396
Cont'd attempts collect debt not owed
35
Electronic communications
29
Disclosure verification of debt
17
Improper contact or sharing of info
10

Where do complaints against Bread Financial Holdings, Inc. come from?

Bread Financial Holdings, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Bread Financial Holdings, Inc.

Across 53 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Bread Financial Holdings, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 10,403.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.98890737659455%.

4 peers

Know your rights before responding to Bread Financial Holdings, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.