Total CFPB complaints
9,015
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 9,015 complaints
Bread Financial Holdings, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 53 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Bread Financial Holdings, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
3,187 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
1,652 complaints
- Communication tactics
Communication tactics
1,590 complaints
- Written notification about debt 804
Written notification about debt
804 complaints
- False statements or representation 663
False statements or representation
663 complaints
- Threatened to contact someone or share information improperly 326
Threatened to contact someone or share information improperly
326 complaints
D
Grade D · 58.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Bread Financial Holdings, Inc.?
Bread Financial Holdings, Inc. has accumulated 9,015 total CFPB complaints across 53 states, with 2,923 filed in the most recent 12 months against 6,092 historical complaints before that window. The trailing-12-month volume represents 32.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 7% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 53 states, led by California with 1,019 and Florida with 915, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.4/100 places Bread Financial Holdings, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
2,923
32.4% of total history
Rising ↑
States active
53
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
7%
After company response
Reputation grade
D
58.4/100 composite
Response-quality profile
How Bread Financial Holdings, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 14.1%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 94.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Bread Financial Holdings, Inc. compare to its peers?
Bread Financial Holdin… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action1,652 (%)
Attempts to collect debt not owed3,187 (%)
Communication tactics1,590 (%)
False statements or representation663 (%)
Written notification about debt804 (%)
Threatened to contact someone or share information improperly326 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1,652 |
| Attempts to collect debt not owed | Debt is not yours | 1,531 |
| Communication tactics | Frequent or repeated calls | 1,324 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1,077 |
| False statements or representation | Attempted to collect wrong amount | 663 |
| Written notification about debt | Didn't receive enough information to verify debt | 605 |
| Attempts to collect debt not owed | Debt was paid | 579 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 326 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 266 |
| Written notification about debt | Didn't receive notice of right to dispute | 199 |
Where do complaints against Bread Financial Holdings, Inc. come from?
The states where consumers have filed the most CFPB complaints against Bread Financial Holdings, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Bread Financial Holdings, Inc.
Across 53 states with at least one filing
- California
California
1,019 complaints
- Florida
Florida
915 complaints
- Texas
Texas
858 complaints
- New York
New York
570 complaints
- Georgia
Georgia
557 complaints
- North Carolina
North Carolina
449 complaints
- Pennsylvania 387
Pennsylvania
387 complaints
- Illinois 365
Illinois
365 complaints
Frequently Asked Questions
What is the most common complaint against Bread Financial Holdings, Inc.? ▼
The most common issue consumers report about Bread Financial Holdings, Inc. is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 9,015 complaints filed with the CFPB.
Are complaints against Bread Financial Holdings, Inc. increasing or decreasing? ▼
Complaints against Bread Financial Holdings, Inc. are rising. The company received 2,923 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Bread Financial Holdings, Inc.'s reputation grade? ▼
Bread Financial Holdings, Inc. has a reputation grade of D (score: 58.4/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Bread Financial Holdings, Inc. respond to consumer complaints? ▼
Bread Financial Holdings, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 7% of cases.
In how many states does Bread Financial Holdings, Inc. operate? ▼
Bread Financial Holdings, Inc. has received CFPB complaints from consumers in 53 states, with the most complaints from California (1,019 complaints).
What can I do if Bread Financial Holdings, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Bread Financial Holdings, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |