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Bread Financial (Bread Savings) complaints

10,713 complaints in the last 12 months · trend ▲ 30.3% (last 12 mo 10,713 vs prior 12 mo 8,219) · timely response 100.0% (last 36 mo)

Complaints per year

• 20203,090
• 20214,031
• 20225,349
• 20235,964
• 20246,074
• 20259,401
• 2026*8,100

*2026 is year-to-date through 2026-10-12.

Top issues (last 36 months, 24,692 complaints)

• Incorrect information on your report5,246 (21%)
• Fees or interest2,791 (11%)
• Took or threatened to take negative or legal action2,760 (11%)
• Improper use of your report2,450 (10%)
• Problem with a company's investigation into an existing problem2,173 (9%)

Products

• Credit reporting or other personal consumer reports8,930
• Credit card8,897
• Debt collection6,403
• Payday loan, title loan, personal loan, or advance loan224

How the company responded

• Closed with explanation14,065
• Closed with non-monetary relief6,823
• Closed with monetary relief3,782
• In progress22

Insurance / charter status

FDIC-insured: Comenity Capital Bank (cert 57570, active; deposits $11.0B as of 06/30/2026)

CFPB company name(s): Bread Financial Holdings, Inc.. Brands: Bread Savings. Data as of 2026-10-12. See it in the CFPB database ↗

CFPB: complaints are not verified and are not a statistical sample; counts track company size and product mix. Per-$1B-deposit rates divide last-12-month complaints by FDIC-reported domestic deposits of the mapped bank, and the CFPB entity can include non-bank products.

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FAQ

How many complaints does Bread Financial (Bread Savings) get?

10,713 CFPB complaints in the 12 months to 2026-10-12.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.