Bread Financial Reviews

I have multiple issues with this institution. 1. My monthly payments were set to $65. All of the sudden they charged me $2,829.94 - the full balance of my loan. This came out of my business checking account and I overdrafted. I called and was promised this was fixed. Several days later I got my money refunded, obviously I was charged a bank fee for this. So time out of my day to fix both their overdraft mistake and the fee that was their fault. Then, after the money had been returned, they charged this same amount to my same account AGAIN!!!! This is after I talked with them on the phone to fix it, after it had already been refunded, I was charged AGAIN. So more overdraft fees. And no money to run my small business.

Worst financial institution ever. Customer service is no help at all. A retail vendor posted a refund to my credit card and BF lost it. No one can answer what happened. Their answer; "We’ll investigate & it could take up to 90 days". Horrible service!

I have banked with a lot of banks, but the service at Bread Financial is the absolute worst. Banking with them is frustrating because they are so bleeping slow, and they rarely reach out to you directly by phone to straighten out an issue. They send hints via their secure message service, where the individual messages that make up a conversation take about a day each, such that it ends up taking about four times longer to do anything there as compared to somewhere else. One of their workers even mistook a withdrawal request for a deposit request even with explicit instructions about how to handle their check writing fee and to whom the check was made payable. If you want control of your money, bank somewhere else. Getting them to handle your banking is more like fighting a battle than simple business. On the up side, maybe A.I. will be used to eliminate the insanely ineffective staff they have there in the near future.

Opened account 2 months ago, couldn't set up account online. Called and after much to do, found out I was already hacked for $1600.00! Got new card, cannot set up online. I have been calling customer service and they keep telling me to call back later because system is down. Most customer service is awful, but this company brings it to New Lows.

Initiated a wire transfer three days ago — funds still have not been credited to my account. Three days for a wire transfer completely defeats the purpose of the service. I manage multiple commercial accounts across several banks, and I have never experienced this kind of delay anywhere else. No proactive communication, no updates, no urgency whatsoever. If you value your time and your money, I would strongly encourage you to look elsewhere. I certainly cannot recommend this institution to any of my colleagues or business associates based on this experience.

Do not EVER get a credit card with this company... You'll NEVER pay it off. Even after I paid it off, closed the account, they kept adding finance fees on top of late fees on top of fees. Then they had the nerve to say they couldn't waive any fees because the account was closed. BUYER BEWARE!! Customer service SUCKS, they will do absolutely nothing for you.

I was trying to purchase furniture from Raymour & Flanigan through my union for a discount. They had recently switched over to Comenity Bank/Bread Financial as their finance company. The representative told me to go online & apply for the financing. I went through the process & received a message to call to verify my identity. I called, but I wasn't getting the texts the customer service representative was trying to send me (This was during a nationwide Verizon outage). She rudely said that it's the only way to verify my identity and time was up. I asked if I could call later & try again also and she said no, this was my only chance.

Wow. What a predatory company. We paid every payment on time. We sent in our final payment and they claimed they never received it. After hiring a lawyer we learned the check had indeed been cashed but 3 months later. So these predators sent us invoices for not only the check but an additional 5 k interest. After we provided the check from the bank we now realized they were trying to not only collect 5 k interest but kept sending an invoice for what we had paid. They claimed it was the POST OFFICE. It doesn’t take 3 months for a letter delivery. So now we are filing a small claims lawsuit. Patricia ** is the patient and my partner.. It's disgusting what he have done.

I had the Sportsman's Warehouse card for 5 years. I paid the total balance off to avoid interest, and online it said my balance was zero. Then they added an $87.00 interest charge. I called them and explained I had paid the card off; they said the interest was from two months ago. Complete nonsense! I immediately closed the card. This bank conducts shady business, and I'd stay away from them. Sportsman's and other retailers should stay away too because their name is tied to these dishonest practices.

This company doesn't deserve ANY stars! This card is used so I can extend my payment terms as allowed by the CC company to purchase my NFL team's tickets. What I run into is they received a payment that is late, claiming it was received via US Mail. My payments are ALL electronic and ALWAYS on time! Once they acknowledge the payment was received correctly on time, I have to fight to get my incorrectly added late fee and interest charges removed.

I paid off my $1600 balance in full -- plus $200 towards the new balance -- in a half dozen payments. They were spread across six days or so at the beginning of March, 2026. I wanted to clear room for further purchases; lock myself into earmarking these funds as they became available to ensure paying off this rather-high balance and obviating any interest charges.

They are deceiving customers with their communication, they twist the language to make you pay more. This company should be closed down and banned. Not applying industry standard rules and regulations.

I made a $72 purchase reduced to $68 for signing up for a Michael’s credit card on Nov. 6. Dec rolls around and I haven’t received my credit card or statement. I look online but I can’t log in without the account number which I don’t have without the card or statement. Come Jan. I see a report for Comenity Bank on my credit report. I search for the customer service number and the agent I speak to says she can’t help without me having the account number, so I’ll have to wait for the new card to make a payment or dispute interest and late fees.

I am writing to express significant concern regarding recent charges applied to my account with Kay Jewelers and Comenity Bank/Bread Financial. Specifically, I was recently subjected to unexpected interest charges. Upon switching to paperless billing, I was not notified that interest would subsequently be applied to the balance throughout the year. As a result, a full year's worth of interest was added to my statement. I am very dissatisfied with this process and the lack of clear communication regarding the financial implications of opting for paperless billing. I request an immediate review of these charges and clarification on how this interest was calculated and applied without prior notification.

Bread Financial denied my application claiming my “internal credit score” is 490, despite my actual credit score being 840. The stated reasons were baffling: too few credit cards, balances that are “too low,” paying cards off in full every month, and a supposedly high percentage of recent credit inquiries even though I haven’t allowed a hard pull in the last three years and my credit is always frozen. In addition to all that, they were out of compliance with their Notice of Credit decision not sent out on time (within the 30 days they should be sending it from the day I started my application), and this was sent to the CFPB to handle.

I would not recommend this card to my worst enemy. I have an 803 credit score and have never been past due in my life. Dealing with customer service is a nightmare. You're talking to reps overseas who you can barely understand. I called to report a fraudulent charge and went back and forth with my wife six times because the account is in her name but I, her husband, takes care of the finances. Een though she told him six times it was ok to talk to me but they insisted to talk to her anyway. Finally I was told it would take 90 days to resolve. A legitimate company like Chase would give you credit right away. I cannot believe a company like AE would be associated with them. I got so upset I had to call my doctor for anxiety medication (I am 76 years old). If something happens to me I instructed my attorney to file a lawsuit.

Bread continues to narrate that card holder’s information doesn’t match their records.

I've had the AAA, Comenity Visa for a little over a year. I got the card for the 5% cashback perk. In that time I accrued over $500 cashback. This sounds nice until you encounter their byzantine redemption process. By byzantine I really mean impossible. I've tried both of their website's redeem options and neither works. Then I called their help number and encountered a foreigner with a thick, rapid fire accent that I could barely understand. After a couple of futile minutes trying to get him to understand the words 'cashback' and 'redeem', I gave up. I then emailed them and all I got was a boilerplate response detailing the process I'd just attempted. That's where things now stand. I've already wasted more time on this issue than is worth $500. I'm washing my hands of Comenity and AAA.

If I could give -10, I would. This company has randomly reduced my credit limits without warning to $100 from having a $1000 limit or more. This is the only credit card company that does this out of all the companies I use. Once it reaches $100, they just close the account. I am working on paying off the ones I have left and will close them. These are stores I shop at, but I will just use my Capital One or Chase card instead because they do not mistreat customers like this company.

Horrible Company, stay clear! Unfortunately I got suckered into this Credit card and their Customer Service is a nightmare of 0 compassion. They raise your credit availability then suspend your card.

Condescending Crooks! Made up a fraudulent late charge to ensure there was a balance at the end of the promotional period to ensure there was a balance that triggered over $1000 in interest due. Then with an unknown balance I did not receive a notice until an email showed up saying that they had reported me to collections that will negatively affect my almost 800 credit score. Unprofessional! Condescending! Rude! And almost proud of it!!!!

I had a AAA Signature Card through Comenity Bank owned by Bread Financial. By far the worst experience with a credit card company. There were multiple instances of a complete lack of customer service and support. I asked to close the account, but it took me awhile to remember everything it was set up to autopay. I thought I had paid it in full when one last charge of $21.71 came through. Once that account was fixed, I was ready to pay in full and close it out. There were 22 cents in rewards left on the account. With this card like every other, I put the rewards against my balance in order to pay less. I tried several times to redeem the rewards so I could pay in full the balance of $21.49.

Be aware of crook online banks!? I transferred cash from my Wells Fargo bank to my new savings at Bread savings to open a CD with it. But when I went to use my cash transfer to my savings account at Bread financial, I was told the cash is on hold for 10 business days! Why cash transfer from Wells Fargo to Bread savings bank would have to be on hold for 10 days when the Braad financial already has over $79000 in my CD!? I think they want to offer higher cd rate to pull your money in the freeze it until the rate changes so they do not honor their cd rate!? Bait & switch!? Very dishonest tactics. BE aware of the online crook banks!? Very unfair to consumers!? Dave

The AP and Billing is all done by a bank. I was sent a bill, paid in full what was on the bill and swore to NEVER use a Michaels credit card again. Between the time I paid the bill online live with the bank somehow an additional $2.00 was charged or so they say. Then the late fee nightmare began. The $2.00 turned into $40 something dollars and God only know what it's up to now. They are completely inflexible. It's their mistake not mine a computer issue or whatever... DO NOT EVER GET A MICHAELS CREDIT CARD!! I will refuse to pay and let it stay in collections. I hope to repost this daily to warn as many people as possible.

I got the Bread Cashback card for the 2% but recently decided it's just not worth it. Customer service is awful and run outside the US, Many times I can't understand the person on the other end and a few times I have been flat out lied to. I had a dispute that took 3 months to get resolved and still after being told I won the dispute I still don't have the over $500 credit in my account. I will use the credit as a purchase for travel and then close the account. The App is limited in its functions so there is no way to communicate for assistance without the phone call into a terrible automated system and non-English speaking agents. Terrible - Stay away!

Horrible credit card practices. Caesars Rewards Visa cannot even be used at all for over a week if you pay a payment more than 50% of your credit limit. The rules are unlike any other credit card I have.

Horrible, stay away. How can an American financial institution do business when not one person can speak English. Every time I go to speak with a representative, I either get some Indian country or get disconnected.

This company lacks integrity. They closed my account without my knowledge and then demanded that I paid the balance after stating that a credit reporting agency told them my account was being reported as fraudulent. Which was a lie, I contacted all the reporting agencies which they denied it would have to come from them. Then once I submitted a complaint to the CFPB they claimed that they can close anyone's account without warning according to their small print. I never signed up for them. I signed up for Capital One through Saks. Saks hired this company being cheap and they took over their accounts which they are doing a terrible job. I had a $4500 credit limit and now they have ruined my reputation. It's going on 5 months now and I am still fighting and challenging this issue. Do not get a cc with Bread Financial aka Comenity Bank. Terrible company.

Extremely Disappointed with Bread Rewards Customer Service. I have been a responsible cardholder with Bread Rewards for a long time — never missed a payment, and I consistently pay well above the minimum due. Despite this strong track record, I was recently charged a $30 late fee, which was both unexpected and frustrating. When I contacted customer service to dispute the charge, I was offered a one-time courtesy of just $15 — not even the full amount. I asked to speak with a manager, thinking they might recognize my loyalty and history. Unfortunately, the experience only worsened. The manager was dismissive, patronizing, and repeatedly used phrases like, "I'm sorry you're feeling this way," which felt more like a script than genuine support.

Ever since Comenity changed to Bread Financial you can no longer make payments through the apps on your phone without it telling you that your credentials don't match. This needs to be addressed immediately.

Do not trust any agreements that this Bread Financial (Comenity NFL Card) makes to you. They renege on agreements that you make with them, and are not willing to work with you. Sarah the supervisor in the collection department was rude and unprofessional. I admit that I was irritated after she was not even willing to listen to why I was upset. I was accused of using foul language with I never did and then she hung up on me. I am also in customer service in a supervisory role and have never been treated with such disrespect. I have closed all my account with Comenity and will never do business with them again in the future. I would advise anyone else considering them to seek other options.

Academy sports credit card.. great savings but whether you make payments in store or online or set up auto payments this Bread Financial/Comenity Bank always comes up with an excuse for late payments and add late fees. Just paid 106$ for 3 months of late fees with last purchased paid off 10 days after purchase.

I have had this American Express cash back card for 4 months and there is pending charges that should have fallen off a month ago! The merchant released the hold the same day but yet Bread Financial will not remove the charges! Are you fricken kidding me! Wow 😮 2nd of all I have cash rewards saved up and wanted to redeem some. The only way you can redeem rewards is a statement credit but if you're last statement balance was $15 that's all you can use ? So if you had a $200 statement balance then you can use $200 but they leave that on there all month long so if you owe $100 but the last statement balance was $10 you can only use $10 even if you have $300 in rewards banked up! What a fricken racket they got going on! So I requested a direct deposit into my bank account and they said no problem and it will take 7-10 days!

Every card account that I have is impossible to log into. I have to turn my WiFi off, I've had to change my password over and over until I tried turning my WiFi off at home on a secure Wi-Fi. Today I've done all that and still it tells me the info is wrong, when it is 100% correct info. I'm sick of it. I'm not going to make blind payments and not be able to review my account.

Bread Financial is the company that handles the credit cards for two different businesses. The first is a pet company and the second is a shoe company. Well, the shoe company received the credit and did credit my account; however, the amount fell short by 71 cents. For two month, I was charged $35 late which equals $70 plus the 71 cents. Now the pet company, I've been trying for weeks to access my account as far as choosing a new password and nothing seems to be working. One agent said it would take 48 hours for the new password to populate. Another agent said it would take 10 business days. Worst of all, the new password showed up on the sign in of the shoe company.

Comenity charged me recurring $30 late fees and interest on a Bread Cashback® Amex that showed a $0 balance—no purchases, no warning, just silent billing. They have over 500 one-star reviews on BBB describing identical abusive fee patterns: **. It gets worse—they faced an FDIC settlement resulting in a $53 million refund, and multiple lawsuits for deceptive and abusive charges: **. When I asked them to reverse the fees, they denied it. This is predatory billing, not customer service. Stay away.

The worst, horrible...I had no idea I was being charged 35% interest as I never got a statement. It is IMPOSSIBLE to call them as every number you get is wrong or disconnected. That cannot find your account and continue to charge you. The people you speak have no authority to do anything but take a payment and say is there anything else I can do when they do nothing. Horrible, I cannot even pay it off because they still want more interest after.

I had my Victoria Secret card for almost 20 years. I didn’t use my card for about a year due to a female-related illness- no point in buying underwear just for it to be ruined. I’m in remission and went to buy all new underwear. When I tried to pay I found my card had been cancelled for inactivity?!?! I had even called to request, and received, a new card a few weeks earlier. No warning, or any notification the account was subject to being closed. I tried to call customer service for help. They require you to enter your card number. I couldn’t get beyond the prompts for assistance because when I entered my account, I would get an automated message my account was closed and they’d hang up. Very frustrating and disappointing.

Stay Away — This Company is a Scam! I opened a Kay Jewelers Card through Financial Bread and was lured in by their promotion of "no interest for 18 months." What they don’t tell you up front is that the interest is deferred, not waived — meaning if you don’t pay off the entire balance by the end of 18 months, they hit you with all of the accumulated interest from day one! No one ever clearly explained this to me when I opened the account. To make matters worse, they conveniently enrolled me in paperless billing without my consent, so I never saw a physical statement that might have warned me about these terms. This feels like a deliberate trap to mislead customers. I strongly urge others to avoid this card and this company. There are far more honest financing options out there.

The Woman Within credit card is absolutely awful! They charge $3 a month and if you are late, even just a few days they will put it on Experion and Transunion as a delinquent account, even placing that mess on the same day as you make a payment!! When calling the credit card company they'll tell you they fixed it ... but check again because they probably didn't change anything on your account and leaving that crap on your credit score, even when they promised to take it off. Woman within credit card is now canceled. I will not deal with that mess ever again and now will never shop that store either. If anyone has these issues with them dispute your issue with each credit company, transunion and esperion. The credit reporting companies will fix it with the dispute. I'll never deal with or shop woman within ever again! Absolutely a scam!