Bread Financial Reviews

Every time I pay my Maurices Credit Card online it takes a week for the money to be removed from my account. It looks to be paid but then days later it tries to take it out and I get charged a service fee. The company need to figure out a way to get the money out of its customer's account in a timely manner. This is 2025. This is the only credit card and bill I have that is still in 1990. I feel like this done to mess their customer's account up and get to charge service fees. Very disappointed. Once I have paid this card off. I am closing my account.

If your dentist tries to get you to sign up for a third party payment plan with the promise of "no interest" do not believe them!!! It is a deferred interest plan that starts on the day you sign up for the card. If you don't pay the full amount before the end of the plan they will hit you with all the interest in one bill. We have had to call them over 30 times due to the Smile Spa of North Jersey LLC opening a credit card fraudulently and then charging $13,200 to the card with no proof of work that equals that amount.

BUYER BEWARE**** DO Not get caught up in getting this credit card or having any ties with this company. They will price gauge you with high interest higher than your balance due. They are taking advantage of the consumer. I am filing a complaint with the BBB against them. Never missed a payment, never late and losing my mother overnight and due to not logging into the system for 1 day you want to add $414 interest on my balance. When calling to pay the full balance and asked them to remove the interest charge due to the death in the family no regards at all. They are scamming people for high fees with no compassion for the consumer. PLEASE save yourself the headaches and don't get caught up in the same mess as myself.

I have good credit history, only use the credit card due 0% interests' incentive, but I keep paying it for a long time, only see the amount is increasing. I was not notified for late payments for $40 and $30, interest increase, only see a lot of junk promotions. I wrote a letter to them, was told to call the rep with bad attitude and accents, no refund, no wave of any fees. They got me into trouble that I have to close it a few times. Then they told me I owe them over $7k for a purchase worth much less and could not return. They told me, I was accrued interests after close it.

Lexus Pursuit Signature CC. This company manages the Lexus Pursuit Signature Visa Card. FORGET IT! They are the ABSOLUTE WORST. The customer service is beyond incompetent, rude and just plain checked out. Brand new card that I can't get to register. 11 phone calls, transferred twice to the "IT" department... They don't have one. AND no one cares. They get a negative one million from me.

Worst Credit Card Experience Ever. I have had a very disappointing experience with this credit card. The customer service is incredibly poor, and there seems to be no difference between this service and regular, unhelpful customer support. Their website is unnecessarily complicated, making it difficult to manage my account. I made my final payment on the due date, but they processed it two days late and charged me a fee. Two months later, I received a call stating that I still owed $121 due to late fees, which was frustrating given that I had paid on time.

Extremely poor and disappointing experience w/ Bread Financial and Comenity. I've been a customer of Bread Financial for more than 2 years and they have turned out to be one of the biggest mistakes that I've made in my entire life. They are a predator in the market, looking to impose penalties and extremely high interest rates on unsuspecting customers that fall for the "buy now / pay later" trick. One of the worst examples of American Greed at its worst. Making hundreds of millions (even billions) from fees, interest and penalties, while offering no actual "product". Just clicking the mouse and shifting money from your bank to theirs. Don't be a sucker. Steer clear of this company!

Dirtbag company. Terrible rates. Paid off the few hundred dollars I had on card. Couple months later I get a nasty gram that I owe $25 for annual fee I overlooked, 30 days later. Had thought I was zero balance. Called as soon as I got the letter and paid it then and there. But these ** made sure they kept that late ding on my credit for no lie coming up on 7 years just because they can. Luckily I have very good credit despite them. And will never make the mistake of using any of Bread’s companies again. Even when I was younger and not careful with credit and a creditor could have legitimately trashed my credit, they worked with me because I called and tried to work with them. Not these jerks. Steer clear.

This is the second time I've called Bread customer service over the past two years. Each time I'm left feeling dissatisfied & with unresolved issues. Due to a language barrier, the customer service rep couldn't understand my concerns. I received a lot of "I don't knows, and wait & sees." Absolutely worthless service.

I was charged a 41 dollar late fee for being a half an hour late 'cause I didn't realize cut off time was 5pm Eastern. I was thinking of my time zone which is Central. First lady said they would take the fee off then I found out they only take off 15.00 and still charge me the rest! Don't get this card!

I was loyal customer, and enjoyed shopping at Boscov's in Plymouth Meeting in PA. I always paid my bill in full (most of the time). If you miss the deadline to pay even by minutes your were charged a late fee by Comenity Bank. Then they changed the time of deadline from 6pm -to-5pm. Got me again. I closed my account. They sent me a letter stating bal was paid in full. Then they contacted me stating I owed a late fee - the the next month another fee then late fee on late fees on a closed acc. They then added that to my credit report on close acc. My score dropped 75 points. I filed a complaint with Attorney General office in PA and Federal Consumer Protection - Do NOT OPEN A CREDIT WITH BOSCOV's. Comenity is a corrupt bank trying to collect late fees for profit - typical financial predator.

I was lured in by an offer of $200 off spending $1000 in the mail- I only applied because it was connected to other Amex. Oh boy I regret it now. Huge scammers, I had automatic payments on and they found a way to charge me interest and REFUSE to refund me the $12 interest even though it’s their fault. I have a 822 credit score. They have made the wrong person angry. Everyone please for your peace of mind get any other card but this one, I am completely convinced this is a scam company. They will lower your score and steal your money. I can’t believe they are still in business. Can someone shut them down please?! I’m calling my platinum amex card to complain too- a stain on Amex’s name dear god.

This is card is a Scam. They have sent me a pre approval and when I applied it got approved and they sent me a Card which is blocked. The funny part is it gets activated but card is blocked and I want to close this scam immediately, but they are not closing it. I am trying to find out a way to report this SCAM to an Ombudsman.

Dissatisfied with Comenity/Academy Sports. Have had this account since 2019 with no lates. I barely use the card and when I do, I immediately pay off. I originally set up automatic draft to account so it would never be late. When I recently paid off a balance of $97 dollars, they charged me a late fee. I contacted their CSM by name of Ariel and she assured me the fee would be removed because of the error on their part. She promised me it would be credited and bring my account to a 0 balance. It’s a crying shame when people who are working for a company, are getting paid to do nothing.

They told me I'd be receiving my Platinum card in 10 days, I got it 5 months later. They put Freeze on my card without justification and reopened it a month later! I believe the entire SOP system is bad. That's why they have so many lawsuits against them.

I had a Dell Financial account for over 20 years. They switched to this company and I have serious issues. Set up automatic payments in June 2024. It is now September 2024 and they still have not taken payments properly from my account and have stated that it can *take up to 2-3 months* for automatic payments to process properly. I call and the reps state that I can be 'rest assured' my payment will go through, but it's three business days after it should have been processed. The whole point of setting automatic payments is to ensure timely payments in the first place. I should not have to call to chase a bank to do its job or MAKE PAYMENTS OVER THE PHONE when I have automatic payments set up. Absolutely absurd.

Credit card is a scam. The first bill I received said that I was late paying so there was a late payment plus interest. Then when I said I wanted to pay it off in full and to close the account they added another months interest. So they got 6$ in interest and a 35$ late charge on a 22$ charge. Never shopping there again. Their stuff is garbage anyway. They are thieves.

Used my Bread Rewards credit card for a purchase. This purchase was never received nor refunded. Contacted Bread Rewards customer service, which was a complete circus being transferred back-and-forth between fraud and disputes. After about six months of no help and being told it was not a fraud case, finally had to get a lawyer involved. It has been over a year since the transaction which I still have to pay on my credit card. Worst credit card ever. Would not recommend it. Customer service is terrible.

They like to charge late fees even though an autopay is set up that pays the balance in full! Then they ask to confirm information that you already entered and is clearly visible on your account, as if you never entered that information prior. Stay away!

Purchased hearing aids on 5/28/24; refinanced with another bank because of the high interest rate that Comenity was charging. Called for pay off several times and the new bank even called for payoff. Payment was sent on 6/25/24. Interest charges of $87.73 were charged on 7/2/24 after account was paid in full. After not receiving disputing the charges and no help from customer service, we reluctantly paid the $87.73 so they would not ruin our credit. That payment was on 7/25/24 - the due date! On 8/2/24, they billed us another $3.00 for minimum interest charges. How many times do we have to pay off this scam of a "HealthiPlan"?????

I keep seeing all the bad reviews for the (Bread Company/Comenity). Why doesn't people go to their Attorney General and the Better Business Bureau to start an investigation into the practices of this company. We have consumer protections set up here in the United States and everyone needs to use these protections. This is going to ruin the businesses that are associated with this company if they continue to use them, sometimes they don't care sometimes they want to have good customer service. Everyone NEEDS to get their attention. I called them and did not have a good result and am no longer using the card. Just paying it off.

Bad communication resulted in over $350 in interest charged when a promotion came to an end. They buried the end date on the bills they sent, and they did not notify me specifically (like other banks do) that the promotion was about to expire. This was very deceptive. I paid the entire balance, but that extra $350 will cost them thousands in potential future sales. This "bank" operates questionably, and there are many reviews to support this. They will lose business for using such practices. I hope that $350 was worth losing a customer forever because this will be the last money I spend with them.

I opened a Catherine's credit card in March, I used it and paid the bill with no problems. I used it in May, paid the bill in June third, payment didn't go through, made another payment with the automated. Payment was accepted. Said routing number was incorrect. I looked at my transactions and found a $30 return check charge. Talk to them about it and they would not remove $30.00 check charge. Even though the payment issue was on their end and told them I would no longer use their credit card. Talked with my bank and found they never even attempted the first payment, close the account and will no longer shop with their department. This unhealthy, as they are now going to lose my business and I'm a very loyal shopper. Just poor service from them.

These people on this credit card are the most thieving people that can exist, I had a balance in which I paid everything I owed on time, then when I went to see my bill, it had a late charge of 30 dollars and I am 100% sure I paid it on time, then when I call to complain they tell me that I didn't pay the full bill last month, that they could only give me 15 dollars as a courtesy, thieves people, don't get this credit card, the only thing that they know is scam people.

Liars and crooks! I paid my balance off on 12/31/2023. Over the next 5 months I was charged late fees and interest on those late fees. I called each month to resolve the issue and was told it was taken care of but it wasn't. I ended up having to pay 3 late fees and interest charges just to close the account and be done with these criminals. Never again!

I would like to share my experience with this company. Comenity Bank if I am not mistaken offers The Children's Place Reward Card. This is a horrible company with no empathy for customers. On several occasions I was charged a late fee of 30.00 due to certain circumstances. The most recent issues was I forgot to pay on the 1st of May due to death of a friend and I was charged $30.00 late fee. You would think they would have a grace period for paying but they don't. Once I pay this card off I will throw it away and warn others not to get any cards offered by Comenity Bank!!!!

The WORST customer service experience since they changed from Comenity. They are extremely unknowledgeable and not sure how or what to say for a response to where you have to say hello making sure they're still there. One rep hanged up the phone. No longer able to download your statement if you have 0 balance therefore must call to receive statement information on letterhead. Hope my mortgage lender accepts it. Looking forward to close account so that my credit score will go down from 792 so DONE with this bread company.

This is the worst experience with having a store credit card. Not even one star ⭐️. Zero stars. The company has no compassion or care for customers. I was a perfect paying client and at my first and only oversight they had no mercy at all. They could not care for a second for circumstances or reasons. The penalty was implemented period. I have closed the card and will never ever recommend this store to anyone!

Have an Ulta Bread Card and I realized my payment was due that day at 8:00PM, so I went to go pay it. Turns out, it's considered late at 5:00PM. I did not realize this. I have never paid late. I have great credit and I asked for them to waive the late fee. (I paid literally 3 hours late). They waived $15. While I understand they don't have to waive anything, I didn't understand why they'd waive $15, but not $30 as a one time courtesy. They told me that my account was only eligible for $15 waive, and now I'm no longer eligible for any waived fees.

Stay away from this company! I have been trying to get a letter from Bread Rewards stating that my wife has been removed from my account as an authorized user. This nightmare started on 4/2/24, I called customer service and explained my situation to them and was told that the letter would be emailed to my account and all I needed to do was sign in and the letter would be there. The letter was not there and a couple of days later I called back and was told the same thing. I sign in to my account and nothing was there. So I sent an email to them stating what I needed and why, they responded back informing me that the letter would be mailed and it would take 2 weeks. Still no letter. I called again and this time I spoke with a manager and explained to him what I needed and why, and this time I asked him to fax it; he reassured me that I would receive it and if I didn’t to call him back, he gave me his name and contact information.