Bread Financial Reviews

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!

This bank gets RAVING Reviews. Let me give you the skinny! A bank is a bank is a bank. They will give you the runaround to close a CD and transfer your funds. Every time you want to close a CD, you have to contact Bread Financial. You cannot Close your CD without contacting customer service. They asked me what I am going to do with my funds and gave me a sales pitch to renew my CD. I’m looking for the best CD rates and Bread Financial is trying to sell me their excellent ONLINE customer service department. I’m a very busy person and do not want a Personal Relationship with my bank.

To be clear. I am 50 years old and have a 850 credit score. I have never experienced such a unprofessional company and customer service in my life. I only buy my NFL season tickets with them because the team offers special financing. My payment was due on a weekend and sent it prior to the due date. They posted my payment after the due date and tell me they will not reverse a 30 late charge? Only can refund $15?? Are they serious! After the call today, I am paying my balance and closing the account. Useless company and predatory lender. Just Google the company and reviews. How with all these complaints has this agency not investigated this company. They are purposely charging clients unmarried fees.

Lure you with high rates but make it impossible to access your money. Suspends acct if you make withdrawals. Send emails (I'm overseas) which they don't even read. Received only form letters to call THEM.

Comenity never sent my credit card on the mail and never send me a statement, but they wanted me to pay fees and kept asking for my card number when I had no credit card and waited for it for 2 months. I spoke to someone at Comenity bank. She promised me to waive the fees, but never did. They kept charging me fees every month. Horrible customer service. I’m considering in suing them.

I had Triple A cc for years, they switched to Bread Financial, I pay my bill in full every month, however I missed a payment between January and February, they charged me 30.00 late fee and 5.00 interest. I asked them for an adjustment, they said they couldn't give me a full adjustment, I asked why. They just don't. I explained my children's dad was diagnosed with pancreatic cancer and it was a horrible January and February, he passed February 19th, he was diagnosed in January. I am still devastated, I also was late on one other card and they adjusted everything and were very understanding and sincere.

I received an offer from Bread for a pre-approved Amex. I accepted. Upon arrival, I activated the card and attempted to use it for a small (>$50) online purchase and enter it into Google Pay. The card was immediately flagged for "suspicious activity". I called their Customer Service, and went through various verification questions ... until we arrived at telephone number. Apparently, they had added an old cell number that I no longer have access to (haven't had for years, actually). This caused my case to "escalate". I then told them I would just like to cancel the card. I don't actually need it, and it wasn't worth the trouble. There is no balance on it, there are no pending charges, there are no fees ... absolutely nothing had ever been done with this card as it was the very first transaction ever attempted, and just 20 minutes after activation. I was told I had to wait to receive a letter.

STAY AWAY!!!! I am a customer of Dell who used to have Dell Financial services to support and now I guess Bread Financial has taken over (not for the better). Very poor customer service, the services team is obviously offshore in India, had a call today and it is very obvious they are reading a canned script for any question I have. Not very helpful!!!! I was trying to reverse a $30 late fee as a courtesy (been with Dell for over 10 years, never been late on a payment and was only late because of the 5PM EST time deadline with me being on the West Coast) but they kept insisting on just $15 as a courtesy reversal.

Bread Financial has very poor online support - customer reps unable to support web site. Unable to access account without reopening another user and password and other account data - information they already have.

Stay away! Once they have your money they have so many rules and fees it is a total headache trying to get it back. The little bit of higher interest is not worth it, go to another bank to do your business. The customer service is worthless.

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.