Bread Financial Holdings, Inc. credit card complaints at the CFPB
Consumers filed 18,428 credit card complaints against Bread Financial Holdings, Inc. with the Consumer Financial Protection Bureau between 2019 and 2026 — the 9th-largest count among the 36 issuers the card-issuer cross-section covers, and 4.4% of every credit-card complaint in the CFPB’s database for that window. 100.0% of them were answered in a timely way.
Complaints by year
| Year | Complaints | Share of Bread Financial Holdings, Inc. |
|---|---|---|
| 2019 | 1,496 | 8.1% |
| 2020 | 1,502 | 8.2% |
| 2021 | 1,424 | 7.7% |
| 2022 | 2,926 | 15.9% |
| 2023 | 2,953 | 16.0% |
| 2024 | 2,515 | 13.6% |
| 2025 | 3,006 | 16.3% |
| 2026(YTD) | 2,606 | 14.1% |
| 2019–2026 total | 18,428 | 100.0% |
2026 counts run through 2026-09-17 only; the CFPB publishes complaints with a 15-day lag, so recent weeks are still filling in. Against 2025’s 3,006 complaints, 2026 is pacing behind the prior year on a year-to-date basis.
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 8,998 | 48.8% |
| Closed with monetary relief | 6,109 | 33.2% |
| Closed with non-monetary relief | 3,283 | 17.8% |
| In progress | 38 | 0.2% |
The CFPB also records whether the company responded on time: 18,426 timely (100.0%) versus 2 not timely (0.0%).
Source
Every figure on this page was read live on 2026-09-17 from the CFPB public consumer complaint database API (query filtered to company “Bread Financial Holdings, Inc.”, product credit card, complaints received from 2019 onward). The company name is reproduced verbatim from the database; only aggregate counts are shown — no complaint narratives or personal details.