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Contact Bread Financial Customer Service

Bread Financial Phone Numbers and Emails

Toll-Free Number:

  • (888) 819-1918
    TDD/TTY Comenity Capital Bank Customers
Call customer service
Send Message

Customer Service:

  • (800) 220-1181
    Comenity Bank Customers
  • (888) 332-4728
    Comenity Bank/Comenity Capital Bank
  • (877) 287-5012
    Comenity Capital Bank Customers
  • (214) 494-3507
    Ethics Office
  • (800) 695-1788
    TDD/TTY Comenity Bank Customers
  • (855) 796-9632
  • (866) 423-1097

Report Fraud:

  • (844) 992-7323
    For Bread Payment Accounts
  • (833) 755-4354
    For Bread Savings Accounts

Accounting/ Billing:

  • (855) 463-0222

Bread Financial Emails:

Accounting/ Billing
Bread Payments Customers
Customer Service
Community Relations, Ethics Office
Investors/ Franchising
Legal
Privacy Inquiries
Is this your business?

Bread Financial Customer Service Overview

The aggregated data is based on calls made from PissedConsumer.com website and questionnaires provided by PissedConsumer.com users.

  • Bread Financial Customer Service is rated at 1.5 out of 5. Consumers who contact the company are mostly dissatisfied. More commonly used way of contact is by phone.

    Source Distribution
    87% phone 13% email
  • The best phone number to call Bread Financial is 8888191918. 60% of consumers used this number to address their issues and concerns.

  • The longest wait times are on Friday, while the shortest are on Sunday. The average call time is 2 minutes.

  • Be prepared for the call as Bread Financial may ask you for the following information to identify you as a customer: nothing or social security number.

View full overview ›

How to Contact Bread Financial Customer Service?

Most Popular Number:

(888) 819-1918
TDD/TTY Comenity Capital Bank Customers
Total calls: 145 Issues resolved: 4 Last call: Nov 16, 2025

The toll-free telephone number of the Comenity Capital Bank is 888 819 1918. The Bread Financial customer service phone number provides clients with assistance and support via the line. Comenity Bank customers can reach assistance using the support number 800 220 1181. The ethics office of the company operates the number 214 494 3507. To report the fraud you have to call 844 992 7323. For accounting and billing issues you can communicate to 855 463 0222. The support line is the method to talk directly with the customer care department specialists and receive information or instructions during the conversation.

Bread Financial email address of the support team is communityrelations@breadfinancial.com. Whether you have some questions related to corporate ethics, use the email box corporateethics@breadfinancial.com. For accounting and billing issues you can address them at support@breadfinancial.com. Investor and franchising inquiries are sent to the investorrelations@breadfinancial.com. You can create a letter with the problem details and send it to the email address. Describe the peculiarities of the problem and attach relevant documents to show the full situation of your difficulties. The Bread Financial contact team regards the requests on the first come order and provides the responses within 5-7 days.

Bread Financial address is 3095 Loyalty Circle Columbus, Ohio 43219 United States. The Bread Financial headquarters office is the place where the governing decisions and steps towards improvement of the quality of the service are taken. To communicate with the departments from the company offices, use the mailing addresses of the Comenity Bank: Box 183003 Columbus, OH 43218 or Comenity Capital: Box 182273 Columbus, OH 43218.

Bread Financial hours are Monday through Sunday from 8 a.m. to 8 p.m. ET. The operation time of the Bread Financial customer service differs during the national holidays. To check the information about future changes, turn to the Bread Financial live chat at the bottom of the website.

PissedConsumer Club

Contact Information

Bread Financial Website:

Bread Financial Help Center:

Corporate Office Address:

Bread Financial Holdings, Inc.
3095 Loyalty Circle
Columbus, Ohio 43219
United States

Other Info (opening hours):

Mailing Addresses:

Comenity Bank

P.O. Box 183003

Columbus, OH 43218


Comenity Capital

P.O. Box 182273

Columbus, OH 43218


Bread Savings

P.O. Box 182084

Columbus, OH 43218

More contact details

Bread Financial Customer Service Reviews

1.5 / 5
Poor
DonnaMarie V Yhh
Forced to pay late fee
stars-rating stars-rating stars-rating stars-rating stars-rating
1.0

I opened a Michael's Store card because we were making a large purchase. I knew I was going to pay it all off in one payment, so instead of setting up an online account, I mailed a check from Buffalo, NY, 8 mail days ahead of the due date and put it in their computerized envelope with their statement form.

It was going to Texas, which I can drive to in 2-3 days; but they are telling me it took 2 weeks and charged me a late fee of $30 and a $2.95 'paper statement' fee. I call *** - no way was it late! Two customer service people I spoke to could not be more unhelpful or dull, and the supervisor even told me not to bother asking for a manager since the most they can do is offer $15 off the fee. And if I don't pay it by the November due date, the late fee increases to $41!

And the interest rate will increase! The government needs to step in and stop these types of actions. Charging me for a paper statement - how did they expect me to know where to pay it? I will reluctantly pay this cr*p fee, but I am also reporting it to my state AG and Ohio AG offices.

Why this bank is in Ohio but payments go to TX is a mystery, too. Watch your backs, consumers!

Sneaky practices to rake in even more $$$$ from your wallets. As soon as my account is zero, the card will happily be cut in half.

Merritt Hae
No help
stars-rating stars-rating stars-rating stars-rating stars-rating
1.0

Sent a letter to Comenity requesting for a GOODWILL Deletion on my Academy credit card. I spoke to Academy customer service Supervisor and I was instructed to write this letter.

As of today, I have not heard from Comenity. I have tried numerous times, but to no avail.

Tyson R Zrg
They are relentless
stars-rating stars-rating stars-rating stars-rating stars-rating
2.0

Comenity bank needs to understand im going thru a financial hardship and they keep trying to push a check thru after putting a stop to the check the first time. It's not there fault that my wife and I are in big time debt right now. Thank You

Christen Imb
Took full payment out of my account; was set up for 0 percent monthly payments
stars-rating stars-rating stars-rating stars-rating stars-rating
1.0

Withdrew full amount to repay credit card. Was set up for monthly zero percent interest payments.

One payment already made. Asked for payment to be reviewed and all customer service supervisor Michele ID1305 could say was I had to contact my bank to get proof I hadn't stopped payment, have them write and fax a letter to Comenity/Bread Financial. Then it would take 21 days. Very uncaring and anything but customer oriented!

Horrible! Supervisor needs training!

How Good is Bread Financial's Customer Service?

Tadarius Eby
Tadarius Eby
Feels Disappointed | Mar 23, 2024

Too hard to get in touch with someone live to talk to them

Read full quote
Denise A Mwq
Denise A Mwq
Feels Disappointed | Jan 06, 2023

Lackluster at best. Would not recommend this business to anyone especially due to their payment requirements.

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Jizzle W
Jizzle W
Feels Disappointed | Oct 11, 2022

Terrible feedback

Read full quote

Summary of Bread Financial Customer Service Calls

480 TOTAL
CALLS
01:39 AVG CALL
DURATION
15% ISSUES
RESOLVED

Top Reasons of Customers Calls

Consumers Call the Most From

Why Do People Call Bread Financial?

Payments and Charges Question:

  • “Payment”
  • “Charges on account that I've never used but once when I opened at Michael's in Columbia SC. Never received Card so can't give you anything but last 4 digis Starry B Ogle last 4 digits of Card8333. Again, I paid my Acct off when I received 1st Stay”
  • “Down payment made then merchant Walmart cancelled the online order. Who gives me the down payment back to my PayPal card?”

Account Question:

  • “Check American Express Balance”
  • “My account is locked out”
  • “Change phone number and email”

Request for Information Question:

  • “Concerned someone may be using my credit to consolidate their loans?”
  • “I want to know when my bill due date is”
  • “Question about a payment”

Cards Question:

  • “My card block”
  • “I need a new card because mine is lost”
  • “Lost card”

Product/ Service Question:

  • “Loan issues”
  • “Loan”
  • “My loan”

Return/ Replace Question:

  • “Change email”
  • “Change payment method”
  • “Change my number”

Employment Question:

  • “Pay off loan”
  • “Pay off account”
  • “Job”

Activation/ Cancellation Question:

  • “To cancel a loan”
  • “To cancel loan”
  • “Cancel loan”

Website/ Application Question:

  • “Application”
  • “The site is not working and I'm trying to pay my bill”

Shipping and Delivery Question:

  • “Today my washer and dryer is to be delivered. What time.”
  • “Sobre mi tarjeta de crédito”

Refund Question:

  • “Refund”

Staff Question:

  • “Cacel service”

Other Question:

  • “I have one motorcycle but they have me paying for two completely different motorcycles”
  • “New CD”
  • “Transfer money”

Compare Bread Financial Customer Service To

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