
Bread Financial
Bread Financial Overview
Bread Financial has 1.8 star rating based on 139 customer reviews. Consumers are mostly dissatisfied.
- Rating Distribution
Pros: Availability, Easy, Easy and quick.
Cons: Awful website, No human consideration for positive credit relationship, Takes forever to get to a live person.71% of users think that Bread Financial should improve its Customer Service.
67% of users say that they won't use Bread Financial in the future for similar services or products.
Bread Financial has 1.8 star rating based on 139 customer reviews. Consumers are mostly dissatisfied.
- Rating Distribution
Pros: Availability, Easy, Easy and quick.
Cons: Awful website, No human consideration for positive credit relationship, Takes forever to get to a live person.71% of users think that Bread Financial should improve its Customer Service.
67% of users say that they won't use Bread Financial in the future for similar services or products.Recent recommendations regarding this business are as follows: "Use Sephora if Ulta drops your limit when u have a good credit score and cards with a lot higher limit.", "Don’t depend on Ulta bank", "Steer clear!", "If it says comenity, don’t open an account. They are in it to offer easy ways to charge, and hard to pay so they get their investment of 20% off back.", "Never".
Most users ask Bread Financial for the refund as a solution to their issues.
Consumers are not pleased with Customer service and Website. The price level of this organization is high according to consumer reviews.
Media from reviews


















Reactivate card

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerLying
- Pros unknown yet
- Cons are they acquired comenity
Preferred solution: approval on the two credit card accounts; fix this erroneous rejection message that I keep getting.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerResolved: Closed account do to inactivity…
Company resolved the issue.
My Lsst correspondents from Bread confirming my issues. A email should have been sent as a warning.
That is their Policy but “Not” this Time. From: Comenity BankSent: Tuesday, August 15, 2023, 5:41 AM (ET)To: YouSubject: Re: We closed your account due to...
No Resolution!!! Just we can not reopen the account once closed.
Remember, I owed them Zero Dollars, never used the Card in 2 years. Basically, I was told you done lose it. You lose it.
I thought I was being responsible. Weird of advice even with rainy day credit...
- Canceled 5000 credit card with a zero balance for inactivity
Preferred solution: My Bread Financial American Express reinstated.
User's recommendation: Go to American Express, not Banks that use American Express Branding. Real American Express would have never done this to the many card I have with them. This caught me so off guard. $5000 Limit. Canceled because of inactivity with Zero Warning. Where is Customer Service. Where are their Ethics.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerDeplorable, Horrible, Unethical Bank
I had to cancel two locked Bread credit cards since the company demanded that I send sensitive ID information to them. I refused.
My many verbal ID verifications were not enough. They chose to continue to investigate a non-crime with assumptions prompted by them, not...
- Great faux offers
- Bait and switch
Preferred solution: Get out of my life.
User's recommendation: Save yourself by reading the reviews.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerHuge late fees
Preferred solution: Apology
User's recommendation: Stay away from these scammers
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |Huge and unrecoverable late fee
User's recommendation: Stay away from this crooks
This review is written by an individual who has purchased the reviewed product/service and/or confirms being a paying customer of this company. Check our FAQ
Verified Buyer |This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerRefunded Credit never received
- Inconsistent customer service
- Poor business ethics
Preferred solution: Full refund
User's recommendation: Avoid this bank
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerCredit Report
- No pros all cons
- All cons
Preferred solution: For them to fix my credit info correctly instead of putting *** on my report that is not true.
User's recommendation: Stay away from Comenity CC. They open access without you knowing it.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerI am disgruntled with Comment Capital Bank!!
- Difficulty with customers
Preferred solution: I just want another card issued to me at a different address.
User's recommendation: I have no recommendation
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerHad an issue so I called in. Got NOWHERE!!!
- Lot
Preferred solution: Why I was denied the Torrid card
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerTo find out why I didn’t receive my credit card before a late pmt. showed up.
Mishandling of Store Card
- That i can see
- Fraudulent
- Shady and dishonest
Preferred solution: Full refund
User's recommendation: Avoid
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |Customer service
I was totally upset with customer service. Now I just want to go forward. The experience with each person was dauntingi
User's recommendation: Take a tranquilizer if you continue to have to pay thru this bank or
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |Furious Customer
User's recommendation: Do NOT ever get a Commenity card period
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |Unable to transfer funds
User's recommendation: Avoid this bank like the plague!!!
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I escalated this matter to the Bread Financial President Ralph Andretta days ago, and NEVER get any kind of response. I feel they refuse to transfer my hard earned money to me, or worse, the bank is in financial trouble.
I escalated this matter to the Bread Financial President Ralph Andretta days ago, and NEVER get any kind of response. I feel they refuse to transfer my hard earned money to me, or worse, the bank is in financial trouble.
I escalated this matter to the Bread Financial President Ralph Andretta days ago, and NEVER get any kind of response. I feel they refuse to transfer my hard earned money to me, or worse, the bank is in financial trouble.