
Bread Financial
Bread Financial Overview
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Bread Financial has 1.7 star rating based on 188 customer reviews. Consumers are mostly dissatisfied.
- Rating Distribution
Pros: Availability, Easy, Easy and quick.
Cons: Awful website, Bad connection with lending institution, No human consideration for positive credit relationship.59% of users think that Bread Financial should improve its Customer Service.
59% of users say that they won't use Bread Financial in the future for similar services or products.
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Bread Financial has 1.7 star rating based on 188 customer reviews. Consumers are mostly dissatisfied.
- Rating Distribution
Pros: Availability, Easy, Easy and quick.
Cons: Awful website, Bad connection with lending institution, No human consideration for positive credit relationship.59% of users think that Bread Financial should improve its Customer Service.
59% 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: "Not at all. Rubbish company", "Do not do business with Comenity or Bread. Dell computers are decent machines, but don't use their financing.", "Call the retailers that are held by Comenity rather than getting nowhere with calling Comenity", "Don't buy anything from debenhams for you own sanity", "Watch your credit report closely".
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


























Make payment
Worst company to deal with. Need to make payment as my payment is due tomorrow, no live agent and forwarded to website and hang up. Very rude
User's recommendation: Not at all. Rubbish company
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 ReviewerCannot communicate w/Comenity
No, and actually, I have used another company.
I provided my info, created a password, and Comenity sent an email stating "welcome." When I attempted to sign in to their website, the website did not recognize my acct.
But it "recomended" I open another acct. The entire process I just described repeated itself several times. Finally, I gave up. I emailed their contact address and instructed them to close and delete my new acct.
15 months later, Comenity still reports to all credit reporting services that I have an open 3000.00 credit acct with them.
As I have had similar loop problems opening an acct with the credit reporting services, I am going to try postal mail notices to them as well as to Comenity, now possibly known as Bread.
The loop in which I get stuck may well be their security software not playing nice with my browser security.
Yet even when I "lower the shields," I still get caught in the create-a-password loop. And my opinion of Dell plummeted after this experience, so I bought an HP.
- Cannot be communicated with
Preferred solution: my account closed, deleted, and TransUnion notified that I no longer have an acct with Comenity.
User's recommendation: Do not do business with Comenity or Bread. Dell computers are decent machines, but don't use their financing.
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 |To correct my email address: vl_1959@***.com NOT: bl_1959@***.com
I sent and email and realized that I typed bl_ which is incorrect it s/b vl_1959@***.com
Please make correction and forward all contact information to vl_1959@***.com
Venetta Y Lewis
860-904-****
vl_1959@***.com
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 ReviewerUnauthorized auto withdraw
Cancelled automatic withdrawal. Received confirmation that automatic withdrawal stopped.
Unauthorized automatic withdrawal was sent through for an amount exceeding the minimal payment.
This has caused excessive overdraft fees to my account, resulting in damages of $95. I demand Comenity for these damages immediately.
Preferred solution: Full refund
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 |I was scammed at Kay’s Jewelers at the Independence Mall
The money I paid on a bracelet was never accounted for on the receipt and I was never given a balance owe until the statement arrived. I was given two different discounts and paid the money for what my Kays card did not cover.
The clerk in the store told me to pay 700.00 dollars. I never seen the credit for the entire amount that I paid. I paid 648.45. Only 400.00 dollars was put on the item.
What happened to the two discounts I was given in the store and the 242.02 that is missing from the 645.45. I have called the store and spoke to the clerk, Sarah or may be called Stephanie. I have called the number on the back of my card. I do not want their card nor their business.
According to all the calculations, the balance is 2165.47. Kays sent me a statement with an amount of 2393.57. Investigation suppose to be carried out.
I believe the clerk scammed me at Independence Center Mall at Kays Jewelers. Dirty people!!!
User's recommendation: Be careful when purchasing at Kay’s Jewelers. They are scamming people.
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 ReviewerRefund
I paid a bill twice in one month I would like one payment refunded,$30.00. Please refund my money today. I need my refund please.
Preferred solution: Full refund
Pay bill off
Attempted to pay off my bill and close my account, they've merged with Bread Financial and there is no human available to speak to, when you call them it's automated system a bot rattles off a long hyperlink so fast you have to call them back just to get the hyperlink as soon as they finish speaking they hang up on you. Not even an option to repeat the link. So far I haven't been able to get through to a live human at all.
User's recommendation: Call the retailers that are held by Comenity rather than getting nowhere with calling Comenity
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 ReviewerRefund
I bought an Ecasa ottoman bed frame from Debenhams and it doesn't fit my room. I have been trying to get hold of them to come for it and they haven't replied to any of my emails.
The bed cost about 400 pounds. I'm really stressed and my blood pressure is getting high.
Preferred solution: Full refund
User's recommendation: Don't buy anything from debenhams for you own sanity
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 don't recommend this company for anything .. you can never get a straight clear answer from this company
Be and I'm a day late with my payment and I'm being charged a late payment fee .. I have never been late on any of my accounts that I have with this bank
Preferred solution: CLEARED FIR BEING A SAY KATE WITH MY PAYMENT OF 36 dollars.. I have never been late with my payments on any of my accounts.
Need info
I have an inquiry on my credit report from community bank but I've never even heard of this bank before. When I call to inquire about it I get no answers.
User's recommendation: Watch your credit report closely
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 ReviewerMy sportybet withdrawal block
I mistake deposit 200,000 I don't know that
My Sportybet account block please
Help me to withdrawal in my sportybet account over #200,000 in my sportybet I don't have access to withdrawal assist me
- Bad connection with lending institution
Preferred solution: I want to withdrawal and deposit In my sportybet
Billing guestion
No one answered. I want to talk to someone. Thats why I called so since I have to write 100 symbols that makes no sense either sorry just being honest
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 ReviewerIssue was not resolved
ComenIty Capital Bank/Big Lots Credit ran a hard inquiry on my credit report on 06/09/2024. This inquiry led to a 34 point drop in my credit score and to make matters worse, I was denied the credit card that I actually didnt want in the first place.
I applied for it to get an additional discount on the sofa. I was purchasing at Big Lots. Im a retired banker of 42 years and Ive never been turned down for credit in my life. The letter I received from Comenity stated that the reason for the denial was due to my Social Security number not matching credit reporting from Equifax.
I requested a paper copy of my credit report from Equifax and there that hard inquiry is in plain black-and-white. Obviously my social matched or the inquiry couldnt have been processed. The letter from Comenity also stated that I had delinquency and derogatory remarks on my report, which is false. When speaking with a.
Comenity representative and her supervisor I was told that I could apply again in 30 days, which obviously I will not do because they could do the same thing to me again! Do they think Im a complete idiot?
The supervisor did suggest that I filed a dispute with Equifax that will have their hard inquiry removed.
Im in the process of completing an Equifax research request form in the hopes that this matter will be resolved on that side of the equation. To say Im pissed is an understatement!
- Applying for a big lots credit card was a huge mistake
Preferred solution: Apology by supervisor-no capability of resolving issue. Suggested apply again in 30 days. Other suggestion was to dispute with Equifax.
User's recommendation: Steer clear of applying for a Big Lots credit 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 Reviewer |Credit card
I have not received my credit card for Woman Within yet. My address is P.O.
Box 162, Nebo, NC 28761. Please send it to this address.
Check balance
My name is Teddy Verdecia and my phone number is 305 342 ****.I don't recognize amount of 150.00 on my checking account of Chase, can you call me about this please.gracias.
Unable to send messages for assistances. Unable
I tried to send a message explaining a situation and your sys would not accept the message even after I entered the verification code.
User's recommendation: Don’t bother
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