Credit cards
Bread Financial: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 1,318
- Closed with money back
- 24%
- 2023 to 2025
- 456 to 470
Servicemembers filed 6.1% of Bread Financial's 21,439 complaints in the window, against 2.5% across the directory. The complaints are mostly about credit card, and the single most common issue is "Incorrect information on your report". 24% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count held roughly steady: 456 in 2023 and 470 in 2025.
What the complaints are about
By product
| Credit card | 461 |
| Credit reporting or other personal consumer reports | 348 |
| Debt collection | 203 |
| Credit card or prepaid card | 156 |
| Credit reporting, credit repair services, or other personal consumer reports | 133 |
By issue
| Incorrect information on your report | 264 |
| Fees or interest | 208 |
| Improper use of your report | 141 |
| Problem with a company's investigation into an existing problem | 86 |
| Problem with a purchase shown on your statement | 79 |
| 2023: 456 | 2024: 392 | 2025: 470 |
Which accounts, specifically
| Store credit card | 545 |
| Credit reporting | 501 |
| General-purpose credit card or charge card | 269 |
| Credit card debt | 180 |
| I do not know | 20 |
What went wrong, specifically
| Problem with fees | 184 |
| Reporting company used your report improperly | 101 |
| Credit card company isn't resolving a dispute about a purchase on your statement | 97 |
| Account status incorrect | 91 |
| Their investigation did not fix an error on your report | 87 |
Busiest month: March 2023, with 78 servicemember complaints. Most were submitted by web.
Most complaints came from TX (154), CA (123), FL (121) , then GA, VA, NC.
How Bread Financial answered
| Closed with explanation | 662 | 50% |
| Closed with non-monetary relief | 338 | 26% |
| Closed with monetary relief | 318 | 24% |
Bread Financial responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
-
""
Credit reporting or other personal consumer reports; Improper use of your report. TX, 2024-09-02. Outcome: Closed with explanation. Complaint 9993624
-
""
Credit card; Other features, terms, or problems. FL, 2024-09-03. Outcome: Closed with non-monetary relief. Complaint 9988335
-
""
Credit card; Other features, terms, or problems. NJ, 2024-08-31. Outcome: Closed with explanation. Complaint 9987855
If this is your problem at Bread Financial
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page. This site's verified guide to the company's own military policies: Comenity Bank SCRA: 6% Cap on Bread Financial Store Cards.
Compare with credit cards peers
- American Express 1,786 servicemember complaints; 19% with money back
- Goldman Sachs Bank (Apple Card) 771 servicemember complaints; 16% with money back
- Synchrony 2,400 servicemember complaints; 11% with money back
- Barclays Bank Delaware 677 servicemember complaints; 7% with money back
- Citibank 2,610 servicemember complaints; 15% with money back
Next in the directory by volume: Discover, Chime Financial, Nelnet.
Frequently asked questions
How many complaints did servicemembers file against Bread Financial?
1,318 complaints tagged servicemember were received by the CFPB about Bread Financial Holdings, Inc. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count held roughly steady: 456 in 2023 and 470 in 2025.
What do servicemembers complain about most at Bread Financial?
Credit card accounts for 461 of the 1,318 complaints, and the most common issue is "Incorrect information on your report" (264). Next: "Fees or interest" (208).
Does Bread Financial give money back when a servicemember complains?
24% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 338 closed with non-monetary relief and 662 closed with an explanation only. Bread Financial answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.