Independent profile — not affiliated with Bread Financial
Bread Financial
Bread Financial Holdings, Inc. (NYSE: BFH), of Columbus, Ohio, is the parent of Comenity Capital Bank, which issues store, co-brand and Bread-branded credit cards, Bread Pay loans and Bread Savings products and absorbed Comenity Bank in a merger completed on October 1, 2026, according to the company's Form 8-K; the parent was Alliance Data Systems until March 2022, and Comenity Bank was World Financial Network National Bank until 2011. This page lists the company's own account, payment and dispute channels, the CFPB billing-error route, the FDIC orders of 2015, 2023 and 2024 (one for each bank in 2024), the Comenity Bank merger, the BBB, Trustpilot and CFPB-database figures as displayed on October 7, 2026, and how the older WFNNB, WFCB and Comenity names appear in 103 posts in this site's archive.
Complaints & Reviews on USAComplaints
USAComplaints currently maintains 103 historical complaints about Bread Financial, published between 2004 and 2013. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources below.
- Consumer Report
- Consumer Report
- Consumer Report
- Consumer Report
- Consumer Report
- Consumer Report
- Consumer Report
- Consumer Report
- Consumer Report
- Consumer Report
- Consumer Report
- Consumer Report
- Pier One Credit Card Company Comenity Bank is Trying to Extort Money from me
- Medchoice unfair late fee and telephone payment processing
- Lane Bryant, WFNB Lies about reissuing Lane Bryant Rewards. Never sends them
- Adding Late Fees/Penalties to Account
- World Financial Network -National - Bank METROSYTLE world financial network national bank metrostyple
- World Financial Capital Bank delibertly out to distroy my credit
- Fraud slander
- Hy no email address? What did I charge?
Complaint Themes
Independent Sources
Shown for context — not merged with USAComplaints' own numbers.
Contacts & Login
- Official website: https://www.breadfinancial.com/
- Bread Loans and Bread Pay accounts: Member Support: 1-844-992-7323
- Help Center (company page): https://www.breadfinancial.com/en/help-center.html
- Find your card and sign in to Account Center: https://www.breadfinancial.com/en/credit-card-sign-in-search.html
- Bread Savings: Customer Care: 1-833-755-4354
- Credit card phone payments (a fee may apply): 1-855-796-9632
- Military (SCRA) requests: 1-855-463-0222
- Corporate headquarters (Form 10-K): 614-729-4000 4 complaints mention this number
- BBB-listed number for Comenity/Comenity Capital Bank: (800) 675-5685 12 complaints mention this number
- Bread Pay Member Portal: https://member-portal.breadpayments.com/
Locations
| Type | Address |
|---|---|
| Headquarters | 3095 Loyalty Circle Columbus OH 43219 |
| Mailing address | C/O Bread Financial, PO Box 182508 Columbus OH 43218 |
| Mailing address | Bread Financial, Attn: SCRA Request, P.O. Box 182273 Columbus OH 43218-2273 |
| Branch office | Comenity Capital Bank headquarters, 12921 South Vista Station Blvd, Suite 100 Draper UT 84020 |
Bread Financial and Comenity cards: where to go and what to send (checked October 6-7, 2026)
Which company this is. Bread Financial Holdings, Inc., of Columbus, Ohio, says in its 2025 annual report that it provides "payment, lending, and saving solutions" and operates mainly through two banks, Comenity Bank and Comenity Capital Bank. Its Help Center says: "Bread Financial has two bank subsidiaries, Comenity Bank and Comenity Capital Bank, that issue credit cards and other financing options." A Form 8-K with an event date of October 1, 2026 says Comenity Bank merged with and into Comenity Capital Bank on that date, with Comenity Capital Bank as the surviving entity (see Regulator Actions); a card, statement or agreement dated before then may still name Comenity Bank. A store or co-brand card can appear on a statement under a bank name rather than the store's name.
Find your account and Customer Care. The Help Center says to "search for your specific card" on the card sign-in search page to reach the right Account Center, and that Customer Care can be reached by the number on the back of the card or on the billing statement, or by secure message after signing in. Numbers the company publishes for other products:
- Credit card accounts: the number on the back of the card or on the statement.
- Bread Loans and Bread Pay accounts: 1-844-992-7323.
- Bread Savings: 1-833-755-4354.
- Credit card phone payments: 1-855-796-9632 (TDD/TTY 1-888-819-1918); the Help Center adds "A fee may apply for phone payments." It also describes paying online through Account Center and, without registering, through "Comenity's EasyPay".
- Military (SCRA) requests: 1-855-463-0222, or in writing to Bread Financial, Attn: SCRA Request, P.O. Box 182273, Columbus, Ohio 43218-2273.
Disputing a charge on a credit card. The CFPB says to call the card company right away, and that to protect your rights you must also send a written billing error notice within 60 calendar days after the charge appeared on your statement; the company then has 30 days to confirm it received the notice. The Bread Help Center pages read on October 6, 2026 do not list a billing-error mailing address, so use the address printed on your statement or in your card's Summary.
Closing a card and hardship help. A current Comenity card agreement (the J.Crew card agreement, whose summary says the card is issued by Comenity Bank and was printed August 2023) says: "You may close your Account at any time. You remain responsible for any amount owed under this Agreement." The same agreement tells cardholders with a statement error to write to the address "for Billing Errors on the Summary", so the address is the one printed for your own card; agreements differ by card, so open the legal documents for your card from Account Center. For payment difficulty, the company's second-quarter 2026 Form 10-Q says that for customers who have requested assistance and meet qualifying requirements, its modifications "come in the form of reduced payment requirements, interest rate reductions and late fee waivers" and that it does not offer programs involving forgiveness of principal; this is a statement to investors, not a promise of eligibility, so ask Customer Care what applies to your account.
Bread Pay purchases. The Help Center says Bread Pay installment loans and SplitPay loans are made by Comenity Capital Bank, and that questions about orders, returns and cancellations go to the retailer first. If the retailer does not respond, Member Support may be able to open a formal order dispute: for installment loans "within 30 days of your loan origination date", for SplitPay "within 120 days" of the order. Payments stay due until the balance is paid or refunded by the retailer.
Credit-report disputes about a Bread Pay loan. The Help Center says to "contact the credit bureau directly or submit your dispute in writing" to C/O Bread Financial, PO Box 182508, Columbus OH 43218, and adds: "we don't accept disputes over the phone or via email."
Fraud and look-alike contacts. The Help Center says "We'll never ask you to provide sensitive information through email or text", that the official app can be downloaded "only in the App Store or Google Play" with Bread Financial Holdings Inc. as publisher, and that suspicious activity should be reported to the Customer Care team for the account.
Outside routes. The CFPB accepts complaints about credit cards at consumerfinance.gov/complaint/. The Form 10-K says the banks are supervised by the FDIC, the Delaware Office of the State Bank Commissioner (Comenity Bank), the Utah Department of Financial Institutions (Comenity Capital Bank) and the CFPB. Complaints and posts are allegations; the company's own position is that its Customer Care and dispute channels above are the first step.
FDIC orders and the Comenity Bank merger into Comenity Capital Bank
FDIC orders of September 8, 2015 (add-on products). The FDIC announced settlements with Comenity Bank (Wilmington, Delaware) and Comenity Capital Bank (Salt Lake City, Utah) over the marketing and servicing of the credit card add-on products "Account Assure" and "Account Assure Pro". Comenity Bank agreed to a $2,000,000 civil money penalty and about $53,000,000 in restitution; Comenity Capital Bank to $450,000 and about $8,500,000. The FDIC said it determined that the banks violated Section 5 of the FTC Act by, among other things, charging a fee when accounts had no balance after saying none would be charged, misstating the 30-day refund process, and misstating conditions for gift cards or statement credits. Each order, dated September 8, 2015, says the bank consented "without admitting or denying any violations of law or regulation". The FDIC's release covers restitution for the period January 2008 to September 2014 and says eligible consumers did not have to take action.
FDIC consent order against Comenity Servicing LLC (November 20, 2023). The order, issued to the company's servicing subsidiary, followed the June 2022 transition of credit card processing; the Servicer consented "without admitting or denying any charges of unsafe or unsound practices" relating to systems development, project management, business continuity and related areas. The company's filing says it contained no monetary penalties. The FDIC's Order Terminating Consent Order FDIC-23-0066b is dated March 31, 2026.
FDIC civil money penalties (August 22, 2024). The FDIC issued two separate Orders to Pay dated August 22, 2024, each assessing $1,000,000: FDIC-24-0051k against Comenity Bank and FDIC-24-0050k against Comenity Capital Bank. Each order states that the bank "neither admits nor denies" that it engaged in unfair acts or practices in violation of Section 5 of the FTC Act "related to reward programs and the processing of automatic payments matters resulting from the conversion from an internal core system platform to an external core system platform", and each records that the bank entered a Stipulation and Consent to the Issuance of an Order to Pay. Both orders were opened for this page. Bread Financial's 2025 Form 10-K likewise says each of its two banks was required to pay a civil money penalty of $1 million.
CFPB. The CFPB enforcement-actions page, searched by title keyword on October 7, 2026 for "comenity", "world financial" and "bread financial", returned no results for each. This is a title-keyword search of that page and is not a statement about every supervisory matter.
Comenity Bank merged into Comenity Capital Bank (October 1, 2026). On December 17, 2025 the company filed applications to merge Comenity Bank into Comenity Capital Bank; the Utah Department of Financial Institutions application-status page, opened October 7, 2026, lists the Comenity Capital Bank / Comenity Bank application as received 12/17/25 and "Approved 7/31/26". A Form 8-K filed September 8, 2026 said the company expected to consummate the merger on or around October 1, 2026. A Form 8-K with an event date of October 1, 2026, filed on behalf of the World Financial Network Credit Card Master Note Trust, says: "On October 1, 2026, the Corporation completed the merger of its indirect, wholly-owned subsidiary, CB, with and into CCB ... with CCB as the surviving entity." It adds that all property, rights, liabilities and obligations of Comenity Bank became those of Comenity Capital Bank, which also succeeded Comenity Bank in its roles for the card securitization trusts, and describes Comenity Capital Bank as a Utah industrial bank headquartered at 12921 South Vista Station Blvd, Suite 100, Draper, UT 84020, supervised by the Utah Department of Financial Institutions, the FDIC and the CFPB. The FDIC BankFind data queried on October 7, 2026 (index dated October 2) still listed both certificates as active; it is a periodic index and had not yet reflected the merger.
Who Bread Financial is and the bank names behind older posts
Bread Financial Holdings, Inc. (NYSE: BFH) is the registrant on the SEC's EDGAR system under the name it has used since March 2022; the same registrant was Alliance Data Systems Corporation from 2000 to March 23, 2022 according to EDGAR. The company describes itself as "a tech-forward financial services company" that provides payment, lending and saving solutions to millions of U.S. consumers, and offers private label and co-brand credit cards for retail brands, the Bread Cashback and Bread Rewards American Express cards, Bread Pay installment and split-pay loans, and Bread Savings deposits. On its About page it says it has about 34 million active customer accounts, $28 billion in customer spend and more than 6,000 associates (2025 highlights, company figures).
The banks and their earlier names. FDIC records show Comenity Bank (certificate 27499) was established on May 1, 1989 as World Financial Network National Bank in Whitehall, Ohio, became World Financial Network Bank on August 1, 2011 and Comenity Bank on October 1, 2012. Comenity Capital Bank (certificate 57570) opened on December 1, 2003 as World Financial Capital Bank and took its current name on October 1, 2012. The 2025 Form 10-K describes Comenity Bank as a Delaware-chartered credit card bank and Comenity Capital Bank as a Utah-chartered industrial bank; on October 1, 2026 Comenity Bank merged into Comenity Capital Bank, which survives (see Regulator Actions). Posts in this site's archive from 2004 to 2013 use the older names WFNNB and WFCB (and retailer names such as Victoria's Secret, Lane Bryant, Blair or Express) for the card issuer.
Recent company items. The company's newsroom lists on September 15, 2026 that Bread Financial and Signet Jewelers renewed their credit card program agreement. The 2025 Form 10-K and the second-quarter 2026 Form 10-Q also describe litigation arising from the company's spin-off of Loyalty Ventures Inc. (LVI); these are investor and bankruptcy-trustee matters summarised under Litigation below, not claims about individual card accounts.
Complaint figures as displayed on October 7, 2026, and this site's posts
CFPB Consumer Complaint Database (as displayed October 7, 2026). Under the company name "Bread Financial Holdings, Inc." the database lists 49,378 complaints received between September 5, 2016 and October 1, 2026, with 10,754 received since October 7, 2025. By the product the consumer selected, the all-time list shows 11,608 "Credit card or prepaid card", 10,953 "Debt collection", 9,543 "Credit card", 9,168 "Credit reporting or other personal consumer reports" and 6,740 "Credit reporting, credit repair services, or other personal consumer reports". In the last twelve months the most frequent issue labels were "Took or threatened to take negative or legal action" (2,257), "Incorrect information on your report" (2,241) and "Fees or interest" (1,217). Company responses on the all-time list: 28,044 closed with explanation, 12,935 closed with non-monetary relief, 8,371 closed with monetary relief; the database marks 49,374 as timely and 4 as not timely. Product and issue labels are chosen by the person filing, the CFPB does not verify the accounts, and these counts are not combined with any figure below. "Comenity Bank" and "Comenity Capital Bank" appear in the database as separate names with 2 complaints each (2017 and 2018).
BBB. The BBB profile for Comenity/Comenity Capital Bank, Columbus, OH, shows BBB Accredited with an A+ rating, 4,963 total complaints in the last 3 years, 1,157 complaints closed in the last 12 months, and 1.03 out of 5 from an average of 1,291 customer reviews (BBB lists Bread Financial Payments, Inc., Comenity Bank and Comenity Capital Bank as alternate names). Trustpilot shows an unclaimed profile for breadfinancial.com with 1.1 out of 5 from 199 reviews and the note "No history of asking for reviews".
This site's archive. 103 approved posts from 2004 to 2013 are linked to the card issuer under its former names: 72 name World Financial Network National Bank or WFNNB, 18 name World Financial Capital Bank or WFCB (often with the Blair or Haband catalogues), and 13 name Comenity (including 12 from 2013 about bank-statement debits labelled "Comenity Pay"). Keyword counts across those 103 posts are listed under Complaint Themes; they count posts that mention a topic and are not findings. Writers describe late fees on bills they say arrived late or never, calls from collectors, accounts they say they did not open, add-on charges such as Account Assure or credit protection, and credit-report entries. In the search run for this page (offender, title and text matches for these bank names), no approved post carries a date after 2013. The posts are allegations by their authors; the company's position is stated through its Help Center and the dispute channels above.
Court record and company-disclosed lawsuits
Court records. The two U.S. cases below were checked on CourtListener on October 7, 2026 (docket numbers 24-03027 in the S.D. Texas bankruptcy court, 2:23-cv-01451 in the S.D. Ohio and 25-3313 in the Sixth Circuit); the Ontario LoyaltyOne suit has no U.S. docket and is described only as the company's filing states it. A court docket shows filings, not the truth of a party's allegations. The matters come from the company's SEC filings and are investor and bankruptcy-estate disputes, not claims about individual card accounts. No docket search in this review covered consumer card cases.
Matters described in the second-quarter 2026 Form 10-Q. The company is a defendant in suits tied to its spin-off of Loyalty Ventures Inc. (LVI): an adversary proceeding and a Delaware Chancery action by LVI's liquidating trustee (Pirinate Consulting Group, LLC), each seeking about $750 million plus interest, fees and expenses; a suit by LoyaltyOne, Co. in Ontario seeking $775 million; and a securities class action (Newtyn Partners, LP v. Alliance Data Systems n/k/a Bread Financial Holdings, Inc.) that the Southern District of Ohio dismissed with prejudice on March 20, 2025 and the Sixth Circuit's January 21, 2026 opinion and judgment concluded on appeal (the S.D. Ohio docket records the Sixth Circuit mandate on February 13, 2026). The company says it believes the allegations in the spin-off cases are without merit. The filing also says that from time to time the company is subject to lawsuits, class actions and other proceedings in the ordinary course that it believes will not have a material adverse effect.
Is Bread Financial Legitimate?
Bread Financial Holdings, Inc. is listed on the New York Stock Exchange (BFH) and files annual and quarterly reports with the SEC. The card issuers are FDIC-insured banks: Comenity Bank, certificate 27499, Wilmington, Delaware (established 1989; merged into Comenity Capital Bank on October 1, 2026 according to the company's Form 8-K) and Comenity Capital Bank, certificate 57570, Draper, Utah (opened 2003), the surviving bank. The BBB profile shows accreditation with an A+ rating, while the BBB complaint count (4,963 in three years), the CFPB database count (49,378) and a 1.1 Trustpilot score are separate sources with their own methods. FDIC orders of 2015, 2023 and 2024 (two in 2024, one per bank) were each entered on consent, as described under Regulator Actions, and the 2023 order was terminated on March 31, 2026. This page offers no rating or verdict; it lists the company's own channels and the public record so that readers can compare them with their own experience.
Court & Public Records
| Case | Authority | Dates | Type | Outcome | Source |
|---|---|---|---|---|---|
| Pirinate Consulting Group, LLC (liquidating trustee of Loyalty Ventures Inc.) v. Bread Financial Holdings, Inc. and its general counsel (fraudulent-transfer adversary proceeding over the LVI spin-off) Docket Adv. No. 24-03027 | U.S. Bankruptcy Court, S.D. Texas | Filed | Filed — no final outcome recorded As described in the company's Form 10-Q for the quarter ended June 30, 2026, the trustee alleges actual and constructive fraudulent transfers and seeks about $750 million plus interest, fees and expenses. The Bankruptcy Court permitted certain claims to move past a motion to dismiss and, on January 22, 2026, denied the company's motion for partial summary judgment on other claims; the company says it is appealing that decision to the U.S. District Court for the Southern District of Texas. CourtListener's page for docket 24-03027, opened October 7, 2026 (listing updated August 31, 2026), shows an order on January 22, 2026, a notice of appeal and a request for leave to appeal on February 5, 2026, and entries through number 113 on August 31, 2026; the first-page entries from May 2025 onward do not include a final judgment. A similar action by the same trustee is pending in the Delaware Court of Chancery (No. 2024-0277-MTZ). The company says it believes the allegations are without merit. This is an investor and bankruptcy-estate dispute, not a claim about consumer accounts. | Source | |
| Newtyn Partners, LP v. Alliance Data Systems n/k/a Bread Financial Holdings, Inc. (putative securities class action over disclosures about LVI's business) Docket No. 23-cv-1451-EAS | U.S. District Court, S.D. Ohio; appeal to the U.S. Court of Appeals for the Sixth Circuit | Dismissed | Dismissed According to the company's Form 10-Q for the quarter ended June 30, 2026, the District Court granted the defendants' motions to dismiss in full and with prejudice in March 2025 and entered judgment for all defendants, and the Sixth Circuit affirmed the dismissal in January 2026. The S.D. Ohio docket on CourtListener (opened October 7, 2026) shows an Opinion and Order dated March 20, 2025 granting both motions to dismiss with the Exchange Act Section 10(b) and 20(a) claims dismissed with prejudice, a clerk's judgment the same day, a Sixth Circuit order on January 22, 2026 and a Sixth Circuit mandate on February 13, 2026; the Sixth Circuit docket (No. 25-3313) lists "opinion and judgment filed" on January 21, 2026. The case concerned investor disclosures, not consumer card accounts. | Source | |
| LoyaltyOne, Co. v. Bread Financial Holdings, Inc. et al. (suit over the LVI spin-off, with a related tax-refund dispute under Canada's Companies' Creditors Arrangement Act) | Ontario Superior Court of Justice (Canada) | Filed | Filed — no final outcome recorded The company's Form 10-Q for the quarter ended June 30, 2026 says the suit alleges that Bread Financial's general counsel breached fiduciary duties as a pre-spin-off director of LoyaltyOne, Co., and that Bread Financial assisted in and benefited from the breaches; it seeks $775 million. In the separate tax matters dispute a July 2024 order was in the company's favour and leave to appeal was dismissed in March 2025; in March 2026 the court granted an interim stay up to and including March 8, 2027. The company says it believes the allegations are without merit. | Source |
Related Complaints
Names this company in a role other than the primary subject — not necessarily current or complete.
Company Relationships
- Affiliated with: Comenity Bank
- Affiliated with: Comenity Capital Bank
- Affiliated with: Comenity Servicing LLC
- Affiliated with: Bread Financial Payments, Inc.
- Formerly known as: Alliance Data Systems Corporation
- Affiliated with: Loyalty Ventures Inc. (LVI)
Frequently Asked Questions
How do I dispute a charge on a Bread Financial or Comenity credit card?
The CFPB says to call the card company right away and, to protect your rights, send a written billing error notice within 60 calendar days after the charge appeared on the statement; the company then has 30 days to confirm it received the notice. The Bread Help Center page read on October 6, 2026 sends cardholders to Customer Care by the number on the card or statement and does not list a billing-error mailing address, so use the address printed on your statement or card Summary.
What phone numbers does Bread Financial publish for customers?
The Help Center lists 1-844-992-7323 for Bread Loans and Bread Pay accounts, 1-833-755-4354 for Bread Savings, 1-855-796-9632 for credit card phone payments ("A fee may apply for phone payments") and 1-855-463-0222 for SCRA military requests. For credit card accounts it points to the number on the back of the card or on the statement; there is no single card number on that page.
Is Comenity Bank the same company as Bread Financial?
Bread Financial Holdings, Inc. is the parent. Its Help Center says it has "two bank subsidiaries, Comenity Bank and Comenity Capital Bank, that issue credit cards and other financing options"; a Form 8-K with an event date of October 1, 2026 says Comenity Bank merged with and into Comenity Capital Bank that day, with Comenity Capital Bank as the surviving entity. SEC records show the parent was named Alliance Data Systems until March 23, 2022, and FDIC records show Comenity Bank was World Financial Network National Bank from 1989 until 2011 and World Financial Network Bank until October 1, 2012.
What did the FDIC orders involving Comenity say?
The September 8, 2015 orders covered the Account Assure add-on products: Comenity Bank agreed to a $2,000,000 penalty and about $53,000,000 restitution and Comenity Capital Bank to $450,000 and about $8,500,000, each consenting without admitting or denying violations. A November 20, 2023 consent order against Comenity Servicing LLC was terminated on March 31, 2026, and two August 22, 2024 orders (FDIC-24-0051k against Comenity Bank and FDIC-24-0050k against Comenity Capital Bank) each assessed $1,000,000, with each bank neither admitting nor denying the findings.
How many complaints about Bread Financial are in the CFPB database?
Searching the CFPB database on October 7, 2026 for the company name "Bread Financial Holdings, Inc." returned 49,378 records dated September 5, 2016 to October 1, 2026; 10,754 of those were received after October 7, 2025. Product and issue labels come from the people filing, the CFPB does not verify the accounts, and the number stands apart from the BBB's 4,963 complaints in three years and from this site's 103 archive posts.
What do BBB and Trustpilot show for Bread Financial?
As displayed on October 7, 2026, the BBB profile for Comenity/Comenity Capital Bank, Columbus, OH shows BBB Accredited, an A+ rating, 4,963 complaints in the last 3 years, 1,157 complaints closed in the last 12 months, and 1.03 out of 5 from 1,291 customer reviews. Trustpilot's page for breadfinancial.com is unclaimed and shows 1.1 out of 5 from 199 reviews with the note "No history of asking for reviews".
Why do older posts on this site mention WFNNB, WFCB, Blair or Victoria's Secret?
FDIC records show the banks now called Comenity Bank and Comenity Capital Bank were named World Financial Network National Bank (WFNNB) and World Financial Capital Bank (WFCB) until 2012. Writers from 2004 to 2013 used those names, usually alongside the retailer or catalogue whose card they held. This page links 103 such posts; they are the writers' accounts and are not findings.
What are the 'Comenity Pay' debits that some 2013 posts describe?
Twelve archive posts from 2013 describe entries on a checking-account statement labelled "Comenity Pay" that the writers did not recognise; the posts do not say whether the writers held a Comenity-issued card. The Bread Help Center describes paying a card by phone or online and says "A fee may apply for phone payments"; a debit you do not recognise can also be raised with your own bank and with Customer Care through the numbers above.
Which bank makes Bread Pay loans, and who handles an order dispute?
The Help Center says Bread Pay installment loans and SplitPay loans "are made by Comenity Capital Bank", that merchandise and return questions go to the retailer first, and that Member Support may open an order dispute "within 30 days of your loan origination date" (installment) or within 120 days of the SplitPay order. It adds that payments remain due until the balance is paid or refunded.