Bread Financial User Reviews

Bread Financial

Bread Financial Holdings, Inc.

Finance

Reviews Summary

Positive highlights

⭐

This app hasWell-organized and efficient app

⭐

This app hasEasy to use and navigate

⭐

This app hasIntuitive and modern design

⭐

This app hasAbility to track rewards and account details

⭐

This app hasConvenient for making payments

⭐

This app hasHelpful for managing multiple cards (if supported)

Negative highlights

🕰️

This app hasSlow updates on automatic payments

🔒

This app hasSecurity concerns with potential hacking incidents

❌

This app hasInconsistent login issues and app not working for some users

❌

This app hasLack of customer support and communication channels

❌

This app hasLimited features like purchase alerts and credit score tracking

❌

This app hasDifficulty managing multiple cards within the app

❌

This app hasStrict payment due dates and cutoff times

Top reviews

Most RecentHighest RatedLowest Rated

Ongoing Technical Issues

“It is not you! It is us. We are experiencing a technical issue, our team is working to resolve it as soon as possible. Please try again later”
I have seen this message about a hundred! time in the last 3 months! The Bread Financial phone app let me in only 2-3 times out of a 100 trial!!
The website doesn’t work either. The only thing costumer service recommends is to change my password. When I change password, then the system shuts me out “for my protection!!!” for 10 days. And after 10 days nothing changes, I got the same message from the app. Very disappointed with the Bread Financial app and the Bread Financial/Comenity website. IT attention is highly needed!

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AndiS06

a month ago

Response from developer

Hi AndiS06. Thank you for your comments. Please know that your experience matters to us, and we're sorry to hear we missed the mark. If we can help you with anything, please visit http://spr.ly/62506s9P1A or call 1-855-796-9632 (TDD/TTY:1-888-819-1918). We're always happy to help. ^WA

Scammers

I took a bread split pay loan for $920 and they didn’t send the money to the retailer I was using. I contacted the store and they told me it wasn’t in their system so I contacted bread customer support and they couldn’t help me. So I basically am out of $920. I did everything in my power to find a solution with emails and phone calls with absolutely no help from them. They pretty much told me to figure it out myself. That shouldn’t be up to me to do. I’ve used bread multiple times but this past time has been very infuriating. I was robbed by them and I can’t do anything about it. I went ahead and paid it off all at once to see if it would trigger something in their system and see that they never sent it to academy but it didn’t. Anyways hope everyone sees this and decides not to use them. I hate to be this person but I feel violated in a way knowing I’ll never see my money again and how they took it. If someone higher up can contact me and help me sort this out I’ll delete this review if it has that option. But like I said I’ve done everything in my power to figure it out myself with no help and leaving reviews about my experience is my last resort before I do more research to see how I can take legal action.

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Hellbilly669

a month ago

Amateurish, serious usability gaps

Nothing good to say so far. Can’t paste an account number form the clipboard, so you have to type it out. Rewards section permanently states there is an unspecified “technical issue” preventing rewards from being displayed. Was blocked from setting up automatic payments and directed to contact support. Support couldn’t figure it out, then mysteriously a few weeks later the option to set up payments stopped erroring out, but the auto payments won’t be active for 1-2 cycles. This app reeks of a non-professional developer/product team, and I shudder to think what this might mean for their security and privacy practices.

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jungleelgnuj

2 months ago

Response from developer

Hi, jungleelgnuj. Thank you for being a valued customer and providing this important feedback. If we can assist you in any way, please call 1-888-282-5154 (TDD/TYY 1-888-819-1918). We're always happy to help.

Absolute crooks

This institution is predatory and has no respect for customers. I got a AAA credit card a few months ago and immediately enrolled in autopay. This bank takes 2 months to initiate automatic payments so that they can hit you with finance charges while you assume your balance is being paid regularly. Once I realized they stole $70 from me I called the customer support number and received the absolute worst support I've ever experienced. After multiple escalations there was (and still is) no resolution. They're rude, dishonest, and predatory. Customer beware.

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trustandintegrity

3 months ago

Response from developer

Hi, trustandintegrity. We're sorry to hear you haven't been enjoying your card as much as we'd like, but we do appreciate your feedback. If there's anything we can do, please visit http://spr.ly/62508o0MQn. Or, if you'd like to speak with a member of our team directly, please call 1-855-796-9632 (TDD/TTY:1-888-819-1918).

Direct Deposit for Reward Redemption is Sloppy and Disconnected Customer Seri

Redeeming Rewards via Direct Deposit to a Checking Account is an absolute nightmare.

Here is my experience:

1. Searched for a way to redeem via the app or online and it is impossible. You must call them.

2. Called them and was told there was a “glitch” and to call back later after 15 minutes on hold.

3. Called back later and was told to wait “24 hours”

4. Waited a week and called again and a Rep who could barely speak English abruptly took down my routing and checking account numbers with no verification of any kind and said. “It’s done”

5. After waiting a week and seeing no sign of any reward redemption activity on my account, I sent a message via the app.

6. After 72 hours with no response I followed up and a couple of days later was told. “We have no direct deposit information”

7. Called today and after going through 15 minutes of verification questions, was told. “We found your info and it will be posted this week by the 28th”

8. Asked for a confirmation number and was told. “we cannot give this out”

Unbelievable and I truly hope they don’t lose my money

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TCards

3 months ago

Response from developer

Hi, TCards. We're sorry to hear your experience wasn't as smooth as we'd like. Please visit http://spr.ly/62508oSqMq for our helpful FAQ, or call us at 1-855-796-9632 (TDD/TTY:1-888-819-1918) to receive assistance from a member of our team. Thank you, and have a great day.

Reward usage procedure

Other credit cards allow you to use your reward points in the actual transaction as you pay off the balance rather than waiting for the reward dollars to appear on your statement. Also, I should have a $100 credit bonus after spending over $1000 within a few months time after opening the account. So far this bonus has not appeared. Thank you.

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Mr. Card Shopper

3 months ago

Response from developer

Hi, Mr. Card Shopper. Thank you for your honesty. We want you to enjoy everything about your card, so if there's anything we can do, please visit http://spr.ly/62502okvo8. Or, if you'd like to talk with a member of our team directly, please call 1-855-796-9632 (TDD/TTY:1-888-819-1918).

App not working for days

For at least the past 5 days the app has not been working. When you tried opening it it just showed a blank white screen(and I had tried closing and re-opening the app). I have no access to my account information and being overseas this is extremely frustrating. There is no communication from the bank about this issue, so I am not even sure if it’s a systemwide failure or not.

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P!per2024

3 months ago

Response from developer

Hi, P!per2024. Thank you for your honesty. We want you to enjoy everything about your card, so if there's anything we can do, please visit http://spr.ly/62502ou7wu. Or, if you'd like to talk with a member of our team directly, please call 1-855-796-9632 (TDD/TTY:1-888-819-1918).

No Access for Midas Card Holders

I was told to download this app in order to manage my card because I didn’t want to have to keep using a website. The Midas card is still not available on this app yet I was told this is where I should go to manage my card? Someone should update your AI responses or let your employees know that Midas isn’t supported in the app. This was just a waste of my time. I have all of my other cards in accessible apps, this is the only card I have that I have to make sure to set a reminder in my calendar to make my payments because there is no way to get notifications unless you sign up for paper billing, and that’s just not a thing I am trying to do. If they ever add Midas or send me a new message to apologize for their error, I’ll update this but as for now, this app is useless if you’re a Midas card holder.

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I know jack, well...

4 months ago

Response from developer

Hi, I know jack, well.... Thank you for your review. We're glad to hear you were able to get what you needed. If we can assist you with anything else, please visit http://spr.ly/62506lhmZE or call 1-855-796-9632 (TDD/TTY:1-888-819-1918). We're always happy to help.

Finally an app for my Caesars Palace Credit Card

I got myself a Caesars Palace credit card to get the perks and status the card gives you but to my surprise when I got it, I had to go through a website to check all transactions and pay the card. I check all my cards on a regular basis and use my phone to check and it was never possible for that card. Now finally with this app I can do that on the phone. I have stopped using the card because it is such a hassle to log in and see. Good move to offer this app now. I will see if I use the card now. I will change my rating if I encounter any issues but so far I am glad it works.

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IT Guy 554

4 months ago

Response from developer

Hi, IT Guy 554. We're sorry to hear your experience wasn't as smooth as we'd like. Please visit http://spr.ly/62507c79NX for our helpful FAQ, or call us at 1-855-796-9632 (TDD/TTY:1-888-819-1918) to receive assistance from a member of our team. Thank you, and have a great day. ^BR

Small inconveniences to the user

I tried paying my bill and was told to pay before 5pm EST, in which case, I might forget one day to pay and be charged extra as a result. Almost all other credit card companies allow you to pay as soon as you can.

Also, if you would like your cash back rewards sent to your bank account, you have to call customer service instead of choosing the options through the app. Why??? Please fix.

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