Datasets › Lender stress › Bread Financial Holdings, Inc.
Lender stress: Bread Financial Holdings, Inc.
Ticker BFH. Three public records about this lender, one panel each. They are not combined: each has its own source, date and caveat.
The three records are reported separately and measure different things. Showing them together does not mean one explains another. Information, not investment advice.
Bank card and auto loans at Bread Financial Holdings, Inc.
Past-due and charge-off rates of the lender's bank subsidiaries, from FDIC call reports
Not reported for this lender.
Credit card metrics at Bread Financial Holdings, Inc.
Oct 2026Monthly charge-offs and late payments on credit card loans, from Bread Financial Holdings, Inc.'s own reports and the card trusts it sponsors, filed with the SEC
Bread Financial Issuer-wide
Oct 2026: net charge-offs 6.69% (-0.8 pp against a year earlier), 30+ days late 5.64%(-0.5 pp), loans $19.0B. Bread Financial's credit card and other loans.
| Month | Net charge-offs | 30+ days late | Loans |
|---|---|---|---|
| Oct 2026 | 6.69% | 5.64% | $19.0B |
| Sep 2026 | 5.99% | 5.57% | $18.9B |
| Aug 2026 | 6.4% | 5.36% | $18.7B |
| Jul 2026 | 6.8% | 5.35% | $18.5B |
| Jun 2026 | 6.88% | 5.25% | $18.5B |
| May 2026 | 6.98% | 5.24% | $18.4B |
| Apr 2026 | 7.09% | 5.34% | $18.1B |
| Mar 2026 | 7.23% | 5.59% | $18.1B |
| Feb 2026 | 7.7% | 5.8% | $18.1B |
| Jan 2026 | 7.1% | 5.9% | $18.4B |
| Dec 2025 | 7.4% | 5.8% | $18.8B |
| Nov 2025 | 7.4% | 6.0% | $18.1B |
| Oct 2025 | 7.5% | 6.1% | $17.7B |
Loss rate as the issuer labels it: 'Net principal loss rate'.
- Bread Financial, Jan 2024 (definition changed): From January 2024 Bread reports the loss rate on the daily average balance. Before that it used the average of the month's opening and closing balance. Changes are not computed across this month.
- Bread Financial, Jan 2021: The fall to 4.6% follows the December 2020 net charge-off figure of 118.3 million, which was as filed.
- Bread Financial, Dec 2020: As filed: December 2020 net charge-offs were 118.3 million on 16.2 billion of average loans, which is the 8.7% shown. The filing gives no reason; the rate was 5.2% in November and 4.6% in January.
Source: the issuers' and trusts' filings with the SEC (Forms 8-K and 10-D), newest month Oct 2026. US public records (SEC EDGAR), public domain. Percentages are as each issuer reports them. Definitions differ between issuers and between a trust and its issuer. Not investment advice.
Consumer complaints at Bread Financial Holdings, Inc.
Jul–Sep 2026Complaints to the CFPB about Bread Financial Holdings, Inc.: trend, products, issues, answered in time and closed with relief
Jul–Sep 2026: 2,126 complaints, -8.5% against Jul–Sep 2025 (2,323). 100% were answered in time; 38% of the 2,119 closed ended with monetary or non-monetary relief.
Complaints by month
By product, Jul–Sep 2026
| Product | Complaints | Share | Year earlier | ChangeAgainst the same three months a year earlier. Shown when that window had at least 50 complaints. | In timeShare of complaints the company answered within the CFPB's deadline. | ReliefShare of closed complaints that ended with monetary or non-monetary relief for the consumer. |
|---|---|---|---|---|---|---|
| Credit card | 939 | 44% | 701 | +34.0% | 100% | 47% |
| Credit reporting or other personal consumer reports | 684 | 32% | 924 | -26.0% | 100% | 28% |
| Debt collection | 440 | 21% | 661 | -33.4% | 100% | 37% |
| Payday loan, title loan, personal loan, or advance loan | 41 | 2% | 17 | — | 100% | 40% |
| Checking or savings account | 13 | 1% | 10 | — | 100% | 46% |
| Prepaid card | 5 | 0% | 1 | — | 100% | 25% |
| Debt or credit management | 2 | 0% | 8 | — | 100% | 50% |
| Money transfer, virtual currency, or money service | 2 | 0% | 1 | — | 100% | 100% |
Biggest issues
| Issue | Complaints | Year earlier |
|---|---|---|
| Incorrect information on your report Credit reporting or other personal consumer reports | 409 | 525 |
| Fees or interest Credit card | 319 | 216 |
| Took or threatened to take negative or legal action Debt collection | 177 | 311 |
| Attempts to collect debt not owed Debt collection | 152 | 171 |
| Problem with a purchase shown on your statement Credit card | 143 | 92 |
| Problem with a company's investigation into an existing problem Credit reporting or other personal consumer reports | 137 | 204 |
| Improper use of your report Credit reporting or other personal consumer reports | 120 | 184 |
| Getting a credit card Credit card | 76 | 76 |
Complaints are unverified and grow with a company's customer count; compare trends, not totals. Source: CFPB Consumer Complaint Database (CFPB), complaints received through 2026-11-11. The newest 15 days are left out: the CFPB publishes a complaint up to 15 days after it arrives.
Information, not investment advice (disclaimer). All lenders.