Shoppers Help Center

Please contact the retailer about your damaged merchandise. You are required to make payments on your Bread Pay™ account until the balance is paid or credited in full. Any refunds for damaged goods will be applied as a credit to your account, reducing the amount you owe.

If the retailer is unresponsive to your query, or acts outside of their listed policy, you may contact our Member Support team to see if we can assist.

Please contact the retailer directly regarding the products ordered, the delivery of your items, a requested cancellation or return, or any other questions about the status of your items. If the retailer is unresponsive to your query, or acts outside of their listed policy, please contact our Member Support team. Depending on the retailer you purchased from, Bread Financial™ may or may not be able to raise an order dispute on your behalf with the retailer after sufficient evidence is provided. Based on your retailer, if we are able to open a formal order dispute, we require the following to initiate your order dispute:

1. Evidence of your correspondence with the retailer that is an attempt to resolve the dispute
2. The loan amount being disputed
3. A description of the nature of the dispute, including the items disputed
4. If the order dispute is due to incorrect or damages products, we also require picture evidence of this

If we open a dispute with the retailer, that dispute can take up to 90 days to reach a resolution and must be initiated within 30 days of your checkout for Bread Pay™ SplitPay, or within 120 days of your checkout with a Bread Pay™ installment loan.

You are required to make payments on your Bread Pay account until the retailer resolves your query or Bread Financial resolves a dispute in your favor.

If a partial refund is issued to your loan, the refund will be applied to the outstanding loan amount. Your installment payments will not change; however the number of installment payments to pay off your loan may be shortened and the total interest paid may decrease. Any refunds issued in excess of your current account balance will result in a refund. This credit will be returned to the payment method used to make payments on your Bread Pay™ Account in 7-10 business days.

If a refund is issued in full, any payments made on your loan will be returned to you less any accrued interest, return shipping fees, or restocking fees.

Any cancellations or refunds issued in excess of your current account balance will result in a customer credit. This credit will be returned to the payment method used to make payments on your Bread Pay™ Account.

To dispute information Bread Financial reported to a credit bureau, you should file a dispute with the credit bureau where you observed the information you believe is inaccurate.