They treat you like a Machine. - Anonymous employee Bread Financial Employee Review

2.0
7 Mar 2015
Anonymous employee
Recommend
CEO approval
Business outlook

Pros

Good benefits. Good pay. Leadership WAS good in that it was personable but now they are very strict, by the book and talk to you much like they are machines.

Cons

Requires you to adhere to exact schedule which they call "adherence". Only goes by the book without regard to human factors. They expect you to remain on the phone up to the very minute but the human body doesn't always go by a time clock. They expect you to get off the phone with the customer at the very minute you are suppose to take a break, but do not allow you to put your phone in personal a minute or 2 b4 that time so that you can abide by it. Takes advantage of the elderly because of due dates and charges excessive late fees. The benefits are good but after a while it wears on you to have to make people happy who are essentially being screwed because of bank manipulation tactics. They offer a bonus to those who do meet the metric requirements, however, they approach it as though you were some kind of machine and if you don't meet it because of going over on a phone call or because you and to go to the bathroom between breaks you lose. If you had to stay on the phone with a customer past your break time you pay for it by losing your bonus that month even though you are doing your job.

Explore other reviews about Bread Financial

5.0
18 June 2026
Recommend
CEO approval
Business outlook

Pros

Great benefits, family oriented, great pay opportunity, and growth.

Cons

Work could get incredibly slow.

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Bread Financial Response
4d
Thank you for the review! We work diligently to ensure our compensation package is competitive with the market so it's nice to see those comments made here. We appreciate your feedback and thank you for your 3 years of support to the company!
5.0
18 June 2026
Recommend
CEO approval
Business outlook

Pros

Strong learning and development opportunities Supportive and approachable team culture Encourages personal and professional growth

Cons

Some growth opportunities may take time.

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Bread Financial Response
4d
Thank you for taking the time to write a review with us! We're happy to hear that your time with us has met your expectations! We appreciate your feedback as it helps us understand areas we are doing well and areas to improve.
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