Unprofessional, toxic, and abusive environment - Customer Advocate Bread Financial Employee Review

1.0
Apr 17, 2019
Recommend
CEO approval
Business Outlook

Pros

Ok pay for a phone monkey job, great cafeteria, benefits

Cons

Toxic, abusive, consuming, unprofessional, HIGH turnover, no career advancement, no place for college educated professionals, office area VERY limited if you rely on public transportation. DON'T work here! The turnover rate is 58% for a reason. The environment is toxic and abusive. You are treated like a piece of equipment that had better not have any problems or you are threatened with your job. If you become ill or have any personal emergencies you will be penalized and threatened with your job. I wound up on short term disability due to illness and I almost wound up homeless because of the careless way AllianceData and their insurance company handled my claim and I caught both Alliance and the insurance company in lies regarding my claim. This place is unprofessional, and they will take anyone desperate for a job. If you are educated make sure you don't apply here because a degree is useless here, and your job will NEVER progress beyond being a phone monkey. Regardless of how the customers behave it is ALWAYS your fault and you will be threatened with your job if you can't make them love you or stop taking their own problems out on you. This job is fine for those suffering in food service or some other unskilled job, it's at least an office, but it is an office that uses people up until they can't take any more, and it's a dead end as far as progress or career goes. If you are someone who is educated, wanting to progress in life, and you expect to be treated like a human being, pass this place up, leave skid marks. If you are uneducated, have no real plans for your future, you don't mind being treated like garbage, or an expendable nothing, and if you don't have enough on the ball to make it in a professional company, this is your dream job. If this company is professional, how can a CEO keep his job when turnover is THAT high? You will also be promoting products that have horridly HIGH interest rates and very angry customers. You have been warned! If you lose your car or if you don't have one you really need to pass this place up. Public transportation in this area is VERY limited and if you work odd hours or weekends you will be paying for cabs or some other expensive transportation.

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Bread Financial Response
7y
Thank you for your feedback. We will take this feedback into consideration as we continue to evolve and grow.

Explore other reviews about Bread Financial

5.0
Jul 8, 2026
Recommend
CEO approval
Business Outlook

Pros

Good job stability and healthy work life balance and flexible working arrangements.

Cons

Lower Compensation and annual performance hikes often lag behind.

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Bread Financial Response
3d
Thank you for the review. We appreciate your positive comments regarding work life balance and flexibility as we try to make that a priority for our associates and their well-being. We also understand your concerns regarding compensation and will take that feedback to improve the associate experience for all. We thank you for your 3 years of contribution to the organization and wish you the best.
1.0
Jul 7, 2026
Anonymous employee
Recommend
CEO approval
Business Outlook

Pros

There are some really great and knowledgeable people to work with and learn from and most...most are cooperative and helpful. I DID have a few wonderful supervisors who really helped me learn and progress

Cons

The previous post couldn't have said it better. Leadership is completely out of touch and does little to help anyone and is there to serve correctives. And once you hit one like that and you don't mesh..they will look for ways to get people out that they seem a threat..bc they ARE helpful.

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Bread Financial Response
3d
Thank you for taking the time to leave a review with us. We understand your frustrations and we appreciate you letting us hear about your experience. We'll be sure to relay your feedback with the appropriate leadership as we strive to improve the associate experience for all. We thank you for your 10 years of contribution to the company and wish you all the best in your future endeavors.
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