Bread Financial reviews

4.2

82% would recommend to a friend

(1,711 total reviews)
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Ralph Andretta

91% approve of CEO

81% positive business outlook

Bread Financial has an employee rating of 4.2 out of 5 stars, based on 1,711 company reviews on Glassdoor which indicates that most employees have an excellent working experience there. The Bread Financial employee rating is in line with the average (within 1 standard deviation) for employers within the Financial Services industry (3.7 stars).

Reviews by job title

2K reviews
1.0
Jul 10, 2018
Recommend
CEO approval
Business Outlook

Pros

Great benefits (matching 401k, health and life insurance). A lot of time off is provided. The managers are great at pretending to care. Some of the zero calls are disputed. There is a facade of friendly culture and if you buy into it, you might enjoy this job. Their music videos are incredible and put together by a professional team of editors.

Cons

The time off must be scheduled at least a month in advance or a penalty is given for using it. It cannot be used as sick time . I was almost terminated for calling in twice because of the point system. Once because I had a dr's note and had laryngitis and the other time because my daughter had croup . No option to switch clients, once you're assigned to a bucket, you cannot be moved. They constantly mess up the scheduling and it takes weeks to fix. Negative surveys that you have no control over are weighed more heavily than positive surveys where you genuinely helped the client. Extremely inconsistent. The supervisors will not always back you up even if you're correct. You get lectured on your stats and not waiving fees, then the supervisor turns around and waives a customer's entire balance. They will even try to talk you into breaking the rules to avoid taking the escalated call. It does not matter if you yourself are rated at 100%, if the company is rated zero even for something outside of your control, then the call is a failure and weighs heavily against you. Favoritism. Associates who take easier shorter calls will be ranked higher than associates who take difficult longer calls, despite the former associates doing more to help the customer. It is not about helping the customer, its just about numbers. Not being allowed to hang up on abusive customers takes a toll on mental health. Being micromanaged is tiring. They will sit employees in a room and have all supervisors from all three sites on the phone and everyone will listen to the calls and rate them. The associate in the hot seat is basically roasted by all the supervisors at once. It is not a private discussion between your supervisor and yourself, but instead a humiliating roast that shames you into doing better on your calls. The system is set up so someone is ALWAYS at the bottom. Even if everyone in the entire call center did amazing, there would still be at least 20 associates in the "RED" because the ranking system is set up to always have people at the bottom in the red. Not everyone can be green all at once. Training from other associates with less experience and knowledge. They will have employees who are not even in your bucket and less tenure train you on how to take calls in your bucket. All of the growth and opportunities are sideways instead of up.

1.0
Mar 26, 2017

Na

Recommend
CEO approval
Business Outlook

Pros

Money Is good for the area

Cons

No work life balance in Recovery

1.0
Aug 20, 2015

Ugh

Recommend
CEO approval
Business Outlook

Pros

None i can't think of too many good things there. The cafe was great but they managed themselves

Cons

Complete lack of structure, everyone is completely lost, they handle credit cards you'd think they'd have to have a few brain cells

Viewing 55 - 57 of 1,711 Reviews

Glassdoor has 1,781 Bread Financial reviews submitted anonymously by Bread Financial employees. Read employee reviews and ratings on Glassdoor to decide if Bread Financial is right for you.