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
Jun 18, 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
Jun 18, 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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