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    CrossCountry Mortgage

    1.0 (7 reviews)

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    Bread Financial - Screenshot of my credit card balance

    Bread Financial

    (9 reviews)

    Setup an account 8/5, wife listed as coowner. She completes her part via emailed link. We receive…read moreletter dated 8/7 demanding her DL, SS card, and a bank statement within 7 days. Documents produced and priority mailed on our dime. Arrives 8/18, she gets a two sentence email saying her account was rejected on 8/19. First call they want to talk to her, but she's not available. Second call I make (with her present) they change their story and I have to talk to their security department which is closed. Third call I give them the whole back story and am hung up on. Fourth call they say we have to start all over again and send her another email. Complete that, still nothing, fifth call and they can't tell me anything, so I just closed the account. (Still waiting on that because the original deposit is still "on hold".) Setting up a joint account is this insane? What a farce. I put the funds into in to a Vanguard Cash Plus account. The APY is slightly less, but setup was faster than a single call to Bread, and I didn't have to deal with an utter clown show in the process. Don't waste your time with this crew. Incompetence to this degree is simply staggering.

    I had an issues with one of my credit cards and did a consumer report complaint on bread fin. They…read moreended up retaliating against my other credit accounts and closed that card. Siting the can close for any reason. Yep dummies but not for retaliatory reasons. Not sure if it's worth a lawsuit but definitely considering it.

    CrossCountry Mortgage - mortgagelenders - Updated June 2026

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