Please contact the retailer directly regarding merchandise issues, order delivery, cancellation and return requests, or any other questions about the status of your order. If the retailer doesn’t respond to your query, or acts outside of their listed return or cancellation policy, contact our Member Support team.
Depending on the retailer you purchased from, our team may be able to open a formal order dispute on your behalf with the retailer. If we’re able to do so, we'll need the following:
- Evidence of your correspondence with the retailer showing how you attempted to resolve the issue
- The amount being disputed
- A description of the items disputed and nature of the dispute
- Picture evidence if the order dispute is due to incorrect or damaged products
If we open an order dispute with the retailer, it may take up to 90 days to reach a resolution. If you checked out in-store with a Bread Pay™ virtual card, it may take up to 120 days to reach a resolution.
All order disputes must be initiated within 30 days of your loan origination date.
Please note that payments are still due on your loan until your balance is paid off or refunded in full by the retailer. Any refunds from the retailer should be credited to your account, which will reduce your balance