HackingFinancial ServicesFinanceStolen CredentialsFinancial accountGovernment IDHighResolved

Bread Financial Payments, Inc.

bd_3c359a961b62efe0 · schema v1 · pii pii-v1

Severity

High

Discovered

Apr 28, 2023

Filed

May 22, 2023

To disclose

24 days

Affected · nationwide

15,525180 in this filing

Linked

4 filings

Confidence

50%

Full breach record for Bread Financial Payments, Inc. →2 incidents on file

An unauthorized third party gained access to customer accounts for individuals who had not yet set up online profiles. Using stolen credentials from an unknown source, the actor accessed these accounts and redeemed credit card reward points for cash. The compromised information included credit card numbers, the last four digits of Social Security numbers, and zip codes.

J jump to incidentP pin to compareR raw source

Maine clockDiscovered Apr 28, 2023 → Filed with AG May 22, 202324d ✓ ME AG ≤30d24 days discovery → filing

Incident timeline

undetected · 28 days

discovery → filing · 24 days

Mar 31, 2023

Begins

Apr 28, 2023

Discovered

May 22, 2023

Filed

vs. sector median

6 wks faster

This filing is one of 4 about the same incident.View merged incident

Linked disclosures

Why this link?

Regulatory filings (3) · sorted by filing gap

Montana State AGbd_6864ff4c1631a3832023-05-22Verified
California State AGbd_a02d2cbeec1fb4f02023-05-22Verified
Massachusetts State AGbd_216cbd80719d97b52023-05-23 · +1dVerified

Name: Bread Financial Payments, Inc.
norm: bread financial payments

Name: Bread Financial Payments, Inc.
norm: bread financial payments
Industry: Financial Servicesllm

Discovered: Apr 28, 2023
Breach occurred: Mar 31, 2023
Undetected for: 28 daysoccurrence → discovery
Materiality determined: —
Notification sent: May 22, 2023
Affected individuals: 15,525state + nationwide
Data types: Financial accountGovernment ID
Data elements: Financial account numberSocial Security number
Attack vector: Unauthorized Access
Threat actor: ExternalFinancial

Changes made: Offered 12 months of credit monitoring and identity protection services through Experian IdentityWorks
Source: Quoted from the filing itself, not independently verified.

Time to disclose: 24 days(24 days from discovery to filing)
Compliance flags: ME AG ≤30d · 24d
Discovery-date grounding: letter-groundedThe discovery date is the detection date narrated in the notification letter — the defensible tier.
Clock breakdown: Statute Window Elapsed Threshold Status
Maine
Discovered: Apr 28, 2023
→ Filed with AG: May 22, 2023
24d 30 days ME AG ≤30d

Statute	Window	Elapsed	Threshold	Status
Maine	Discovered: Apr 28, 2023 → Filed with AG: May 22, 2023	24d	30 days	ME AG ≤30d

Status: No extraction artifact recorded for this disclosure.

Filing propagation · 4 filings · 4 states

View merged incident ↗

Montana State AGMay 22 · first

California State AGMay 22 · first

Maine State AGMay 22 · first · this page

Massachusetts State AG+1d

Evidence ladder

Leak-site claim

Attacker assertion only. Establishes: claim date, group, alleged victim.

Press / market report

Unlocks: incident narrative, operational impact. Still no compliance clock.

State AG / regulator filingThis record

Unlocks: discovery date, data types, affected count, compliance clock.

SEC 8-K / victim statement

Unlocks: materiality, stated response, full audit trail. Ceiling removed.

Source URL: https://www.maine.gov/agviewer/content/ag/985235c7-cb95-4be2-8792-a1252b4f8318/65f515a0-2ece-423b-b34b-e96c129de133.shtml
DisclosureLens links to the originating regulator URL — full filing bodies are not redistributed from public surfaces (§4.5).
Filed at: May 22, 2023
Raw hash: e59b2c42a4ddf1be5dafd3e149336ef4d1b5d687ae305c20951ebb18f80d979b

Linked disclosures

Regulatory filings (3) · sorted by filing gap

Reporting entityBread Financial Payments, Inc.

Victim entityBread Financial Payments, Inc.

Incidentdiscovered Apr 28, 2023

Stated responseOffered 12 months of credit monitoring and identity protection services through Experian IdentityWorks

ComplianceME AG ≤30d

Extraction provenanceno artifact recorded

Source provenancewww.maine.gov