Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am filing this complaint against Robinhood regarding its handling of a billing dispute on my Robinhood XXXX XXXX ( issued by XXXX XXXX XXXX, serviced by Robinhood Credit , Inc. ). Robinhood Case ID : XXXX. On XX/XX/XXXX, I disputed a {$50.00} charge from XXXXXXXX XXXX. The items I actually ordered totaled under {$10.00}, with a promo code applied, and I never received an order confirmation or the food. I was effectively charged roughly ten times the value of my order apparently for someone else 's purchase. Before filing, I contacted the merchant directly on FXX/XX/XXXX and received no response. Over the following weeks I provided Robinhood with supporting documentation on at least three separate occasions XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX including details of my actual order showing the correct, far lower amount, and the date I contacted the merchant. Robinhood acknowledged receiving this information and confirmed it was added to my dispute case. Despite this, Robinhood denied the dispute three times on XXXX XX/XX/XXXX, again on XXXX XX/XX/XXXX, and a final time on XX/XX/XXXX. None of these denials engaged with the evidence I submitted. The XX/XX/XXXX denial gave a single boilerplate justification, " Merchant provided services, '' which directly contradicts the documented fact that I never received the order and were overcharged by more than {$40.00}. At no point did Robinhood explain how it reconciled my evidence with that conclusion, or what investigation, if any, it actually conducted. On XX/XX/XXXX, I formally requested escalation to a supervisor and asked for a response within two business days. Robinhood did not escalate the matter. Instead, on XX/XX/XXXX, it replied that the investigation was " complete, '' that there were " no further steps '' it would take, and that the case was " closed '' again without addressing any of the evidence I had repeatedly provided. Earlier responses had simply directed me back to the original denial email rather than substantively reviewing my claim. The effect is that Robinhood denied a documented billing dispute without conducting or demonstrating any reasonable investigation, refused to escalate when asked, closed the case unilaterally, and indicated it would report my account to the credit bureaus with this disputed balance attached. This pattern repeated denials with no substantive explanation, failure to engage with submitted evidence, and refusal to escalate does not reflect a good-faith investigation of a billing error. I am requesting : ( 1 ) a full refund of the {$50.00} disputed charge ; ( 2 ) a genuine, documented re-investigation of the dispute ; ( 3 ) confirmation that no negative or disputed-balance information related to this charge will be reported to XXXX, XXXX, or XXXX; and ( 4 ) a written explanation of the basis for the prior denials.

Company response to consumer: Closed with explanation