Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
I am filing this complaint against Robinhood Financial LLC due to unfair restrictions on my ability to link debit cards to my brokerage account, inadequate customer support, failure to escalate or address internal complaints about support agents, and apparent lack of concern for properly training staff. This issue began when I attempted to link my previous XXXX  XXXX XXXX debit card. I initiated the verification process but canceled it before receiving the trial deposits, as I decided to use a different method. Subsequently, Robinhood 's system has blocked me from linking this card and multiple others citing internal reasons they refuse to disclose. All banks are compatible with having debit cards added with Robinhood. 

On or around XX/XX/year>, I contacted Robinhood Support regarding this issue in a prior interaction handled by agent XXXX  ( Case ID : XXXX ). I was very clear in requesting that XXXX forward my concerns to a manager for escalation, but he never did so, causing further delays in resolution. I also requested the case number multiple times, and he initially refused to provide it. 

This led to follow-up communications. On XX/XX/year>, I contacted Robinhood XXXX again via email. Agent XXXX  ( from Case ID : XXXX ) reviewed my accounts and stated that I had only attempted to link the card ending in XXXX XXXXXXXX, claiming it can not be linked but that I am still eligible for the debit card feature overall. However, I have attempted to link other debit cards, including the original XXXX  XXXX XXXX card that had caused an issue, and encountered similar issues, suggesting a broader block on my account or associated banks rather than a specific card problem. XXXX referenced the Robinhood Customer Agreement, noting that Robinhood can prevent any client from using features for any reason, but provided no specific explanation for this block. When asked if it is normal to impose such restrictions for not completing verification on one card, XXXX declined to answer, citing inability to disclose system specifics. 

This issue clearly stems from an issue in the system - I likely have an unverified debit card pending that is now blocking the use of all future debit cards. XXXX has stated that I'm allowed to use debit cards, but this is not true - I have tried numerous banks and should not be guessing as to which Robinhood will allow on my account vs. others. The banks I have tried are verified working with debit card support with Robinhood. 

Furthermore, in my communications with XXXX, I explicitly raised a complaint against XXXX and asked for it to be documented and addressed, but XXXX ignored this request entirely, providing no acknowledgment or follow-up. It is completely unacceptable for XXXX to ignore this complaint and then not look into the issues fully or get back on the case, despite my follow-up emails on XX/XX/XXXX and XX/XX/year>, where I reiterated my concerns and demanded a response within XXXX hours. I received no substantive reply addressing the root cause. On XX/XX/year>, I sent a final email noting the lack of response and my intent to escalate to the CFPB. Robinhood does not seem to care about properly training their staff, as evidenced by these repeated failures in handling customer requests and escalations. 

Robinhood 's actions violate fair treatment standards, as they are arbitrarily restricting access to account features without transparent reasoning or adequate support resolution. This has prevented me from fully utilizing my brokerage account for deposits and withdrawals, causing inconvenience and potential financial impact.

Company response to consumer: Closed with explanation