Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
What Happened I hold a Robinhood Gold Card credit card account, issued by XXXX XXXX XXXX through Robinhood Credit , Inc . I am filing this complaint because Robinhood has charged me interest as a result of failures in their own payment processing system, has refused to acknowledge those system failures, and has provided XXXX contradictory explanations from XXXX different support managers for the same incident. I have made multiple good-faith attempts to resolve this directly with Robinhood and have been unable to get a substantive response. There are XXXX separate incidents at issue, both caused by Robinhood system behavior. Incident XXXX : a scheduled payment did not process. I scheduled a payment through Robinhood 's system. Robinhood 's platform provides no mechanism for account holders to verify that a scheduled payment is queued, pending, or will execute on the scheduled date. There is no confirmation screen, no pending payment indicator, and no way to check payment status through either the Robinhood app or website. The payment did not process. On the day the payment was due, I contacted Robinhood customer service to flag the issue and ask how to verify whether my payment was processing. I received no response for approximately XXXX days. Robinhood attributed the delay to an internal system failure that required them to rebuild their customer service infrastructure. When Robinhood eventually responded, they waived the resulting interest charge of {$200.00} and characterized the waiver as a " one-time courtesy. '' They did not acknowledge the system failure, did not explain why the payment failed to process, and did not address the absence of any payment verification feature on their platform. Incident XXXX : the " pay statement balance in full '' button submitted an incorrect amount and posted late. The following month, I used Robinhood 's " pay statement balance in full '' button on the due date to pay my full statement balance of {$5700.00}. Robinhood 's system submitted a payment that was approximately {$40.00} short of the actual statement balance. I identified the discrepancy and paid the remaining amount the following day. Robinhood now states that because the full statement balance was not received by the due date, my interest-free grace period was lost and a residual interest charge of {$150.00} was assessed on my XX/XX/XXXX statement. Robinhood refuses to waive this charge, citing the prior {$200.00} waiver as an already-granted " one-time courtesy. '' I used Robinhood 's own " pay statement balance in full '' payment tool, on the due date, through their own platform. If their tool calculated the wrong amount, that is a system error, not a customer error. A payment submitted through the issuer 's own platform on the due date should be treated as paid on the due date. XXXX Contradictory Explanations from XXXX Robinhood Managers After my initial complaint to Robinhood, I received XXXX separate responses from XXXX different support managers. Each provided a different explanation for the same payment. XXXX ( Support Manager ) stated that Robinhood received my payment of {$5700.00} on XX/XX/XXXX, and characterized the resulting charge as residual interest because the statement balance was not paid in full by the due date. XXXX ( Support Manager ) stated that the payment was scheduled to process on XX/XX/XXXX, after the XX/XX/XXXX due date, and that " there were no issues with our payment system. '' He also referenced an additional interest charge of {$310.00} a figure that does not appear elsewhere and was later disavowed by another manager. XXXX ( Manager ) stated that I scheduled the payment for XX/XX/XXXX, that it was dispatched XX/XX/XXXX, and that it cleared XX/XX/XXXX. She advised that I should schedule payments " at least XXXX business days before your due date to account for standard bank processing times. '' She also confirmed there is no {$310.00} charge, contradicting XXXX directly. These XXXX accounts can not all be correct. XXXX of the XXXX managers shifted the dates. XXXX invented an interest charge that does not exist. None of them addressed the central facts : that Robinhood 's platform provides no payment verification mechanism, that their " pay statement balance in full '' button submitted an incorrect amount, and that I used their own payment tool on the due date. XXXX 's recommendation that customers schedule payments XXXX business days early to account for processing delays is itself an admission that Robinhood 's payment system does not function the way a reasonable customer would expect. A credit card issuer can not offer a " pay on the due date '' function and then assess interest because their backend takes additional days to settle the payment. Pattern of System Failures and Failure to Address Them Across both incidents and XXXX responses from Robinhood managers, the following technical issues have been raised by me and have not been addressed by Robinhood : There is no way for an account holder to verify that a scheduled payment is queued or will process. Scheduled payments can fail silently without notification. The " pay statement balance in full '' button can submit a payment for an amount less than the actual statement balance. Payments submitted through Robinhood 's platform on the due date may not be credited as on-time payments. Customer service was completely unresponsive for approximately XXXX days due to internal Robinhood system failures. In their responses, Robinhood has issued XXXX corrective credit, framed it as a " one-time courtesy, '' and used that framing as grounds to deny relief on a separate, unrelated system failure. They have provided XXXX contradictory explanations and have not acknowledged any of the underlying technical issues.

Company response to consumer: Closed with explanation