Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
I am filing this complaint against Robinhood Credit , Inc. ( issuer of the Robinhood Gold Credit Card ) regarding multiple issues with my account, including improper fee/interest charges due to a failed autopay, display of an inaccurate balance causing significant distress during a mortgage application, and unreasonable delays in customer service response when attempting to cancel the card. 

Account Details : - Robinhood Gold Credit Card - Account ending in XXXX - Card opened and received in XX/XX/XXXX Issue XXXX : Improper Late/Returned Payment Fees and Interest from Failed Autopay ( {$180.00} total ) I set up autopay on my account shortly after activation to ensure timely payments from my linked bank account. In late XXXX XXXX, Robinhood claimed they were unable to charge my bank account because the " account could not be found. '' This explanation is demonstrably false, as I was able to successfully make a manual payment immediately after discovering the issue without changing any bank information or linkage details.

As a direct result of this alleged failure ( which appears to be on Robinhood 's end ), they charged me a total of {$180.00} in late fees, returned payment fees, and interest. Their notification email about the payment failure went to my spam folder, so I was unaware until XXXX XXXX, even if received, the root cause was their inability to process the autopay despite correct setup and no changes on my banking side. I request a full refund/credit of these {$180.00} in fees and interest, as they stem from Robinhood 's processing error, not any action or fault on my part.

Issue 2 : Display of Inaccurate Credit Card Balance Causing Significant Distress On XX/XX/XXXX, my account balance was incorrectly shown as {$6800.00} in the Robinhood app and/or statements. This caused me extreme stress and potential harm, as I was actively in the process of applying for a mortgage at the timean inflated balance could negatively impact my debt-to-income ratio or credit perception. 

The next day ( XX/XX/XXXX ), I manually reviewed and summed all transactions and fees, determining the actual balance was approximately {$2300.00}. I contacted Robinhood support, and a few hours later, they corrected the balance to the accurate amount. Their explanation was that it was the " result of an internal system error. '' This error was unacceptable, especially given the timing and potential real-world consequences during a major financial application. I request confirmation that this error was isolated, any related negative reporting ( if any ) was corrected, and an explanation of steps taken to prevent recurrence. 

Issue 3 : Unreasonable Delays in Customer Service When Attempting to Cancel the Card After these issues, I decided to cancel the card. I reached out to Robinhood customer service ( via app chat/email/support tickets ) multiple times, but representatives failed to respond or follow up for several days. This lack of timely assistance caused additional frustration, stress, and uncertainty, particularly while dealing with the above problems. 

I have been a responsible cardholder otherwise, with no prior issues, and set up autopay precisely to avoid problems. These errors appear to stem from Robinhood 's systems and processes, not consumer error. 

Requested Resolution : - Full refund/credit of the {$180.00} in fees and interest from the autopay failure.

- Written confirmation that the balance display error was corrected and did not result in any negative credit reporting or other harm. 
- Reimbursement or waiver of any related charges if applicable.

- Assurance of improved systems to prevent autopay failures, inaccurate balance displays, and delayed customer service responses.

I have attached [ list attachments, e.g., screenshots of statements showing incorrect {$6800.00} balance vs. corrected {$2300.00} ; transaction history ; fee charges ; email notifications ; support ticket screenshots ; proof of manual payment success ]. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation