Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
Private Administrative Notice & Demand for Immediate Remedy To : XXXX XXXX XXXX, Attn : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX : [ XX/XX/year> ] RE : Immediate Remedy DemandedUnauthorized XXXX XXXX Charges & Noncompliance ( Last XXXX : XXXX ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT ALL RIGHTS RESERVEDPRIVATE CREDITOR/STANDING IN TRUST, UCC XXXX Summary of Facts & Notice Card lost/stolen : [ Date, e.g., XX/XX/year> ] Unauthorized charge ( XXXX ) occurred : [ XX/XX/year>, ] Dispute filed with Robinhood : XX/XX/year> ] Police report filed : [ Report Number, XXXX, XXXX XXXX XXXX, XXXX Police Department ] Amount Disputed : XXXX Transactions XXXX XXXX and XXXX XXXX XXXX Robinhood denial issued : [ Date ( XXXX ) XXXX XXXX XXXX Supporting documentation attached : Police report, full dispute correspondence, Robinhood denial, witness affidavit Witness testimony attached : See Exhibit A Sworn Affidavit of Angel Gonzalez Violations, Rights & Remedies Violation of EFTA/Regulation E ( 12 CFR 1005 ) : Bank is required to

provisionally credit disputed funds and investigate in good faith ( 1005.11 ).

Liability for timely reported loss is strictly limited by law Violation of Truth in Lending Act ( 15 USC 1643 ) & FCBA : Maximum {$50.00} liability for unauthorized credit card use ; further limited by network XXXX liability rules.

Program Manager ( Robinhood ) Failure : Robinhood failed to honor these federal duties ; as issuer, you are now responsible for immediate cure. 
Equity, XXXX, & XXXX XXXX : You are placed on notice that I, the undersigned, act as secured party/authorized agent/creditor for the beneficial trust interest. All rights, both at law and in equity, are reserved. 
Silence or refusal to cure constitutes dishonor and commercial injury. 
Demand for XXXX XXXX You are hereby demanded to : Immediately reverse all disputed/unauthorized charges and issue full provisional credit, as required by law. 
Provide written findings and documentary evidence of your investigation and all actions taken. 
Restore all funds, access, and privileges impacted by the unauthorized transactions and subsequent delays. 

PRIVATE FEE SCHEDULEADMINISTRATIVE REMEDY ( with XXXX XXXX XXXX Injunction Clause ) Let this serve as final notice and opportunity to cure. Failure to provide full remedy within seventy-two ( XXXX ) hours of receipt constitutes : Tacit acceptance of my attached Private Fee Schedule ( Exhibit A ) : {$500.00} per calendar day for each day of continued nonperformance, dishonor, delay, or obstruction ; {$2000.00} per incident for any retaliatory action, adverse reporting, or interference with my beneficial use, access, or credit standing ; Actual and consequential damages are accruing due to deprivation of access, harm to credit, business interruption, loss of funds, and peace of mind.

Notice of right to litigation and equity injunction : By your continued delay or refusal, you agree to my right to seek immediate judicial and equitable relief, including but not limited to injunction, restraining order, and recovery of all damages, in any competent court or tribunal, without further notice.

Notice of commercial lien : If you remain in dishonor, I reserve the right to perfect and file an administrative or commercial lien against your entity and/or responsible officers.

Notice of regulatory complaint : All failures to cure will be reported to the CFPB, OCC, and any state or federal regulatory authority.

Acceptance by performance : Any further contact, processing, or communication after this notice is unconditional acceptance by performance under UCC 1-308/1-103 and trust law.

All rights reserved : This notice is made in private capacity as a secured party/creditor/trustee, with all God-given, trust, and commercial rights reservednot subject to statutory or corporate fiction jurisdiction. 
Exhibit A : Private Fee Schedule Item Description Amount Daily Nonperformance Fee Each day after XXXX hours with no full remedy $ XXXX Retaliation/Adverse Act Each incident of retaliation, adverse reporting, or harm $ XXXX Enforcement/Admin Surcharge Collection, enforcement, or court costs ( min 20 % surcharge ) Actual + 20 % Damages Actual/consequential damages due to bank 's failure To be determined All Lawful Remedies Including, but not limited to, lien, litigation, injunction Reserved This schedule forms part of the private contract by notice and acceptance by performance. 
Respectfully and with full reservation of rights, _________________________________________________ XXXX XXXX XXXX, XXXX XXXX Irrevocable Trust [ XXXX XXXX XXXX, XXXX, IN XXXX ] [ XXXX ] Attachments : Police Report ( e.g., XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Robinhood/Bank correspondence XXXX XXXX XXXX ( XXXX ) Full dispute timeline

Company response to consumer: Closed with explanation