Consumer complaint received 2026-04-10 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: NY

Complaint narrative:
I am filing this complaint against Robinhood Credit Card ( Robinhood Money LLC ) for failure to properly investigate and resolve a billing dispute involving a {$2300.00} charge from XXXX for a XXXX that I never received. TIMELINE OF EVENTS : - XX/XX/year> : XXXX shipped a XXXX via XXXX ( tracking number XXXX ) to my address at XXXX XXXX XXXX XXXX XXXX, DE XXXX. - XX/XX/year> : XXXX marked the package as delivered at XXXX XXXX, signed by an individual named " BILL '' at a dock location. I was physically present at this address and never personally received this item. I did not authorize any third party to sign for or accept this package on my behalf. - XX/XX/year> : I filed a formal dispute with Robinhood Credit Card for non-receipt of merchandise. - XX/XX/year> : After 65 days, Robinhood denied my dispute, citing only that " documentation indicates that the merchandise was delivered as described. '' No verification was made that I, the cardholder, personally received the item. - XX/XX/year> : I submitted a formal written rebuttal to XXXX with the following supporting documentation attached : XXXX Proof of Delivery confirming a third-party signature by " BILL '' at a dock ( not me ), an FBI XXXX XXXX XXXX XXXX XXXX XXXX ) report filed at XXXX, and a Federal Trade Commission XXXX FTC ) fraud report filed at XXXX. GROUNDS FOR COMPLAINT : 1. INADEQUATE INVESTIGATION : Robinhood resolved my dispute solely based on the merchant 's delivery documentation without confirming that I, the cardholder, personally received the merchandise. A XXXX delivery scan and a third-party signature do not constitute proof of receipt by the cardholder. This fails to meet the proper standard of investigation required under the Fair Credit Billing Act ( FCBA ). 2. UNREASONABLE DELAY : My dispute was filed on XX/XX/year>. Robinhood took 65 days to respond, causing prolonged financial hardship with {$2300.00} unresolved. I was then given only 10 days to respond a disproportionate and unreasonable standard applied against the consumer. 3. FAILURE TO CONSIDER EVIDENCE : The XXXX Proof of Delivery clearly shows the package was received by a third party named " BILL '' at a dock not by me personally. This key fact was apparently disregarded in Robinhood 's investigation. RESOLUTION REQUESTED : I am requesting that the CFPB require Robinhood Credit Card to reopen and properly reinvestigate this dispute, apply a permanent credit of {$2300.00} to my account, and conduct their investigation in accordance with the Fair Credit Billing Act, which requires that a dispute be resolved in the cardholder 's favor when the merchant can not prove the cardholder personally received the merchandise. I have filed reports with both the FBI XXXX XXXX XXXX XXXX ( XXXX ) and the Federal Trade Commission ( FTC ) regarding this matter. All documentation is available upon request.

Company response to consumer: Closed with explanation