What is the lifecycle of a dispute?

Note

Cash Management is no longer accepting new customers at this time. If you currently use Cash Management, you can sign up to switch to the Robinhood spending account.

Disputes go through a few phases before they’re resolved.

  1. Report

You can file a dispute directly from the transaction details page. Select the transaction you’d like to dispute then tap dispute.

  1. Investigation and Chargeback

Our card processor uses the information from your report to perform an investigation and reach out to the merchant. If your initial report doesn’t include all the details that were requested, a support agent will email you directly.

You may be issued a temporary credit up to 10 business days after the date of the initial dispute.

  1. Merchant Responds

The details for how a merchant responds will vary depending on details of individual disputes. For example, for unauthorized transactions, here is generally what happens: When our card processor reaches out to the merchant, the merchant has 90 days to respond to the chargeback. During this time period, the merchant could gather documentation to show the charge to be valid from their end, in which case, you might not win the dispute. If they don’t respond, we close the dispute, and you will be permanently credited the dispute amount.

  1. Resolution

Depending on the response from the merchant, our card processor will rule positively or negatively on the dispute. Or, in the case of an unresponsive merchant, after 90 days passes (or 45 days if you’re disputing a transaction at an ATM) the dispute will be ruled positively in your favor.

Keep in mind

In most cases, speaking directly with the merchant will resolve your debit card disputes much faster than it would take Robinhood to investigate and resolve the dispute with you.

Under the card network rules, the merchant has 90 days to respond to our dispute claim. This doesn’t mean that it will absolutely take 90 days to resolve your dispute, but just that by the network rules, it can take that long in fairness to all parties. Therefore, the more details you can provide and more evidence you have of your dispute, generally the faster the process will go.

Reference No. 20210311-1559523-4681146
Still have questions? Contact Robinhood Support

Brokerage services are offered through Robinhood Financial LLC, (“RHF”) a registered broker dealer (member SIPC) and clearing services through Robinhood Securities, LLC, (“RHS”) a registered broker dealer (member SIPC). Cryptocurrency services are offered through Robinhood Crypto, LLC (“RHC”) (NMLS ID: 1702840). Robinhood Crypto is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. The spending account is offered through Robinhood Money, LLC (“RHY”) (NMLS ID: 1990968), a licensed money transmitter. A list of our licenses has more information. The Robinhood Cash Card is a prepaid card issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. RHF, RHY, RHC and RHS are affiliated entities and wholly owned subsidiaries of Robinhood Markets, Inc. RHF, RHY, RHC and RHS are not banks. Products offered by RHF are not FDIC insured and involve risk, including possible loss of principal. RHC is not a member of FINRA and accounts are not FDIC insured or protected by SIPC. RHY is not a member of FINRA, and products are not subject to SIPC protection, but funds held in the Robinhood Money spending account and Robinhood Money Cash Card account may be eligible for FDIC pass-through insurance (see the Robinhood Cash Card Agreement and the Robinhood Spending Account Agreement).

Options trading entails significant risk and is not appropriate for all customers. Customers must read and understand the Characteristics and Risks of Standardized Options before engaging in any options trading strategies. Options transactions are often complex and may involve the potential of losing the entire investment in a relatively short period of time. Certain complex options strategies carry additional risk, including the potential for losses that may exceed the original investment amount.

Commission-free trading of stocks, ETFs and options refers to $0 commissions for Robinhood Financial self-directed individual cash or margin brokerage accounts that trade U.S. listed securities and certain OTC securities electronically. Keep in mind, other fees such as trading (non-commission) fees, Gold subscription fees, wire transfer fees, and paper statement fees may apply to your brokerage account. Please see Robinhood Financial’s Fee Schedule to learn more.

© 2023 Robinhood. All rights reserved.
Follow us on

Brokerage services are offered through Robinhood Financial LLC, (“RHF”) a registered broker dealer (member SIPC) and clearing services through Robinhood Securities, LLC, (“RHS”) a registered broker dealer (member SIPC). Cryptocurrency services are offered through Robinhood Crypto, LLC (“RHC”) (NMLS ID: 1702840). Robinhood Crypto is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. The spending account is offered through Robinhood Money, LLC (“RHY”) (NMLS ID: 1990968), a licensed money transmitter. A list of our licenses has more information. The Robinhood Cash Card is a prepaid card issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. RHF, RHY, RHC and RHS are affiliated entities and wholly owned subsidiaries of Robinhood Markets, Inc. RHF, RHY, RHC and RHS are not banks. Products offered by RHF are not FDIC insured and involve risk, including possible loss of principal. RHC is not a member of FINRA and accounts are not FDIC insured or protected by SIPC. RHY is not a member of FINRA, and products are not subject to SIPC protection, but funds held in the Robinhood Money spending account and Robinhood Money Cash Card account may be eligible for FDIC pass-through insurance (see the Robinhood Cash Card Agreement and the Robinhood Spending Account Agreement).

Options trading entails significant risk and is not appropriate for all customers. Customers must read and understand the Characteristics and Risks of Standardized Options before engaging in any options trading strategies. Options transactions are often complex and may involve the potential of losing the entire investment in a relatively short period of time. Certain complex options strategies carry additional risk, including the potential for losses that may exceed the original investment amount.

Commission-free trading of stocks, ETFs and options refers to $0 commissions for Robinhood Financial self-directed individual cash or margin brokerage accounts that trade U.S. listed securities and certain OTC securities electronically. Keep in mind, other fees such as trading (non-commission) fees, Gold subscription fees, wire transfer fees, and paper statement fees may apply to your brokerage account. Please see Robinhood Financial’s Fee Schedule to learn more.

© 2023 Robinhood. All rights reserved.