Venmo

"A social payment platform makes all transactions public by default, which means that a person must remember to change the setting from public to private, or risk social harm. For example, reports highlight that some people made public transactions that used drug or alcohol terms in the payment descriptions — this could be humiliating or harmful to their reputation or be an accidental breach of what was meant to be private information. The onus is on the company to make the transactions private by default. The screenshot was originally posted by a Twitter account (since devactivated by its creator) and published in BuzzFeedNews in an article published in July 2018. This work was also influenced by privacy researcher Hang Do Thi Duc, who made a project called Public by Default ."

"Automatically opts you in to receive “prescreened” credit card offers, and makes it very difficult to opt out."

"Venmo’s arbitration opt-out requires literally mailing them a piece of paper. Of course, continuing to use the service and agree to their mandatory arbitration does not require that. See the agreement to arbitrate section here – https://venmo.com/legal/us-user-agreement/ https://twitter.com/KendraSerra/status/1517520309183606786/photo/1"

"Venmo has a feature where the person that you’ve requested payment from can opt into payment protection, which adds a 1.9% fee to the transaction that the requestor pays without any sort of consent or control if opted into. It’s a dark pattern that I can’t believe is legal."