financial extraction

High-rate lending, buy-now-pay-later, interest and fee drag.

1 month 3 months 6 months 12 months
Your spend touching this concern
$640.94

3.1% of the period's outflow

Merchants involved
2

with sourced evidence in this dimension

Synchrony Bank $420.00 · 1 txn

Ultimately benefits Synchrony Financial · Synchrony Bank → Synchrony Financial

CareCredit-style deferred-interest health financing should be reviewed carefully for consumer-debt and medical-debt concerns.

medium severity · product concern · attributed via parent Synchrony · Consumer Financial Protection Bureau (2013-12-10)

Upstart $220.94 · 1 txn

Ultimately benefits Upstart Holdings, Inc. · Upstart → Upstart Holdings, Inc.

CFPB terminated Upstart's no-action letter after Upstart sought to add significant new variables to its underwriting and pricing model, ending the Bureau-reviewed special status.

medium severity · model governance concern · attributed via parent Upstart Holdings, Inc. · Consumer Financial Protection Bureau (2022-06-08)

Honest limits: only researched merchants (53 dossiers so far) can surface here, evidence is dated and owner-level records don't prove the parent owned the subsidiary at the time of every violation. This is decision support, not a moral verdict. Back to Spending Values