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You will receive a letter first from the agency to whom you owe the debt. As a public service, the staff of the Federal Trade Commission (FTC) has prepared the following complete text of the Fair Debt Collection Practices Act.Effect on Form 1099B and other transfer statements. Other deposits or credits to your account, such as deposits of funds from persontoperson payments services (e.g. , Zelle®, Venmo, or PayPal. Customer-facing flow. Selects credit card at checkout. If you have a Venmo Credit Card, until such time that account is both closed and paid in full. This is the cost of borrowing on the card, if you don't pay the whole balance off each month. Account: the credit card account with us under this Agreement.