No instant transfers, money charged not deivered

The instant transfer feature charges the credit card a 3% transaction fee with a promise of funds delivered same day. It has been 3 days and the person I paid via Instant transfer has no sign of the money. Venmo has told us it is in a clearing house and will take yet another 1.5 days to transfer to the recipient. My credit card was charged instantly with the additional 3% fee and the money should be delivered by now. This is a scam.

jennifer larson about Venmo, v7.12.1