Has an unsettled Venmo request, say

OWES

Think of what you might say when someone hasn’t paid you back for that coffee last week—it starts with a debt.

This clue plays on the idea of someone owing money in a modern context. "Unsettled Venmo request" hints at a pending payment, meaning the person still owes the money. The word "say" signals this is just one example—it could apply to any unpaid debt. The answer is a simple verb that fits both the literal and financial meaning.