
Frankly, everything. They are a subprime credit card company trying to become a bank and failing miserably due to lack of experience. Every experienced senior leader they hire leaves due to the incompetence and inflexibility of the rest of the exec team.
Management needs to pay according to experience and merit. Evaluations are awarded based upon a bell curve rather than actual employee performance and skews things terribly. In addition, management uses raises and bonuses via reviews as a tool to level pay rather than recognize success.