Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ShoulderTap Technologies, Inc. d/b/a Fizz
State: CA

Complaint narrative:
CFPB, Detailed Complaint Narrative I am submitting this complaint to document and address Fizzs failure to follow through on a material representation related to payment processing on my account, which directly interfered with my ability to make a payment in good faith.

Background Fizz represented to me that they would provide a payment link so that I could submit payment on my account. This representation was clear and specific, and I relied on it as the method by which payment would be made. At no point did Fizz indicate that I needed to take any additional steps to generate the link myself, nor did they provide an alternative payment method after making this representation. 

Despite this assurance, Fizz never sent the promised payment link.

Failure to Provide the Promised Payment Method Fizzs failure to provide the payment link was not a minor inconvenience ; it directly prevented me from submitting payment through the method they told me would be made available. I was ready and willing to make payment and relied on Fizzs stated process to do so.

Fizz did not : Send the promised payment link ; Provide a follow-up explanation for the failure to send it ; Offer an alternative method for submitting payment after the link was not provided ; or Communicate that the promised link would not be sent after all.

This lack of follow-through created an avoidable breakdown in the payment process that was entirely within Fizzs control.

Good-Faith Effort on My Part I acted in good faith and relied on Fizzs representation that the payment link would be sent. My inability to submit payment was not due to refusal, neglect, or delay on my part, but rather due to Fizzs failure to provide the payment mechanism they explicitly stated would be provided.

Consumers should not be penalized for relying on a companys stated proceduresespecially when the company controls the payment infrastructure and communication.

Consumer Harm and Risk Fizzs failure to provide the promised payment link created the risk of : Improper late fees or penalties ; Incorrect internal account records suggesting nonpayment ; Negative account actions ; and/or Potential adverse credit reporting based on a delay caused solely by Fizzs inaction.

Even if some of these harms have not yet materialized, the risk itself is significant and unacceptable. A financial services company should not create consumer exposure through a breakdown in its own promised process.

Compliance and Process Concerns Fizzs conduct raises concerns regarding : Failure to follow stated payment procedures ; Inadequate internal controls to ensure promised payment access is actually delivered ; Poor communication and failure to correct or clarify a known issue once the promised link was not sent ; and Shifting the consequences of their own operational failure onto the consumer.

When a company promises a specific method for payment and fails to provide it, the resulting delay can not reasonably be attributed to the consumer.

Company response to consumer: Closed with explanation