Consumer complaint received 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
This complaint concerns new information that was not addressed in Wells Fargo 's response to my previous CFPB complaint. 

I applied for a Wells Fargo Signify Business Cash Card on XX/XX/year>, because of the advertised promotional offer of a {$500.00} cash rewards bonus after making {$5000.00} in qualifying purchases within the required promotional period. 

The only application-related communication I ever received from Wells Fargo was an email dated XX/XX/year>, stating that my application was pending, that additional information needed to be verified, and that Wells Fargo would provide a decision within seven business days. After receiving no further update, I replied to that email on XX/XX/year>, asking, " What's the scoop, '' because I had not received any decision or additional communication regarding the status of my application. I never received any subsequent email notifying me that my application had been approved or that my account had been opened. 

In Wells Fargo 's response to my prior CFPB complaint, the bank stated that my account was approved on XX/XX/year>, and that the promotional spending period began that same day. However, the only application status communication Wells Fargo ever provided to me stated that my application was pending, and I never received an approval notification. Based on the communications I received, I had no reason to know that an account had been opened or that a time-limited promotional spending period had already begun. 

Wells Fargo also stated that the card was mailed on XX/XX/year>, and acknowledged that it was not activated until XX/XX/year>. This means the card was not activated for approximately two months after the bank states it was mailed. Once I received and activated the card, I made {$4300.00} in qualifying purchases in an effort to earn the promotional bonus. Wells Fargo later denied the bonus because the {$5000.00} spending requirement had not been met by XX/XX/year>. 

My complaint is not that Wells Fargo 's written promotional terms measure the spending period from the account opening date. My complaint is that Wells Fargo failed to provide notice that my application had been approved and that the promotional spending period had begun. The only status update I received indicated that my application was still pending, and despite following up with Wells Fargo, I never received an approval notification. I believe consumers should receive clear notice that an application has been approved before a time-limited promotional period begins to run. 

I respectfully request that Wells Fargo reconsider this matter in light of the lack of any approval notification and the communications actually provided to me. I request that the bank honor the advertised {$500.00} promotional bonus or provide an equivalent customer accommodation. I also request that Wells Fargo review and improve its application approval notification process so that other consumers are not placed in the same position.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation