Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Improper Account Closure Without Adequate Notice, Failure to Restore Account, and Unfair Denial of New Application by Bilt / XXXX XXXX To Whom It May Concern : I am submitting this complaint regarding the improper closure of my Bilt credit card account, issued by XXXX XXXX, and the refusal by both Bilt and XXXX XXXX to reinstate the account or allow me to reapply. Their actions were unreasonable, unfair, and have caused harm to my credit experience.

Summary of the Issue I previously held a Bilt credit card and had an excellent history of on-time payments across all my credit card accounts with multiple banks. I have never missed payments, never carried delinquent balances, and have maintained responsible credit usage.

During a residential move, I did not receive the physical mail notices from Bilt or XXXX XXXX reminding me about a balance payment. This was the only instance in which a timing issue occurred, and it was due entirely to the address change and lack of proper notice. 

Despite having no prior late payments with XXXX XXXX or Bilt, and despite my consistently strong payment record with all creditors, Bilt immediately and permanently closed my credit card account after a single incident, without offering any grace period or reasonable opportunity to correct the situation. This response was excessively harsh and disproportionate. 

Following this unexpected closure : I contacted Bilt, who stated that the closure was entirely handled by XXXX XXXX. 

I contacted XXXX XXXX, who stated the decision was made by Bilt.

Both parties refused to assist, repeatedly redirecting me back and forth without providing a solution.

Later, when I attempted to submit a new application, I was denied automatically with no meaningful review or explanation.

This pattern constitutes unfair and abusive behavior, especially given that : I had never been late on payments with them before. 

The missed notice occurred due to a change of address, and I never received any payment reminders. 

Other banks have continued to approve me and maintain strong relationships with me due to my clean payment history. 

XXXX XXXX and Bilt provided no reasonable process to reinstate the account or allow a new application.

Their actions have negatively impacted my access to credit despite my impeccable credit habits.

Requested Resolution I respectfully request CFPB assistance in requiring Bilt and XXXX XXXX to : Restore my eligibility to reapply for the Bilt credit card, OR Reopen or reinstate my original Bilt credit card account, OR Provide a clear, written explanation of why they refuse to reinstate or allow reapplication despite my strong credit history and the exceptional nature of the single incident. 

My expectations are reasonable : I request to be treated in a fair manner consistent with my credit behavior and not punished disproportionately for an isolated address-change situation. 

My Information Name : XXXX XXXX Email : XXXX Phone : XXXX SSN : XXXX Closing Statement This situation has caused unnecessary hardship and reflects poor customer treatment. I request CFPB oversight to ensure Bilt and XXXX XXXX provide a fair resolution. Their refusal to restore my account or even allow a new application, despite my clean credit history, is both unreasonable and harmful. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

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