If I understand this correctly, they are saying that you didn't complete the application within 30 days because it wasn't approved within 30 days. However, I be

If I understand this correctly, they are saying that you didn't complete the application within 30 days because it wasn't approved within 30 days. However, I believe that most people would consider the completion of an application and its approval as distinct events. What does the fine print state? Can this be pursued in small claims court?