Product: Checking or savings account

In XX/XX/year> through XX/XX/year>, I visited a TowneBank branch and applied for a line of credit. At that time, I was clearly informed that the minimum XXXX XXXX requirement to qualify was XXXX. My XXXX XXXX at the time of application was well above that thresholdcloser to XXXX, thus exceeding the criteria for approval. This can be verified through both the banker who assisted me and the banks security camera Formal Complaint Regarding Discriminatory Lending Practices and Breach of Fair Banking Standards by Branch XXXX XXXX XXXX To Whom It May Concern, I am writing to file a formal complaint against TowneBank and specifically Branch XXXX XXXX XXXX for discriminatory lending practices and failure to adhere to fair banking standards, resulting in financial harm and personal distress. 

Between XX/XX/year> and XX/XX/year>, I visited a TowneBank branch and applied for a line of credit. At that time, I was clearly informed that the minimum XXXX XXXX requirement to qualify was XXXX. My XXXX XXXX at the time of application was well above that thresholdcloser to XXXX, thus exceeding the criteria for approval. This can be verified through both the banker who assisted me and the banks security camera footage. 

However, despite meeting the posted credit qualifications, I was denied the line of credit without a transparent or justifiable reason. XXXX XXXX XXXX, the branch manager, directly engaged with the banker assisting me and came out personally to deliver the denial and provided vague feedback such as keep working on your credit. This advice made no sense considering my creditworthiness exceeded the stated requirement. 

Upon reviewing this incident in the context of previous interactions with XXXX XXXX XXXX prior complaints I filed against her for questionable conductit is clear that there is a recurring pattern of behavior that raises concerns of discriminatory treatment and possible XXXX bias. These actions may also constitute violations of the Equal Credit Opportunity Act ( ECOA ), 15 U.S. Code 1691, which prohibits discrimination in any aspect of a credit transaction on the basis of race, XXXX, religion, national origin, XXXX, marital status, or age. 

Additionally, I believe XXXX XXXX conduct is in direct violation of TowneBanks own internal lending and ethical conduct policies. Denying a consumer based on discretionary prejudice rather than transparent lending criteria is unethical, potentially illegal, and does significant damage to the public trust. 

What I Am Requesting : XXXX. A full investigation into XXXX XXXX XXXX conduct and lending decisions regarding my application and others in similar situations. 
XXXX. A written explanation of the exact reasons for denial and documentation of any criteria used that contradicted the stated XXXX minimum score requirement. 
XXXX. A review of XXXX compliance with federal lending laws, including the XXXX and Fair Credit Reporting Act. 
XXXX. Corrective action against XXXX XXXX, including disciplinary review and potential termination if wrongdoing is found. 
XXXX. A formal apology and record of resolution added to my customer file. 

This complaint is being submitted for further escalation to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies if not addressed promptly and transparently.

I expect a written response within 15 business days of receipt of this letter. I will be closely monitoring this matter and reserving all legal rights moving forward. 

Sincerely, XXXX XXXX