Consumer complaint received 2023-10-20
Company: PNC Bank N.A.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023. I went to PNC BANK, XXXX XXXX, XXXX, OHIO to open a business account. I was accompanied by XXXX women during this transaction. Which was odd. Prior to the scheduled appointment, I was informed XXXX would be the business banker I open with, however upon arrival another woman by the name of " XXXX '' sat in without permission. When I asked the reason for XXXX people to open XXXX account, I was told " XXXX '' was training. *Later throughout the process I found out this was not true and " XXXX '' was recording conversation on her personal phone. 

I found out " XXXX '' wanted to know what happened with my previous business account ( same account ). I informed XXXX, My account was wrongfully closed due to error ( s ) made by an PNC BANK employee at the Branch on XXXX XXXX XXXX XXXX, Ohio ). The PNC employee refused to take accountability for her error ( s ) resulting in my account closing. The PNC employee informed me she accidentally put my XXXX incorrectly. 

XXXX informed me this XXXX result in this account opening today ( XX/XX/2023 ) to be closed due to prior issues, but she will " keep her eye on my account to avoid it closing '' and let me know asap. Giving me her business card. 

Later during the business transaction I was convinced to apply for a business credit card because of the funding available for small businesses for minorities. I did. I left PNC Bank XX/XX/2023 with an open account and atm card. I called in to PNC BANK to check the status of my business credit card and found out my application was denied. I requested to speak with the underwriting/lending team and was given the runaround. I was sent a survey to complete my experience via email. I submitted the survey XX/XX/2023 XXXX XXXX, XXXX reached out to me via email XX/XX/2023 to discuss the complaint about discrimination I submitted within the survey on XX/XX/2023. I was not available that day due to my work load. I was already mentally and emotionally stressed out and discouraged with the unethical, deceptive, unfair practices at PNC BANK. 

XXXX, reached out again via email XX/XX/2023. I called him at the contact number he requested, no response. I responded via email ( please see all email correspondence attached ). This communication was unsuccessful. A PNC XXXX member by the name of XXXX, XXXX reached out to me via email and this was unsuccessful as well. I tried reaching out to their offices and their office assistant tried locating them during the time they were in office with no one or on the phone. I was unsuccessful. I only called them because they sent me emails to call them. 

*Please note, the PNC XXXX team noted on my business banking account XXXX XXXX XXXX XXXX XXXX be closed on XXXX. I was informed this note was created XX/XX/2023. 

As, of today XX/XX/2023. MY ATM CARD IS CLOSED. CLOSED XX/XX/2023. 

XXXX had a business meeting with a possible future employee and my Purchase was declined. Embarrassing. I went to PNC ATM, the Branch I opened my account to pull money out to return to the meeting and was given an error and instructed to visit my branch location for further details. Since I was already at that location I went through the drive through, informed XXXX, I needed my account status. XXXX agreed. XXXX requested my ID, I sent the requested ID. XXXX, sent in return a receipt with a + {$36.00} and my ID back through the tube, informed me to come in to speak with a banker and walked away. XXXX XXXX my account. XXXX is a XXXX XXXX. XXXX, did not come back to the window. Instead, XXXX spoke to her Co-worker, her Co-worker answered the questions XXXX failed to answer. I was her customer, not her employees. I deserved the same attention she gave the consumers prior to me. 

-I have not received a reason for this unfair discrimination. I have not received a written response why I was denied after my credit application was re-reviewed. 

XXXX submitted another complaint with " XXXX XXXX Consumer Complaint Department as he requested to have issues escalated on XX/XX/2023. No return call from PNC Underwriting regarding my letter submitted in response to the Adverse Reaction XXXX PNC sent me pertaining to my credit application submitted. PNC XXXX Representative " XXXX '' informed someone will be reaching out within XXXX. 

PNC BANK, willingly avoided and delayed sending me requested and required information regarding my business transactions business credit application. Tookadverse reactions towards me, discriminating against me for exercising my rights in good faith. This is draining and completely unethical.

Company response to consumer: Closed with explanation