Consumer complaint received 2016-01-27
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a business account on the PNC Bank Website. The next day I received a call from XXXX XXXX XXXX, Assistant Vice President of Business Banking Sales from the following number XXXX. At that time he asked a series or questions and then forwarded that information to the Branch located at XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX. He stated that was the closest branch. When I went to open the account at that location they stated they did not have anyone to open the account. I contacted XXXX XXXX and then I received a call from a woman who identified herself as XXXX. With that stated I set an appointment to meet with her the next day. I provided her with the requested documents, which where the tax ID for the business and the Articles of Incorporation. She then asked for personal information, I gave her copy of my credit card and State Identification. After supplying that information, I realized I did not have my check book so I went home to get it. After she collected the information and printed out the letter of good standing from the secretary of state office, she stated that she had not received approval from the headquarters to open the account. With that stated I did not understand why the bank required the branch manager to open the account and they require approval from the headquarters in Pennsylvania in order to open an account. This presents a serious issue with me because the headquarters has no personal contact with the client so why and how can they make a good assessment of the client. So with that stated I had to wait until Monday for an approval. Monday comes and I received a call from XXXX at XXXX on Monday XXXX XXXX, 2016. I was annoyed that you would wait til the end of the day to call me. Then at XXXX on the same day a woman claiming to be from PNC calls me to have me come to the XXXX XXXX XXXX XXXX , XXXX , Illinois location. I asked her a series of questions about why she was calling and how she go my information and why my information was circulating. She got smart with me and became very rude with me. I got concerned that someone may have compromised my information. I later found out that her name was XXXX and she was over the XXXX XXXX branch. She then told me to come to com to the XXXX XXXX location and I told her no because I could not understand what was going on. She then called me back to tell my account was not appoved also. She said I could apply with another business. I made an appointment to come in on XXXX XXXX, 2016 at XXXX. I arrived and she said she forgot about my appointment and that she thought I was coming Thursday. She asked to see my document for my new business and then she told me I had to get another copy from the secretary of state of Illinois which cost extra money. She did not explain that the express copy issued by the state was not used when I spoke to her over the phone. she wanted me to go downtown and get a new copy and then she directed me to wrong building. She then went on to tell me that the bank was very convervative and that they looked for a certain profile of customer for its business accounts. I was insulted by this and when I spoke to my CPA XXXX XXXX who banks at PNC he could not believe how I was being treated. I know of XXXX other people who bank here who have XXXX of dollars and they told me that this was not an experience they had ever had either. The common thread is that all XXXX people I know are XXXX and are XXXX. In addition to this experience the merchant account department expressed that they only wanted cerain people as well particularly people with XXXX scores. I fell like this bank is stering, redlining and discriminating against XXXX people. Yet the XXXX branches I went to are largely XXXX with XXXX Branch Managers. this is an experience that needs to be investigated.

Company response to consumer: Closed with explanation