Consumer complaint received 2023-11-14
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Regarding : Reference XXXX Yesterday, XX/XX/XXXXXXXX  I visited a PNC bank branch and called customer service to file a complaint. In addition, I emailed a complaint to PNC on XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  to file a formal complaint about several issues and asked for an update today, XX/XX/XXXX. 

On XX/XX/XXXXXXXX  I received a letter from the PNC bank branch in XXXX, TX stating that I had until XX/XX/XXXXXXXX  to provide additional information on two disputes I submitted. I disputed two charges for services that were never provided. The letter received from PNC stated that If no additional information was received, PNC would be ready to complete the investigation based on the information they currently have. I visited the bank branch because I never received the dispute update letter in the mail. PNC customer service and PNC bank operations gave XXXX ( PNC bank branch teller ) the run around in providing the letter which almost delayed my response however after 1 hour of waiting in the branch XXXX was finally able to receive the document. 
I am requesting an immediate provisional credit on items paid to XXXX on the following dates : XX/XX/XXXXXXXX  - XXXX XX/XX/XXXXXXXX  - XXXX total - {$10000.00} I retained a lawyer on XX/XX/XXXXXXXX  to file a lawsuit against XXXX XXXX XXXX Credit bureaus for willful violation of my rights under the FCRA. Since this is an FCRA case, I wanted to apply for new lines of credit since the XXXX. collection ( XXXX XXXX XXXX ) account popped up on my XXXX credit report after paying XXXX. My attorney advised that I apply for a new line of credit because if denied, that would demonstrate actual damages he could add to the lawsuit due to the suffering caused by the inaccuracy on the XXXX credit report. 
I requested to apply for a business line of credit and business card several times during the month of XXXX with XXXX XXXX ( PNC ). On XX/XX/XXXXXXXX  PNC Bank listed two soft inquiries on my XXXX credit report. 
XX/XX/XXXXXXXX  I emailed XXXX XXXX ( PNC ) requesting he either provide the decline letter or approve the business line of credit and business credit card. I have yet to receive an email from XXXX with this information as of XX/XX/XXXX. Additionally, I am formally complaining about XXXX telling me to wait to apply so I could " have the best chance '' at receiving an approval. Those statements on our recorded phone calls were a clear type of discrimination. XXXX would have never told any of my XXXX  counterparts to wait and actively prevent them from applying for a business line of credit and business credit card. Furthermore, if any of my XXXX  counterparts would've requested a business line of credit and business credit card with near XXXX credit scores they would have been approved. In addition to consistent business top line revenue during the months of XXXX there were {$47000.00} in deposits. During the month of XXXX there were {$24000.00} in deposits. During the months of XXXX there were {$29000.00} in deposits. During the months of XXXX there were {$27000.00} in deposits. During the months of XXXX there were {$5100.00} in deposits. The Equal Credit Opportunity Act makes it illegal for a creditor to discriminate in any aspect of credit transaction based on certain characteristics. If you listen to my calls with XXXX and evaluate all of the facts you will find there was disparate treatment, competitive evidence of disparate treatment and obvious evidence of disparate impact. 
As PNC bank knows, XXXX XXXX XXXX XXXX XXXX XXXX certified minority business enterprise and disadvantaged business enterprise. The corporation holds certifications with the XXXX XXXX XXXX XXXX, State of North Carolina and XXXX of Tennessee. During the month of XX/XX/XXXX I personally had to go through an exercise with the XXXX XXXX XXXX XXXX to determine the corporation meets the social disadvantage criteria for certification. Economically disadvantaged individuals are socially disadvantaged individuals whose ability to compete in the free enterprise system has been impaired due to diminished capital and credit opportunities as compared to others in the same or similar line of business who are not socially disadvantaged. Having to go through this exercise just last month, I believe that I was discriminated against and ask the bank to either approve the business line of credit, open the business credit card, investigate my claims of discrimination, and/or email me a decline letter so that I can forward to my attorney regarding the FCRA case XXXX 
Lastly, during my call yesterday XX/XX/XXXX with PNC bank operations I was finally told the following information regarding my application submitted with XXXX XXXX : PNC application number XXXX ( business line of XXXX credit card XXXX XXXX submitted - XX/XX/XXXX Date declined - XX/XX/XXXX

Company response to consumer: Closed with explanation