Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: PNC Bank N.A.
State: WI

Complaint narrative:
on XX/XX/XXXX XXXX XXXX submitted an application securitized documentation on the behalf of XXXX XXXX with a POA power of attorney under the terms of XXXX XXXX agreeing on extending her principles credit.of a personal loan of XXXX security interest was given when submitted the application, application turning into a security collateral as soon as submitted, which created a consumer credit Transaction. Three letters were sent to PNC XXXX XXXX XXXX  for an administrative process to inform them.The notice of interest thats owed to my principles account opportunity to cure last letter was Three letters has been sent to PNC XXXX XXXX XXXX  for an administration process to inform them.titled notice of interest opportunity to cure last letter was a XX/XX/XXXX titleddefault judgmenton XX/XX/XXXX certified mailed. on XX/XX/XXXX PNC XXXX XXXX XXXX  denied XXXX XXXX application. Which is denying her from extending her credit. account number XXXX. Due to 15 commerce and trade CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER IVEQUAL CREDIT OPPORTUNITY 1691. Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter.

( b ) Activities not constituting discrimination It shall not constitute discrimination for purposes of this subchapter for a creditor ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditor 's rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness ; ( 2 ) to make an inquiry of the applicant 's age or of whether the applicant 's income derives from any public assistance program if such inquiry is for the purpose of determining the amount and probable continuance of income levels, credit history, or other pertinent element of credit-worthiness as provided in regulations of the Bureau ; ( 3 ) to use any empirically derived credit system which considers age if such system is demonstrably and statistically sound in accordance with regulations of the Bureau, except that in the operation of such system the age of an elderly applicant may not be assigned a negative factor or value ; ( 4 ) to make an inquiry or to consider the age of an elderly applicant when the age of such applicant is to be used by the creditor in the extension of credit in favor of such applicant; or ( 5 ) to make an inquiry under section 1691c2 of this title, in accordance with the requirements of that section. 
PNC XXXX XXXX XXXX  denying for any reason, is it going against equal credit opportunity act.Having any reason to deny XXXX XXXX extension of her own credit. Is a consumer violation.

Company response to consumer: Closed with explanation