Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Business Established : XX/XX/year> Complaint Against : City National Bank, XXXX XXXX Branch Branch Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Branch Representatives Involved : XXXX XXXX, Vice President | Relationship Manager XXXX XXXX XXXX, Vice President Subject : Alleged Discrimination in Business Account Application Details of the Complaint : I am filing this formal complaint against City National Bank as I believe I was treated unfairly and subjected to discrimination during my attempt to open a business account for my thriving XXXX business, XXXX XXXX XXXXXXXX XXXX XXXX XXXX Below are the details of the incident : Initial Interaction : I met with XXXX XXXX, Vice President | Relationship Manager II, at the XXXX XXXX branch. We spent approximately two hours completing the application process, including providing all required documentation and discussing my business plans to expand by opening a new location. During this meeting, XXXX commended my business achievements and expressed optimism about my application. 

Site Visit : Following the meeting, XXXX conducted a site visit at my store, which further demonstrated my business 's legitimacy and strong operational standing. 

Application Rejection : Despite these positive interactions, I later received a phone call from XXXX XXXX, Vice President of the branch, informing me that my application to open a business account was denied. When I inquired about the reason for the denial, XXXX refused to disclose any specific details, which left me feeling confused, disappointed, and deeply insulted. 

Belief of Discrimination : In my opinion, the refusal to open the account despite my flawless business and personal credit history, compliance with all application requirements, and successful business operations suggests discriminatory intent. As an XXXXAmerican business owner, I believe that my national origin or other discriminatory factors may have influenced the bank 's decision.

Request for Action : I respectfully request the Consumer Financial Protection Bureau to : Investigate City National Banks actions and decision-making process regarding my application.

Determine if discrimination based on national origin or any other unlawful factor occurred. 

Hold City National Bank and its representatives accountable for any violations of anti-discrimination laws.

Take appropriate disciplinary actions and ensure corrective measures are implemented to prevent future occurrences. 

Require City National Bank to reconsider and approve my application if it is found that discrimination played a role in the denial.

Conclusion : In the United States, no individual or business should face discrimination based on their national origin, race, or other protected characteristics. I urge the CFPB to take this matter seriously and ensure justice is served. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation