PNC Bank Consumer Loan Complaint

PNC Bank Consumer loan department,

Pawn loan Applied for loan/did not receive money Ohio

In - -, I received written notice that the Home Equity Line of Credit currently held by me would expire on - - and I was given several choices concerning the loan. I chose to refinance the loan and began steps to do so as outlined by PNC Bank. After several attempts to comply with the bank 's request for information in a timely manner, all documents were submitted as requested, however, I began to sense my application would be denied because - of their request was unreasonable ( they asked for a copy of my income tax for the year -, specifically Schedule -, though I did in fact obtain an official transcript from the IRS and presented it to PNC Bank, they would not accept it as what they needed even though the document came from the IRS and it was clearly stated on the form that the document was suitable for mortgage purposes! By now we are into - so the request was made that I be allowed to use my - taxes which was finally accepted by PNC Bank. In a letter dated -/-/- I was informed that my application to refinance the line of credit


basis for that denial other than potential discrimination, their names and other information can be submitted upon request. I believe I am a victim of racial discrimination/unfair lending practice. PNC Bank did a Property Valuation Report and within the report under Market Sales and Trends my home was compared to several others homes, my home is a tri-level but was compared to - ( - ) story dwellings, I know that on a scale of '' risk in lending '' from - I am a - risk, my credit score from - ( which PNC used is - ) and the property valuation plainly states the report they submitted is not a real estate appraisal, evaluation or similar documentation of the subject property ( - ) .In addition, in late winter of -, I had listed the property for sale with - and soon thereafter received a written offer to purchase my home for $100000.00 and when I rejected that offer another offer was made at $ -.I rejected both offers because I realized I was not ready to sale my home and withdrew my home from the market. Surely no home declines that much in value in less than a year! It appears that the - area has been redlined as it is a predominantly - area and I believe this has played a big part, in addition to me being a - female, to PNC Bank declining to refinance the line of credit I currently have with them.