Rafiqul A. Bhuiyan v. PNC Bank, National Association

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[DO NOT PUBLISH]
In the
United States Court of Appeals
For the Eleventh Circuit
____________________
No. 19-14265
____________________
RAFIQUL A. BHUIYAN,
Plaintiff-Appellant,
versus
PNC BANK, NATIONAL ASSOCIATION,
Defendant-Appellee,
JULIE STOLZ, et al.,
Defendants.
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2 Opinion of the Court 19-14265
____________________
Appeal from the United States District Court
for the Northern District of Georgia
D.C. Docket No. 1:16-cv-03421-ODE
____________________
Before WILLIAM PRYOR, Chief Judge, LAGOA, Circuit Judge, and
SCHLESINGER,* District Judge.
LAGOA, Circuit Judge:
Rafiqul Bhuiyan appeals the district court’s order granting
summary judgment in favor of PNC Bank, National Association,
on Bhuiyan’s employment discrimination claims alleging failure to
accommodate his religious belief, religious discrimination, and re-
taliation under Title VII of the Civil Rights Act of 1964 (“Title VII”),
42 U.S.C. § 2000e et seq. After reviewing the record and with the
benefit of oral argument, we affirm the district court’s judgment.
I. FACTUAL AND PROCEDURAL BACKGROUND
In 2010, Bhuiyan, a practicing Muslim, worked as a financial
service representative for Flagstar Bank in Atlanta. In 2011, PNC
* Honorable Harvey E. Schlesinger, United States District Judge for the Middle
District of Florida, sitting by designation.
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19-14265 Opinion of the Court 3
acquired Flagstar Bank and retained Bhuiyan, reclassifying him as
a customer service associate.
Bhuiyan claimed that he was subjected to discrimination and
harassment based on his religious beliefs through derogatory com-
ments made by a coworker, Connie Best, beginning in 2011. On
two occasions, in 2013 and 2014, Bhuiyan complained that Best
made rude, derogatory, and mocking comments about his Muslim
faith. The complaints were forwarded to PNC’s employee rela-
tions department (“Employee Relations”), which closed the cases
as unfounded after investigating the claims.
Because he believed that the issue with Best was not going
to improve, Bhuiyan sought to be transferred to a different PNC
branch. An Employee Relations representative explained the pro-
cedures for a transfer—which required Bhuiyan to apply to an open
job listing at another branch—but he failed to follow those proce-
dures. As a result, Bhuiyan was never transferred and remained
employed at his original branch.
In June 2014, Bhuiyan requested time off for every Friday in
July for Ramadan. By the time he made the request, however, the
branch manager, Angela May, had already finalized the July sched-
ule. Because of the religious nature of the request, May reached
out to her regional manager, who in turn reached out to Employee
Relations for assistance. The Employee Relations specialist as-
signed to the request recommended that Bhuiyan’s request be
granted. PNC ultimately granted Bhuiyan’s request for time off on
every Friday in July except the last Friday—July 25. The request
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for the final Friday was denied because two employees were al-
ready scheduled to be off, and there was no outside availability to
cover that day.
On July 9, 2014, Bhuiyan’s coworker, Lynne Mashore, was
working with a customer who expressed interest in opening a
credit card with PNC. After speaking with the customer, Mashore
spoke with Bhuiyan and their supervisor, Alison Persaud, about the
transaction. The next day, Mashore noticed that Bhuiyan had en-
tered into PNC’s system a referral for a credit card, as well as a sec-
ond referral for a savings account. Mashore complained to May
that Bhuiyan had falsely claimed those referrals as his own, which
violated PNC’s code of conduct. May reported the incident to Em-
ployee Relations, and a case was opened to investigate the claim.
After Employee Relations began its investigation into Bhui-
yan, he raised several complaints against his superiors and cowork-
ers, including (1) a complaint against Best and Mashore alleging
that they engaged in “embarrassing” and “unprofessional” conduct
in front of a customer; (2) a complaint against May alleging discrim-
ination based on his age, race, and religion; and (3) a complaint
against Persaud alleging that she falsified internal records. Em-
ployee Relations opened an investigation into each of Bhuiyan’s
claims.
On July 21, 2014, while the investigations were pending,
Bhuiyan asked May for a “personal day” on July 28, so he could
celebrate Eid al-Fitr (“Eid”) with his family. May again contacted
Employee Relations about the request because there were staffing
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issues that prevented her from permitting Bhuiyan to have that day
off. Employee Relations agreed that PNC could not accommodate
this request but counseled May to inquire as to whether the request
was a “religious requirement” and to offer Bhuiyan the day off later
in the week. May informed Bhuiyan that, due to staffing issues,
PNC could not accommodate his request, but offered him a differ-
ent day off and advised him that if the request was “a religious re-
quirement,” he should let her know so that PNC could re-evaluate
the request. Bhuiyan replied that Eid was “indeed a [r]eligious day
like [C]hristmas,” and that it was “sad news for [him] that one day
out of a year [he could not] have that precious moment.” Bhuiyan
came to work on both July 25 and 28 without further comment.
As part of the pending investigations, an Employee Rela-
tions specialist interviewed Bhuiyan twice. During the first inter-
view, a second Employee Relations specialist was present as a wit-
ness, and the questioning related mainly to Bhuiyan’s discrimina-
tion claims against May. Bhuiyan made several inconsistent state-
ments, which led the Employee Relations specialist to believe that
Bhuiyan was being dishonest. The second interview was con-
ducted with both the Employee Relations specialist and PNC’s re-
gional manager as witnesses, and focused on Mashore’s claim that
Bhuiyan had filed false referrals for the credit card and savings ac-
count. During the second interview, Bhuiyan claimed that the
same customer had returned to complete a separate transaction,
this time with him, and expressed an interest in opening a credit
card. Bhuiyan further stated that even though the customer had
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not expressed any interest in a savings account or other services, he
marked all products and services on the referral form, which he in-
dicated was his general practice. Bhuiyan later testified that, after
the customer returned, he had a conversation with her about open-
ing a savings account for her child, not a credit card, and that the
only referral he made was for that savings account. At his deposi-
tion, Bhuiyan could not explain why there was a referral made by
him in PNC’s system for a credit card for that customer.
Following the two interviews, the Employee Relations spe-
cialist believed Bhuiyan had been untruthful during the investiga-
tion and interviews and placed him on paid administrative leave.
While on leave, Bhuiyan sent a letter to PNC claiming that he was
being retaliated against for raising a complaint against May and for
accusing Mashore of accepting a gift card from a customer. This
retaliation claim was investigated by Employee Relations and sub-
sequently closed as unfounded. Employee Relations then recom-
mended that PNC terminate Bhuiyan based on the false referrals
he filed and the false and inconsistent statements he provided dur-
ing the investigation—both of which violated PNC’s code of con-
duct. On August 29, 2014, PNC’s regional manager followed that
recommendation and terminated Bhuiyan’s employment at PNC.
On September 24, 2014, Bhuiyan filed a charge of discrimi-
nation with the Equal Employment Opportunity Commission
(“EEOC”) and alleged that PNC had retaliated and discriminated
against him on the basis of his race, national origin, and religion in
violation of Title VII, as well as his age in violation of the Age
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Discrimination in Employment Act of 1967 (“ADEA”), 29 U.S.C.
§ 621 et seq. On June 17, 2016, the EEOC issued Bhuiyan a notice
of his right to sue.
On September 12, 2016, Bhuiyan sued PNC and various em-
ployees. Following the dismissal of the employees, Bhuiyan
amended his complaint against PNC to allege national origin and
religious discrimination, failure-to-accommodate, and retaliation
claims under Title VII. 1 After discovery, PNC moved for summary
judgment on all claims. The motion was referred to the magistrate
judge, who recommended that summary judgment be granted to
PNC on all of the claims.
Bhuiyan filed several objections to the report and recom-
mendation, arguing that (1) the magistrate judge employed an in-
correct legal standard for Title VII claims; (2) PNC failed to carry
its burden of proving undue hardship under his failure-to-accom-
modate claim; (3) the magistrate judge improperly weighed the
evidence in favor of the moving party and made impermissible
credibility determinations; and (4) the magistrate judge disre-
garded the “convincing mosaic model” of proof. The district court
overruled each of Bhuiyan’s objections, adopted the report and rec-
ommendation in full, and entered judgment for PNC on all of the
claims.
1In amending his complaint, Bhuiyan withdrew claims he originally asserted
under the ADEA and 42 U.S.C. § 1981.
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Bhuiyan timely appealed.
II. STANDARD OF REVIEW
We review a district court’s grant of summary judgment de
novo. Carithers v. Mid-Continent Cas. Co., 782 F.3d 1240, 1245
(11th Cir. 2015). Summary judgment is appropriate “if the movant
shows that there is no genuine dispute as to any material fact and
the movant is entitled to judgment as a matter of law.” Fed. R. Civ.
P. 56(a). “When deciding whether summary judgment is appropri-
ate, all evidence and reasonable factual inferences drawn therefrom
are reviewed in a light most favorable to the non-moving party.”
Guideone Elite Ins. Co. v. Old Cutler Presbyterian Church, Inc.,
420 F.3d 1317, 1325–26 (11th Cir. 2005) (quoting Witter v. Delta Air
Lines, Inc., 138 F.3d 1366, 1369 (11th Cir. 1998)).
III. ANALYSIS
On appeal, Bhuiyan argues that the district court erred in
granting summary judgment in favor of PNC on his religious-based
Title VII claims of failure to accommodate, discrimination, and re-
taliation. We address his claims in turn.
A. Failure-to-Accommodate Claim
Bhuiyan argues that PNC failed to accommodate his reli-
gious beliefs when it denied his request to have July 25 off for Ram-
adan and July 28 off for Eid, and that the district court therefore
erred in granting summary judgment in favor of PNC.
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Title VII makes it unlawful for an employer to “discharge
any individual, or otherwise to discriminate against any individual
with respect to his compensation, terms, conditions, or privileges
of employment, because of such individual’s race . . . [or] religion.”
42 U.S.C.A. § 2000e-2(a)(1); Walden v. Ctrs. for Disease Control &
Prevention, 669 F.3d 1277, 1293 (11th Cir. 2012) (“Title VII makes
it unlawful for an employer to discharge an employee on the basis
of the employee’s religion”), abrogated on other grounds by EEOC
v. Abercrombie & Fitch Stores, Inc., 575 U.S. 768 (2015). And “[a]n
employer has a ‘statutory obligation to make reasonable accom-
modation for the religious observances of its employees, short of
incurring an undue hardship.’” Walden, 669 F.3d at 1293 (quoting
Trans World Airlines, Inc. v. Hardison, 432 U.S. 63, 75 (1977)); see
also 42 U.S.C. § 2000e(j) (defining “religion” in the Title VII context
to include “all aspects of religious observance and practice, as well
as belief, unless an employer demonstrates that he is unable to rea-
sonably accommodate to an employee’s or prospective employee’s
religious observance or practice without undue hardship on the
conduct of the employer’s business”). “In religious accommoda-
tion cases, we apply a burden-shifting framework akin to that artic-
ulated in McDonnell Douglas Corp. v. Green, 411 U.S. 792. . . (1973).” Walden, 669 F.3d at 1293. Under this framework, the
plaintiff first must establish a prima facie case of discrimination
based on the failure to accommodate his religious beliefs. Id. If the
plaintiff establishes a prima facie case, the burden shifts to the em-
ployer to demonstrate that it either offered the employee a reason-
able accommodation or could not do so without undue hardship.
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Bailey v. Metro Ambulance Servs., Inc., 992 F.3d 1265, 1275 (11th
Cir. 2021).
The traditional test to establish a prima facie case required
the plaintiff to show that he (1) “had a bona fide religious belief that
conflicted with an employment requirement”; (2) informed his em-
ployer of that belief; and (3) was disciplined or discharged for failing
to comply with the conflicting employment requirement. Walden,
669 F.3d at 1293. Bhuiyan, however, argues that the Supreme
Court’s decision in EEOC v. Abercrombie & Fitch Stores, Inc., 575
U.S. 768 (2015), altered the framework for religious accommoda-
tion cases. He asserts that religious failure-to-accommodate claims
no longer require actual knowledge—eliminating the second ele-
ment. He further asserts that the third element can be satisfied by
showing that the employee had to make the choice between com-
promising his faith and risking unemployment.
We first note that, following appellate briefing in this case,
this Court issued its decision in Bailey, 992 F.3d 1265. In Bailey,
this Court held that:
[t]o establish a reasonable-accommodation claim of
religious disparate treatment, a plaintiff must first set
forth a prima facie case by showing that (1) his sincere
and bona fide religious belief conflicted with an em-
ployment requirement, and (2) his employer took ad-
verse employment action against him because of his
inability to comply with the employment require-
ment or because of the employer’s perceived need for
his reasonable accommodation.
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Id. at 1275. In discussing the framework for religious reasonable-
accommodation claims, we explained that the Supreme Court’s de-
cision in Abercrombie “clarified that an employer need not have
‘actual knowledge’ of . . . an employee’s need for accommodation
if the employee can show that his need for an accommodation was
a motivating factor in the employer’s adverse employment action.”
Id. at 1275 n.4 (emphasis added) (quoting Abercrombie, 575 U.S. at
772). Thus, Bhuiyan correctly argues that the second element of
the traditional test for establishing a prima facie case for a reasona-
ble accommodation claim is no longer required. However, in de-
ciding Bailey, we did not alter the first and third elements. And we
reject Bhuiyan’s request to alter the third element as he proposes.
Here, the district court applied the traditional test and held
that Bhuiyan failed to establish a prima facie case for a failure-to-
accommodate religious discrimination claim because he could not
meet the first and third elements—i.e., he did not have a bona fide
religious belief that conflicted with his ability to work on July 25
and 28, and he was neither disciplined nor discharged for failing to
comply with PNC’s requirement that he come to work on those
days.
We affirm because Bhuiyan cannot meet his burden on the
third element, which requires the employee to show that an em-
ployer took an adverse employment action against the employee
either because of his inability to comply with an employment re-
quirement that conflicted with his bona fide religious belief or be-
cause of the employer’s perceived need for his reasonable
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accommodation. See id. at 1275. To establish an adverse employ-
ment action, “an employee must show a serious and material
change in the terms, conditions, or privileges of employment.” Da-
vis v. Town of Lake Park, 245 F.3d 1232, 1239 (11th Cir. 2001) (em-
phasis in original), overruled on other grounds by Burlington N. &
Santa Fe Ry. Co. v. White, 548 U.S. 53 (2006). Whether the action
is serious and material is not subjective; rather, “the employment
action must be materially adverse as viewed by a reasonable person
in the circumstances.” Id.The record evidence shows that Bhuiyan willingly came into
work on both July 25 and 28 and was not disciplined in any way.
Bhuiyan makes no claim that he was threatened with discipline or
that his termination was associated with his requests to take time
off for Ramadan and Eid. We therefore conclude that Bhuiyan
failed to establish the third prong of his failure-to-accommodate
claim and affirm the district court’s grant of summary judgment in
favor of PNC on this claim. 2
B. Religious-Based Discrimination and Retaliation Claims
As to his religious-based discrimination and retaliation
claims, Bhuiyan argues that the district court erred in determining
that PNC’s rationale for firing him was not pretextual. For discrim-
ination and retaliation claims, absent direct evidence, we apply the
2Because Bhuiyan failed to establish a prima facie case as to his failure-to-ac-
commodate claim, the inquiry ends, we need not proceed to the second step
of the burden-shifting framework.
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same burden-shifting framework articulated in McDonnell Doug-
las. Young v. United Parcel Serv., Inc., 575 U.S. 206, 228 (2015);
Bailey, 992 F.3d at 1277. If a plaintiff establishes a prima facie case
of religious-based discrimination or retaliation, the employer must
then articulate a legitimate, nondiscriminatory, or nonretaliatory
reason for the challenged employment action. Pennington v. City
of Huntsville, 261 F.3d 1262, 1266 (11th Cir. 2001). If the employer
provides such an explanation, the burden then shifts back to the
plaintiff to prove by a preponderance of the evidence that the de-
fendant’s explanation is merely a pretext for discrimination or re-
taliatory conduct. Id. The plaintiff must rebut the explanation by
showing both that the reason was false and that discrimination or
retaliation was the real reason for the challenged employment ac-
tion. Brooks v. Cnty. Comm’n of Jefferson Cnty., 446 F.3d 1160,
1163 (11th Cir. 2006).
The district court declined to analyze whether Bhuiyan es-
tablished a prima facie case as to his religious-based discrimination
and retaliation claims and instead determined that his claims failed
because he was not able to show that PNC’s legitimate, nondis-
criminatory reason for terminating him—i.e., that he had been dis-
honest and filed false referrals—was merely pretext for discrimina-
tion. We, too, will only discuss whether PNC’s stated reason for
terminating Bhuiyan’s employment is merely pretextual. See
USPS Bd. of Governors v. Aikens, 460 U.S. 711, 715 (1983) (“Where
the defendant has done everything that would be required of him
if the plaintiff had properly made out a prima facie case, whether
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the plaintiff really did so is no longer relevant.”); see also Penning-
ton, 261 F.3d at 1266 (assuming arguendo that the plaintiff estab-
lished a prima facie case, because the court found the defendants’
“legitimate reasons for the decision [were] dispositive”).
Bhuiyan failed to present evidence rebutting PNC’s stated
legitimate reason for his termination. Although Bhuiyan disputes
that he submitted a false referral, he offers no evidence to call into
question PNC’s belief that a false referral occurred. See Elrod v.
Sears, Roebuck & Co., 939 F.2d 1466, 1471 (11th Cir. 1991) (finding
that an employee failed to show pretext where he presented evi-
dence suggesting that allegations were untrue, but failed to present
evidence suggesting that employer’s belief in those allegations was
unworthy of credence); see also Vessels v. Atlanta Indep. Sch. Sys.,
408 F.3d 763, 771 (11th Cir. 2005) (“[Plaintiff] disputes whether the
incidents of unprofessionalism upon which [defendant] claimed to
rely actually occurred. Admittedly, this would fail to demonstrate
pretext if [plaintiff] only disputed that the incidents occurred, with-
out calling into question [defendant’s] sincere belief that they oc-
curred.”).
Bhuiyan argues that the customer in question came in the
following day to speak with him and that the referral he submitted
was based on this conversation. Such a claim does raise a question
of fact about whether the referral was in fact false. But that alone
is insufficient to meet the summary judgment standard; Bhuiyan
must also offer evidence to show that PNC’s justification is “un-
worthy of credence.” Elrod, 939 F.2d at 1471. PNC is permitted,
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based on its code of conduct and guidelines, to terminate an em-
ployee it believes to have submitted a false referral. And, based on
the record evidence, PNC has done so on multiple occasions, as it
did here, after conducting an Employee Relations investigation
that resulted in a finding of dishonest conduct.
In this case, after PNC’s Employee Relations specialist con-
ducted an investigation, including interviewing Bhuiyan and his
coworkers, she believed that Bhuiyan engaged in dishonest con-
duct and recommended that Bhuiyan be terminated. During the
investigation, PNC discovered (1) that its internal server had a re-
ferral for the customer made by Bhuiyan for a credit card and sav-
ings account dated the day after that customer came in and spoke
with Mashore; (2) that Bhuiyan made inconsistent statements
about the referral; and (3) that Bhuiyan’s coworkers’ statements
matched those raised by Mashore in her complaint that Bhuiyan
had stolen her referral. PNC can be mistaken in its belief about the
false nature of Bhuiyan’s referrals, so long as that asserted belief is
not a pretext for impermissible action. Here, even assuming that
the allegations at issue are actually untrue, Bhuiyan failed to pre-
sent any evidence that PNC’s asserted belief in those allegations,
which was based on the evidence it collected during its investiga-
tion, was unworthy of credence. Bhuiyan’s religious discrimina-
tion and retaliation claims therefore fail because he cannot show
that PNC’s stated reason for firing him was pretext for either reli-
gious discrimination or retaliatory conduct.
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Bhuiyan further argues that even if his discrimination claim
fails under the traditional McDonnell Douglas framework, he has
created “a convincing mosaic of circumstantial evidence that
would allow a jury to infer intentional discrimination by [PNC].”
See Smith v. Lockheed-Martin Corp., 644 F.3d 1321, 1328 (11th Cir.
2011) (footnote omitted) (quoting Silverman v. Bd. of Educ., 637
F.3d 729, 734 (7th Cir. 2011), overruled by Ortiz v. Werner Enters.,
Inc., 834 F.3d 760, 764 (7th Cir. 2016)). But, as discussed above, the
mosaic that Bhuiyan attempts to piece together is insufficient to
survive summary judgment. Cf. Flowers v. Troup Cnty., Ga., Sch.
Dist., 803 F.3d 1327, 1337 (11th Cir. 2015) (listing the evidence pre-
sented by a plaintiff that failed to establish a “convincing mosaic of
circumstantial evidence” to survive summary judgment). The only
claims that touched on Bhuiyan’s religion were his own statements
that a coworker made derogatory and unprofessional comments
about his Muslim faith and that May discriminated against him
based on his religion—claims that PNC fully investigated and de-
termined to be unfounded. Although PNC’s internal investigation
is not legally dispositive to our inquiry, these claims standing alone,
coupled with the fact that neither his coworker nor May had any
decision-making authority over Bhuiyan’s employment, do not
support an inference of religious discrimination by PNC. See id.(concluding that the plaintiff’s discrimination claims lacked merit
because he failed to present “any evidence, outside of his own con-
clusory say-so, that would support an inference of . . . discrimina-
tion from the circumstances”). Cf. Bailey, 992 F.3d at 1278–81.
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Thus, we conclude that the district court did not err in grant-
ing summary judgment to PNC as to Bhuiyan’s religious-based dis-
crimination and retaliation claims.
IV. CONCLUSION
For the foregoing reasons, we affirm the district court’s or-
der granting summary judgment in favor of PNC.
AFFIRMED.