That's quite a good case in point - precisely because it is so simple. For a start, as soon as the bank people said anything like, "The computer doesn't think you can afford the payments", they revealed their utter ignorance of what was really happening.
Computers do not think. One day they possibly might, but as of today they don't. What they should have said was, "We have done some predetermined sums on our computer, and we don't think you can afford the payments".
The decisions were all made by bank staff - probably managers - and then programmed into the software. If any mistakes (or legal offenses) resulted, they were the fault of those people.