TD Bank US Holding Company Credit Card Complaint

TD Bank US Holding Company Credit card department,

Credit determination New York

I filed an application for a credit card after receiving an email inviting me to open a credit card from TD bank. A week late I received a denial letter from them for the reason stated on their letter of " your income is not sufficient in relation to your amount of debit '' and also stated that my credit score is -. I was astonished by that since I am debit free. They stated on the letter that they got the information from - agency report. I then thought that I probably became victim to identity theft. I then downloaded my credit repot from - website and printed out. The report showed no debit at all in contradiction to what TD bank claim. On - - I called TD bank credit dept. to discus the matter and to ask them to fix this issue. I spoke to costumer service who said her name was - and declined to state her last name. She offered me an apology and nothing else. She asked me to contact - and I tried to get her to be logical saying that I downloaded their report about my credit history and I have it in my hand right now so please go over the line which state that I have any debit and let 's go over it together but she did n't do it simply because the reason they claim does not exist. My discussion with her was to no avail and she declined to put her supervisor on the phone with me. Now I am filing this complaint to bring this institution 's mater to light as I felt discriminated against and insulted by their declining me a credit card.