Consumer complaint received 2017-05-11
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On  XXXX   XXXX     2017 I  applied for a standard unsecured personal line of credit. The amount they indicated was {$50000.00} which is n't an especially large amount by any means. There were multiple problems, glitches when I was attempting to submit the application. After submitting it I was given information to follow up and at a later time told that I would be given a call to follow up on my application. I never received that phone call. I subsequently also wasnt given the follow up indication of the decision regarding the loan application. When I called they indicated numerous inconsistencies according to what apparently their systems were indicating I had submitted on the loan application to begin with. I 'm potentially mathematically and otherwise thoroughly overqualified for a line of credit of {$50000.00} in addition to my  credit score.  They then said they couldnt determine employment despite it having been indicated when I applied and stated that I was a sub account holder for a credit card line which the last time I checked is far from a disqualifying factor. I provided them substantial additional information during that phone call. During  one of my p hone calls with them it sounded as though there were possibly a cyber problem with their own systems which wouldnt be the first time regarding my banking. There have been multiple previous incidents with  XXXX   XXXX   XXXX  for instance. Additionally its likely worth noting that there is an ong oing Office of Inspector General  investigation among other things regarding sev ere UCMJ, inte rnational law violations, formally admitted destruction/tampering/falsification of records by a local police chief at a minimum, all of this regarding my   XXXX   XXXX   ex girlfriend who 's father is a former   XXXX   XXXX   XXXX   XXXX   XXXX  . Both of them have bragged and taunted that  they     killed my dog, members of my family, attempting to defame me, greyball me within finance, among numerous other things. They have stated that they have made it their pet project using a lot if not all of their political and other resources to cause egregiously illegal problems with my life. They are largely idiots and incompetent practically speaking from their demo nstrated work, primarily relying on others to do the actual work for them. Upon calling again later to check the status of the application after submitting the new information so that it was a more close to correct application, the woman ostensibly from td bank stated that my application was denied. She however said that NONE of the information I had submitted was in the application. She also muttered something under her breath which was potentially defamatory or would imply illegal discriminatory practices regardless making it indefensible. It seems that at a minimum something is severely incorrect, theres negligence if not something criminal occurring here. Additionally I received credible threat intelligence regarding a deep interest that would attempt to interfere with transactions if I ope ned a td   XXXX  investment account. Please investigate and pursue this to the fullest extent of the law. Please ensure that I 'm allowed true and fair lending, financial services, and when somebody is potentially a modestly overwhelming value proposition that the markets function as the law of financial incentives requires.

Company response to consumer: Closed with explanation