Consumer complaint received 2018-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: AK

Complaint narrative:
I am filing this complaint against XXXX and TD Bank for the manipulation of credit record and discrimination by denying me service and product. 
On XX/XX/XXXX, I visited XXXX trough my student account and ordered a XXXX XXXX XXXX in trade-in with my current XXXX XXXX. At the checkout, I was prompted to apply for XXXX financing provided by TD Bank. I filed the form and submitted it with all my personal information. I received a congratulation email notifying me that I have {$2200.00} credit line which will be used for the new phone with confirmation # XXXX. 
On XX/XX/XXXX, as I await my new phone, I received an email notifying me that my order was canceled. I contacted the customer service by phone at XXXX to find out what the problem may have been. I received no answer from the agent who asked me to call TD Bank. 
On XX/XX/XXXX, I contacted XXXX again through an online chat. The agent informed me that my order was unsuccessful. He also stated that I needed another payment method in order to have my order processed. I copied-pasted him the funding availability note on my account XXXX   account " FINANCING PROVIDER TD Bank, N.A. ACCOUNT NO **** **** **** XXXX AVAILABLE CREDIT {$2200.00} '' to show him that I do have funding available. He was surprised and asked me to call XXXX Financing Department. 
On XX/XX/XXXX, I contacted XXXX Financing Department by phone at XXXX to find out what the problem may have been. The call lasted about XXXX from XXXX to XXXX Alaska time. The agent confirmed that he does see that I have funding available but can not understand why the order was declined. He concluded that he will transfer the situation to the management with promise that someone will take care of this. Before concluding the call, I notified the agent that I am concerned with the fact that my personal information was accessed but that I have the feeling that I am being lied to. He apologized for the inconvenient and asked me to be patient. 
Today XX/XX/XXXX, I opened my XXXX account and realized that my account was accessed, altered and the funding of {$2200.00} removed without my any form of communication. I immediately contacted XXXX by phone and online chat to find out what had just happened. The agent named XXXX XXXX repeated the usual regret and directed me again toward XXXX Financial Department. This time, the system requested my credit card number and automatically hanged up for three time. 
I am very frustrated and feel that I was manipulated, and my personal information abusively accessed. XXXX and TD Bank accessed my credit file and they know it will affect me. For some untold reasons, they lured and tricked me to obtain my Social Security Number, Financial and Employment Record and they then denied me the service. I feel abused and discriminated against. I don't think anyone deserve to be treated this way. I am asking for justice and reparation in all fairness for the consumer that I am with hope that the two companies are investigated to prevent this situation from happening to someone else.

Company response to consumer: Closed with non-monetary relief