TD requested a telephone interview to grant me a Line of Credit. after the interview, they rejected my application because they could not communicate with my wife in English. I filed a complain with their Customer Service department right a way, indicated that this is a racial discrimination against minority. They rejected me not based on my credit history, not based on my ability to pay back, but on language. Every bank now has Chinese language services. Having language barrier is not our fault. The manager put me on hold over the phone, and found a Chinese clerk in 5 minutes, conducted another interview with my wife, proved right over the phone.

Department clerks have limited authority. In such case, call their headquarter or manager to resolve the problem. No bank wants to leave an unpleasant image to their client.