Thanks a lot, but I didn't have time for fighting them today. Plus, I already made two others applications today (which were approved), so I am scared that if I apply again with TD today, they will process my application tomorrow and they will find out about the other applications (since the credit files are updated overnight), and I will get denied anyway...

And it doesn't mean it will go through because the agent told me the issue was that I "created" a new file with them and I already "have" a file with them (because of a checking account I closed 3 years ago). If I use your trick, I might just end up with a third "file" with them, which won't do much good.