8007422651

It's not a scam.. it's TD Bank's (AKA COMMERCE BANK & TD BANKNORTH) collection agency. I was told to call it by TD Bank... sometimes people give out random phone numbers because they are scum bags who know they won't pay there overdue balances and try to get other people in trouble.

But TD Bank is a legit bank.

It's a scam - Each time I've been called it's a different person. Never a last name, only a common first name: "Jake", "Donna", "James" claiming to be w/"TD Bank". Always needing to "verify some important information" about my account. As it happens I do bank w/TD Bank and each time I've called my publicly available branch number (NOT the number the callers gave) to verify the status of my account. Each time, the account is FINE - no overdrafts, no overdue payments...nothing wrong. So, what was the urgent need? Probably to get my account number, SSN, or other personal details so they could drain my account.

could you plz sent me your email address like u said you would my address is lorieodell38@aol.com

This is 100 percent a fraud.  I know someone at TD Bank in the Collections Department and this is not them.  The people on here saying its NOT a fraud are the people that work the fraud.  Beware!!  NEVER give them your personal information.  Ask them to give you a partial of your personal info...and they cant do that.  If it was the bank, they would already have this info.

I just  received a phone call from this number and on my answering machine they are pretending to be a collection department of Citibank.  The collection department was closed and they wanted me to leave them my name, phone number and my card number.  I do not owe anything on any of my credit cards and I called citibank to question why I received a phone call from them.. They never called me and never left me a message and I do not owe them anything.  They wanted me to google the number and also they will investigate this phone number.  I'll also call the Better Business Bureau and let them know about this number.

Debt Collectors – Collection Agency's do NOT fall under Do NOT Call registry, as they are not telemarketers.  However, they do constantly violate other Federal Laws, because us American's don't know the laws to protect us.  They are counting on that.  

- Federal Law says you don't have an obligation to Collection Agencies or Debt Collectors; you can send them a written letter and they cannot contact you after that.   This includes Attorney's in state's other than your state of residence.  The only Attorney's that can sue you, have to be licensed in your resident state.

A word of caution:  Some Law Firms do have Firms in other states, and Lawyers licensed in other states, so you have to do a little research before sending a Cease & Desist (Do Not Call & Go Away letter) to make sure they aren't in your resident state or you're likely to get sued by these #%#&*@!#%&@$^*.  

Once a debt collector makes contact with you, they also have to contact you within 5 days after the first phone call, letter etc., and give you validation/proof or judgment of the debt.  You are not required to ask for it.   They never do this!!!!

This law is known as the Fair Debt Collector Practices Act.  You can get it at FTC.gov; as well as other Consumer Protection Laws.

Most collection agencies, purchase your delinquent debt for pennies on the dollar.  Guess what? It is no longer your debt!!!  You don't have any agreement/contract with the debt collector or collection agency.  Your only agreement/contract was with the original creditor.

Do NOT agree to any payment arrangements, or you'll be creating an agreement/contract, where upon initial contact by the Debt Collector, one didn't exist.  The collection agencies are counting on you not knowing this little bit of information.  

The best advice I can give you is, do NOT talk to these idiots - they will leave you in a frustrated heap on the floor.  They lie, and will tell you whatever they need, in order to get you to commit to paying them.

The lies are illegal, but they honestly don't care, they're probably on commission for how much they collect from you and others like you.  

If you do answer the phone, do NOT give out your employer, social security #, DL #, Credit Card and/or Bank information, or any personal information.  Tell them to send you a written statement & you'll respond. Then hang up.  When you get that statement, google, Fair Debt Collection Practices Act and you'll probably find a letter you can send them   Or:  send the letter I’ve enclosed that I use.  Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!
RE
Account #  
Amount in Dispute: $  
Account #  

Dear  :

I am in receipt of your demand for payment.  However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c).  Failure to comply with said Notice shall result in a complaint filed and submitted to, the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court.

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond.  

Sincerely,



Your Name
Address
City, state Zip



Certified Mail#:  


In the Law of Novation: if a debt is purchased by another, for that to be a legal owed obligation, a new contract / agreement has to be written and signed by all parties.  Google Law of Novation and read up!!!

No I am not an attorney, just a well knowledged, educated consumer.  I have spent the past 2 years studying various Federal Consumer Protection Laws.  

I wasn't just satisfied knowing I could send a letter to a Collection Agency/Debt Collector and they had to go away.  I read that in the Fair Debt Collector practices Act law;  I needed to know why, what law tells me the reason why I can.

Everything I have typed, I have learned basically on my own through reading, studying, printing out and binding the laws and underlining/highlighting them.  Not to mention the knowledge I have gained on my own fighting two lawsuits without an Attorney.

I was sued by a Collection Agency, and waiting for a Court date. The Collection Agency Attorney, sent us a letter willing to dismiss with prejudice our lawsuit, if I dismiss our Cross/Counter Claim for Fair Debt Collector Practices Act violations.  Oh, I forgot to mention, we do not have an Attorney representing us; and I have not had any legal experience, in the past whatsoever.

I have read / printed & bound, my State's Rules of Civil Procedure and Rules of Civil Procedure - Evidence.  I catch Attorneys on violations of State Rules of Civil Procedure all the time.  And our Judge's let them get away with it.

And for those of you who say pay up and quit being a deadbeat; it appears that you have never had your life turned upside down, because a good job, not high paying by any means, but a supposed secure job, got your hours cut by 3/4.  

And then a couple years later, as you are just recovering, you lose that job.  And when you are in your 50's, a new job is not so easy to come by.  And when that happens, then what?  

Or what about a major illness, guess you've never had that either - too bad.  Maybe if you did, you'd understand why and how people end up getting in financial straights. Not because they chose to, or decided they were going to find loopholes to get out of paying obligations etc.

What if the money isn't there to pay these debts to begin with?  We've been barely able to pay a mortgage, let alone credit cards etc. It's easy to tell someone else what to do.  I hope someday, something throws your secure little world off its axis, and you find yourself in the very situation as some of us here. Maybe then you'd learn it isn't such a cut/dry situation.

Oh, we've struggled.  And the job last hasn't exactly been replaced.  We're still behind in our Mortgage and trying to catch up, as with our other legal obligations.  I can't work because of various health conditions, or I would, including a part time job at least.  My husband started his own company with the tools of the trade, and now contracts for copier, computer, IT technical jobs as he has a computer science degree, and has years of experience in the others, especially the wide format copier / printers / computers.

People, please read the Fair Debt Collector Practices Act; if a Debt Collector violates any one harrassment or other law in there; Federal Laws says you can sue them for $1,000.00 per violation.  Do it, and then THEY can pay off YOUR obligations!!!  

Again I am not an Attorney - but have learned these by my own experiences.  There are Attorneys you could talk to, and I would, if any violations of the laws have occured in your circumstances.  I am posting this strictly to help others maybe have a piece of mind, if they are up all night worrying about financial problems, and sick to their stomach in worry as I have been, and still are in some ways. I am again just a well informed, knowledgable consumer, who has spent hours studying the laws, because I had no where else to turn for help.  If anything I have written, causes you questions, please seek the advice of an Attorney.

Certain situations such as Mortgages and Car Payment loans usually do not apply here; so you may need to seek the advice of a Lawyer for your individual situation.

If anyone should need help with Lawsuits regarding Collection Agencies/Debt Collectors and/or Credit Cards; I may be able to help you.  Please contact me at tlcpetmommy@gmail.com.

© petmommy copyright 2009 All rights reserved

READ UP ON YOUR LAWS.. If any institute collects THEIR OWN debts, such as TD BANK then most of the FDCPA laws DO NOT APPLY. TD Bank does their own collection, they are not a collection agency, they are a NATIONALLY CHARTERED BANK. This is the true number for TD collections area. This is not a scam. You could have had an account with one of the many Banks that were purchased by TD. If you do not want to give your information, then simply call the number back. NEVER ever give out your full social to anyone who is calling you..

I called TD Bank North's Fraud Department, to find out if in fact this # is their collections department, or if it was Fraud. The lady in the fraud department told me that this is 100% the collection agency that they use for checking accounts that have been overdrawn and have gone into collections. She even went ahead and called the number and ext herself to verfiy that this number was legit.

This is a fraud number

This is a fraudulent call - or a "vishing" call - voice phishing.  I got the call from Derek at TD, with his extension in the Bank's Collections and Recoveries department.  I was suspicious, since I work for TD, and since I have no credit issues.  I called them (btw - their 1-800 call system sounded very good and professional), and I got through to someone, who immediately asked for my social or a loan number.  I refused to give him anything but my name, and asked him for more details on why they were calling.  They wouldn't provide any more info, and kept insisting on my SSN.  So the call ended.
TD Bank is a real bank (formerly TD Banknorth and Commerce), with a great committment to customer service. But they will never ask you for your SSN on the phone.  I reported the call to both my private banker and TD's fraud department.

Okay, need to correct my earlier message.  Apparently this is the TD Bank's Collections department.  Not a fraudulent call after all (spoke to my Private Banker, mixup at their end).  I still maintain you shouldn't give your social to anyone over the phone, and they should know better than to ask.

Donna with T.D. Bank called asking for me but then asking to verify my DOB and last 4. One of the first things taught to protect your own ID, is if they call you, they should have your information. I realize it's "for your protection" that they validate who they are talking to but by asking me for my info is automatically a RED FLAG for a phishing scam. I ask for a number to call back, but even then, I'll call my local branch. Always LEARY when they call me asking for my personal information.

It is TD Bank North.... they have taken over the loans from Chrysler Financial....

They really arent fake its really TdBank...for the person who said they had the police department look into it...either they lied to you for you to stop bothering them or you are the one with bogus info. If you call the number back it goes to TDBank collections. Thats the same number given to you if you call TD BANK customer service and ask them for TDBANK collections.

They need to verify that the person on the phone is the owner on the account before they can release private personal information, even if they called you.

Let's say: Youra unt has account but her sister lives with her and picked up the phone when the bank called. The sister isn't the account owner so the bank would be violating the aunt's privacy if they disclosed any information (such as the fact that the account is past due, how much money is owed, etc.) by assuming that the woman who answered the phone is the aunt.

The 9:30pm call never happened. The office closes at 8:00pm and there are no outbound dialers available before 8:00am or after 8:00pm. If you do not have an overdrawn account or a charged off account with TD Bank, they will take your number off the list. The DO NOT CALL registry is only for telemarketers. TD is calling you because either you or the account holder once had this phone number. That is not applicable to the governed telemarketers Do Not Call list. I work in the Collects & Recovery Department (the number that calls you). If you say "Wrong Number" and indicate the person does not live there, we instantly remove the area code (to prevent the autodialer from dialing you again) and not the account to begin a skip trace process. However, if you never answer the phone, you will remain on the list. The best thing to do is to answer and advise that they have the wrong number.

You should not be giving out false information to people who are on here trying to validate something. You don't know anybody in the TD Bank Collections & Recovery Department or they would not have told you that this is not the number. Just call the number back and see who you get? Or, call TD Bank's customer service number at 888-751-9000 and ask them to transfer you. You'll get right into the same department. When we call, we need to verify that the person who answers the phone is the account holder. You would be pretty upset if your baby sitter told you when you came home that TD Bank called and said your account is overdrawn by $670. Or if your sister borrowed your cell phone and was suddenly given that kind of personal information. We only ask that you verify the last 4 digits of your social security number or your birthdate - whichever you're more comfortable with. And once verified, we can certainly tell you anything contained in your account. Fraud can't do that. So again, unless you know something for certain, you should not be passing out intention WRONG information to the people on this board who are trying to properly understand the reason for the call.

Sometimes when the autodialer is uploaded overnight, your account could have been overdrawn. You may have very well made a deposit in the meantime and brought your account current. Thus, by the time you receive the call, there was no reason for it because you are no longer overdrawn. It just depends on the day and time of the deposit (especially if done via an ATM). Sometimes if a rep is sitting at a different desk, the extension is not theirs and you may hear the voice of the person who normally sits there. The extensions are exclusive to the desks and not the actual reps.

No calls come into your home from TD Bank Collections and Recovery before 8:00am or after 8:00pm. It just does not happen and it CAN'T happen because the dialers shut down precisely at 8:00pm and everybody goes home.

You can simiply contact your MP/MPP for assistance.  They can verify who live in your household and who's not. How ?  Voters list. Almost every Canadian citizen over the age of 18 are on that list. They even got the address, phone number & date of birth of each individual. Unless the collection agency is looking for a person who is under 18 of ago or homeless, then you are out of luck.
Ask the name of the agency, name of the person(agent) who handle the case & the case number. Call your MP/MPP, ask him/her to contact the agency on your behalf. Trust me, most MP/MPP are willing to help. Cause you know, there is no free lunch. When it's election time, you know who you should give your vote to.
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