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Additional charges in breach of contract

Miniature House, Key, Calculator, Pen, and Spreadsheet

The Fair Debt Collection Practices Act (FDCPA) regulates the activities of third-party collectors of consumer debts, in order to prevent abuse and other misdeeds. The complaint for this class action brings suit under the FDCPA, alleging that LoanCare, LLC charges customers illegal processing fees when they pay their mortgages online or by telephone. 

Bank of America Sign in Front of Location

Banks don’t provide overdraft coverage for any and all overdrafts customers create; they have rules, and a certain amount of discretion. Bank of America, NA and Bank of America Corporation instituted new rules on overdrafts, alleges the complaint for this class action, and then failed to abide by them.

A Wyndham Hotel

Wyndham Hotel Group, LLC is choosing to settle a class action brought against it by customers who booked rooms at its hotels through its websites. The complaint alleged that the company did not properly disclose resort fees when customers were booking their stays.

Vibrant Credit Union Logo

The complaint for this class action makes two charges against Vibrant Credit Union: that it charges overdraft fees for transactions that do not overdraw accounts, and that it charges more than one nonsufficient funds (NSF) fee on a single item.

DCU Logo

An auto-pay bill comes due in your bank account and your bank refuses the transaction because you don’t have enough money. How many non-sufficient funds (NSF) fees should you be charged for this? Should you be charged an NSF fee now and an overdraft (OD) fee later? If your bank is Digital Federal Credit Union (DCU), you might find yourself paying more than you thought, as the bank decides, on its own and without notice to you, to retry the transaction.

NBT Bank Logo

A number of banks have come under fire lately for their overdraft and non-sufficient fund (NSF) fees. This class action brings suit against NBT Bank, NA. In some cases, fees have been assessed when accounts were not actually overdrawn, the complaint alleges, while in others, multiple NSF fees have been improperly assessed on a single item. 

Sign Above Capital One Branch

If you don’t have sufficient funds in your bank account to cover a transaction, how many fees should you be charged? The complaint for this class action alleges Capital One Bank, NA imposes multiple non-sufficient funds (NSF) fees or may charge an NSF fee then an overdraft fee. This, the complaint says, is against the provisions in its own banking documents.

Letters "HSBC" and Logo on Building

One of the things covered in consumer checking account agreements is what happens when a customer attempts a transaction but does not have sufficient funds to cover it. The complaint for this transaction alleges that HSBC Bank USA, NA violates its own agreements by charging consumers multiple non-sufficient funds fees.

Kansas City Life Insurance Company Building

Life insurance policies often have a “cash value” feature. Each month, the insurance company is able to deduct certain costs from the cash value—but only those costs permitted by the policy agreement. The complaint for this class action alleges that Kansas City Life Insurance Company deducts more than it is entitled to from the cash value.

Grand Canyon University Campus

The complaint for this class action alleges that Grand Canyon University (GCU) makes doctoral students take unnecessary “continuation courses.” This requires that students pay for, or borrow money for, courses that the complaint says “have no value." This also results in students having to repay their student loans when they have not finished their degrees and are not yet working in their fields.