Skip to content Skip to navigation

EFTA

JPMorgan Chase Skyscraper, Looking Up

The plaintiffs in this class action, James and Darryl Ellis, previously filed a class action against their new mortgage servicer for making mortgage deductions on the wrong days, causing them financial difficulties and costing them overdraft fees. Now, they bring suit under the Electronic Funds Transfer Act (EFTA) against JPMorgan Chase Bank, NA, the bank that permitted the incorrect withdrawals from their account and then charged them overdraft fees.

Mr. Cooper Logo

The Electronic Funds Transfer Act (EFTA) governs preauthorized transfers from bank accounts. The complaint for this class action claims that Nationstar Mortgage, LLC, which does business now as Mr. Cooper, violated both EFTA and the Real Estate Settlement Procedures Act (RESPA) in its incorrect handling of preauthorized mortgage payments from customer accounts.

SeaWorld Ride at San Antonio, Texas Theme Park

SeaWorld is paying $12 million to settle a class action claiming that it breached contracts when it automatically renewed EZpay contracts with passholders. The EZpay contracts allow consumers to make monthly payments for yearlong passes to SeaWorld theme parks. The complaint alleged that renewals in some cases also violated the Electronic Funds Transfer Act (EFTA).

Neon Sign Saying "Bail Bond"

It can be convenient to have a company regularly debit a customer’s bank account for recurring charges. But under the Electronic Funds Transfer Act (EFTA), consumers must properly authorize these regular debits. The complaint for this class action claims the Absolute Bonding Corporation was authorized to make a single withdrawal from the plaintiff’s account but then continued to make withdrawals once a month thereafter.

Xperience Fitness Gym in Wisconsin

Vertical Fitness Group, LLC runs gyms in Wisconsin called Xperience Fitness which offer monthly memberships and personal training. At issue in this class action are what the complaint alleges are “fraudulent billing practices,” falling under the provisions of the Electronic Funds Transfer Act (EFTA) and Wisconsin state law on Fitness Center and Weight Reduction Center Contracts.

For Your Entertainment Logo

Trans World Entertainment Corporation runs For Your Entertainment (FYE), which sells entertainment, video, and music products; Synapse Group, Inc. is a magazine marketer. The complaint for this class action claims that the two companies partnered to charge consumers for memberships and magazine subscriptions that they had not agreed to purchase.

MGM Resorts International Gift Card

MGM Resorts International and Costco are settling a class action alleging that the companies violated the Electronic Funds Transfer Act as well as state laws by charging inactivity fees on their gift cards. 

Prison Block with Cells

When plaintiff Amber Humphrey was taken into custody, her cash, clothing, and other possessions were taken from her, to be returned at her release. However, the complaint for this class action claims that Lorrain County, Ohio no longer returns cash to people such as Humphrey. Instead, their cash is put onto debit cards that are subject to various fees and charges to which the people have never agreed. The complaint charges that this system represents conversion, unjust enrichment, and violation of the Electronic Funds Transfer Act, among other things.

DirecTV Logo

The complaint for this class action alleges that Cable Vision CCTV, LLC signed Plaintiff Anthony Valdez for DirecTV services, asked him for a debit card number, saying it would charge only $1, then proceeded to make over $800 of charges, overdrawing his account. The complaint claims that withdrawal of funds without written authorization is a violation of the Electronic Funds Transfer Act.

Jacksons Car Wash

Plaintiff Louis Fisher took his car to Jacksons Car Wash and signed up for a month of car washes, paying with his debt card. But he didn’t just get charged for one month’s worth of car washes; according to the complaint for this class action, for months thereafter, he was billed for a month’s worth of car washes. The complaint claims that both that and the fact that he was never given a copy of his authorization for the first month of car washes are violations of the Electronic Fund Transfer Act (EFTA).