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Servicing Your Mortgage

Wells Fargo Logo

If you ask your mortgage servicer for information, can the servicer refuse to provide it? The complaint for this class action alleges that Wells Fargo Bank, NA violated the Real Estate Settlement Procedures Act (RESPA) when it refused to answer customer Requests for Information (RFIs) and Notices of Error (NOEs).

M&T Bank Logo

The complaint for this class action alleges that M&T Bank charges mortgage borrowers illegal Pay-to-Pay fees when they make payments over the telephone. The complaint claims that these fees are illegal, both under federal and state laws. At issue are the federal Fair Debt Collection Practices Act (FDCPA) and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA) and the terms of the mortgage contract.

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.

RoundPoint Mortgage Logo

RoundPoint Mortgage Servicing Corporation has agreed to refund money to borrowers to settle a class action about lender-placed insurance (LPI, also known as force-placed insurance). Mortgage lenders require that homeowners have an LPI policy when the homeowners’ insurance lapses or when the homeowners’ policy is not considered acceptable to the lender.

Freedom Mortgage Corporation Logo

Plaintiff Stacy Chittick had made all of her mortgage payments on time, including amounts intended for her escrow account. But the complaint for this class action claims her mortgage servicer did not pay the taxes due from her escrow account on time, costing her penalties and other difficulties.

Nationstar Logo

The complaint for this class action claims that Nationstar Mortgage, LLC did not fully respond to a borrower’s questions about her mortgage, in violation of the Real Estate Settlement Practices Act (RESPA). She was requesting a payment history, including information about charges, credits, and escrow payments.

Mortgage Papers and Check

As a mortgage lender who makes loans secured by real estate in California, Seterus, Inc. must follow California law, the complaint for this class action says, including the law that says it must pay borrowers a minimum of 2% interest on money put in escrow to pay for things like property taxes and insurance. Because Seterus appears not to do so, the complaint claim that the company has violated California’s Unfair Competition Law and breached its contracts. The complaint takes note of provisions in federal laws and regulations about the preemption of state laws and regulations. 

Ditech Logo

Mortgages are the largest items in most people’s credit portfolios, and errors in mortgage servicing can have major impacts on mortgage holders’ lives. In this class action, plaintiff Eugenia Rapp alleges that mortgage servicer Ditech did not use adequate dispute-reporting processes, so that it violated both the Real Estate Settlement Procedures Act (RESPA) and the Fair Credit Reporting Act (FCRA). According to the complaint, the disputes arose after Ditech took over the servicing of her modified home loan, when the company repeatedly furnished derogatory information to credit reporting agencies despite her sending repeated letters with documentation showing that she had made all her payments.

This settles a class action alleging that Chase did not provide satisfactions of mortgage or certificates of discharge available for recording within thirty days after mortgages were paid off. According to the complaint, this violates the New York Real Property Actions and Proceedings Law and New York Real Property Law.

This class action alleges that New Penn Financial, LLC, doing business as Shellpoint Mortgage Servicing, unlawfully and improperly maximized its revenue by utilizing automated computer systems to assess unnecessary and unwarranted fees on the mortgage loan accounts it was servicing, including Property Inspection fees, Property Preservation fees, Broker Price Opinion and Property Appraisal fees.