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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.

Navy Federal Credit Union

This class action alleges that Navy Federal Credit Union (NFCU) did not properly disclose its methods of setting aside funds from customer accounts and paying transactions, leading to extra “Optional Overdraft Protection Fees” (OOPFs) being charged to customers for overdrafts they did not expect.

JP Morgan Chase

The complaint for this class action alleges that JP Morgan Chase furnished inaccurate information about plaintiff Mark Donald Hunt, in connection with a mortgage, to the three major credit agencies—Experian, Trans Union, and Exquifax—over a period of twenty-two months, for sixty-six violations of the FCRA.

Citizens Bank

When a bank charges you not only an overdraft fee, but additional fees on the days before you repay the overdraft, are those additional fees interest on a loan? This class action argues that they are, and that Citizens Bank’s specific additional fees on overdrafts therefore violate federal laws against usurious interest charges.

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The plaintiffs in this lawsuit allege that FirstMerit unlawfully rearranged the order by which debit card transactions were posted in customers’ deposit accounts to increase the number of overdrafts that their accounts would experience in any particular day and to improperly charge excessive and unwarranted overdraft fees.

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The plaintiff in this class action lawsuit alleges that the Bank of Oklahoma (BOKF) improperly assessed overdraft fees for insufficient funds on debit card transactions, check card purchases, and/or ATM withdrawals by sequencing transactions in a high-to-low posting order, resulting in increased overdraft fees in some instances.

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            This class action lawsuit claims that People's United Bank systematically assesses overdraft fees on transactions when there is enough money in the checking account to cover the transactions presented for payment.

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This class action lawsuit claims that Landmark Credit Union (LCU) illegally assessed overdraft fees on transactions when there was enough money in the checking account to pay for the transactions. 

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The plaintiffs in this class action lawsuit allege that the fee Wells Fargo assessed borrowers for Broker’s Price Opinions (BPOs) was improper because it was greater than the amount Wells Fargo paid to the brokers who performed the BPOs.  A BPO is an informal valuation of property, like an appraisal, but it is typically performed by a real estate broker. 

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