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JPMorgan Chase Sign in Front of Building

People make painstaking payments over many years to pay off a mortgage, but it may take only a short run of difficulty to undo it all and lead to the disaster of foreclosure. The complaint for this class action claims that JPMorgan Chase Bank, NA foreclosed on the home of plaintiffs Dhimiter Llori and Natalia Hoshovsky before it was legally permitted to do so. It cites paragraph 9(d) of the mortgage contract, limiting a lender’s right to foreclose, and then a federal regulation requiring a face-to-face meeting between mortgagor and mortagee.

New England Style Home

Do you own a home in New York State? Do you pay a portion of your property taxes or insurance when you pay your mortgage each month? If so, you may be entitled to earn interest on those funds. We have seen signs that Bank of America is not complying with this consumer-oriented law, and we’re investigating to see if a class action is needed.

List of Overdraft Charges

Britney Lawrence took two rides with Uber, one for $7.53 and the other for $8.21. Unfortunately, the rides overdrew her bank account, and she was charged an additional $35 in overdraft fees for each ride. N. Pantelyat used her Bank of America debit card for two Uber rides, one billed at $10 and the other at $7.67. The bank paid both, but also charged her an overdraft fee for each payment. The legal problem in both of these cases is that the two banks involved claimed in their account agreements that they would only pay “recurring” charges that created an overdraft. The Uber rides—and other charges made through popular apps—may be being misclassified, so that customers are forced to pay overdraft charges they should have incurred.

Bank of America Sign

Bank of America is settling a class action alleging that it falsely classified debit charges for Uber rides as recurring transactions, paid them, then charged the customers overdraft fees.

Capital One ATM

According to the complaint for this class action, Capital One, NA charges customers for balance inquiries at its own in-network ATMs, and customers who use out-of-network (OON) ATMs may end up paying as many as three fees for a balance inquiry and withdrawal. The complaint claims that the bank is guilty of breach of contract and breach of the covenant of good faith and fair dealing, among other things.

Hands Offering Mortgage Paper and Pen

LoanCare, LLC is a mortgage lender who makes loans secured by real estate in California, so the complaint for this class action says it must follow the California law, including the law requiring it to pay borrowers a minimum of 2% interest on money put in impound escrow accounts. LoanCare appears not to do so, and the complaint claim that the company has violated California’s Unfair Business Practices Act and breached its contracts. 

PNC Bank Branch

When Plaintiff Jacqueline Pfendler got behind on her mortgage, she stayed in communication with PNC Bank, the servicer, the complaint for this class action alleges. However, the bank scheduled a drive-by inspection, the complaint says, and required her to pay for it. Then, despite her payment, the complaint says, less than a month later they did it again. Such inspections have no other purpose, the complaint says, than to determine that the property has not been abandoned, and they are therefore not necessary, reasonable, or appropriate.

Bank of America Branch

Bank of America has decided to settle a class action alleging that the extended overdrawn balance charges it charged customers violated the National Bank Act’s usury limit. 

Citizens Bank Logo

Citizens Financial Group, Inc. and Citizens Bank, NA will be paying back to customers annual fees it incorrectly levied on their Home Equity Line of Credit (HELOC) or Line of Credit (LOC) accounts with Citizens Bank or Charter One Bank. 

TD Bank Logo

Plaintiff Britney Lawrence has an account and debit card with TD Bank, NA. Two documents for the account both promise customers that the bank will refuse debit charges for non-recurring expenses that would overdraw the account, unless they specifically opt into the bank’s Debit Card Advance Program. However, according to the complaint TD Bank honors debit transactions and charges overdraft fees when the business involved is Uber or Lyft so that even though Lawrence had not opted in to the program, the bank accepted debits for two ride shares, a total of less than $16, and charged her $70 in overdraft fees.

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