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Planet Home Lending Unnecessary Home Inspections Class Action

When are mortgage lenders required or permitted to make a visual inspection of the property if the mortgage is in default? If the mortgage is insured by the Federal Housing Administration (FHA), the Department of Housing and Urban Development (HUD) has a regulation that governs that situation. The complaint for this class action alleges that  Read more

Loans
Mortgage-Related Unfair Practices, Inspection Fees
Bill Stamped "Past Due" in Red

Structured Settlement “Overshadowing” of G-Notice Nevada Class Action

The Fair Debt Collection Practices Act (FDCPA) was designed to prevent abuse by third-party debt collectors trying to collect debts allegedly owed by consumers for debts incurred for personal, family, or household purposes. The complaint for this class action alleges that Structured Settlement and/or Nationwide Capital Services, LLC do not meet the requirements of the  Read more

Loans
Unlawful Debt Collection, Misleading or Confusing Debt Collection Letter, FDCPA
JPMorgan Chase Sign in Front of Tall Building

JPMorgan Chase Misleading Credit Card Fee Statement TILA Class Action

The Truth in Lending Act (TILA) aims to offer consumers proper disclosure of the terms of credit. The complaint for this class action alleges that JPMorgan Chase Bank, NA made disclosures “with inaccuracies or omissions” about its annual account or membership fees for its credit card accounts, thus violating the requirements of TILA.  Read more

Loans
Your Bank, TILA, Debit or Credit Card Fees, Credit Cards
A Credit One Credit Card

Credit One No Live Representative for Express Payments NY and FL Class Action

When consumers don’t make a lot of money, they must sometimes pay bills at the last minute. The complaint for this class action alleges that Credit One Bank, NA charges extra for “expedited” payments, but does not obey the requirements for charging such fees set forth in Regulation Z of the Truth in Lending Act  Read more

Loans
Your Bank, Unlawful Fees, Debit or Credit Card Fees, Credit Cards, Charges Not Permitted by Law
Man Placing Small House on Top of Blocks Spelling "Mortgage"

Kelco FCU Errors in Mortgage Accounts with Balloon Payments Class Action

This complicated case involves both individual and class concerns about mortgage payments in Maryland. The complaint alleges that Kelco Federal Credit Union misapplied payments, misreported balloon amounts, and failed to correct errors, creating ever-larger problems for the homeowners, who finally brought this case against Kelco.  Read more

Loans
Servicing Your Mortgage, Mortgage-Related Unfair Practices, Failure to Provide Proper Info on Mortgage
Man Placing Small House on Top of Blocks Spelling "Mortgage"

Select Portfolio Servicing Responses to Borrowers Class Action

This class action brings suit against Select Portfolio Servicing, Inc. (SPS). The legal concerns relate to provisions of Regulation X and of the Real Estate Settlement Procedures Act (RESPA). RESPA aims to make sure that consumers are provided with better and more timely information about settlements and to protect them from abusive practices; Reg X  Read more

Loans
Servicing Your Mortgage, RESPA
Wells Fargo Sign with Stagecoach Image

Wells Fargo Improper Mortgage Insurance Premiums Class Action

Wells Fargo is a very large mortgage lender. Some of its mortgages are insured by the Federal Housing Administration (FHA). The complaint for this class action names Wells Fargo, NA and Wells Fargo Home Mortgage as defendants and alleges that Wells Fargo continues charging borrowers for FHA premiums even after they are no longer due.  Read more

Loans
Servicing Your Mortgage, Mortgage-Related Unfair Practices, Extra Charges
MegaStar Name over Image of City Skyline

MegaStar Mortgage Loans Pay-to-Pay Fees California Class Action

MegaStar Financial Corp. services mortgages. But the complaint for this class action alleges that they “impermissibly profit” off homeowners “by charging and collecting illegal payment processing fees when borrowers make their monthly mortgage payments by telephone or online…” These are known as pay-to-pay fees, and the complaint claims they violate debt collection laws and breaches  Read more

Loans
Servicing Your Mortgage, Processing or Pay-to-Pay Fees, Mortgage-Related Unfair Practices
Hand Holding Out Mortgage Paper and Pen

LoanCare Improper Escrow of Water Quality Fees Class Action

LoanCare, LLC is a mortgage servicing company. Like many mortgage servicers, it collects additional funds for things like taxes on the mortgaged property, which it holds in an escrow account until payment comes due. But the complaint for this class action alleges that it should not be collecting water quality fees in this same manner.  Read more

Loans
Servicing Your Mortgage, Mortgage-Related Unfair Practices
Wells Fargo Name with Stagecoach Logo

Wells Fargo Mortgage Forbearance Enrollment Without Consent Class Action

In an earlier scandal, Wells Fargo was caught opening credit card and other accounts for clients without their knowledge or permission. The complaint for this class action alleges that Wells Fargo & Company and Wells Fargo Bank, NA have now enrolled some mortgage customers in Covid-19-related forbearance programs without their knowledge or permission.  Read more

Loans
Servicing Your Mortgage, Mortgage-Related Unfair Practices, Mortgage or Loan Modifications, Enrolling Consumer in Service Without Consent