Caliber Home Loans Pay-to-Pay Fee Settlement

Caliber Home Loans, Inc. is settling three class actions alleging it charges borrowers pay-to-pay fees to make mortgage payments. The complaint alleged the company charged borrowers fees to make online, telephone, or IVR payments, and that this violates the Fair Debt Collection Practices Act (FDCPA) and breaches borrowers’ loan agreements.  Read more

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PNC Pay-to-Pay Fees California Settlement

This settlement resolves a California class action against PNC Financial Services Group, Inc. The complaint claimed that PNC charged pay-to-pay fees for borrowers to pay their mortgages on residential properties in California, by telephone, by IVR, or online. It alleged that these fees violated California’s Rosenthal Act and its Unfair Competition Law.  Read more

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Freedom Mortgage Convenience Payments Settlement

Freedom Mortgage Corporation is settling class actions filed against it in Texas and California that claim it charged borrowers “convenience fees” for making mortgage payments online or over the phone, including through interactive voice response systems. The complaint alleged that the fees violated state debt collection laws and breached the terms of mortgage agreements.  Read more

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PHH Mortgage of Pay-to-Pay Fees West Virginia Class Action

This class action bring suit against PHH Mortgage Corporation from improperly profiting from homeowners whose mortgages it services by charging illegal processing fees, or “pay-to-pay” fees, for mortgage payments made by telephone or online. The complaint alleges this violates the West Virginia Consumer Credit and Protection Act (CCPA), the state’s debt collection law, and the  Read more

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Ally Financial Auto Loan Collection Pay-to-Pay Fee Class Action

This class action involves an auto loan serviced by Ally Financial, Inc. and a pay-to-pay charge it applied to borrower payments. The complaint alleges that the fee was excessive and not permitted under the Retail Installment Sales Contract (RISC) governing the loan.  Read more

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M&T Bank Pay-to-Pay Fees Settlement

M&T Bank will be paying $3.325 million to settle a class action alleging that it unfairly charged borrowers pay-to-pay fees for making mortgage payments online. The complaint alleged that these fees violated the Fair Debt Collection Practices Act, the Rosenthal Fair Debt Collection Practices Act, and the terms of the borrowers’ mortgage loan agreements.  Read more

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Rushmore Loan Management Excessive Pay-to-Pay Fees Class Action

Rushmore Loan Management Services, LLC services home mortgages. But the complaint for this class action alleges that it violates California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA) and the terms of mortgages by charging processing fees when customers make their monthly payments by telephone. These pay-to-pay fees amount to $5 when homeowners use the automated  Read more

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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

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PHH Mortgage Telephone Pay-to-Pay Charges Class Action

The word “mortgage,” the complaint for this class action tells us, literally means “death pledge.” The complaint’s topic is actually slightly less dramatic: It alleges that PHH Mortgage Corporation violates various consumer-debt-related laws in charging excessive fees to borrowers who make over-the-telephone payments.  Read more

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AmeriHome Mortgage Telephone Pay-to-Pay Charges Class Action

AmeriHome Mortgage Company, LLC, the complaint for this class action estimates, “has a $23 billion portfolio of mortgage servicing rights.” However, it charges a fee of up to $2 when borrowers make their mortgage payments over the telephone. The complaint alleges that this “Pay-to-Pay” fee is unlawful.  Read more

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