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US Bank Credit Cards Issued Without Customer Request Class Action

This class action against US Bank, NA alleges that the bank pressured its employees to make sales of financial products, and that this pressure resulted in employees issuing credit cards to customers who had not requested them. The complaint alleges that these issuances violate the Truth in Lending Act (TILA) and Regulation Z.  Read more

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Pendleton Community Bank Unfair OD Fees, Multiple NSF Fees Class Action

This class action about unfair bank fees makes two allegations against Pendleton Community Bank, Inc.: (1) that it charges overdraft (OD) fees for debit transactions that were authorized with sufficient funds in the account, and (2) that it charges multiple non-sufficient funds (NSF) fees on single items.  Read more

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Capital One No Reimbursement for Zelle Fraud Class Action

Zelle, which facilitates money transfers between individuals, is owned and operated by seven large banks and used by customers of some 1,500 participant banks and credit unions. The complaint for this class action alleges that these participant institutions, like Capital One, NA, the defendant in this case, market Zelle as “as fast, safe and secure  Read more

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NBT Bank Overdraft and NSF Fee Settlement

NBT Bank, NA is paying more than $4 million to settle a class action alleging it charged customers certain improper overdraft (OD) and non-sufficient funds (NSF) fees, including APPSN (Authorize Positive, Purportedly Settle Negative) fees and Retry fees. The complaint alleges that NBT breached its account agreements and violated consumer protection laws when it did  Read more

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Frontwave Credit Union OD Fees on APPSN Transactions Class Action

Frontwave Credit Union, the complaint for this class action alleges, unfairly charges overdraft (OD) fees on something called APPSN transactions, that is, “Authorize Positive, Purportedly Settle Negative” transactions. These are transactions that are authorized when an account balance is positive, but settle at time when the account is in overdraft, and the complaint alleges that  Read more

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First Interstate Bank APPSN Fees and Retry Fees Settlement

This settlement resolves two class actions against First Interstate Bank, alleging it engaged in two improper practices not permitted by its account agreements. The complaints claimed (1) that the bank charged overdraft fees on certain transactions, known as “Authorize Positive, Purportedly Settle Negative” (APPSN) when accounts were not actually overdrawn, and (2) that it charged  Read more

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Pelican State CU OD Fees on Non-Overdraft Transactions Class Action

Can a transaction overdraw an account if funds have previously been set aside to pay it? The complaint for this class action alleges that Pelican State Credit Union sets aside funds for debit transactions but then, in certain situations, when the transaction comes up for settlement, it charges the accountholder an overdraft (OD) fee to  Read more

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TD Bank Overdraft Fees with Use of Zelle Class Action

The complaint for this class action faults TD Bank, NA for its “deceptive and incomplete marketing materials” on its Zelle money transfer service. The complaint alleges that TD bank advertises Zelle as a “free” service, even though it claims users can inadvertently incur overdraft (OD) fees and non-sufficient funds (NSF) fees.  Read more

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Provident Bank Overdraft Fees on Accounts Not Overdrawn Class Action

Banks may charge overdraft (OD) or non-sufficient funds (NSF) fees when transactions overdraw accounts. But the complaint for this class action claims that Provident Bank also charges OD fees in instances where transactions do not overdraw accounts. These transactions are known as APPSN transactions, that it, “Authorize Positive, Purportedly Settle Negative.”  Read more

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Mid-Hudson Valley FCU Multiple NSF Fees on One Item Class Action

Mid-Hudson Valley Federal Credit Union offers retail banking services in New York. The complaint for this class action alleges that it charges multiple non-sufficient funds (NSF) fees on a single item, when a previously unpaid item is re-presented for payment. The complaint alleges that this is not permitted by its account documents and that it  Read more

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