Bank fees, mortgages, credit reporting, and debt collection.
Banking and lending lawsuits cover disputes between consumers and banks, lenders, mortgage servicers, credit bureaus, and debt collectors — including alleged unfair fees, mortgage servicing errors, inaccurate credit reports, abusive collection tactics, and predatory loan terms.
Bank account practices and fees.
Many banking lawsuits involve account fee practices — overdraft fees, returned-item fees, monthly maintenance charges, and the order in which transactions are posted. Plaintiffs often allege that fee disclosures were unclear, that fees were charged inconsistently with account agreements, or that posting practices unfairly maximized overdraft charges.
Other disputes involve unauthorized account openings, account closures, holds on deposits, wire transfer issues, and disputes over electronic transactions under the Electronic Fund Transfer Act and Regulation E.
Mortgages and mortgage servicing.
Mortgage-related lawsuits often involve loan origination disclosures, loan modifications, force-placed insurance, escrow handling, and foreclosure procedures. The Real Estate Settlement Procedures Act (RESPA) and Truth in Lending Act (TILA) set out borrower rights, including specific obligations for mortgage servicers.
Common claims include misapplied payments, wrongful foreclosure, failure to honor loan modification agreements, dual-tracking violations, and improper notice of default.
Credit reporting and debt collection.
The Fair Credit Reporting Act (FCRA) governs how credit bureaus and furnishers handle consumer credit information. Common claims involve inaccurate information on credit reports, failure to investigate disputes, mixed files, and improper access to consumer reports.
The Fair Debt Collection Practices Act (FDCPA) regulates third-party debt collectors. Common claims involve calls at improper times, communications with third parties, false representations about a debt, threatening prohibited actions, and continued collection of disputed debts.