$17M PHH Mortgage Real Estate Fee Kickback Scheme Class Action Settlement

Who is a Class Member

You are included in the PHH Mortgage Real Estate Fee Kickback Scheme Class Action Settlement “if on or after November 25, 2014 and on or before November 25, 2015, you:

  1. closed on a mortgage loan originated by PHH Corporation, PHH Mortgage Corporation, PHH Home Loans, LLC, or any of their affiliates (including loans where PHH Mortgage Corporation provided origination services on behalf of any PLS Partners), and
  2. paid title-, escrow-, or closing-related charges in connection with that mortgage loan to Title Resource Group LLC or any of its affiliates.”

You can view the complete list of affiliates of PHH Corporation, PHH Mortgage Corporation, and PHH Home Loans LLC; and PLS Partners here.

If you don’t qualify for this settlement, check out our database of other class action settlements you may be eligible for.


Settlement Amount

  • $17,000,000.00

Estimated Award

  • Varies

The actual amount of your individual payout is estimated to be between 15 percent and 20 percent of the amount you paid and is based on PHH’s records. Specifically, your payout will reflect the total amount of the fees shown either on Lines in the 1100 series of your HUD-1 Settlement Statement, or in the section of your Closing Disclosure form, corresponding to the title, escrow, and closing-related charges that you paid to Title Resource Group or its affiliates at closing of your real estate transaction.

If you disagree with the listed amount paid on your Notice, you should submit a Claim Form specifying what you believe to be the accurate amount paid.


Proof of Purchase

  • You will need to provide your Claim ID and PIN code printed on your Class Notice.

Claim Form

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Note: If you agree with the Amount Paid listed on your Notice, you do not need to do anything to receive payment. However, if you feel the amount paid listed on your Notice is inaccurate, you can submit a claim form along with supporting documentation.

You can also request a paper claim form by calling the Settlement Administrator at 1-866-651-8299.


PHH Mortgage Real Estate Fee Kickback Scheme Settlement Notes

  • Dodge, et al. v. PHH Corporation, et al.
  • Case No. 8:15-cv-01973-FMO-AFM
  • Pending in the U.S. District Court for the Central District of California

PlaintiffsSheri and Neal Dodge and Ram and Sarita Agrawal initiated this class action lawsuit alleging that borrowers who obtained a mortgage loan from PHH Mortgage or their affiliates were improperly referred for title, escrow, or closing-related services from Title Resource Group or its affiliates in exchange for kickbacks.

Specifically, the complaint alleges that for more than a decade PHH engaged in an “improper scheme of providing cross-referrals, preferences, exclusivities, and other things of value to and among themselves, often through their many affiliates and subsidiaries, for settlement services related to federally-related mortgage loans. The purpose and effect of the scheme was to permit Defendants (defined below) to influence the market and obtain anticompetitive prices for their services” – a violation of the Real Estate Settlement Procedures Act or RESPA.

Congress passed RESPA in 1974 to promote competition within the real estate settlement industry and protect consumers from “unnecessarily high settlement charges caused by certain abusive practices.” One goal, in particular, was the “elimination of kickbacks or referral fees that tend to increase unnecessarily the costs of certain settlement services.”

In the Dodges’ case, they refinanced their home in California in October 2015 with Morgan Stanley Private Bank, for which PHH acted as the bank’s agent, providing loan processing and underwriting services.

The Dodges were referred to Title Resource Group for both title insurance and other settlement services in connection with their refinance. “The Dodges trusted and relied that the referrals were lawful and not part of an anticompetitive kickback scheme,” the lawsuit states. The Dodges paid fees and other charges totaling approximately $1,233.50 to Total Resource Group for the services related to the settlement of their mortgage loan. After closing, the Dodges’ new loan was serviced by PHH. They refinanced two other homes around the same time, where they were again referred to Title Resource Group for title insurance and other settlement services and where PHH serviced their new loan.

The Dodges claim they were never made aware of the kickback scheme and as a result paid more for settlement services than they would have paid in the absence of the anticompetitive referrals and kickbacks.

PHH denies any wrongdoing but agreed to settle to the tune of $17 million. Complete details about the case and settlement can be found on the PHH Mortgage Real Estate Fee Kickback Scheme Settlement Website.

Class members who wish to exclude themselves or object to the PHH Mortgage Real Estate Fee Kickback Scheme settlement must do so by May 14, 2018. Class members who wish to contest the amount listed on their Class Notice, must submit a claim form along with supporting documentation on or before May 14, 2018. Class members who agree with the amount listed on their Notice do not need to do anything.


Important Dates

  • 5/14/18: Claim Form Deadline (Only if you disagree with the amount listed on page 4 of your Class Notice)
  • 5/14/18: Objection or Exclusion Deadline
  • 8/16/18: Final Hearing at 10:00 a.m. PT* (class members do not need to attend this hearing in order to receive a slice of the settlement pie).

*Settlement Class Members who wish to speak at the hearing should check www.RealEstateFeeSettlement.com to confirm that the date or time of the Hearing has not been changed.


Contact Information

  • Mail: Dodge v. PHH Corporation Claims Administrator, P.O. Box 404041, Louisville, KY 40233-4041
  • Phone: 1-866-651-8299

Class Counsel


Settlement Website

Claim $150 Chicago Title Insurance Class Action Settlement (Connecticut Only)

Who is a Class Member

Members of the Chicago Title Insurance class action settlement include all persons who:

  1. “Paid for a lender’s policy of title insurance issued by Chicago Title and its agents in connection with the refinancing of a mortgage loan on residential property located in Connecticut that was completed any time from January 1, 2000, to September 26, 2006 (the “Class Period”), where the same premises had been mortgaged within the previous ten-year period by a mortgage loan from 4 a bank, mortgage bank, credit union, or other financial institution that was the primary loan used to purchase the property or to refinance (i.e., pay-off) all previously existing mortgages on the property (an “Institutional First Mortgage”)
  2. Paid more than the discounted refinance rate under Chicago Title’s then-applicable rate manual;
  3. Had no intervening change in fee ownership of the premises since the prior Institutional First Mortgage (other than the addition or deletion of a family member); and
  4. Appear or whose current or former property address appears on the Class Mailing Notice List.”

If you don’t qualify for this settlement, check out our database of other class action settlements you may be eligible for.


Estimated Award

  • $150

Eligible claimants will be entitled to $150, unless the total amount of valid claims exceeds $200,000, in which case, you will receive a pro rata (equal) share of $200,000.


Proof of Purchase

  • Claimants will need to provide a PIN to file a claim online. If you would like to submit a paper Claim Form via mail, you can download one here.

Claim Form

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Chicago Title Insurance Settlement Notes

  • Deborah Mahon v. Chicago Title Insurance Company
  • Case No. 3:09-cv-00690-AWT
  • Pending in the U.S. District Court for the District of Connecticut

Back in 2009, plaintiff Deborah Mahon brought this class action lawsuit against Chicago Title Insurance alleging the company improperly failed to charge the discounted refinance rate for lenders’ title insurance policies in some residential mortgage refinance transactions.

Specifically, Mahon claims that Chicago Title Insurance not only failed to give the discounted refinance rates to her and other borrowers, they never even informed them they qualified for such rates. these actions resulted in financial harm to Mahon and Class members.

“The fact that the transactions were refinance transactions was reflected in the chain of title and closing documents for Plaintiff’s and the Class members’ properties and, therefore, Chicago Title Insurance knew or should have known that Plaintiff and the Class members qualified for, and were entitled to receive, a discounted refinance rate,” the complaint stated.

Chicago Title Insurance denies any wrongdoing but agreed to settle the case after nearly a decade, among other reasons, to avoid further litigation costs. Complete details about the case and settlement can be found on the Chicago Title Insurance Settlement website.

The Chicago Title Insurance class action settlement was granted preliminary approval on February 28, 2018. Class members who wish to exclude themselves or object to the settlement must do so by May 29, 2018. Class members who wish to receive a cash payment from the settlement must submit their claim form on or before May 29, 2018.


Important Dates

  • 5/29/18: Claim Form Deadline
  • 5/29/18: Objection or Exclusion Deadline
  • 7/5/18: Final Hearing at 10:00 a.m. ET* (class members do not need to attend this hearing in order to receive a slice of the settlement pie).

*Settlement Class Members who wish to speak at the hearing should check the Chicago Title Insurance Settlement website to confirm that the date or time of the Hearing has not been changed.


Contact Information

  • Mail: Claims Administrator, RG/2 Claims Administration, P.O. Box 59479, Philadelphia, PA 19102-9471
  • Phone: 1-866-742-4955
  • Email: info@RG2Claims.com

Class Counsel


Settlement Website

Seterus PMI Termination Class Action Settlement

Who is a Class Member

Members of the Seterus PMI Termination Class Action Settlement include “all borrowers in Illinois, Indiana, who, between October 1, 2013 and October 1, 2016: (1) had Modified Loans serviced by Seterus; (2) qualified for automatic termination of their PMI based on the Original Value; and (3) paid PMI premiums after they qualified for automatic termination based on the Original Value.”

If you don’t qualify for this settlement, check out our database of other class action settlements you may be eligible for.


Estimated Award

  • Varies

Class members who do not exclude themselves from the settlement will receive a check for 68% of the PMI premiums they paid between the actual date on which PMI terminated and the date on which PMI would have terminated based on the Original Value.


Proof of Purchase

  • N/A

Claim Form

  • N/A

Seterus PMI Termination Settlement Notes

  • Ciolino v. Seterus, Inc.
  • Case No. 15-cv-9247
  • Pending in the U.S. District Court for the Northern District of Illinois, Eastern Division

In October 2015, plaintiff Patrick Ciolino filed this class action lawsuit alleging that Seterus incorrectly calculated the automatic termination date of PMI for homeowners whose loans has previously been modified. Specifically, Ciolino contends that Seterus calculations were based on the value of the property at the later of the loan’s origination, the most recent refinance (Original Value). These actions, the lawsuit claims, are in direct violation of the federal Homeowner’s Protection Act.

According to court documents, Seterus used a computer program which calculated new PMI automatic termination formulas using a modified property value, instead of the original property value, but never disclosed this fact to Ciolino or other impacted borrowers, up until October, 2016, when it changed its practices. In Ciolino’s case, that resulted in the PMI automatic termination date being extended from late 2013 to March, 2023!

The lawsuit goes on to state that Seterus never informed Ciolino of the new PMI automatic termination date, and Seterus never provided him with a new amortization schedule after his loan was modified. When he complained that he was still being charged PMI in the summer of 2015, Seterus informed him he had to wait until the “estimated midpoint” of his loan, or pay a $350 appraisal fee in order to prove Seterus was obligated to terminate his PMI. It did not provide him with any information regarding the new PMI automatic termination date for his loan, nor did it inform him how it was calculating that date.

“On information and belief, based on industry practice, Seterus has a financial incentive to continue the PMI on plaintiff’s loan because it receives a portion of the premium and it desires the protection provided by PMI to lenders,” the complaint reads.

Seterus denies the allegations and says they no longer uses the Modified Value to calculate automatic PMI termination unless the use of the Modified Value is a condition of the applicable loan modification agreement. Complete details are provided in the Settlement Agreement. The Settlement Agreement and other related documents are available on the Seterus PMI Termination Settlement website.

Class members who wish to exclude themselves or object to the terms of the Seterus PMI Termination Settlement must do so in writing; your request must be postmarked by April 3, 2018 and received by the Settlement Administrator by April 13, 2018. Class members who wish to receive a payment do not need to do anything.


Important Dates

  • 4/3/18: Objection or Exclusion Deadline
  • 5/10/18: Final Hearing at 9:30 am CT* (class members do not need to attend this hearing in order to receive a slice of the settlement pie).

*Settlement Class Members who wish to speak at the hearing should check www.PMITerminationSettlement.com to confirm that the date or time of the Hearing has not been changed.


Contact Information

  • Mail: First Class, Inc./ J13710-Ciolino, 5410 W. Roosevelt Rd., Ste. 222, Chicago, Illinois 60644-1490
  • Phone: 1-844-452-7994
  • Email: info@edcombs.com (Class Counsel)

Class Counsel


Settlement Website

Claim $400 JPMorgan Chase Lien Release Class Action Settlement (Maine Only)

Who is a Class Member

The JPMorgan Chase Lien Release Class Action Settlement includes all persons: “(1) who were the mortgagor for a home loan that was secured by a mortgage on property located within Maine; (2) for whom, after September 28, 2011, Chase or one of its agents recorded a mortgage release with a registry of deeds in Maine; and (3) to whom, after September 28, 2011, Chase or one of its agents: (a) sent a recorded mortgage release more than 30 days after receiving it back from the Maine registry of deeds; or (b) did not send the original recorded mortgage release that it received back from the Maine registry of deeds.”

The class period is from September 28, 2011 through November 30, 2017.

If you don’t qualify for this settlement, check out our database of other class action settlements you may be eligible for.


Estimated Award

  • $400

Class members who submit a valid and timely claim form will receive a settlement check of $400. You may only submit one Claim Form per mortgage loan secured by Maine property.


Proof of Purchase

  • Claimants that contend that Chase did not send the original recorded mortgage release that it received back from the Maine registry of deeds, must submit a copy of the non-original recorded mortgage release that they contend they received from Chase.

Claim Form

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Note: Claimants must submit a completed IRS Form W-9 along with their Claim Form. A W-9 can be downloaded from the settlement website. The Claim Form must also be signed by both the borrower and co-borrower of the Maine mortgage loan.


JPMorgan Chase Maine Lien Release Settlement Notes

  • Alec T. Sabina and Emma L. Sabina v. JP Morgan Chase Bank, N.A.
  • Case No. BCD-CV-14-061
  • Pending in the Business and Consumer Court for Cumberland County, Maine

In March 2014, plaintiffs Alec and Emma Sabina filed this putative class action lawsuit alleging JPMorgan Chase violated the law by not sending them and other Class members their “original” recorded mortgage release within 30 days after receiving it back from the Cumberland County Recorder of Deeds.

Specifically the lawsuit contends that Chase violated Section 551 which states that “within 30 days after receiving the recorded release of the mortgage from the registry of deeds, the mortgagee shall send the release by first class mail to the mortgagor’s address as listed in the mortgage agreement or to an address specified in writing by the mortgagor for this purpose.”

The law also states that if a lien release is not sent by first class mail to the mortgagor’s address within 30 days after receiving the recorded release, the a mortgagee can be held liable for damages of $500, court costs and attorney’s fees in any successful action.

Chase denies all allegations of liability, wrongdoing, and damages but agreed to settle the case on a class-wide basis to avoid continued litigation.

Complete details about the case and settlement are provided on the JPMorgan Chase Maine Lien Release Settlement website.

Class members who wish to object to or exclude themselves from the JPMorgan Chase Maine Lien Release Settlement must do so by February 21, 2018. Class members who wish to participate in the settlement must submit their claim form on or before February 21, 2018.


Important Dates

  • 2/21/18: Claim Form Deadline
  • 2/21/18: Objection or Exclusion Deadline
  • 3/23/18: Final Hearing at 9:00 am ET* (class members do not need to attend this hearing in order to receive a slice of the settlement pie).

*Settlement Class Members who wish to speak at the hearing should check www.MaineLienReleaseSettlement.com to confirm that the date or time of the Hearing has not been changed.


Contact Information

  • Mail: Sabina v. Chase Bank N.A. Settlement, c/o KCC Settlement Administrator, P.O. Box 404041, Louisville, KY 40233-4041
  • Phone: 1-866-652-8234
  • Email: info@MaineReleaseSettlement.com

Class Counsel


Settlement Website