Finance and Insurance

Plaintiff Vincent J. Morris is the owner of a house subject to a mortgage serviced by PHH Mortgage Corporation d/b/a PHH Mortgage Services (“PHH”). PHH has a uniform practice of knowingly charging illegal and improper “processing fees” when payments on the mortgage are made over the phone or online, although neither the mortgage nor Florida law expressly authorizes those fees. PHH has charged these “processing fees” to Plaintiff, who has paid them, along with many other Floridians. Accordingly, Plaintiff seeks relief for himself and all others similarly situated for violations of the Florida Consumer Collection Practices Act (“FCCPA”), Fla. Stat. §§ 559.55 et seq., for breach of contract, and for unjust enrichment. This case seeks to certify a class of hundreds, if not thousands, of Floridians victimized by PHH’s unlawful billing practices. If certified, this case can establish a powerful precedent for holding other mortgage servicers accountable for charging excessive and unlawful fees.

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