Settlement Claims and Information

E-books Publisher's Settlement Refunds

E-book purchasers began receiving refunds on March 25, 2014 as a result of a partial settlement of the Attorney General's E-book price-fixing lawsuit against Apple, Inc. and five of the six largest E-book publishers in the country. The E-book publishers settled the claims against them for a total nationwide payment of $166 million—approximately $817,000.00 of the settlement will be distributed to Idaho residents.

Refunds will be distributed to approximately 23 million E-book purchasers nationwide, unless purchasers are otherwise notified. The refund process will take approximately 3 days. The number of eligible E-books purchased on an account during the claims period (April 1, 2010 to May 21, 2012) determines the refund amount. Whether an E-book purchaser receives a credit or check depends on the retailer through which the E-book was purchased.

  • Amazon, Barnes & Noble, Kobo, and Apple E-book purchasers will receive a credit. Email notice from the retailer or the Settlement Administrator advising how to use or activate credits in their current accounts have already been sent out.
  • Sony E-book purchasers will receive a check from the Settlement Administrator.
  • Google E-book purchasers who timely filed a claim will receive a check from the Settlement Administrator.
  • E-Book purchasers of any retailer not listed above who timely filed a claim will receive a check from the Settlement Administrator.
  • Purchasers who timely requested checks will receive a check from the Settlement Administrator.

If you cannot locate your email notice from a retailer or the Settlement Administrator to confirm they are to receive a credit or check, please check your junk mail or spam folders.  If you still cannot locate the notification, you may not be eligible or may have some other issue preventing receipt of funds. Questions regarding payment or credits should be directed to the Settlement Administrator by email at info@EBooksAGSettlements.com or by phone at (866) 621-4153. The settlement website is located at www.ebookagsettlements.com.

For additional information regarding the E-book settlements, please see the Attorney General's press release of March 25, 2014.

 

NCO Financial

Debt collector NCO Financial Systems, Inc. (NCOF) has agreed to pay restitution and change certain collections practices as part of a settlement agreement filed with the district court on February 6, 2012. Please read our press release for additional information about the settlement.

Please review the following FAQs if you want to apply for restitution:

How much restitution is available to Idaho consumers?

NCOF has set aside $50,000 in restitution for Idaho consumers.

Who is eligible to receive restitution?

If you fall into one or more of the following three categories, you likely are eligible to receive restitution:

  • You paid NCOF for a debt that you did not owe;
  • You overpaid interest on a debt that was not supported by the underlying agreement between you and the original debt holder or that was otherwise permitted by law; or
  • You paid more on a debt than the amount NCOF agreed to settle the account. 

What is the deadline to apply for restitution?

The $50,000 restitution fund is available until February 6, 2015. If the funds are not depleted before February 6, 2015 all remaining funds revert to NCOF.

How do I apply for restitution?

If you believe you have a valid restitution claim and you want to participate in the settlement, you must file a completed complaint form with the Attorney General’s Office. The complaint form must provide a detailed description of the consumer’s claim and, if available, include documentation that supports the claim.

Download complaint form and instructions.

How much restitution can I get?

You are entitled to receive restitution in the amount you paid to NCOF.  You cannot recover restitution for other damages, accrued interest, punitive damages, emotional distress, lost wages, attorney’s fees, or costs.

What happens after I file my complaint?

The Attorney General will review your complaint form to verify your eligibility. Assuming you are eligible, we will forward your complaint form and supporting documents to NCOF. You will receive a copy of our cover letter to NCOF so you know when your complaint was sent to NCOF.

When will I receive my money?

It takes time for the Attorney General to process, review, and mail your complaint form to NCOF. Likewise, it takes NCOF time to process and review your complaint, prepare your check, and mail it to you.

Please be patient.  If you have not received your check within 90 days of the date you sent your complaint to our office, call the Consumer Protection Division at 208-334-2424.

 

Ocwen Financial Corporation & Ocwen Loan Servicing, LLC

Attorney General Lawrence G. Wasden, along with 49 other attorneys generals and the Consumer Financial Protection Bureau, entered into a $2.1 billion settlement agreement with Ocwen Financial Corporation and its subsidiary Ocwen Loan Servicing, LLC. The agreement addresses alleged servicing misconduct by Ocwen and two companies later acquired by Ocwen, Homeward Residential, Inc., and Litton Home Servicing LP.

Settlement Terms

In addition to changing how Ocwen services its mortgage loans, the agreement requires Ocwen to provide Idaho homeowners with an estimated $3.7 million in first lien principal reductions. Also, up to 922 Idaho borrowers who lost their homes to foreclosure are eligible to receive a cash payment from a foreclosure fund established by Ocwen. The payment amount is contingent on the number of borrowers who submit valid claims to the appointed claims administrator, but is expected to exceed $1,000 per borrower.

Principal Reductions

Ocwen will contact Idaho homeowners whose loans are eligible for principal reductions. The Attorney General's Office does not have a list of eligible homeowners.

Foreclosure Fund

A settlement administrator will contact borrowers who are eligible to receive cash payments from the foreclosure fund. The Attorney General's Office does not have a list of eligible borrowers. An administrator has not been selected, but will be within 30 days of the court's approval of the settlement agreement. The claims and distribution process is lengthy, so borrowers are asked to remain patient.

More Information

To read the settlement agreement or to obtain information about the agreement's loan servicing requirements or its monitoring, reporting, or enforcement provisions, please visit www.cfpb.gov. Ocwen has established a toll-free number and email address for borrowers with questions. The number is 1-800-337-6695, and the email address is ConsumerRelief@Ocwen.com.

Please read the Ocwen FAQs for additional information. You may also read our news release.

 

SunTrust Mortgage, Inc.

Attorney General Lawrence G. Wasden, along with 49 other attorneys generals, the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, and the Consumer Financial Protection Bureau, entered into a $550 million settlement agreement with SunTrust Mortgage, Inc. The agreement is designed to address allegations of origination, servicing, and foreclosure misconduct by SunTrust Mortgage since 2008.

Settlement Terms

In addition to changing how SunTrust Mortgage services its mortgage loans, the agreement requires SunTrust Mortgage to provide Idaho homeowners with an estimated $479,448 in loan modifications, refinances, and principal reductions. Also, up to 220 Idaho borrowers who lost their homes to foreclosure are eligible to receive a cash payment from a foreclosure fund established by SunTrust Mortgage. The payment amount is contingent on the number of borrowers who submit valid claims to the appointed claims administrator, but is expected to exceed $1,000 per borrower.

Loan Modification, Refinancing, & Principal Reduction

SunTrust Mortgage will contact Idaho homeowners whose loans are eligible for modification, refinancing, or principal reductions. The Attorney General's Office does not have a list of eligible homeowners.

Foreclosure Fund

A settlement administrator will contact borrowers who are eligible to receive cash payments from the foreclosure fund. The Attorney General's Office does not have a list of eligible borrowers. An administrator has not been selected, but will be within 30 days of the court's approval of the settlement agreement. The claims and distribution process is lengthy, so borrowers are asked to remain patient.

More Information

To read the settlement agreement or to obtain information about the agreement's loan servicing requirements or its monitoring, reporting, or enforcement provisions, please visit www.cfpb.gov. Read the Attorney General's news release here.

Borrowers who have questions about their loans should contact SunTrust Mortgage at 1-800-634-7928. Borrowers also may contact SunTrust Mortgage by email through the company's "Support" webpage at www.SunTrustMortgage.com

 

Vision Security, LLC

Utah-based security system seller Vision Security, LLC, has agreed to pay restitution to eligible consumers as part of a settlement agreement filed with the district court on July 10, 2014.

The following FAQs are provided to help consumers determine if they may be eligible to receive restitution:

Who is eligible to receive restitution?

You may be eligible to receive restitution if you:

    1. are an Idaho consumer, and
    2. entered into a Residential Alarm System Monitoring Agreement with Vision Security between January 1, 2012, and June 1, 2014, and
    3. were in good standing with your former alarm company before you entered into a Residential Alarm System Monitoring Agreement with Vision Security, and
    4. had more than one year remaining on your contract with your former alarm company before you entered into a Residential Alarm System Monitoring Agreement with Vision Security, and
    5. paid an outstanding balance or an early termination fee to former current alarm company or to a third party collection agency to terminate your contract with your former alarm company, and
    6. fulfilled or are fulfilling your Residential Alarm System Monitoring Agreement with Vision Security.

 How do I apply for restitution?

If you believe you are eligible to receive restitution from Vision Security, you must file a completed complaint form with the Attorney General's Office. Please provide the following information in your complaint form:

    1. Your contact information; and
    2. The name of your former alarm company (or the third party collecting on behalf of the company) that you paid after you entered into the Residential Alarm System Monitoring Agreement with Vision Security; and
    3. The amount of money you paid to your former alarm company (or to the third party collecting on behalf of the company) after you entered into the Residential Alarm System Monitoring Agreement with Vision Security.

Please attach the following documentation:

    1. Evidence of your contract with your former alarm company; and
    2. Evidence of your payment to your former alarm company (or to the third party collecting on behalf of the company); and
    3. Evidence of your former alarm company's cancellation of your contract

If we do not receive the above information and documents, we cannot determine if you eligible to receive restitution.

What is the deadline to apply for restitution?

The Attorney General's Consumer Protection Division must receive your completed complaint form and all documents before September 8, 2014.

How much restitution can I get?

You may receive restitution in the amount you paid to your former alarm company or to the third party collection agency. You cannot recover restitution for other damages, accrued interest, punitive damages, emotional distress, lost wages, attorney's fees, or costs.

What happens after I file my complaint?

After September 8, 2014, the Attorney General will forward all eligible complaint forms to Vision Security for its review. Vision Security may dispute in writing any complaints it believes do not meet the eligibility requirements. If it disputes your complaint, we will notify you and request additional documents from you.

When will I receive my money?

Vision Security has 30 business days to pay an eligible restitution claim. If it disputes a complaint and the Attorney General has to submit additional information to the company, the payment process will take longer. Please be patient.

For additional information regarding the Vision Security settlement, please see the Attorney General's press release of July 18, 2014.

 

(Last updated 7/18/2014)

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