求助！收到了BOA 的Legal Notice of Class Action Settlement

倒序浏览 · 发表于 2018-3-7 20:35:49

Bank of American发来的Legal Notice of Class Action Settlement，我看不懂这是什么，能帮忙解释一下吗？感觉要糟糕了的样子，完全不知道发生了什么事，我也没做什么违法的事情

IF YOU INCURRED ONE OR MORE $35 EXTENDED OVERDRAWN BALANCE CHARGES IN CONNECTION WITH YOUR BANK OF AMERICA PERSONAL CHECKING ACCOUNT, YOU MAY BE ENTITLED TO BENEFITS FROM A PROPOSED CLASS ACTION SETTLEMENT.

This is a Court-authorized notice of a proposed class action Settlement. This is not a solicitation from an attorney, and you are not being sued.

PLEASE READ THIS NOTICE CAREFULLY, AS IT EXPLAINS YOUR RIGHTS AND OPTIONS AND THE DEADLINES TO EXERCISE THEM.

For more information, including a more detailed description of your rights and options, please visit http://www.EOBCSettlement.com.

      A Settlement has been reached in a class action lawsuit alleging that extended overdrawn balance charges (“EOBCs”) assessed by Bank of America, N.A. (“BANA”) violated the National Bank Act’s usury limit. BANA denies the allegations in the case and denies liability. The Court has not decided which side is right.

      Who Is Included? BANA’s records show you are a member of the Settlement Class. The Settlement Class includes all holders of BANA consumer checking accounts who, between February 25, 2014, and December 30, 2017, were assessed at least one EOBC that was not refunded.

      What Are The Settlement Terms? BANA has agreed to cease the assessment of EOBCs for 5 years, subject to certain limitations set forth in the Settlement agreement, and to pay a Settlement Amount of $66.6 million, which includes: $37.5 million in cash and debt reduction payments of $29.1 million. Once the Court approves the Settlement, you will automatically receive a cash payment, account credit, and/or debt reduction based upon EOBCs paid by or assessed to you.

      What Are My Options? If you do not want to be bound by the Settlement, you must exclude yourself by April 20, 2018. If you do not exclude yourself, you will release your claims against BANA. You may object to the Settlement by April 20, 2018. The Long Form Notice, available at the Settlement website listed below, explains how to exclude yourself or object. You may also request a paper copy of the Long Form Notice be mailed to you by contacting the Settlement Administrator at the website or phone number below. The Court will hold a hearing on June 18, 2018, to consider whether to approve the Settlement and a request for attorneys’ fees of up to 25% of the Settlement Value and service awards of up to $5,000 for each Class Representative. Details regarding the hearing are in the Long Form Notice, available at the website below. You may appear and speak at the hearing, but you are not required to do so. You may hire your own attorney, at your own expense, to appear or speak for you at the hearing.