Aseltine v BANA Class Settlement: BOA에서 143.62 모르는돈이 크레딧으로 들어왔어요.
혹시 똑같이 받으신분계시는지요?

chat gpt찾아보니 아래와같은데 한국서 송금을 계속 받았는데 그래서 받은걸까요? 모두감사드려요.
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방금전화했는데 아래내용이 맞다고하네요 안심하고 써도 된다고…그리고 그리고 저기간내의돈이라서 이후는 수수로 15불 계속 청구 된다고하구요. 저도 15불 이번달 청구됬는데 2023년까진가봐요.
모두 좋은하루 되세요.
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Aseltine v. BANA Class Settlement”은 Bank of America (BANA) 를 상대로 제기된 집단 소송 사건입니다.

사건 개요
내용: Bank of America가 고객의 입금 전신 송금(incoming wire transfer) 에 대해 부당하게 $15의 수수료를 부과했다는 혐의로 소송이 제기됨.
소송 원고: Aseltine (소송을 제기한 대표 고객)
피고: Bank of America, N.A. (BANA)
소송 이유: 은행이 고객 계좌 약관을 위반했으며, 해당 수수료에 대한 충분한 설명이 없었다는 주장
합의 내용 (Settlement)
BANA가 $21 million (약 2,100만 달러) 지급하기로 합의
대상: 2019년 3월 8일 ~ 2023년 8월 31일 사이에 Bank of America의 소비자용 체크 또는 저축 계좌를 보유하고 있었고, 입금 전신 송금 수수료를 부과받은 고객
보상 방법:
현재 BANA 계좌가 있는 고객 → 계좌로 직접 환급
현재 BANA 계좌가 없는 고객 → 우편으로 체크 지급
별도의 신청 없이 자동 지급됨
중요한 일정
합의에서 제외되거나 이의를 제기할 마감일: 2024년 9월 21일
최종 승인 심리: 2024년 10월 21일
간단히 말하면, Bank of America가 고객들에게 잘못된 수수료를 부과했고, 이를 해결하기 위해 보상을 지급하는 소송 합의입니다. 만약 해당 기간 동안 BANA 계좌를 사용했다면 자동으로 보상을 받을 가능성이 있습니다

내용은 모르지만 챗지피티로 찾으신 정보를 올리셔서 deepseek으로 찾았더니 이렇게 나오는데, 챗 지피티가 월등히 우세하다고 봐야하는 거죠?

The **Aseltine v. Bank of America, N.A. (BANA)** class action settlement is a legal case involving allegations against Bank of America regarding its practices related to mortgage loans. Below is a general overview of the case and settlement:

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### Background of the Case:
– **Plaintiffs**: Homeowners who had mortgages serviced by Bank of America, N.A. (BANA).
– **Allegations**: The plaintiffs alleged that Bank of America improperly charged fees for property inspections and other default-related services during the mortgage servicing process. They claimed these fees were unnecessary, excessive, or improperly applied, violating the terms of their mortgage agreements and applicable laws.

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### Key Details of the Settlement:
1. **Settlement Agreement**:
– Bank of America agreed to settle the class action lawsuit to resolve the claims without admitting wrongdoing.
– The settlement provided compensation to eligible class members who were charged certain fees during the specified period.

2. **Class Members**:
– The settlement class typically included individuals who had mortgages serviced by Bank of America and were charged property inspection fees or other default-related fees during a specific time frame (e.g., between certain years).

3. **Compensation**:
– Eligible class members received payments or fee adjustments as part of the settlement.
– The exact amount of compensation depended on the fees charged and the individual circumstances of each class member.

4. **Court Approval**:
– The settlement required approval by a court to ensure it was fair, reasonable, and adequate for the class members.

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### How to Participate or Learn More:
– If you believe you are part of the settlement class, you may have received a notice in the mail or email with instructions on how to participate or file a claim.
– For more details, you can visit the official settlement website or contact the settlement administrator. Court documents and case updates are also typically available through the court’s public records.

보상내용을 자세히 말해달라고 했더니 이렇게 답이 다시 올라왔는데, 아직도 챗지피티를 못따라가 가는 것 같습니다.

Certainly! While I don’t have access to the exact details of the **Aseltine v. Bank of America, N.A. (BANA)** settlement, I can provide a general explanation of how compensation typically works in class action settlements of this nature. If you’re looking for specific details about this case, I recommend checking the official settlement website or court documents for precise information.

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### General Structure of Compensation in Mortgage Fee Class Action Settlements:
1. **Eligibility for Compensation**:
– Compensation is typically available to individuals who fall within the defined class, such as homeowners who were charged certain fees (e.g., property inspection fees, default-related fees) by Bank of America during a specified time period.
– Class members are usually identified through Bank of America’s records, but some settlements may require individuals to file a claim if they believe they are eligible.

2. **Types of Compensation**:
– **Cash Payments**: Class members may receive a cash payment based on the fees they were charged. The amount could be a flat rate or a percentage of the fees paid.
– **Fee Adjustments or Refunds**: In some cases, the settlement may require the bank to adjust or refund improperly charged fees directly to the affected accounts.
– **Debt Forgiveness or Credits**: In rare cases, settlements may include debt forgiveness or credits toward future mortgage payments.

3. **Calculation of Compensation**:
– Compensation is often calculated based on the number and type of fees charged to each class member.
– For example, if a class member was charged multiple property inspection fees, they might receive a set amount per fee or a percentage of the total fees paid.

4. **Distribution Process**:
– Once the settlement is approved, payments are typically distributed automatically to eligible class members who do not need to file a claim (if their information is on file with the bank).
– If a claim form is required, class members must submit it by a specified deadline to receive compensation.

5. **Settlement Fund**:
– The total amount of the settlement fund is determined during negotiations. This fund covers payments to class members, administrative costs, and sometimes attorneys’ fees.
– The amount each class member receives depends on the total number of valid claims and the terms of the settlement.

—

### Example of Compensation in Similar Cases:
In other mortgage-related class action settlements, compensation has included:
– **Flat Payments**: For example, $50 to $500 per class member, depending on the type and number of fees charged.
– **Proportional Payments**: For example, a percentage (e.g., 25% to 50%) of the total fees paid by the class member.
– **Fee Waivers**: Waiving future fees for a certain period.

—

### How to Find Specific Details:
To get precise information about the compensation in the **Aseltine v. BANA** settlement:
1. Visit the **official settlement website** (if one exists for this case).
2. Review the **class notice** you may have received in the mail or email.
3. Check the **court documents** for the settlement agreement, which will outline the compensation terms.

저도 한국에서 송금 저 기간에 몇 번 받았는데 저는 저돈 안들어왔어요 ㅠ