Mansaray et al. v. TD Bank, N.A.

UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF PENNSYLVANIA

If you disputed with a Consumer Reporting Agency a credit report showing you paid late on your TD home mortgage loan between October 1, 2020 and July 31, 2021, you may be entitled to benefits from a proposed class action settlement.

A federal court authorized this notice. This is not a solicitation from a lawyer.

A settlement has been reached in a class action lawsuit pending in the United States District Court for the Eastern District of Pennsylvania titled Mansaray et al. v. TD Bank, N.A., Case No. 2:22-CV-05039-AB (E.D. Pa) (the “Action”). In the Action, an individual asserts violations of the Fair Credit Reporting Act (“FCRA”) arising from TD Bank, N.A.’s (“TD Bank”) investigation of her complaints concerning allegedly inaccurate reporting of late payments to the Consumer Reporting Agencies, which allegedly arose from issues related to TD Bank’s vendor for printing and mailing of mortgage statements. TD Bank disputes that contention and denies that it engaged in any wrongdoing. The Court has not decided which side is right. The Court has preliminarily approved the proposed settlement agreement to which the parties have agreed (the “Settlement”).

All individuals with a residential mortgage loan with TD Bank, in the calendar years 2020 or 2021,

(a) to whom, at any time from October 2020 through June 2021, TD Bank mailed a mortgage statement fewer than seven (7) calendar days prior to the due date of their residential mortgage loan payment;

(b) who, at any time from October 2020 through July 2021, TD Bank furnished to one or more Consumer Reporting Agencies as having made a late mortgage loan payment; and

(c) who submitted a dispute to a Consumer Reporting Agency regarding a mortgage loan payment on their TD Bank residential mortgage loan having been incorrectly furnished as late, which dispute the Consumer Reporting Agency sent to TD Bank,

may be entitled to a payment under this Settlement.

Read the notice carefully. The notice advises you of the benefits that may be available to you under the proposed Settlement and your rights and options as a Settlement Class Member.

Summary Of Your Legal Rights And Options In This Settlement
Do Nothing and Receive A Check	If you are entitled under the Settlement to a check, you do not have to do anything to receive it. If the Court approves the Settlement and it becomes final and effective, and you remain in the Settlement Class, a check will be mailed to the address you maintain(ed) with TD Bank and you will give up your right to bring your own lawsuit against TD Bank about claims related to TD Bank’s investigation of your dispute to a Consumer Reporting Agency about a late payment on your TD Bank residential mortgage loan, related to mortgage statements you may have received from October 2020 through June 2021. Please click here to confirm your mailing address for delivery of your check.
Exclude Yourself From the Settlement	Receive no benefits from the Settlement. This is the only option that allows you to retain your right to bring another lawsuit against TD Bank about the claims described above.
Object	Write to the Court if you wish to object to the Settlement.
Go To A Hearing	Ask to speak in Court about the fairness of the Settlement or the attorneys’ fees sought by counsel for the Class. You may speak at a hearing if you submit an objection that complies with the requirements in Question 16 and a letter saying that you intend to appear and wish to be heard that complies with the requirements in Question 20.