belong and which they purport to represent." Montanez v. HSBC Mortgage Corp. (USA), 876 F. Supp. 2d 504, 512 (E.D. Pa. 2012) (citing Klein v. Gen. Nutrition Cos., 186 F.3d 338, 345 (3d Cir. 1999)) (finding a concrete and particularized injury where plaintiffs alleged they paid too much for force-placed insur