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In People v. JTH Tax, Inc., --- Cal.Rptr.3d ----, 2013 WL 177140 (Cal.App. 1 Dist.), the Court of Appeal for the First District disagreed with a seemingly well-settled, decades-old rule that the doctrine of vicarious liability did not apply to California’s Unfair Competition Law.  The facts were as follows: Defendant JTH Tax, Inc., doing business as Liberty Tax Service (Liberty),… Read More

In Rojas v. Platinum Auto Group, Inc. --- Cal.Rptr.3d ----, 2013 WL 156561 (Cal.App. 2 Dist. 2013), the California Court of Appeal required strict compliance under Rees-Levering, finding that a dealer’s error of improperly listing a $2,000 ‘down-payment’ on the downpayment line (line 6G) of the standard auto RISC as opposed to the ‘deferred downpayment’ line (line 6D) rendered the… Read More

In Kaiser v. BMW of North America, LLC, 2013 WL 100218 (N.D.Cal. 2013), a consumer complained that a vehicle manufacturer improperly sought to offset its lemon law liability by charging the consumer for unreasonable wear and tear on the vehicle.  Judge Ryu allowed the claim to proceed past the pleading stage.   The basic facts were as follows: Shortly thereafter, Kaiser received… Read More

In Mortimer v. Bank of America, N.A., 2013 WL 57856 (N.D.Cal. 2013), Judge Spero rejected a FCRA plaintiff's complaints about a creditor's reporting of his account through and after bankruptcy, but allowed leave to amend as to Plaintiff's CCRAA and UCL claims. Several courts, including two in this district involving closely analogous factual situations, have held that reports, after discharge, of delinquencies… Read More

In Gutierrez v. Wells Fargo Bank, NA --- F.3d ----, 2012 WL 6684748 (9th Cir. 2012), the Court of Appeals for the Ninth Circuit rejected a post-trial petition to enforce arbitration, and found partial pre-emption of the UCL to the extent it conflicted with the business of banking in how a bank applies and computes overdraft fees.  The Court of Appeals… Read More

In Mortimer v. Bank of America, N.A.  2012 WL 6218004 (N.D.Cal. 2012), Judge Spero addressed the interplay between bankrupt debt and credit reporting, finding that Plaintiff stated no FCRA or CCRAA claim.  The facts were as follows: Plaintiff Mark Mortimer (“Plaintiff”) brings this action against Defendant Bank of America, N.A., (“Defendant”) FN1 seeking redress for Defendant's alleged inaccurate reporting of his… Read More

In Grantham v. Bank of America, N.A., 2012 WL 5904729 (N.D.Cal. 2012), Judge James held that a Plaintiff stated a claim against a Bank for post-bankruptcy discharge credit reporting. In February 2011, Grantham sent a dispute letter to Experian requesting an investigation of the 1051 Account, disputing the alleged delinquencies reported in her credit report while her bankruptcy petition was… Read More

Sorry good readers; I couldn't resist this case. Does the UCL or CLRA protect virtual characters in a virtual world existing only on-line against virtually fraudulent transactions?  Magistrate Judge Ryu in San Francisco said, for the most part, no.  (Evans v. Linden Research, Inc. 2012 WL 5877579 (N.D.Cal. 2012)). This putative class action involves the internet role-playing virtual world entitled Second… Read More

In  Davis v. HSBC Bank Nevada, N.A., --- F.3d ----, 2012 WL 3804370 (9th Cir. 2012), the Court of Appeals for the Ninth Circuit held that a credit card company’s on-line TILA disclosures identifying that an annual fee would be required provided a safe-harbor against a false advertising claim based on a claim that a retailer’s advertisements failed to disclose… Read More

In Mortimer v. JP Morgan Chase Bank, Nat. Ass'n, 2012 WL 3155563 (N.D.Cal. 2012), Judge Wilken addressed the impact of a now commonly-pleaded claim that a creditor continued to report late payments that were not made during a bankruptcy.  Judge Wilkens found that Plaintiffs failed to plead an inaccuracy – meaning that they actually made the payments during the bankruptcy… Read More

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