Carrea Christopher v. Santander Consumer USA Inc.

District Court, S.D. California·Decided November 21, 2025·No. 3:23-cv-01608·Unknown

Opinion

CARREA CHRISTOPHER, Case No.: 3:23-cv-01608-JAH-DEB

Plaintiff, ORDER DENYING PLAINTIFF’S v. MOTION FOR SANCTIONS

SANTANDER CONSUMER USA Inc., [ECF No. 31] Defendant. On October 3, 2025, Plaintiff Carrea Christopher (“Plaintiff”) filed a motion for sanctions and entry of default against Defendant Santander Consumer USA, Inc. (“Defendant”). ECF No. 31. On October 13, 2025, Defendant filed its response in opposition. ECF No. 32. Plaintiff has filed an application for sanctions and default judgment against Defendant because, according to Plaintiff, Defendant interjected a request for tax-related information after a confidential settlement had been reached. ECF No. 31 at 1. Plaintiff claims Defendant’s request seeks confidential information that amounts to bad faith and is an unmerited request that makes it impossible to enter arbitration with Defendant. Id. at 2. As a result, Plaintiff seeks sanctions and default judgment against the Defendant. Defendant responds by arguing that, while “Plaintiff and SC did reach an agreement on terms of a settlement,” which Plaintiff executed, Plaintiff has not met Defendant’s requirements for settlement. ECF No. 32 at 2. Defendant contends that to trigger completion of the settlement in its entirety, Plaintiff “agreed to provide a completed W-9 form” to the Defendant. Id. Now, Defendant contends that “Plaintiff has refused to provide a completed W-9 form to SC.” Id. Defendant argues that this last-stage dispute as to the full and final settlement of the case “may be resolved…by plaintiff providing a completed W-9 form to SC’s counsel.” Id. The district court retains inherent jurisdiction over accepting or denying settlement agreements in its pending cases when the parties seek dismissal of an action by court order. Kokkonen v. Guardian Life Ins. Co. of Am., 511 U.S. 375, 379-80 (1994). Because the deadline to commence arbitration set by this Court has not yet passed (see ECF No. 30 at 9), and because the case has not yet been transferred into arbitration, this Court retains jurisdiction and supervisory control over the matter. See Morris v. Morgan Stanley & Co., 942 F.2d 648, 653 (9th Cir. 1991). Prior to issuing an order to dismiss a case based on settlement, the district court “may, in the court’s discretion,” include the retention of federal court jurisdiction over the settlement agreement as a condition of dismissal. Id. at 381-82. Such authority derives from the federal court’s authority “to manage its proceedings, vindicate its authority, and effectuate its decrees” over the cases on its docket. Id. at 380. The receipt of a monetary award through settlement is presumed to be reportable income to the federal government, unless the recipient can prove otherwise. C.I.R. v. Schleier, 515 U.S. 323, 327-28 (1995) (interpreting federal tax law to require that “gross income means all income from whatever source derived” unless the taxpayer demonstrates that he meets an express exception provided in the tax code) (citation omitted). See also Milenbach v. C.I.R., 318 F.3d 924, 933 (9th Cir. 2003) (holding that “[t]he taxpayer bears the burden of establishing that proceeds of a settlement are what the taxpayer contends them to be.”). Settlement awards that derive from breaches of contract are ordinarily considered taxable gross income for the recipient of such award, whereas awards that derive from tort may be excluded from taxable income as “compensation for personal injuries or sickness.” Schleier, 515 U.S. at 328-29. The payment of a settlement award by a corporation may also be considered as an “ordinary and necessary” business expense for purposes of tax reporting under federal law. United States v. Hilton Hotels Corp., 397 U.S. 580, 582 (1970). See also Smith v. C.I.R., 300 F.3d 1023, 1029 (9th Cir. 2002). First, Plaintiff contends that Defendant’s request for his Internal Revenue Service Form W-9 (“Request for Taxpayer Identification Number and Certification”) constitutes sanctionable conduct. ECF No. 31 at 1-2. Plaintiff’s contention is without merit. Conduct by a party may be deemed sanctionable when it involves “abuse [of] the judicial process,” “a series of meritless motions and pleadings and delaying actions,” and conduct that is frivolous or harassing towards the opposing party. Chambers v. NASCO, Inc., 501 U.S. 32, 38 (1991). A corporation may seek tax information of an individual, related to the disbursement of a settlement award, in order to report that award as a business expense for purposes of the corporation’s federal tax assessment. See e.g. Smith, 300 F.3d at 1029. Defendant’s request for Plaintiff’s W-9 tax form is not frivolous or harassing, but instead clearly reasonable. Plaintiff is incorrect in his argument that Defendant has violated law, or engaged in “bad faith and unmerited requests” when the Defendant requires Plaintiff to provide his W-9 tax form as a condition of settlement. ECF No. 31 at 2. And where tax consequences of a settlement are triggered, a simple question about a party’s tax filings that implicates those tax consequences does not amount to any type of discrimination, sanctionable conduct, or violation of a party’s privacy or constitutional rights. As such, Defendant’s questions regarding Plaintiff’s taxes are deemed reasonable and not sanctionable. Second, Plaintiff has presented facts indicating that he has agreed to the terms of the settlement agreement and has executed the confidential agreement with the Defendant, but has now decided that he does not want to provide Defendant with his W-9 form because of the “confidential” nature of this information. ECF No. 31 at 1-2. Because the definition of income includes any “accesio[n] to wealth,” and because the burden rests on the taxpayer to demonstrate “whether the [settlement] awards qualify for special exclusion from gross income” under the federal tax code, Plaintiff must comply with all relevant federal laws and regulations in the determination and reporting of any settlement awards he may receive as a part of this case. United States v. Burke, 504 U.S. 229, 234 (1992) (explaining the narrow scope of the Internal Revenue Code’s exceptions to gross income that must be reported to the government). Because a settlement award in this matter may constitute an accession to wealth, it will be Plaintiff’s burden to prove during the filing of his tax return whether an exception exists to the reporting of taxable gross income from the settlement award he may receive.1 For the foregoing reasons, Plaintiff’s motion for sanctions against Defendant based on Defendant’s request of the W-9 tax form is DENIED. Third, based upon the pleadings submitted by Plaintiff and Defendant, see ECF Nos. 31 & 32, the parties have attempted to resolve this matter short of formal arbitration. Such an effort is an admirable one, and may create incentives toward more flexibility in settlement terms as there are generally costs associated with arbitration proceedings. To the extent the parties have pursued settlement prior to the deadline set by this Court to initiate arbitration and have jointly agreed to complete this alternative resolution, and to the extent that Plaintiff may be concerned about disclosing his confidential information to an opposing party, such as his Social Security number as required on the W-9 Form, the parties may consider an agreement of confidentiality and non-disclosure other than disclosure to the I.R.S. related to this i

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Carrea Christopher v. Santander Consumer USA Inc., (S.D. Cal. 2025).

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