Jackson v. Santander Consumer USA

Court of Appeals for the Tenth Circuit·Decided June 15, 2026·No. 24-3175·Unpublished

Opinion

FILED

United States Court of Appeals UNITED STATES COURT OF APPEALS Tenth Circuit

FOR THE TENTH CIRCUIT June 15, 2026

Christopher M. Wolpert

Clerk of Court

CHAPTER KRIS JACKSON,

Plaintiff - Appellant,

v. No. 24-3175 (D.C. No. 2:23-CV-02403-DDC-TJJ)

SANTANDER CONSUMER USA INC., a (D. Kan.) Texas for profit Corporation; CHRYSLER CAPITAL, a subsidiary of Santander Consumer USA, Inc.; T.E.N. INVESTMENTS INC., a Missouri for Profit Corporation; SOAVE AUTOMOTIVE GROUP, INC., a Missouri for Profit Corporation; ARISTOCRAT MOTORS – MERCEDES BENZ, a for profit business; MARION BATTAGLIA, an Individual and CEO and President of Aristocrat Motors; ROBERT HELLWEG, an Individual and Senior Vice President/Marketing Director of Aristocrat Motors; ANGELA LEWITZKE, an Individual and Controller/Secretary of Aristocrat Motors; STEPHANIE ANNE TURNER, a/k/a Sephanie Gador, an Individual and Finance Manager of Aristocrat Motors, Ten Investment, Soave employee; KAYCE JONES, an Individual and Title Specialist of Aristocrat Motors / Soave Automotive Group; DOES 1-50; JANE DOE; JOHN DOES,

Defendants - Appellees.

ORDER AND JUDGMENT *

After examining the briefs and appellate record, this panel has determined

*

unanimously that oral argument would not materially assist in the determination of

Before BACHARACH, KELLY, and EID, Circuit Judges.

Appellant Chapter Kris Jackson bought a used car. Sometime later, she discovered a host of alleged problems with her car’s title and loan documents. Ms. Jackson filed a lawsuit in state court, and then—just two days later—she filed another lawsuit in federal court. Her claims in both suits were premised on the same underlying car purchase.

The district court stayed the federal case pending resolution of the concurrent state-court case under the Colorado River doctrine. Ms. Jackson appeals pro se 1 from this stay order. We have jurisdiction under 28 U.S.C. § 1291, and we affirm.

BACKGROUND

The operative complaint alleges that Ms. Jackson visited Aristocrat Motors 2 in December 2018 to purchase a used Porsche Cayenne. Her experience with the dealership was reportedly less than stellar. Prior to the sale, Aristocrat Motors

this appeal. See Fed. R. App. P. 34(a)(2); 10th Cir. R. 34.1(G). The case is therefore ordered submitted without oral argument. This order and judgment is not binding precedent, except under the doctrines of law of the case, res judicata, and collateral estoppel. It may be cited, however, for its persuasive value consistent with Fed. R. App. P. 32.1 and 10th Cir. R. 32.1.

1 We construe a pro se litigant’s papers liberally. See Hall v. Bellmon, 935 F.2d 1106, 1110 (10th Cir. 1991). But we don’t “serv[e] as the litigant’s attorney in constructing arguments and searching the record.” Garrett v. Selby Connor Maddux & Janer, 425 F.3d 836, 840 (10th Cir. 2005).

2 Appellee T.E.N. Investments, Inc. operates as a car dealer under the trade name “Aristocrat Motors.” See Aplee. Br. at 3 & n.1.

falsified the car’s title and mileage documents. It then railroaded Ms. Jackson through the sale process—forging her signature on loan paperwork, failing to provide necessary written disclosures, and producing a different Porsche Cayenne than the one she had selected. Despite her misgivings, Ms. Jackson took possession of the car and began making payments on her auto loan. But in August 2021, after discovering the full extent of Aristocrat Motors’ alleged fraud, she stopped making payments. Debt collection efforts ensued, which negatively impacted Ms. Jackson’s credit.

In January 2022, Ms. Jackson filed a lawsuit regarding the botched car purchase in the District Court of Johnson County, Kansas. She filed a second lawsuit two days later—premised on the same dispute—in the U.S. District Court for the Western District of Missouri.

In March 2023, Appellees moved to dismiss or stay the federal case for lack of personal jurisdiction, failure to state a claim, Colorado River abstention, or improper venue (the “First Dismissal Motion”). Ms. Jackson filed a response opposing most of the grounds argued in the First Dismissal Motion, but not the improper venue argument. Instead, Ms. Jackson separately moved to transfer the case to the U.S. District Court for the District of Kansas. Noting the parties’ apparent agreement that venue was mislaid in Missouri, the district court granted both Ms. Jackson’s transfer motion and the venue-related portion of the First Dismissal Motion. The federal case was thus transferred to Kansas. At that time, the First Dismissal Motion remained pending as to its other, unreached arguments.

More than a year later—after a lengthy stay occasioned by involuntary bankruptcy proceedings against Ms. Jackson—the district court denied the First Dismissal Motion “without prejudice to refiling.” R. vol. 1 at 403. The court observed that Appellees’ “arguments about personal jurisdiction in Missouri [were] moot[ed]” by the case’s transfer to Kansas. Id. But as before, the other arguments in the First Dismissal Motion were left unreached.

In July 2024, Appellees renewed their motion to dismiss or stay the federal case, this time on the alternative grounds of improper claim-splitting and Colorado River abstention (the “Colorado River Motion”). 3 Ms. Jackson moved to strike the Colorado River Motion, casting it as an “impermissible attempt to relitigate the same issues” raised in the First Dismissal Motion. R. vol. 2 at 249. However, she did not file any substantive response to the Colorado River Motion, nor did she address the motion’s merits in other papers. See id. at 442 n.10.

On November 18, 2024, the district court granted the Colorado River Motion.

The court concluded that the state and federal actions involved “substantially the same parties litigat[ing] substantially the same issues in different forums” and, thus, were parallel cases. Id. at 425 (internal quotation marks omitted); see id. at 430. It

3 Under the Colorado River doctrine, a federal court may—in the interests of efficiency, economy, and “wise judicial administration”—stay or dismiss a case that is duplicative of a pending state court proceeding. Colorado River Water Conservation Dist. v. United States, 424 U.S. 800, 817 (1976) (brackets omitted); see id. at 817–19.

further concluded that the balance of relevant factors 4 favored deference to the state proceedings. Id. at 440. The federal case was thus stayed and administratively closed pending the outcome of the state-court case.

This appeal timely followed.

DISCUSSION

I. Appellate Jurisdiction We address the substance of the appeal below. But before we do, we first identify which matters are properly before us on appeal—and which ones are not.

4 The Colorado River doctrine involves analysis of eight nonexclusive factors to decide whether “exceptional circumstances” warrant a federal court’s deference to parallel state proceedings:

1. the possibility that one of the two courts has exercised jurisdiction over property 2. the inconvenience from litigating in the federal forum 3. the avoidance of piecemeal litigation 4. the sequence in which the courts obtained jurisdiction 5. the vexatious or reactive nature of either case 6. the applicability of federal law 7. the potential for the state-court action to provide an effective remedy for the federal plaintiff 8. the possibility of forum shopping.

Wakaya Perfection, LLC v. Youngevity Int’l, Inc., 910 F.3d 1118, 1121–22 (10th Cir. 2018) (internal quotation marks omitted).

In the opening brief, Ms. Jackson asserts between eight and twenty-five separate claims of error. 5 Many (if not most) of them are directed to the merits of filings that the district court had not yet disposed of, and were thus left pending, when the Colorado River stay entered. These include:

• The motion to strike the Colorado River Motion;

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