Nampeera v. CMG Mortgage CA1/4

CourtCalifornia Court of Appeal
DecidedJune 1, 2026
DocketA170936
StatusUnpublished

This text of Nampeera v. CMG Mortgage CA1/4 (Nampeera v. CMG Mortgage CA1/4) is published on Counsel Stack Legal Research, covering California Court of Appeal primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Nampeera v. CMG Mortgage CA1/4, (Cal. Ct. App. 2026).

Opinion

Filed 6/1/26 Nampeera v. CMG Mortgage CA1/4 NOT TO BE PUBLISHED IN OFFICIAL REPORTS California Rules of Court, rule 8.1115(a), prohibits courts and parties from citing or relying on opinions not certified for publication or ordered published, except as specified by rule 8.1115(b). This opinion has not been certified for publication or ordered published for purposes of rule 8.1115.

IN THE COURT OF APPEAL OF THE STATE OF CALIFORNIA

FIRST APPELLATE DISTRICT

DIVISION FOUR

JACQUELINE NAMPEERA et al., Plaintiffs and Respondents, A170936 v. CMG MORTGAGE, INC., (Contra Costa County Super. Ct. No. C23-02918) Defendant and Appellant.

Defendant and appellant, CMG Mortgage, Inc. (CMG), appeals from an order denying its motion to compel arbitration of the wage-and-hour class action filed by its employees, plaintiffs and respondents, Jacqueline Nampeera and Donna Prevost. The trial court denied the petition, finding CMP did not meet its burden of proving the parties had an agreement to arbitrate the controversy. (Code Civ. Proc., § 1281.2).1 The court determined CMG did not present sufficient evidence to support a finding that the electronic signatures on its proffered April 2, 2021 arbitration agreement (the 2021 agreement) were “ ‘the act[s] of’ ” Nampeera and Prevost as required by Civil Code section 1633.9. We affirm.

1 All further statutory references are to the Code of Civil Procedure

unless otherwise indicated.

1 I. BACKGROUND In November 2023, plaintiffs filed a class action against CMG, alleging CMG failed to pay its hourly-paid and/or non-exempt employees overtime for hours worked and failed to provide meal and rest breaks. The complaint also alleges various labor code violations and unfair business practices, and seeks civil penalties pursuant to the Labor Code Private Attorneys General Act of 2004 (PAGA). (Lab. Code, § 2698 et seq.) In January 2024, CMG moved for an order compelling arbitration of plaintiffs’ claims in their individual and representative capacities based on the 2021 agreement. In support of its motion, CMG presented the agreements purportedly signed by Nampeera and Prevost in 2021. CMG also presented two declarations from its chief human resources officer, Melissa Harbourne.2 Harbourne stated that on April 1, 2021, she sent an email (April 1 email) to all CMG employees notifying them of an updated arbitration agreement and the timing to return the agreement. The subject line of the April 1 email referred to “Updated Employee Handbook and other HR Documents.” The email, which was addressed to “Team,” stated: “In the coming days, you will receive the updated Employee Handbook, Acknowledgments (Confidentiality, Harassment, Discrimination and Retaliation Prevention Acknowledgement), Arbitration Agreement, Safe Act Policy and the Injury and Illness Prevention Program via DocuSign. Please review and sign these documents no later than April 26, 2021.” (Orig. underlining omitted.)

2 Harbourne’s first declaration was submitted with the motion to

compel. Her second declaration was submitted with the reply. The reply declaration contained new facts for which the court permitted supplemental briefing.

2 Harbourne summarily asserted that plaintiffs signed their respective agreements “via DocuSign” on April 2, 2021. Harbourne explained that, because DocuSign generates a unique Envelope ID once the electronic signature has been completed, it is reasonable to conclude that Nampeera and Prevost electronically signed and returned the document with their respective Envelope IDs, and that Nampeera and Prevost electronically added their signatures to the agreements prior to DocuSign sending them back to CMG, as is the protocol for all electronically-executed agreements issued by CMG via DocuSign. Harbourne did not explain how CMG verified that the DocuSign documents were accessed and signed by the intended recipients. CMG made no showing of the efficacy of any security procedure applied to determine the person to which the electronic record or electronic signature was attributable. CMG’s evidence did not include the emails purportedly sent to the plaintiffs in follow up to the April 1 email. In opposition, plaintiffs each asserted they neither received nor signed the 2021 arbitration agreement. Both plaintiffs further averred that when they were hired, CMG’s “IT Department” created their work emails and they personally did not set up the passwords associated with the emails. Each attested: “to my knowledge the IT Department and my supervisors could access my work email account.” Specifically, Nampeera declared: “To the best of my recollection, the email I received did not mention an arbitration agreement . . .[¶] To the best of my knowledge, I did not electronically sign this document.” Nampeera further averred: “To the best of my knowledge, I did not electronically sign a CMG arbitration agreement in 2021 and I never authorized anyone at CMG to sign an arbitration agreement on my behalf.”

3 Similarly, Prevost averred: “To the best of my recollection, I did not electronically sign this document or authorize anyone to sign this document on my behalf . . . [¶] To the best of my knowledge, I never received or reviewed CMG’s 2021 arbitration agreement while I was working at CMG.” In her reply declaration, Harbourne attached agreements purportedly signed by Prevost on May 22, 2019 (2019 agreement) and by Nampeera on November 24, 2020 (2020 agreement). She also provided for corresponding DocuSign summaries for each agreement, as well as for the 2021 agreement, which included “Certificate[s] of Completion.” Harbourne declared that the Certificates of Completion confirmed that Nampeera and Prevost signed the 2021 agreement based on a comparison of their respective Envelope IDs and unique signature codes, which match the signatures on the 2021 agreement. Neither the 2019 nor the 2020 agreements are mentioned in the motion to compel arbitration. The motion sought to compel arbitration solely on the 2021 arbitration agreement. In its supplemental brief, CMG argued only that the 2019 and 2020 agreements were evidence that plaintiffs signed prior versions of CMG’s arbitration agreements, also via DocuSign, in the same manner as they signed their 2021 arbitration agreements. In a detailed, written order the court denied the petition. The court found CMG met its initial burden by providing a copy of the 2021 arbitration agreement with its motion. However, plaintiffs had, by a preponderance of the evidence, raised a question about the authenticity of the electronic signatures. First, while Harbourne averred that she sent the April 1st email to “all employees,” the email itself did not identify which employees were included on the email; nothing in the email itself indicated that the 2021 arbitration agreement was sent to either plaintiff. Second, “and more concerning,” CMG had not provided sufficient evidence to counter plaintiffs’

4 contention that other people had access to their email accounts; both plaintiffs averred that their emails and passwords were created by CMG and plaintiffs did not set up their own passwords. Accordingly, the court concluded the burden shifted back to CMG to show the signatures were authentic. Although CMG produced evidence that DocuSign creates a “ ‘unique Envelope ID’ ” after a signature is placed on the document, CMG did not provide any evidence that each plaintiff “ ‘was assigned a unique, private username and password such that the only person who could have accessed the . . . portal and signed the agreement.’ (Bannister v. Marinidence Opco, LLC (2021) 64 Cal.App.5th 541, 545.)” Thus, the court concluded CMG did not carry its burden to show, by a preponderance of the evidence, that plaintiffs’ signatures were authentic. This timely appeal followed. II.

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