Patterson v. Nuvision Credit Union CA4/2

California Court of Appeal·Decided July 2, 2026·No. E085327·Unpublished

Opinion

Filed 7/2/26 Patterson v. Nuvision Credit Union CA4/2 NOT TO BE PUBLISHED IN OFFICIAL REPORTS California Rules of Court, rule 8.1115(a), prohibits courts and parties from citing or relying on opinions not certified for publication or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 This opinion has not been certified for publication or ordered published for purposes of rule 8.1115.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 FOURTH APPELLATE DISTRICT DIVISION TWO

TRINA R. PATTERSON, Plaintiff and Appellant, E085327 v. (Super.Ct.No. CVCO2403623)

NUVISION CREDIT UNION, OPINION Defendant and Respondent.

APPEAL from the Superior Court of Riverside County. Daniel A. Ottolia, Judge.

Appeal dismissed.

Trina R. Patterson, in pro. per., for Plaintiff and Appellant.

Anaya Law Group, Anaya B. Anaya; Kaufman Dolowich, Mark K. Worthge, Edward C. Hsu, and Elizabeth M. Sanguinetti for Defendant and Respondent.

Trina Patterson, representing herself, appealed after the demurrer filed by Nuvision Federal Credit Union (Nuvision) was sustained without leave to amend. We issued a tentative opinion indicating we were inclined to affirm the trial court’s ruling. In

that tentative opinion, we noted that Patterson’s opening brief contained citations to cases that do not exist, citations to cases that do not stand for the proposition cited, and quotations that do not appear in the authorities cited. We noted that all of those citations bear the hallmarks of fabricated legal authority created by generative artificial intelligence (AI), commonly referred to as AI hallucinations. (Schlichter v. Kennedy (2025) 116 Cal.App.5th 24, 26 (Schlichter); Noland v. Land of the Free, L.P. (2025) 114 Cal.App.5th 426, 445 (Noland).) We cautioned that attorneys have been sanctioned for filing briefs containing AI hallucinated citations and that the same outcome was possible for pro se litigants. Patterson requested oral argument.

We subsequently issued an order to show cause why Patterson should not be sanctioned for “‘relying on fabricated legal authority’” in the opening brief. (Schlichter, supra, 116 Cal.App.5th at p. 26.) After we issued the order to show cause, Patterson filed a request to dismiss the appeal, and we deferred ruling on the request.

At oral argument on the appeal, Patterson and counsel for Nuvision informed this court that the parties had settled the underlying action in its entirety and that the request for dismissal was based on the parties’ settlement. We exercise our discretion to dismiss the appeal on the basis of the parties’ settlement. (Cal. Rules of Court, rule 8.244(c)(2); unlabeled rule references are to these rules.)

We nevertheless issue this opinion for the purpose of providing context for the ruling on the order to show cause. We conclude that Patterson has failed to show cause why sanctions should not be imposed.

BACKGROUND

In June 2024, Patterson filed a pro se “verified petition for replevin, entry of default administrative judgment, damages, and injunctive relief” against Nuvision. (Capitalization omitted.) The pleading was accompanied by 58 pages of exhibits.

Because this appeal follows the sustaining of a demurrer without leave to amend, we assume the truth of the material allegations in the operative pleading. (Roe v. Hesperia Unified School Dist. (2022) 85 Cal.App.5th 13, 18.)

According to the petition and attachments, in August 2023 Patterson purchased a Chevrolet truck from Carson Chevrolet for $91,320.96. Patterson financed the entire purchase and entered a 71-month retail installment sales contract (sales contract) with Carson Chevrolet, in which Patterson agreed to make monthly payments of $1665.40. Carson Chevrolet assigned its interest in the contract to Nuvision. The sales contract provided that if Patterson defaulted, then the lender could repossess the vehicle.

In the sales contract, Patterson agreed: “This contract contains the entire agreement between you and us relating to this contract. Any change to the contract must be in writing and both you and we must sign it.”

In January 2024, Nuvision sent Patterson a notice stating that a payment of $1,865.39 due in December 2023 was not received and was past due. The same month, Patterson sent Nuvision a “non-negotiable notice of conditional acceptance,” with the past due notice attached. (Capitalization and boldface omitted.) On top of the past due notice, Patterson wrote “‘Acceptance’ January 12, 2024,” followed by her signature. In

the “amount enclosed” portion of the payment coupon attached to the past due notice, Patterson wrote “92,500.00.” Underneath that handwritten amount, she wrote: “‘Accepted’ January 12, 2024,” followed by her signature.

Patterson gave Nuvision 10 days to respond to the notice. Patterson warned: “If you fail to provide a response within the stated timeline, it will be presumed that you have accepted the terms and conditions as stated herein,” including “that no further payment is owed, that the outstanding debt has been discharged in full thereby reducing the account balance to zero, that you will remove negative credit reporting you have reported to the crediting agencies ….” Nuvision did not respond.

Over the next several months, Patterson sent Nuvision numerous additional notices. Those notices advised Nuvision that it was in default because it failed to respond to Patterson’s previous notices, and the subsequent notices gave Nuvision an opportunity to cure that default. Nuvision did not respond to those notices. Patterson notified Nuvision that by failing to respond to the notice of acceptance, Nuvision had tacitly agreed to the terms of the notice, so Patterson “owe[d] nothing [to Nuvision], and this commercial matter is settled and closed.”

In April 2024, Patterson filed a form entitled “UCC Financing Statement (UCC-

1)” with the California Secretary of State. It identifies Nuvision as the debtor and Patterson as the secured party. In the form, Patterson asserted: “In Accordance to the Uniform Commercial Code, the Administrative Procedures Act (U.S.C. 5 Section 501, et seq. and the Federal Register Act, Debtor has tacitly agreed Secured Party owes Debtor

nothing on Public Account number …. Debtor owes Secured Party damages in the amount of $273,962.88.”

In May 2024, Nuvision repossessed the Chevrolet truck from Patterson. Patterson filed her petition in the superior court the following month. The petition contains the following two causes of action: (1) replevin and (2) “judgment for satisfaction of lien, damages and injunctive relief.” (Capitalization and boldface omitted.) For the replevin cause of action, Patterson alleged that Nuvision “took possession” of the truck, which she described as her personal property, and did not return it. For the second cause of action, Patterson petitioned the court “to render a judgment that directs [Nuvision] to release all claims on [her] Subject Personal Property and pay [Patterson] damages in the amount requested on the filed UCC.-1 Financing Statement plus an additional $5,000.00 per day from May 17, 2024 until [Patterson’s] Subject Property is returned to her as per” the notice of acceptance. Patterson alleged that Nuvision had “lost their right to contest this Petition via estoppel through acquiescence” and had “abandoned their right to answer, oppose and appeal.” She alleged that the matter had been resolved by the “private administrative process” that she initiated, which included all of the notices that she sent to Nuvision.

Patterson sought the following forms of relief: (1) an order stating that the loan was paid in full; (2) return of the Chevrolet truck to Patterson’s possession or, if that was impossible, a $77,000 payment “for conversion” of that property; (3) removal of all “derogatory reporting with the credit bureaus”; (4) damages in the amount of

$273,962.88; and (5) an order prohibiting Nuvision from taking further action against Patterson, including selling the truck or attempting to collect on the debt.

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