Patterson v. Nuvision Credit Union CA4/2

CourtCalifornia Court of Appeal
DecidedJuly 2, 2026
DocketE085327
StatusUnpublished

This text of Patterson v. Nuvision Credit Union CA4/2 (Patterson v. Nuvision Credit Union CA4/2) 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
Patterson v. Nuvision Credit Union CA4/2, (Cal. Ct. App. 2026).

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Filed 7/2/26 Patterson v. Nuvision Credit Union CA4/2 NOT TO BE PUBLISHED IN OFFICIAL REPORTS California Rules of Court, rule 8.1115(a), prohibits courts and parties from citing or relying on opinions not certified for publication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 This opinion has not been certified for publication or ordered published for purposes of rule 8.1115.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

1 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.

2 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

3 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

4 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,

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