Urista v. Wells Fargo & Company

District Court, N.D. California·Decided January 11, 2022·No. 3:22-cv-00227·Unknown

Opinion

JOSE URISTA, on behalf of himself and Case No.: 20-cv-01689-H-AHG all others similarly situated,

Plaintiff, ORDER GRANTING PLAINTIFF’S v.

WELLS FARGO & COMPANY and [Doc. No. 49.] WELLS FARGO BANK, N.A., Defendants.

On August 29, 2020, Plaintiff Jose Urista (“Plaintiff”) filed a class action complaint against Defendants Wells Fargo & Company (“WF & Co.”) and Wells Fargo Bank, N.A. (“Wells Fargo”) (collectively, the “Defendants”) alleging various claims related to Defendants’ mortgage servicing operations. (Doc. No. 1, “Compl.”) On November 3, 2020, Defendants filed a motion to transfer this action to the U.S. District Court for the Western District of Virginia. (Doc. No. 8.) The Court denied Defendants’ motion to transfer on December 16, 2020. (Doc. No. 15.) Shortly thereafter, Plaintiff moved to transfer venue to the U.S. District Court for the Northern District of California. (Doc. No. 19.) At the parties’ request, the Court’s review of this motion was postponed, and the motion was withdrawn. (Doc. No. 44.) The motion was eventually refiled on September 14, 2021. (Doc. No. 49.) Defendant filed its opposition to the motion on October 18, 2021. (Doc. No. 53.) Plaintiff filed his reply in support of its motion on October 25, 2021. (Doc. No. 54.) The Court, pursuant to its discretion under Local Rule 7.1(d)(1), determines that the motion is fit for resolution without oral argument and submits the motion on the parties’ papers. For the following reasons, the Court grants Plaintiff’s motion to transfer. Background1 Plaintiff’s primary residence is in El Cajon, California. (Doc. No. 1 ¶ 125.) According to Plaintiff, this home is secured by a mortgage serviced by Defendant Wells Fargo, a national banking association headquartered in South Dakota. (Id. ¶¶ 32-34.) Wells Fargo is a subsidiary of Defendant WF & Co., a corporation incorporated in Delaware and headquartered in San Francisco, California. (Id. ¶¶ 27-30.) “On March 25, 2020, in response to the economic damage beginning to be felt by Americans throughout the country, the United States Senate passed the Coronavirus Aid, Relief and Economic Security (“CARES”) Act.” (Id. ¶ 44.) In relevant part, the CARES Act provided certain homeowners “experiencing financial hardships because of COVID- 19 with the option to request up to 180 days of forbearance on their mortgage.” (Id. ¶ 49.) As Plaintiff contends, Defendants are financially incentivized to place the mortgage loan accounts that they service into forbearance. (See id. ¶¶ 89-96.) Plaintiff alleges that Defendants placed his mortgage loan account into this forbearance program without his consent. (See id. ¶¶ 127-31.) Plaintiff suggests that his account was placed into forbearance because his “spouse clicked on an informational link on Wells Fargo’s website which offered only to ‘provide more information’ about possible forbearance options.” (Id. ¶ 127.) As Plaintiff explains, he “never made any request whatsoever in writing, orally, or via any other means to put his mortgage into forbearance.” (Id. ¶ 129.) To support the notion that Defendants unilaterally placed his mortgage account into forbearance, Plaintiff cites to several authorities in his complaint claiming that Defendants have engaged in similar conduct. (See id. ¶¶ 102-23).

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