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RESPONSE IN OPPOSITION -- (re: pldg. ( 1 in MDL No. 2954) ) Filed by Plaintiff Karen's… — Agent Fee Litigation (Dkt. 33)

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An opposition brief filed June 24, 2020 as Document 33 in In re: Wells Fargo Paycheck Protection Program Litigation, MDL No. 2954, before the United States Judicial Panel on Multidistrict Litigation. Plaintiff Karen's Custom Grooming LLC opposes DNM Contracting, Inc.'s motion under 28 U.S.C. §1407 to transfer the listed actions to the Southern District of Texas. The brief responds to the Panel's June 10, 2020 directive on alternatives to centralization, then describes each listed action with its case number, named defendants and proposed class. It argues that neither side addressed the convenience of witnesses or the location of documents, and that a California district court should be preferred because Wells Fargo has principal offices there. As alternative relief it asks for transfer to the Southern District of California; the brief runs nine pages.

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          Case MDL No. 2954             Document 33     Filed 06/24/20      Page 1 of 9




                                    BEFORE THE
                          UNITED STATES JUDICIAL PANEL ON
                             MULTIDISTRICT LITIGATION




IN RE: WELLS FARGO PAYCHECK                                        MDL No. 2954
PROTECTION PROGRAM LITIGATION




 PLAINTIFF KAREN’S CUSTOM GROOMING LLC’S OPPOSITION TO PLAINTIFF
  DNM CONTRACTING, INC.’S MOTION FOR TRANSFER OF ACTIONS TO THE
     SOUTHERN DISTRICT OF TEXAS PURSUANT TO 28 U.S.C. §1407 FOR
       COORDINATED OR CONSOLIDATED PRETRIAL PROCEEDINGS


       Pursuant to 28 U.S.C. §1407, Plaintiff in Karen’s Custom Grooming LLC v. Wells Fargo

& Company, Wells Fargo Bank, N.A., et al. Case No. 3:20-cv-956-LAB-BGS (S.D. Cal.) (the

“KCG Action”), respectfully opposes Plaintiff DNM Contracting, Inc.’s (“DNM”) motion, filed

before the United States Judicial Panel on Multidistrict Litigation (the “Panel”), to transfer the

eight below listed actions (or any current or future tag-along or related actions) (collectively the

“Actions”) to the Southern District of Texas (the “DNM Motion”).

                                   I.       INTRODUCTION

       Plaintiff in the KCG Action, Karen’s Custom Grooming LLC (“KCG”) submits that

DNM’s Motion should be denied, that it fails to meet the standards for imposing the relief
requested, and that the Southern District of Texas is not a proper forum to which to transfer,

whether for centralization or consolidation, the pre-trial litigation of the Actions. As set forth

herein, KCG submits that the Southern District of California is the appropriate forum.
          Case MDL No. 2954          Document 33        Filed 06/24/20      Page 2 of 9




II.     EFFORTS IN THE KCG ACTION TO COMPLY WITH THE PANEL’S JUNE 10,
                        2020 DIRECTIVE (ECF No. 4)

       In ECF No. 4 (“Text Only Notice”) 1, the Panel directed the parties to: “. . . address what

steps they have taken to pursue alternatives to centralization (including, but not limited to,

engaging in informal coordination of discovery and scheduling, and seeking Section 1404 transfer

of one or more of the subject cases).”

       The KCG Action names Wells Fargo & Company (“WFC”) and Wells Fargo Bank, N.A.

(“WFB”) as defendants (including certain DOE defendants). Prior to the date of filing this

opposition, KCG’s counsel asked WFC and WFB’s counsel (“Defendants’ Counsel”) for the

position of WFC and WFB (“Defendants”) on the DNM Motion, its position on a choice of district,

and other related issues. See Declaration of Kathleen Herkenhoff in support of this opposition

brief, filed concurrently herewith (“Herkenhoff Decl.”). Until being served this morning via ECF

notification with the brief (ECF No. 17) filed by Defendants in opposition to the DNM Motion

(and in a call thereafter with one of Defendants’ Counsel), KCG had not received information from

Defendants’ Counsel as to their clients’ ultimate position on the DNM Motion. The only

information that KCG had received prior to service of ECF No. 17 was Defendants’ Counsel’s

agreement that no party to the KCG Action will file any §1404 transfer motions for a particular

time period, and that each party agrees to continue WFC and WFB’s time to respond to the

operative complaint in the KCG Action (currently continued through August 4, 2020 pending the

scheduled July 30, 2020 hearing on the DNM Motion). See Herkenhoff Decl, at Exhibits 1 and 2

(the “KCG Stipulations”). 2




1
        As used herein, all references to “ECF No. ___” are to the electronic entries in the docket
for MDL No. 2954. All emphasis is added and citations omitted, unless otherwise noted.
2
        The KCG Stipulations also alerted the Honorable Chief Judge Larry A. Burns of the
Southern District of California that the DNM Motion has been filed with the Panel. It is not evident
that the DNM Motion was served on the proposed various district courts presiding over the
Actions.


                                                 2
          Case MDL No. 2954          Document 33        Filed 06/24/20      Page 3 of 9




       As set forth in the KCG Stipulations, the parties in the KCG Action have discussed issues

concerning the time schedule for responsive pleadings in certain of the other Actions vis-à-vis

agreeing to a schedule in the KCG Action for WFC and WFB to respond to the operative complaint.

Id.   KCG’s counsel also notified Defendants’ Counsel that it will be issuing a document

preservation letter. See Herkenhoff Decl. While KCG’s counsel reserves its right to commence

discovery in the KCG Action, given the import of ECF No. 4, KCG is, and remains, willing to

confer with Defendants’ Counsel (or counsel for other plaintiffs at an appropriate time) to consider

and evaluate conservation of resources of all parties pending the outcome of the DNM Motion.

                     III.    FACTUAL OVERVIEW OF THE ACTIONS

       While all of the Actions relate in some manner to the events surrounding the participation

and conduct of WFC and/or WFB in the Payroll Protection Program (the “PPP”) that is part of

Title I of the Coronavirus Aid, Relief, and Economic Security Act (the “CARES Act”) (Public

Law 116-136), and each asserts relief on behalf of a proposed class or classes, there are key factual

and legal differences between the Actions that Defendants view (see ECF No. 17) as roadblocks

to transfer and consolidation. Plaintiff KCG takes the position that transfer and consolidation for

some of the consumer actions (as identified below) may be appropriate, but not in the manner

sought by the DNM Motion, which seeks transfer to the Southern District of Texas.

       As demonstrated below, with regard to actions filed to redress wrongs perpetrated on

consumers seeking PPP loans through Defendants, it is the KCG Action and potentially one other

action (the Marselian Action as defined below) that have the broadest class definitions in that they

both seek to certify a nationwide class on behalf of businesses and individuals, as well as a sub-

class of such persons within the State of California. 3 As Defendants indicate, the KCG Action



3
        ECF No. 17, Defendants’ response in opposition to the DNM Motion, seeks to characterize
the nature of the defined classes in the KCG Action. While KCG does not agree with the
characterization of the classes in the KCG Action, nor the import of Defendants’ comparison of
those class allegations to those in the Marselian Action, Defendants’ position does not impact the
real issue herein, which is that the DNM Motion should be denied. Similarly, for purposes of this



                                                 3
           Case MDL No. 2954          Document 33         Filed 06/24/20      Page 4 of 9




contains a broad range of facts and claims asserting liability. See ECF No. 17 (describing the KCG

Action as alleging a “multiplicity of purported wrongs.”).

       The Actions (based on the DNM Motion’s Schedule of Actions and attachments thereto)

are as follows:

       DNM Contracting, Inc. v. Wells Fargo Bank, N.A., Civil Action No. 4:20-cv-01790 (S.D.

Tex.) (the “DNM Action”).

       The DNM Action is a proposed consumer class action, naming WFB as a defendant, and is

asserted only on behalf of a class of all WFB small business customers who utilized WFB for

assistance with and processing of their PPP loans administered by the SBA (i.e. the Small Business

Administration). 4 See ECF No. 1-4.

       Scherer v. Wells Fargo Bank, N.A., Civil Action No. 4:20-cv-01295 (S.D. Tex.) (the

“Scherer Action”).

       The Scherer Action is a proposed consumer class action, naming WFB as a defendant, and

is asserted only on behalf of a class of: “(a) all individuals or entities who qualify for a loan under

the PPP and (b) who were prevented from even applying for a PPP loan by Wells Fargo solely

because they do not have a pre-existing business checking and/or debt relationship with Wells

Fargo as of February 15, 2020.” See ECF No. 1-5.




response to the DNM Motion, KCG will not attempt to address issues asserted by Defendants
about the naming of Wells Fargo & Company, any issues of mootness, or similar items. KCG
reserves all rights, however, to address these issues, whether in reply, at any oral argument on the
DNM Motion, or in the KCG Action.
4
         Each of the summary descriptions herein of the defined classes in the listed actions is
simply intended to convey certain key facts about the defined classes, not all specific details. For
the precise definition of each such class, the operative pleadings are on file with the Panel and
where available, the “ECF No. ___” of such operative pleadings is provided for ease of reference.
Similarly, where the subject action seeks relief based upon alleged misconduct directed to persons
or entities seeking a PPP loan from the Defendants, based on a variety of statutory or common law
counts, for ease of reference, these actions are referred to herein as a “consumer” class action.


                                                  4
          Case MDL No. 2954          Document 33        Filed 06/24/20      Page 5 of 9




       BSJA, Inc., et al., v. Wells Fargo & Co., Wells Fargo Bank, N.A., et al. Civil Action No.

2:20-cv-03588 (C.D. Cal.) (the “BSJA” Action”).

       The BSJA Action is a consumer class action, naming both WFC and WFB as defendants,

but is only asserted on behalf of a class of businesses in the State of California who applied for

PPP loans. See ECF No. 1-6.

       Karen’s Custom Grooming LLC v. Wells Fargo & Company, Wells Fargo Bank, National

Association, et al., Civil Action No. 3:20-cv-956-LAB-BGS (S.D. Cal.) (the “KCG Action”).

       The KCG Action is a consumer class action, naming both WFC and WFB (and various

DOES) as defendants, and the action is asserted on behalf of a class of businesses and individuals

(defined in the KCG Action as “Eligible Recipients”), both in the State of California and

nationwide. See ECF No. 1-10.

       Marselian (d/b/a Bistro Pazzo) v. Wells Fargo & Co., Wells Fargo Bank, N.A., et al., Civil

Action No. 4:20-cv-03166-HSG (N.D. Cal.) (the “Marselian Action”).

       The Marselian Action is a consumer class action, naming both WFC and WFB as

defendants, and is asserted on behalf of a class of both individuals and business, both in the State

of California and nationwide. See ECF No. 1-9.

       Physical Therapy Specialists, P.C. v. Wells Fargo Bank, N.A., Civil Action No. 1:20-cv-

01190 (D. Colo.) (the “Physical Therapy Action”).

       The Physical Therapy Action is a consumer class action, naming WFB as a defendant, and

is asserted only on behalf of account holders incorporated in, or having a principal place of

business in, the State of Colorado. See ECF No. 1-7.

       Ma v. Wells Fargo & Co., Charles W. Scharf, and John R. Shewsberry, Civil Action No.

3:20-cv-03697 (N.D. Cal.) (the “Ma Action”).

       The Ma Action is a securities class action pursuant to the Private Securities Litigation

Reform Act of 1995, naming only WFC and certain individual defendants. See ECF No. 1-11.




                                                 5
           Case MDL No. 2954         Document 33        Filed 06/24/20      Page 6 of 9




       Full Compliance, LLC, et al. v. Amerant Bank, N.A., et al., Civil Action No. 1:20-cv-22339

(S.D. Fla.) (the “Full Compliance Action”).

       The Full Compliance Action names WFB and a host of other banks as defendants, and it is

not based on the same misconduct alleged in the above-described consumer class actions, such as

the KCG Action. See ECF No. 1-8. The Full Compliance Action is filed on behalf of “agent[s]”

who essentially “facilitated” other businesses in seeking PPP loans, and who now claim they are

owed agent fees pursuant to the CARES Act and the PPP. 5

       BAM Navigation, LLC v. Wells Fargo & Co., Wells Fargo Bank, N.A., Civil Action No.

0:20-cv-01345-JTR-ECW (D. Minn.) (the “BAM Navigation Action”).

       The BAM Navigation Action is a consumer class action, naming WFC and WFB as

defendants, and is asserted on behalf of specific persons or entities in the State of Minnesota who

applied for a PPP loan via Defendants. See ECF No. 11-3. The BAM Navigation Action is not

listed on the Schedule of Actions, but was filed thereafter.

    IV.     CONVENIENCE TO POTENTIAL WITNESSES AND OTHER FACTORS
          SUPPORT TRANSFER TO A DISTRICT COURT WITHIN CALIFORNIA

       DNM cites cases from the Panel holding that differences such as those identified above as

to the named defendants, or the defined classes, are not reasons to defeat centralization, and

Defendants cite cases to the contrary (see ECF No. 17). However, the key issue – that neither

factually address – remains the convenience of the witnesses and the location of documents. Cases

cited by DNM, however, do highlight this as a key factor in reaching a decision on the appropriate

transferee court. See e.g. In re Radiation Incident at Washington, 400 F. Supp. 1404, 1407

(J.P.M.L. 1975) (in finding the District of Columbia to be the most suitable transferee forum, the

Panel noted that “many of the relevant documents and witnesses are located in the Washington,

D.C. metropolitan area . . . .”); In re Bank of N.Y. Mellon Corp. Foreign Exch. Transactions Litig.,

857 F. Supp. 2d 1371, 1373 (J.P.M.L. 2012) (in selecting the Southern District of New York, the



5
       ECF No. 16 indicates that the Panel has ordered that the Full Compliance Action is removed
from the DNM Motion.


                                                 6
          Case MDL No. 2954          Document 33       Filed 06/24/20      Page 7 of 9




Panel noted that the defendant was headquartered in that district and that the subject operations

occurred within the district); In re Ford Motor Co. Speed Control Deactivation Switch Prods. Liab.

Litig., 398 F. Supp. 2d 1365, 1367 (J.P.M.L. 2005) (ordering centralization in the Eastern District

of Michigan because defendant’s headquarters were located within the district and it was “likely”

that it would be the source of “relevant documents and witnesses . . . .”). Indeed, in a recent

Transfer Order issued by the Panel in IN RE: Wells Fargo Auto Insurance Marketing and Sales

Practices Litigation, Transfer Order, MDL No. 2797 (J.P.M.L. Oct. 5, 2017) (the “WF Auto

Insurance MDL Transfer Order”), the Panel ordered centralization in the Central District of

California based on, among other factors, the “convenience of the parties and witnesses”,

particularly after a representation by Wells Fargo’s counsel at the hearing that the “primary

witnesses would be found in the Central District of California.”

       Neither DNM nor Defendants have addressed this issue (the convenience of witnesses or

the location of documents) as to the respective transferee districts that they propose (Southern

District of Texas or District of Colorado, respectively). As set forth above, in attempts to confer

with WFC and WFB prior to filing this Opposition, Plaintiff KCG was not informed as to the

position of these key defendants on where the majority of the documents or corporate witnesses

would be located. See Herkenhoff Decl. Nor do the Defendants address this issue in ECF No. 17,

nor was that position provided on the call KCG’s counsel received after the filing of ECF No. 17.

Id.

       In the absence of any showing by either DNM or Defendants on the issue, in particular, of

the convenience of witnesses or the location of Defendants’ corporate documents, the rational

conclusion is that a district court located in California should be preferred over courts in either

Texas or Colorado, under any scenario, given that WFC and WFB each have principal offices in

California.

       As outlined above, the two cases that arguably have the broadest alleged relief for

businesses and individuals seeking PPP Loans from WFC/WFB are the KCG Action and the

Marselian Action, each of which have plaintiffs with counsel officed within the boundaries of the



                                                7
          Case MDL No. 2954          Document 33        Filed 06/24/20      Page 8 of 9




Southern District of California, and with clients alleged to be operating in cities within the

jurisdiction of the Southern District of California. ECF Nos. 1-9 and 1-10. While plaintiff in the

Marselian Action filed in the Northern District of California, it is presumably because WFC and

WFB maintain principal offices in San Francisco. See ECF No. 1-9. Often, however, this issue is

not solely determinative, as seen by the Panel’s decision in the above cited WF Auto Insurance

MDL Transfer Order, and also by positions that even WFB has taken in other (albeit unrelated)

class litigation in the past. See Herkenhoff Decl., at Exhibits 3 – 4 (proceedings where WFB

sought to transfer a class case from the Northern District of California to the Southern District of

California).

       Accordingly, pending some affirmative declaration by Defendants submitted to the Panel

(and served upon the parties to the Actions) as to the location of key corporate witnesses and

documents that may be addressed at a hearing or in further briefing, a district court in California

presumptively provides the best forum for litigation of the consumer class claims alleged in the

Actions, if transfer is ordered. As to the three California district courts involved herein for the

consumer class actions (Northern, Southern, and Central), the Southern District of California is

the appropriate choice. Both the plaintiffs and counsel in the KCG Action and Marselian Action

are based in San Diego, California, and the plaintiffs and counsel in the BSJA Action are in the Los

Angeles area (closer to San Diego than San Francisco).

                                     V.      CONCLUSION

       For the reasons set forth herein, Plaintiff KCG opposes the DNM Motion, and respectfully

requests that the Panel deny the DNM Motion. 6




6
  In ECF No. 17, Defendants include the legend “Oral Argument Requested”. KCG similarly
requests oral argument if the Panel is not inclined to summarily deny the DNM Motion in full.
Rule 11.1(c) of the Panel’s Rules provides that the Panel shall not consider transfer when a party
opposes a transfer motion without first holding a session for the presentation of oral argument,
unless certain conditions are met as detailed in Rule 11.1(c)(i)-(ii).


                                                 8
          Case MDL No. 2954           Document 33        Filed 06/24/20      Page 9 of 9




       If, however, the Panel is not inclined to deny the DNM Motion in full, Plaintiff KCG

respectfully requests that the Panel order that all pending and future actions asserting related or

similar claims filed outside the Southern District of California be transferred to the Southern

District of California and assigned to Chief Judge Larry A. Burns, and that all related or similar

actions be consolidated with the KCG Action for coordinated pre-trial proceedings. For reasons

set forth herein, KCG’s position is that the Southern District of California is the most appropriate

District with a pending action that will afford the widest possible relief to the proposed classes, in

a judicial forum that has handled many complex class actions involving WFB. 7 In addition, Chief

Judge Burns of the Southern District of California, who presides over the KCG Action, has served

as a district court judge since 2003 (and served as magistrate judge from 1997 to 2003), bringing

a wealth of experience to overseeing the Actions.

       Respectfully submitted,

Dated: June 24, 2020                            HAEGGQUIST & ECK, LLP
                                                ALREEN HAEGGQUIST
                                                KATHLEEN A. HERKENHOFF
                                                IAN PIKE


                                                By:     s/ Kathleen A. Herkenhoff
                                                           KATHLEEN A. HERKENHOFF

                                                225 Broadway, Suite 2050
                                                San Diego, California 92101
                                                Telephone: (619) 342-8000
                                                Facsimile: (619) 342-7878

                                                alreenh@haelaw.com
                                                kathleenh@haelaw.com
                                                ianp@haelaw.com

                                                Attorneys for Plaintiff Karen’s Custom Grooming
                                                LLC


7
        If the Panel is not inclined to select a transferee district in California, KCG requests that
the Panel establish a schedule that permits adequate time for the filing of cross-motions to transfer
to a district other than the Southern District of Texas or the District of Colorado (as suggested in
ECF No. 17).


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