Exhibit PX19 — In re Bank of America California Unemployment Benefits Litigation (Dkt. 634-20, S.D. Cal. No. 3:21-md-02992)

Record facts

U.S. District Court for the Southern District of California · No. 3:21-md-02992-GPC-MSB · Doc. 634-20 · 2026-01-09 · Docket on CourtListener

Full text

PX19 
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Ryan Schwartz 
In Re Bank of Amer.ica CA Unemployment Benefits Litigation 
UNITED STATES DISTRICT COURT 
SOUTHERN DISTRICT OF CALIFORNIA 
CASE NO. 3:21-md-02992-LAB-MSB 
IN RE BANK OF AMERICA 
CALIFORNIA UNEMPLOYMENT 
BENEFITS LITIGATION 
TRANSCRIPT of the stenographic notes o f 
the videotaped deposition of RYAN SCHWARTZ in the 
above-entitled matter, as taken by and before 
LORRAINE B . ABATE, a Certified Shorthand Reporter and 
Notary Public of the State of New York , and 
Registered Professional Reporter , held at t he offices 
of Goodwin Procter LLP, New York Times Building, 620 
Eighth Avenue, New York, New York 10018, on December 
4, 2024 , commencing at 9 : 43 a . m., pursuant to Notice . 
Job No.: 10154398 
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Ryan Schwartz 
In Re Bank of America CA Unemployment Benefits Litigation 
APPEARANCES: 
AL S 0 
09:44:10 
ALTSHULER BERZON LLP 
Attorneys for t he Plaintiffs 
177 Post Street 
Suite 300 
San Francisco, Californi a 
94108 
BY: COLIN C. JONES , ESQ . 
CONNIE K. CHAN, ESQ. 
(415) 421- 7 151 
cjones@a l tber.com 
cchan@a l tber.com 
GOODWIN PROCTER LLP 
Attorneys for the Defendant 
Bank of America, N.A . 
New York Times Building 
620 Eighth Avenue 
New York, New York 
1001 8 
BY : LI NDSAY E. HOYLE, ESQ. 
BAYLY BUCK, ESQ. 
(212) 813-8800 
lhoyl e @goodwinlaw.com 
bbuck@goodwinlaw . com 
PR E SENT: 
Richard Morales , Videographer 
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Ryan Schwartz 
In Re Bank of America CA Unemployment Benefits Litigation 
APPEAR ACES: 
(Via Videoconfe rence) 
COTCHETT PITRE & McCARTHY, LLP 
Attorneys for the Plaintiff 
840 Malcolm Road, suite 200 
Burlingame, California 
94010 
BY: 
BRIAN DANITZ, ESQ 
KARIN B. SWOPE , ESQ. 
(650) 697 -6000 
bdanitz@cpmlegal.com 
kswope@cpmlegal.com 
SWIGART LAW GROUP, APC 
Attorneys for Individual Plaintiffs 
2221 Camino del Rio South, Suite 308 
San Diego, California 
92108 
BY: 
JOSHUA B. SWIGART, ESQ. 
ILANA PLATKIEWICZ, ESQ . 
(866) 219 - 3343 
josh@swigartlawgroup.com 
iliana@swigartlawgroup.com 
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Ryan Schwartz 
In Re Bank of America CA Unemployment Benefits Litigation 
Schwartz - December 4 , 2024 
THE VIDEOGRAPHER: 
We are now on the 
record. 
Today's date is December 4th, 2024, and 
the time is approximately 9 : 43 a.m. East ern 
time. 
This is the video deposition of Ryan 
Schwartz, being taken in the matter of Bank of 
America CA unempl oyment Benefits Litigation. 
This deposition is taking place at 
Goodwin Procter. 
My name is Ri chard Morales 
appearing for Aptus Court Reporting, located at 
401 west A street, suite 1680, San Diego, 
Cal ifornia 92012. 
I am the official 
videographer, and this is the only authorized 
video recording of the deposition. 
The audio and video recording will take 
place at all times unless all counsel agree to 
go off the record. 
All appearances will be noted on the 
stenographic record today. 
The court reporter 
today is Lorraine Abate, and she may now swear 
in the deponent . 
(Continued on next page.) 
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Ryan Schwartz 
In Re Bank of America CA Unemployment Benefits Litigation 
Schwartz - December 4, 2024 
R Y A N 
S C H W A R T Z, 
Having been first duly sworn by a Notary 
Public of the State of New York, was 
examined and testified as follows: 
EXAMINATION BY MR . JONES: 
Q. 
Good morning. 
A. 
Good morning. 
Q. 
As I said1 my name is Colin Jones. 
I'm 
an attorney for the class plaintiffs, and joined by 
Connie Chan. 
Thank you for taking the time today. 
appreciate it. 
Just to start1 have you ever been 
deposed before? 
A. 
No. 
Q. 
And so since this is new for you, I'll 
go over some ground rules just so that we're all on 
the same page. 
so first 1 this isn't an endurance 
contest. 
I' l l take breaks1 but if you need a break 
yourself1 feel free to let me know and we can take a 
break as long as there's not a question pending. 
Seem fair? 
A. 
Q. 
Yes. 
Next1 do you understand that you are 
I 
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Ryan Schwartz 
In Re Bank of America CA Unemployment Benefits Litigation 
Schwartz - December 4, 2024 
testifying under oath and under penalty of perjury 
today the same as if you were in court? 
A. 
Yes . 
Q. 
And do you understand that what you say 
here today is being taken down by a court reporter? 
A. 
Yes. 
Q. 
So far, you're doing a great job of 
this, but to allow the court reporter to take down 
everything we say today, it's important that your 
responses be verbal, no shrugging, nodding, uh-huh. 
Try to avoid those if you can. 
A. 
I will probably do both that and try to 
respond verbally, yes. 
Q. 
we can do both. 
That works perfectly. 
For the same reason, we do have to be 
careful not to interrupt each other. 
So please wait 
until I finish the question before you start your 
answer, and I will try not to interrupt your answers. 
Does that seem doable? 
A. 
Yes . 
Q. 
If you don't understand a question, 
please tell me. 
I'll make an effort to rephrase it 
or clarify it if I can. 
But if I ask you a question 
and you answer it, I will assume that you understood 
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Ryan Schwartz 
In Re Bank of America CA Unemployment Benefits Litigation 
Schwartz - December 4, 2024 
and that you are giving me your best and fullest 
answer. 
Does that sound fair? 
A . 
Yes. 
Q. 
Because you're under oath and because 
everything is being taken down, it's important for 
you to give me your best answer today. 
Does that make sense? 
A. 
Yes. 
Q. 
Now, I don't want you to guess if you 
don't know an answer , but I am entitled to your best 
estimate. 
So example of that distinction, if I ask 
you to tell me the size of my monitor on my desk in 
my office, that would just be purely a guess, and you 
don't have that answer to that. 
But if I ask you 
what the size of the monitor is on your desk in your 
office, you've seen it. 
You could give me an 
estimate even if you don't know the exact diagonal. 
Does that make sense? 
A . 
Yes . 
Q. 
You understand from time to time your 
counsel will state objections to my questions, but 
unless they specifically instruct you not to answer, 
you do need to answer the question after they finish . 
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Ryan Schwartz 
In Re Bank of America CA Unemployment Benefits Litigation 
Schwartz - December 4, 2024 
Yes . 
A. 
Q. 
Okay. 
And finally, two questions we ask 
everyone. 
Are you under the influence of alcohol or 
any medication that would impede your ability to give 
your best testimony today? 
A. 
No . 
Q. 
Is there any other reason you cannot 
answer my questions truthfully and to the best of 
your ability? 
A. 
No. 
Q. 
What, if anything, did you do to prepare 
for today's deposition? 
A. 
I met with the ladies here to my right. 
Q. 
And is Ms. Hoyle representing you with 
respect to your deposition today? 
A. 
I'm not sure how t o answer, if she's 
representing me or the bank. 
Q. 
counsel? 
A. 
Q. 
A. 
Q. 
A. 
How many times did you meet with 
Twice. 
In person? 
Yes. 
When did you meet with them? 
Once yesterday and once the Wednesday 
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Ryan Schwartz 
In Re Bank of America CA Unemployment Benefits Litigation 
Schwartz - December 4, 2024 
prior to Thanksgiving . 
Q. 
About how long each time? 
A. 
Most of the day. 
Q. 
Was anyone present other than the two 
attorneys here? 
A. 
In person? 
Q. 
Yes. 
No. 
Was anyone present over Zoom? 
A couple of individuals were, yes. 
Were those individuals attorneys? 
As far as I know. 
A. 
Q. 
A. 
Q. 
A. 
Q. 
Do you know if anyone was there who was 
not an attorney? 
A. 
Q. 
Not that I know of. 
Did you have any other meetings wi t h 
counsel other than those two? 
A. 
We had a Zoom call at some point 
probably right a fter my deposition was noticed. 
It 
was after Hal loween, but before Thanksgiving. 
Q. 
About how long was that? 
A. 
Q. 
A. 
No more than an hour, I would guess. 
Also with the two attorneys here? 
Yes, and others. 
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Ryan Schwartz 
In Re Bank of America CA Unemployment Benefits Litigation 
Q. 
A. 
Q. 
Schwartz - December 4, 2024 
other attorneys? 
As far as I know, yes . 
Did you speak to anyone other than 
counsel to prepare for this deposition --
A. 
No. 
Q. 
A. 
Q. 
-- at any point? 
I'm sorry for interrupting . 
No. 
Have you reviewed any prior deposition 
testimony in this case? 
A. 
No. 
Q. 
Have you reviewed any declarations 
submitted in this case? 
hers. 
A. 
Q. 
A. 
Q. 
A. 
Q. 
A. 
Q. 
I don ' t believe so. 
Declaration of Michael Letson? 
No. 
Declaration of William Matt Martin? 
I don ' t even know who that is. 
so ... 
Declaration of Mel Gargagliano? 
Yes. 
Her name is very hard to spel l. 
No, I have not reviewed anything of 
What documents, if any, did you review 
to prepare today? 
A. 
Mu l t iple e-mails that were sent during 
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Ryan Schwartz 
In Re Bank of America CA Unemployment Benefits Litigation 
Schwartz - December 4, 2024 
a -- the events that you're going to ask me about 
today. 
Q. 
Did you review any documents that your 
attorneys di d not specifically provide you? 
A. 
No. 
Excuse me. 
No . 
Q. 
Have you spoken with anyone else about 
this case generally? 
A. 
Ever? 
In the last four years, yes, I'm 
sure I've spoken to people about t hese matters. 
Q. 
How about in the last year? 
A. 
Not outside of the last month . 
Q. 
I want to make sure that -- just so we 
have -- there's a lot of verbiage 
A. 
I understand. 
We're going to go back 
and forth. 
Q. 
So I'm going to kind of walk through and 
make sure that I have -- we have a shared 
understanding of a couple terms. 
A. 
Thank you. 
I appreciate that. 
Q. 
Absolutely. 
First, if I refer to the defendant in 
this case as Bank of America, BANA, B of A, or the 
bank, will those all make sense to you? 
A. 
Yes. 
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Ryan Schwartz 
In Re Bank of America CA Unemployment Benefits Litigation 
Schwartz - December 4 , 2024 
C E R T I F I C A T I O N 
STATE OF NEW YORK 
SS: 
COUNTY OF WESTCHESTER 
I, LORRAINE B. ABATE, a Certified Shorthand 
Reporter and Notary Public of the State of New York 
and Registered Professional Reporter, do hereby 
certify the foregoing to be a true and accurate 
transcript of my original stenographic notes taken of 
RYAN SCHWARTZ at the time and place hereinbefore set 
forth . 
I further certify that I am not related, by 
blood or marriage, to any of the parties in this 
matter and that I am in no way interest ed in the 
outcome of this matter. 
LORRAINE B. ABATE , CSR, RPR 
License No. 000965 
Dated: December 7, 2024 
www.aptusCR.com 
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In re Bank of America Califomia U11e111ployme11t Benefits Litigation 
Case No. 3:21-MD-02992-LAB-MSB 
E"ata Sheet f or December 4, 2024 Deposition of Ryan Schwartz 
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In accordance with the Rules of Civil Procedure, I have read the entire transcript of my testimony 
or it has been read to me. I have listed my changes on the above Errata Sheet, listing page and line 
numbers. I request that these changes be entered as part of the record of m) testimony. and request and 
authorize that this Errata Sheet be appended to the transcript of my tcstimon} and be incorporated therein. 
Executed this 7th day of January. 2025. 
Ryan Schwartz 
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