Court filing
Exhibit PX20 — In re Bank of America California Unemployment Benefits Litigation (Dkt. 634-21, S.D. Cal. No. 3:21-md-02992)
Filed January 9, 2026 in In re Bank of America California Unemployment Benefits Litigation; one of 1415 filings from this case.
Record facts
| Court | U.S. District Court for the Southern District of California |
|---|---|
| Filed | 2026-01-09 |
U.S. District Court for the Southern District of California · No. 3:21-md-02992-GPC-MSB · Doc. 634-21 · 2026-01-09 · Docket on CourtListener
Full text
PX20 Case 3:21-md-02992-GPC-MSB Document 634-21 Filed 01/09/26 PageID.52772 Page 1 of 165 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 1 9 20 21 22 23 24 Bradley Garfield In Re Bank of America CA Unemployment Benefits Litigation UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF CALIFORNIA IN RE BANK OF AMERICA CALIFORNIA UNEMPLOYMENT BENEFITS LITIGATION Case No. 3:21-md-02992-GPC-MSB December 10 , 2024 Videotape Deposition of BRADLEY GARFIELD, taken pursuant to notice, held at Goodwin Procter, 3025 JFK Blvd. - 7th Floor, Philadelphia, Pennsylvania 1 9104 , commencing at 9:05 a.m., on the above date, before Lori Guyer, Professional Court Reporter and Notary Public in and for the Commonwealth of Pennsylvania. Job No. 10154399 www.aptusCR.com Page 1 Case 3:21-md-02992-GPC-MSB Document 634-21 Filed 01/09/26 PageID.52773 Page 2 of 165 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Bradley Garfield In Re Bank of America CA Unemployment Benefits Litigation APPEARANCES: CONNIE K. CHAN, ESQUIRE JAMES BALTZER, ESQUIRE ALTSHULER BERZON, LLP 177 Post Street - Suite 300 San Francisco, California 94108 Cchan@altber.com For - The Plaintiffs and the Proposed Class YVONNE W. CHAN, ESQUIRE JONES DAY 100 High Street - 21st Floor Boston, Massachusetts 02110 Ychan@jonesday.com For - The Defendant, Bank of America ANGELICA RANKINS, ESQUIRE ALEXIS DESAUTEL, ESQUIRE GOODWIN PROCTER 1900 N Street Washington, DC 20036 Arankins@goodwinlaw.com For - The Defendant (The following Counsel were present via Zoom) KARIN B. SWOPE, ESQUIRE BRIAN DANITZ, ESQUIRE COTCHETT, PITRE & MCCARTHY, LLP 840 Malcolm Road - Suite 200 Burlingame, California 94010 Kswope@cpmlegal.com For - The Plaintiffs and t he Propose d Cl ass www.aptusCR.com Page 2 Case 3:21-md-02992-GPC-MSB Document 634-21 Filed 01/09/26 PageID.52774 Page 3 of 165 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 1 6 17 18 19 20 21 22 23 24 Bradley Garfield In Re Bank of America CA Unemployment Benefits Litigation APPEARANCES CONTINUED: I LANA PLATKIEWICZ, ESQUIRE SWIGART LAW GROUP, APC 2221 Camino Del Rio South - Suite 308 San Diego, California 92108 Josh@swigartlawgroup.com For - Individual Plaintiffs DANIEL G. SHAY, ESQUIRE LAW OFFICES OF DANIEL G. SHAY 2221 Camino Del Rio South - Suite 308 San Diego, California 92108 Daniel@consumerlit.com For - Individual Plaintiffs CAROLINE HUNSICKLER, ESQUIRE ALTSHULER BERZON, LLP 1 77 Post Street - Suite 300 San Francisco, California 94108 Contact@altshul erberzon.com For - AMANDA LAUS, ESQUIRE ALSO PRESENT: Nate Armstrong, Videographer www.aptusCR.com Page 3 Case 3:21-md-02992-GPC-MSB Document 634-21 Filed 01/09/26 PageID.52775 Page 4 of 165 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Bradley Garfield In Re Bank of America CA Unemployment Benefits Litigation THE VIDEOGRAPHER: Good morning. We are now going on the record. The time is 9:05 a.m. Eastern on December 10, 2024. This is the video deposition of Bradley Garfiel d being taken in the matter of In Re: Bank of America California Unemployment Benefits Litigation pending in the United States Court Southern District of California, Case Number 3:21-md-02992-GPC-MSB. This deposition is being taken at Goodwin Procter, 3025 John F. Kennedy Boulevard, Philadelphia, Pennsylvania. 19104. My name is Nathaniel Armstrong appearing for Aptus Court Reporting l ocated at 401 West 8th Street, Suite 1680 , San Diego, California, 92101. I 'm the official videographer, and this is the only authorized video recording of the deposition. The audio and video recording will take p l ace at all times unless all www.aptusCR.com Page 9 Case 3:21-md-02992-GPC-MSB Document 634-21 Filed 01/09/26 PageID.52776 Page 5 of 165 Bradley Garfield In Re Bank of America CA Unemployment Benefits Litigation 1 counsel agree to go off the record. 2 Would counsel please i dentify 3 your selves and state whom you represent 4 star ting with t he notici ng attorney? 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 MS. C. CHAN: This i s Connie Chan of Altshuler Berzon, first class plaintiff, and with me today is my coll eague James Baltzer. MS . Y. CHAN: This i s Yvonne Chan from Jones Day on behalf of Bank of Ameri ca a nd the wi tness , and with me is Angel ica Rankins from Goodwin. THE VI DEOGRAPHER: Thank you. The court reporter today is Lori Guyer and she may now swear or affi rm t he deponent . BRADLEY GARFIELD, after having been duly sworn, was examined and testi fied as f oll ows: EXAMINATION BY MS. C. CHAN: www.aptusCR.com Page 10 Case 3:21-md-02992-GPC-MSB Document 634-21 Filed 01/09/26 PageID.52777 Page 6 of 165 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Bradley Garfield In Re Bank of America CA Unemployment Benefits Litigation here. Q. A. Q. Good morning, Mr. Garfield. Good morning. Thank you very much for being MS . Y. CHAN : And , Connie, j ust before we start , we had a g r eed t o reserve all object ions except as to f orm . I j ust want e d to put that on the record. BY MS. C. CHAN : Q. deposed before? Mr. Garfield, have you ever been A. Q. deposed before? A. Q. A. Q. Yes . How many times have you been Once. When was that? 2021, maybe . Was that a deposition on behalf of the bank or i n your individual capacity? t hat in? A. Q. A. Indi vidual . okay. 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Filed 01/09/26 PageID.52927 Page 156 of 165 Case 3:21-md-02992-GPC-MSB Document 634-21 Filed 01/09/26 PageID.52928 Page 157 of 165 Case 3:21-md-02992-GPC-MSB Document 634-21 Filed 01/09/26 PageID.52929 Page 158 of 165 Case 3:21-md-02992-GPC-MSB Document 634-21 Filed 01/09/26 PageID.52930 Page 159 of 165 Case 3:21-md-02992-GPC-MSB Document 634-21 Filed 01/09/26 PageID.52931 Page 160 of 165 Case 3:21-md-02992-GPC-MSB Document 634-21 Filed 01/09/26 PageID.52932 Page 161 of 165 Case 3:21-md-02992-GPC-MSB Document 634-21 Filed 01/09/26 PageID.52933 Page 162 of 165 1 2 3 4 5 6 7 8 9 10 1 1 12 13 14 15 16 17 18 19 20 21 22 23 24 Bradley Garfield In Re Bank of America CA Unemployment Benefits Litigation C E R T I F I C A T E I, LORI GUYER, BEING A REGISTERED PROFESSIONAL REPORTER, DO HEREBY CERTIFY THAT THE FOREGOING TESTIMONY WAS TAKEN STENOGRAPHICALLY BY ME AFTER THE SAID WITNESS WAS DULY SWORN OR AFFIRMED PRIOR TO THE COMMENCEMENT OF THEIR TESTIMONY; AND THAT THIS DEPOSITION TRANSCRIPT IS A TRUE AND CORRECT TRANSCRIPT OF THE SAME, FULLY TRANSCRIBED UNDER MY DIRECTION, TO THE BEST OF MY ABILITY AND SKILL. I FURTHER CERTIFY THAT I AM NOT A RELATIVE, EMPLOYEE OR ATTORNEY OR ANY OF THE PARTIES IN THIS ACTION; THAT I AM NOT A RELATIVE OR EMPLOYEE OF ANY ATTORNEY INTERESTED IN THE EVENT OF THIS ACTION. DATED: 12/16/2024 Lo1u'ir LORI GUYER www.aptusCR.com Page 410 Case 3:21-md-02992-GPC-MSB Document 634-21 Filed 01/09/26 PageID.52934 Page 163 of 165 In re Bank of America California Unemployment Benefits Litigation Case No. 3:21-MD-02992-LAB-MSB Errata for Deposition of Bradley Garfield, December 1 O, 2024 PageUne(s) Change Reason 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 ~.f;;~Jti~tftnony, and request and authorize that this Errata,, ~l:~:::.:;t"l. -:t;1itUluded to the transcript of my ~~--~i~::~·!if-}·::a.:'°ii,: d:n_ :<: : ~~:·:~;~t:-,. • .• Case 3:21-md-02992-GPC-MSB Document 634-21 Filed 01/09/26 PageID.52935 Page 164 of 165 testimony and be incorporated therein .. Executed this 1'' day of ~,.v. 'J , 2025. I /4~11~11.--~.0(_ ) / <..- ✓ t Bradley Garfield Case 3:21-md-02992-GPC-MSB Document 634-21 Filed 01/09/26 PageID.52936 Page 165 of 165
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