Exhibit PX25 — In re Bank of America California Unemployment Benefits Litigation (Dkt. 634-26, 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. 634-26 · 2026-01-09 · Docket on CourtListener

Full text

PX25 
Case 3:21-md-02992-GPC-MSB     Document 634-26     Filed 01/09/26     PageID.53200 
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UNITED STATES DISTRICT COURT 
SOUTHERN DISTRICT OF CALI FORNIA 
I N RE BANK OF AMERICA 
CALIFORNIA UNEMPLOYMENT 
BENEFITS LITI GATION 
THIS DOCUMENT RELATES TO ALL 
ACTIONS 
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CASE NO . 
) 3 : 21-MD-02992-GPC-
) MSB 
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__________________ ) 
REMOTE VIDEOTAPED DEPOSITION OF MELISSA RAMIREZ 
TUESDAY, FEBRUARY 11, 2025 
JOB NO . : 
10157864 
REPORTED BY HEIDI FUEHRER, CSR 14145 
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Melissa Ramirez 
In Re Bank of America CA Unemployment Benefits Litigation 
VIDEOTAPED DEPOSITION OF MELISSA RAMIREZ, TAKEN ON 
BEHALF OF THE PLAINTIFFS , AT 9:35 A.M . , TUESDAY, 
FEBRUARY 11 , 2025 , AT CHARLOTTE, NORTH CAROLINA, BEFORE 
HEIDI FUEHRER, CSR NUMBER 14145 . 
APPEARANCES OF COUNSEL: 
FOR THE PLAINTIFFS AND THE PROPOSED CLASS: 
ALTSHULER BERZON LLP 
BY: 
CONNIE K. CHAN, ATTORNEY AT LAW 
---AND- - -
COLIN C. JONES , ATTORNEY AT LAW 
177 POST STREET 
SUITE 300 
SAN FRANCISCO, CALIFORNI A 94108 
415 - 362-8064 
CCHAN@ALTBER . COM 
---AND-- -
COTCHETT, PITRE & MCCARTHY , LLP 
BY: 
BRIAN DANITZ, ATTORNEY AT LAW 
---AND- - -
KARIN B. SWOPE , ATTORNEY AT LAW 
840 MALCOLM ROAD 
SUITE 200 
BURLINGAME , CALIFORNI A 94010 
6 5 0-697-6000 
BDANITZ@CPMLEGAL.COM 
www.aptusCR.com 
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Melissa Ramirez 
In Re Bank of America CA Unemployment Benefiits Litigation 
APPEARANCES OF COUNSEL (CONTINUED): 
FOR THE INDIVIDUAL PLAINTIFFS: 
SWIGART LAW GROUP, APC 
BY: 
JOSHUA B. SWIGART, ATTORNEY AT LAW 
---AND---
ILANA PLATKIEWICZ, ATTORNEY AT LAW 
2221 CAMINO DEL RIOS 
SUITE 308 
SAN DIEGO , CALIFORNIA 92108 
866-219-3343 
JOSH@SWIGARTLAWGROUP.COM 
---AND---
SHAY LEGAL, APC 
BY: 
DANIEL SHAY, ATTORNEY AT LAW 
2221 CAMINO DEL RIOS 
SUITE 308 
SAN DIEGO, CALIFORNIA 92108 
6 1 9- 222-7429 
DAN@SHAYLEGAL . COM 
FOR THE DEFENDANT: 
GOODWIN PROCTER, LLP 
BY: 
LINDSAY E. HOYLE, ATTORNEY AT LAW 
---AND-- -
ANNE BAYLY BUCK, ATTORNEY AT LAW 
620 EIGHTH AVENUE 
NEW YORK, NEW YORK 10018 
2 1 2 -813 - 8800 
LHOYLE@GOODWINLAW.COM 
ALSO PRESENT: 
MARISA RAMOS, VIDEOGRAPHER 
www.aptusCR.com 
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Melissa Ramirez 
In Re Bank of America CA Unemployment Benefits Litigation 
CHARLOTTE, NORTH CAROLINA; 
TUESDAY, FEBRUARY 11, 2025, 9 : 35 A.M . 
(Prior to the deposition commencing, 
all counsel stipulated to waive the 
reporter read on and read off pursuant 
to Federal Rul e 30 . ) 
THE VIDEOGRAPHER: 
Good morning . 
We are on the 
record. 
The time is 9 : 35 a .m. Paci fic time on 
February 11 , 2025. 
This begins the remote v i deo 
r ecorded deposition of Melissa Ramirez taken in the 
matter In Re Bank of Ameri ca California Unemployment 
Benefits Litigation filed before the united states 
District Court, Southern Di strict of California, case 
number of which is 3 : 21- md-02992-GPC-MSB. 
This 
deposition is being held virtually, and the witness is 
located in Charl ot te , North Carolina. 
Throughout the 
deposition I wil l be using Pacifi c time to read u s on 
and off the record. 
My name i s Marisa Ramos. 
I'm the videographer 
today. 
The court reporter is Heidi Fuehrer, and we are 
both here representing Aptus Court Report ing located a t 
401 West A Street , suite 1680, San Diego, California . 
www.aptusCR.com 
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Melissa Ramirez 
In Re Bank of America CA Unemployment Benefits Litigation 
Please not e t hat audio and video recording wi ll cont inue 
t o take p l ace unl ess all parti es agree to go off the 
record . 
Micr ophones are sensitive so I ask if there are 
any electronic devices around you that make noi se, such 
as notifications, t hat you please place those on silent 
or away from the microphones as that my interfere with 
the deposition audio . 
counsel , would you please state your appearance 
and affiliations for the record, after which, the court 
reporter wi ll issue a statement and swear in the 
witness . 
MS. CHAN : 
Good morning . 
Conni e Chan for clas s 
plaintiffs . 
MS . HOYLE: 
Lindsay Hoyle and Bayly Buck from 
Goodwin Procter on behal f of defendant Bank of America. 
THE COURT REPORTER : 
J ust for the record, my 
name is Heidi Fuehrer, and my license number is 14145 . 
MELISSA RAMIREZ, 
HAVING BEEN FIRST DULY SWORN BY THE REPORTER, 
WAS EXAMINED AND TESTIFIED AS FOLLOWS: 
EXAMINATION 
BY MS. CHAN: 
Q 
Thank you. 
Good morning, Ms. Ramirez. 
Thank 
www.aptusCR.com 
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Melissa Ramirez 
In Re Bank of America CA Unemployment Benefits Litigation 
you again for being here. 
As I said earlier, my name is 
Connie Chan. 
I'm one of the counsel for plai ntiffs. 
Have you had any prior names? 
A 
Yes, Melissa Gargagliano. 
Q 
And when did you change your name from Mel issa 
Gargagl iano to Melissa Ramirez? 
A 
After divorce, I'm trying -- do you need the 
exac t date of when I fi l ed or approxima te dat e ? 
Q 
Just the year is fine . 
A 
Let me t hink about it. 
I t hink t he year 
would have been 2022 or earl y 2023 when the divorce 
wa s f inalized. 
Q 
Thank you. 
A 
I could look at my driver' s l i cense i f tha t 
helps. 
Q 
No, that's not necessary. 
Thank you. 
Have you 
been deposed before? 
A 
No . 
Q 
You understand that you are testifying under 
oath and under penalty of perjury today the same as if 
you were in court? 
A 
Q 
Correct , yes . 
Thank you. 
What, if anything, did you do to 
prepare for your deposition today? 
A 
I spoke wi th Li nds ay and got a lay of the 
www.aptusCR.com 
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Melissa Ramirez 
In Re Bank of America CA Unemployment Benefits Litigation 
land on how it woul d work and the protocols, and that 
it woul d be videotaped, and I saw the notice of 
deposition, the one t hat you just put up. 
By the 
way , it looks fine. 
I think I can use the technology 
to look a t document s you are going to share. 
Q 
Great. 
And you said you met with Lindsay. 
Is 
that your counsel Lindsay Hoyle? 
for 
A 
Q 
your 
A 
Q 
A 
Q 
lawyers? 
A 
Q 
Yes. 
Did you meet with anyone else in preparation 
deposition today? 
Yes, Matt. 
Is his 
Matt Riffee? 
Riffee, yes, thank you. 
Did you meet with anyone other than your 
No. 
No non lawyers were present for your meetings 
with your lawyers? 
A 
Q 
That's correct . 
Have you spoken to anyone who has already had 
their deposition taken in this case about their 
deposition testimony? 
Nope. 
No. 
A 
Q 
Have you spoken with William Matt Martin about 
this case at all? 
www.aptusCR.com 
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'Melissa Ramirez 
A 
Q 
1ln Re Bank of America CA Unemployment Benefits Litigation 
No. 
Have you spoken with any other bank employees 
or former bank employees about this litigation? 
A 
No. 
Q 
What documents, if any, did you review to 
prepare for your testimony today? 
A 
Reviewed the notice of deposition to make 
sure that it was accurate, and I guess the 
statements, I think that was the notice of deposition 
with regard to my statements, and talked mai nly about 
the protocol and the tutorials and such. 
Q 
When you say with regard to your statements, 
can you clarify what statements you are referring to? 
A 
That I had a particular role at a particular 
time under Bank of America, and it had some other 
statements on it. • 
Q 
Are you referring to a declaration that you 
submitted in this case? 
A 
attorney. 
bu t 
That ' s what it is, yeah . 
sorry, I'm not an 
I don't know the legal -- I'm a banker, 
Q 
That's completely fine. 
I just want to make 
sure we're on the same page. 
So you reviewed the 
declaration that you had submitted in this litigation 
previously? 
www.aptusCR.com 
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STATE OF CALI FORNIA 
COUNTY OF LOS ANGELES 
ss. 
I, HEIDI FUEHRER, CSR No . 14145, in and for the 
State of Cali fornia , do hereby certify: 
That prior to being examined, the witness named 
in the foregoing deposition was by me duly sworn to 
testify to the truth, the whole truth, and nothing but 
the truth; 
That said deposition was taken down by me in 
shorthand at the time and pl ace therein named and 
thereaf ter reduced to typewriting under my direction, 
and the same is a true , correct, and complete transcript 
of said proceedings; 
That if the foregoing pertains to the original 
transcript of a deposition in a Federal Case, before 
completion of the proceedings , review of the transcript 
{ 
} Was { X } was not required . 
I further certify that I am not interested in 
the event of the action . 
2025 . 
Wi tness my hand this 12th day of February, 
Cert ified Shorthand Reporter 
for the State of California 
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..,· --
In re fl1111k 1'.f Amrrirn C11/ijnrui11 l/11c•111pl"y11w11/ IJmefits I.IIIJ:allo11 
('nw 
11. 3:2/-Ml>-112992-1.AIJ-/\fSJJ 
/:'rmtn Slt,•1•1 for Fl'hruary I I . 2015 Dq1miti/lll 1'.f Melfn·11 R11111lre, 
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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 my testimony, and request and 
authorize that th is Errata Sheet be appended to the transcri pl of my testimony and be incorporated therein. 
M-
F.xecutcd this Ji day of March, 2025. 
Melissa Ramirez 
2 
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