Court filing
Exhibit PX31 — In re Bank of America California Unemployment Benefits Litigation (Dkt. 634-32, 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. 634-32 · 2026-01-09 · Docket on CourtListener
Full text
. PX31 Case 3:21-md-02992-GPC-MSB Document 634-32 Filed 01/09/26 PageID.53550 Page 1 of 20 IN THE UNI TED STATES DISTRICT COURT SOUTHERN DISTRICT OF CALIFORNI A IN RE: BANK OF AMERICA CALI FORNIA UNEMPLOYMENT BENEFITS LITIGATION Case No. 3:21 - rnd-02992 - GPC- MSB REMOTE VIDEOTAPED DEPOSITION OF PAMELA ANN JOSEPH May 12 , 2025 11:11 a.rn. (Al l a t tendees appeared remot ely via teleconferencing and/or v ideoconferencing.) Elizabeth R. Hol lings worth, CCR B- 1319 Job No.: 10163 119 Case 3:21-md-02992-GPC-MSB Document 634-32 Filed 01/09/26 PageID.53551 Page 2 of 20 Pamela Ann Joseph In Re Bank of America CA Unemployment Benefits Litigation APPEARANCES OF COUNSEL On behalf of the Pl aintiffs : CONNIE K. CHAN, Esquire COLIN C. JONES, Esquire Al tshuler Berzon, LLP 177 Post Street Suite 300 San Francisco, California 415.421.7151 cchan@altber.com c j ones@altber.com on behalf of Bank of America, N .A.: YVONNE w. CHAN, Esquire VICTORIA PETRIMOULX, Esquire Jones Day 100 High Street 21st Floor Boston, Massachusetts 02110 617 . 960 . 3939 ychan@j onesday . com vpetrimoulx@jonesday.com on behalf of Individual Plaintiffs : JOSHUA B . SWIGART , Esquire Swigart Law Group, APC 2221 Camino Del Rio S Suite 308 San Diego, California 92108 866 . 219 . 3343 josh@swigartlawgroup.com Videographer: Cole Holland www.aptusCR.com Case 3:21-md-02992-GPC-MSB Document 634-32 Filed 01/09/26 PageID.53552 Page 3 of 20 Pamela Ann Joseph In Re Bank of America CA Unemployment Benefits Litigation (REPORTER'S NOTE : To the greatest extent possible, this t ranscript is an exact record of the above-referenced videotaped deposition. So that the attorneys and part ies may rely on the transcript t o accurately forecast the actual videotape , a l l words, including f a l se starts, misst atements, and questions later stricken by the questioning a ttorney, have been included. Onl y those portions of the proceedings which were specifically designated as off- the - record discussions have been omitted. ) www.aptusCR.com Case 3:21-md-02992-GPC-MSB Document 634-32 Filed 01/09/26 PageID.53553 Page 4 of 20 Pamela Ann Joseph In Re Bank of America CA Unemployment Benefits Litigation Remote Videotaped Depos iti on of Pamela Ann Joseph May 12 , 2025 THE VIDEOGRAPHER: We are now on the record. Today ' s date is May 12th, 2025 , and the time is 11 : 11 a.m . This is the remote video depositi on of Pamela J oseph via Zoom video conference being taken in the matter of In Re : Bank of America Cali for nia , Unempl oymen t Benefits Litigation on behal f of the Plaintiff. This is pending in the United States District Court , Southern Distri ct of California . This i s case No . 3 : 21 - md-02992-GPC- MSB. The witness is appearing remotely from Boston, Massachusetts. My name is Cole Holland appearing for Aptus court Reporting located at 401 West A Street , suite 1680 , San Diego, California 92101 . I 'm the official videographer, and t h i s is the only authorized video recordi ng of this deposition . The audio and video recording wi ll take place at all times unl ess al l counsel agree to go off the record . Wi ll counsel please i dent ify yoursel ves and s t ate whom you repr esent starting with the noticing attorney? www.aptusCR.com Case 3:21-md-02992-GPC-MSB Document 634-32 Filed 01/09/26 PageID.53554 Page 5 of 20 Pamela Ann Joseph In Re Bank of America CA Unemployment Benefits Litigation MS. CONNIE CHAN : Good morning. Connie Chan of Al tshuler Berzon on behalf of the Pla intiffs . MS. YVONNE CHAN: Good morning . This is Yvonne Chan from Jones Day on behalf of the Defendant and the wi t ness. And also with me today is my associate Victoria Petrimoulx also from Jones Day. Thank you. THE VIDEOGRAPHER: today is Libby Hollingsworth . The court report er And she may now swea r in or affirm the deponent. PAMELA ANN JOSEPH, being first duly sworn, was examined and testified as fol lows: CROSS- EXAMINATION BY MS. CONNIE CHAN: Q Good morning, Ms. Joseph . We met just a moment ago. Again, my name is Connie Chan, and I represent the Plaintiffs i n this action. Thank you very much for being here today . You are here today because you were retained a s an exper t by Bank of America's attorneys in this matter; correct? A Correc t . Q Have you been deposed before? www.aptusCR.com Case 3:21-md-02992-GPC-MSB Document 634-32 Filed 01/09/26 PageID.53555 Page 6 of 20 Case 3:21-md-02992-GPC-MSB Document 634-32 Filed 01/09/26 PageID.53556 Page 7 of 20 Case 3:21-md-02992-GPC-MSB Document 634-32 Filed 01/09/26 PageID.53557 Page 8 of 20 Case 3:21-md-02992-GPC-MSB Document 634-32 Filed 01/09/26 PageID.53558 Page 9 of 20 Case 3:21-md-02992-GPC-MSB Document 634-32 Filed 01/09/26 PageID.53559 Page 10 of 20 Case 3:21-md-02992-GPC-MSB Document 634-32 Filed 01/09/26 PageID.53560 Page 11 of 20 Case 3:21-md-02992-GPC-MSB Document 634-32 Filed 01/09/26 PageID.53561 Page 12 of 20 Case 3:21-md-02992-GPC-MSB Document 634-32 Filed 01/09/26 PageID.53562 Page 13 of 20 Case 3:21-md-02992-GPC-MSB Document 634-32 Filed 01/09/26 PageID.53563 Page 14 of 20 Case 3:21-md-02992-GPC-MSB Document 634-32 Filed 01/09/26 PageID.53564 Page 15 of 20 Case 3:21-md-02992-GPC-MSB Document 634-32 Filed 01/09/26 PageID.53565 Page 16 of 20 COURT REPORTER CERTIFICATE STATE OF GEORGIA: COUNTY OF DEKALB: I hereby certify that the foregoing transcript was taken down, as stated in the caption, and the proceedings were redu ced to typewriting under my direction and control; that the foregoing pages represent a true, complete, and correct transcript of the ev idence g i ven upon said deposition; and I further certify that I am not of kin or c ounsel t o the parti e s in the case; am not in the empl oy of counsel for any of said parties ; nor am I in any way interested in the result of said case. This, the 28th day of May, 2025. Elizabeth R. Hollingsworth, CCR B- 1319 Case 3:21-md-02992-GPC-MSB Document 634-32 Filed 01/09/26 PageID.53566 Page 17 of 20 Case 3:21-md-02992-GPC-MSB Document 634-32 Filed 01/09/26 PageID.53567 Page 18 of 20 Case 3:21-md-02992-GPC-MSB Document 634-32 Filed 01/09/26 PageID.53568 Page 19 of 20 Case 3:21-md-02992-GPC-MSB Document 634-32 Filed 01/09/26 PageID.53569 Page 20 of 20
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