N.D. Cal. · No. 5:26-cv-08105
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| Matter | Type | Practice area | Court | Date | Value |
|---|---|---|---|---|---|
| JPMorgan Chase Bank, N.A.source ↗ filed by SMN Law Apc · Judge Nathanael M. Cousins · No. 5:26-cv-08105 · 15:1693 (ef) - Electronic Funds Transfer Act · view case timeline → Comparable settlements –$7.40M ▾Minano v. DLJ Mortgage shows FCRA furnisher claims often dismissed for lack of private right of action or insufficient pleading, while Askins v. CRST shows bare statutory violations can survive standing challenges. Outcome likely hinges on which specific FCRA/FDCPA provision is pled and whether concrete injury is alleged. Comparable settlements –$7.40M median $2.23M · n=8 Trader Joe's $7.40M · Xactus $2.40M · RentGrow $2.25M Per member (realized): ~$301 median · $102–$500 (n=2) Comparable verdict: TransUnion, LLC $40M Key precedent: Minano v. DLJ Mortgage Capital - most factually similar (FCRA furnisher claims vs. financial institution), shows courts routinely narrow claims at MTD stage. Main risk: Dismissal of core FCRA counts for lack of private right of action or failure to plead furnisher duty specifics, as in Minano. This defendant: Chase has at least one prior consumer settlement (Rotondo), suggesting willingness to settle rather than litigate to trial. Rough EV model (wide — class size is the big unknown, not a prediction): $200K–$62.50M Small, heterogeneous comparable set (mostly non-FCRA state rulings); true class size and per-member figure highly sensitive to specific claim mechanics not yet disclosed. · grounded in 10 rulings, 8 settlements, 1 verdicts | Filing | Consumer Credit (FCRA/FDCPA) | N.D. Cal. | 2026-08-04 | –$7.40M comparable settlements |