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Estrada v. Wells Fargo Bank, N.A.

S.D. Cal. · No. 3:26-cv-05833

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Our records for this case (1)

MatterTypePractice areaCourtDateValue
Wells Fargo Bank, N.A.source ↗
filed by BLC Law Center, APC · Judge Jinsook Ohta · No. 3:26-cv-05833 · 47:227 Restrictions of Use of Telephone Equipment · view case timeline →
Comparable settlements $29.50M–$76M ▾
TCPA theories split sharply in comparables: Howard v. RNC and Hulce v. Zipongo affirm dismissals on narrow statutory text/solicitation definitions, while League of Women Voters v. Kramer survived MTD on robocall standing. The class definition here (loan-mod error letters/cashier's checks) doesn't clearly allege robocalls/texts, raising threshold pleading risk.
Comparable settlements $29.50M–$76M median $36.20M · n=10
Caribbean Cruise L $76M · Dish Network $61M · US Coachways $49.90M
Per member (realized): ~$20 median · $10–$500 (n=4)
Comparable verdict: Dish Network, L.L.C. $61M · ccAdvertising and Dr $32.42M
Class (from complaint): All consumers across the country who received letters from Wells Fargo indicating an error related to approved and finalized loan modifications and were sent ca
Key precedent: Howard v. RNC (9th Cir.) — narrows TCPA to calls beginning with prerecorded voice, risking dismissal if WF's contact method doesn't fit.
Main risk: Theory-class mismatch: complaint describes loan-mod letters/checks, not robocalls, inviting dismissal like Howard and Hulce.
This defendant: Wells Fargo faces repeat TCPA filing (Allen v. WF) and prior $80M+$19.5M fee-related settlements, showing litigation exposure pattern.
Rough EV model (wide — class size is the big unknown, not a prediction): $50K–$3.75M
Class definition doesn't match TCPA theory; figures highly speculative given apparent data mismatch and small comparable sample. · grounded in 10 rulings, 10 settlements, 3 verdicts
FilingRobocalls & Texts (TCPA)S.D. Cal.2026-10-11$29.50M–$76M
comparable settlements