California Court of Appeal

Application of Kruger v. Wells Fargo Bank (1974) 11 Cal.3d 352 to prohibit defendant bank from collecting for overdrafts and fees by debiting directly deposited Social Security and other public benefit payments is reversed as this application of Kruger is an extension of its holding that is unwarranted in light of significant differences between the banker's setoff addressed in Kruger and the facts of this case.

Appellate Information

• Decided 11/20/2006
• Published 11/20/2006

Judges

• SIGGINS, J.

Court

• California Court of Appeal

Counsel

• For Appellant:
  
• The Sturdevant Law Firm, James C. Sturdevant, Mark T. Johnson, Monique Olivier, Law Offices of Thomas J. Brandi, Thomas J. Brandi, Brian J. Malloy, San Francisco, for Plaintiffs and Appellants., Barbara Jones, Rochelle Bobroff, Michael Schuster, AARP Foundation Litigation., Gerald McIntyre, Los Angeles, Deanne Loonin, for amicus curiae National Senior Citizens Law Center, on behalf of plaintiffs and appellants., Margot Saunders, for amicus curiae National Consumer Law Center, on behalf of plaintiffs and appellants., Eric Halperin, Kathleen Keest, Amanda Quester, for amicus curiae Center for Responsible Lending, on behalf of plaintiffs and appellants., Bramson, Plutzik, Mahler & Birkhaeuser, Robert M. Bramson, Walnut Creek, for amicus curiae National Association of Consumer Advocates, on behalf of plaintiffs and appellants., Bill Lockyer, Attorney General of the State of California, Richard M. Frank, Chief Deputy Attorney General, Tom Greene, Chief Assistant Attorney General, Herschel T. Elkins, Special Assistant Attorney General, for Amici Curiae on behalf of Plaintiffs and Appellants.


• For Appellees:
  
• Marc A. Lackner, Associate General Counsel, Bank of America, N.A., O'Melveny & Myers, Walter Dellinger, Debra S. Belaga, Matthew D. Roberts, Calvo & Clark, Arne D. Wagner, Morrison & Foerster, Arturo J. Gonzalez, San Francisco, for Defendant and Appellant., Coblentz, Patch, Duffy & Bass, Jonathan R. Bass, Susan K. Jamison, San Francisco, for amici curiae California Bankers Association and California Credit Union League, on behalf of defendant and appellant., Arnold & Porter, Laurence J. Hutt, Los Angeles, Howard N. Cayne, Nancy L. Perkins, for amici curiae American Bankers Association, America's, Community Bankers, Consumer Bankers Association, The Financial Services Roundtable and Independent Community, Bankers of America, on behalf of defendant and appellant., Peter D. Keisler, Assistant Attorney General, Kevin V. Ryan, United States Attorney, William Kanter, Howard S. Scher, Thomas M. Bondy, for Amici Curiae on behalf of Defendant and Appellant.