1

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

SCOTT J. SAGARIA (BAR # 217981)

ELLIOT W. GALE (BAR #263326)

JOE B. ANGELO (BAR #268542)

SCOTT M. JOHNSON (BAR #287182)

SAGARIA LAW, P.C.

2033 Gateway Place, 5

th Floor 

San Jose, CA 95110

408-279-2288 ph

408-279-2299 fax

Attorneys for Plaintiff

UNITED STATES DISTRICT COURT

NORTHERN DISTRICT OF CALIFORNIA – SAN JOSE DIVISION

 CASE NO. 

PLAINTIFF’S COMPLAINT FOR DAMAGES:

1. Violation of the Rosenthal Fair Debt 

Collection Practices Act

2. Violation of the Telephone Consumer 

Protection Act

Veronica Reinhardt,

Plaintiff,

v.

Credit Acceptance and DOES 1 through 

100 inclusive,

Defendants.

COMES NOW Plaintiff Veronica Reinhardt, an individual, based on information and 

belief, to allege as follows: 

INTRODUCTION

1. This is an action for damages brought by an individual consumer for Defendant’s 

violations of the Rosenthal Fair Debt Collection Practices Act, Cal. Civ. Code §1788, et seq. 

(hereinafter “Rosenthal Act”), which prohibits debt collectors from engaging in abusive, 

deceptive, and unfair practices and violation of the Telephone Consumer Protection Act 47

U.S.C. §227, et seq. (hereinafter “TCPA”), which prohibits the use of automated dialing 

equipment when making calls to consumers. 

Case 5:17-cv-00295-NC Document 1 Filed 01/20/17 Page 1 of 6
2

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

2. Plaintiff brings this action against Defendant Credit Acceptance (hereinafter “Credit 

Acceptance” or “Defendant”) for its abusive and outrageous conduct in connection with debt 

collection activity. 

3. In Calif. Civil Code § 1788.1(a)-(b), the California Legislature made the following 

findings and purpose in creating the Rosenthal Act:

(a)(1) The banking and credit system and grantors of credit to consumers are dependent 

upon the collection of just and owing debts. Unfair or deceptive collection practices 

undermine the public confidence which is essential to the continued functioning of the 

banking and credit system and sound extensions of credit to consumers. 

(2) There is need to ensure that debt collectors and debtors exercise their 

responsibilities to another with fairness and honesty and due regard or the rights of the 

other. 

(b) It is the purpose of this title to prohibit debt collectors from engaging in unfair or 

deceptive acts of practices in the collection of consumer debts and to require debtors to 

act fairly in entering into and honoring such debts, as specified in this title. 

4. While may violations are described below with specificity, this Complaint alleges 

violations of the statutes cited in their entirety. 

5. The TCPA was designed to prevent calls like the ones described herein, and to protect 

the privacy of citizens like Plaintiff, and by enacting the TCPA, Congress intended to give 

consumers a choice as to how corporate entities may contact them and to prevent the nuisance 

associated with automated or prerecorded calls. 

JURISDICTION & VENUE

6. This Court has jurisdiction under 28 U.S.C. §§ 1331, 1337, and 1367, and 47 U.S.C. § 

227.

7. This venue is proper pursuant to 28 U.S.C. §1391(b). 

GENERAL ALLEGATIONS

8. Plaintiff Veronica Reinhardt (hereinafter “Plaintiff”) is an individual residing in the 

state of California, and is a “debtor” as defined by Cal. Civ. Code §1788.2(g). 

9. At all relevant times herein, Defendant Credit Acceptance was a company engaged, by 

the use of mail, email, and telephone, in the business of collecting a debt from Plaintiff, and a 

“consumer debt,” as defined by Cal. Civ. Code §1788.2(f). 

Case 5:17-cv-00295-NC Document 1 Filed 01/20/17 Page 2 of 6
3

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

10. At all relevant times, Defendant acted as a “debt collector” within the meaning of Cal. 

Civ. Code §1788.2(c) 

11. Plaintiff had taken out an unsecured loan with Credit Acceptance on or about 

September of 2015. 

12. The loan Plaintiff took from Defendant Credit Acceptance was extended primarily for 

personal, family or household purposes and is therefore a “debt” as that terms is defined by the 

Calif. Civil Code § 1788.2(d) of the Rosenthal Act. 

13. Defendant Credit Acceptance has been attempting to collect on a debt that originated 

from monetary credit that was extended primarily for personal, family, or household purposes, 

and was therefore a “consumer credit transaction” within the meaning of Calif. Civil Code § 

1788.2(3) of the Rosenthal Act. 

14. Because Plaintiff, a natural person allegedly obligated to pay money to Defendant 

Credit Acceptance arising from what Plaintiff is informed and believes was a consumer credit 

transaction, the money allegedly owed was a “consumer debt” within the meaning of 

California Civil Code § 1788.2(f) of the Rosenthal Act. 

15. Plaintiff is informed and believes that Defendant is one who regularly collects or 

attempts to collect debts on behalf of themselves, and is therefore a “debt collector” within the 

meaning of the Calif. Civil Code § 1788.2(c) of the Rosenthal Act, and thereby engages in 

“debt collection” within the meaning of the California Civil Code § 1788.2(b) of the Rosenthal 

Act, and is also therefore a “person” within the meaning of California Civil Code § 1788.2(g) 

of the Rosenthal Act. 

16. Plaintiff’s account was an unsecured loan and Plaintiff began making payments on the 

accounts. 

17. Plaintiff began making payments on the loan before she became financially unable to 

keep up with the monthly payments.

18. Defendant Credit Acceptance began contacting Plaintiff in June of 2016 to inquire 

about the status of the loan and to collect on the payments that were no longer being made. 

19. Plaintiff retained counsel to assist in dealing with Credit Acceptance’s debt and to seek 

some type of financial relief. 

Case 5:17-cv-00295-NC Document 1 Filed 01/20/17 Page 3 of 6
4

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

20. Counsel for Plaintiff sent Defendant Credit Acceptance a letter confirming 

representation of Plaintiff and that Defendant was to no longer contact Plaintiff directly and 

that all calls/letters/collection efforts were to no longer be directed at Plaintiff.

21. Counsel for Plaintiff sent the letter of representation to Credit Acceptance on or about 

August 24, 2016. 

22. Plaintiff informed Credit Acceptance that she was revoking her consent to be called on 

her telephone on or about August 24, 2016.

23. Defendant Credit Acceptance continued to contact Plaintiff between approximately 

September 13, 2016 – present; the type of contact was through phone calls to Plaintiff using an 

automatic dialing machine.

24. Plaintiff was contacted by Credit Acceptance by an automatic dialing machine

regarding non-payment of the debt owed to Credit Acceptance despite Credit Acceptance being 

notified that Plaintiff had retained counsel to deal specifically with the debt. 

25. Credit Acceptance’s calls were frequent in nature and continued despite receiving 

written confirmation that Plaintiff was represented by an attorney. 

FIRST CAUSE OF ACTION

(Violation of the Rosenthal Act)

(Cal. Civ. Code §§ 1788-1788.32)

(Against Defendants and Does 1-100)

26. Plaintiff realleges and incorporates herein the allegation in each and every paragraph 

above as though fully set forth herein.

27. Plaintiff provided written notice that she was represented by sending Defendant a letter 

with the name, address, and contact information of her attorney and informed Defendant that she 

was represented. 

28. Defendant continued to call and attempt to make contact with Plaintiff despite receiving 

notice of representation and being informed that Plaintiff had retained counsel in an effort to deal 

with the debt that was owed to Defendant. 

29. The calls and communications made by Defendant to Plaintiff were not related to 

statements of Plaintiff’s account and were attempts to collect a debt. 

30. Plaintiff received frequent calls from Credit Acceptance from at least September 13, 

2016 – present.

Case 5:17-cv-00295-NC Document 1 Filed 01/20/17 Page 4 of 6
5

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

31. Defendant violated Cal. Civ. Code §1788.14 by contacting Plaintiff after receiving 

noticed that Plaintiff had retained an attorney. 

SECOND CAUSE OF ACTION 

(Violation of the TCPA) 

(47 USC § 227)

(Against Defendants and Does 1-100)

32. Plaintiff realleges and incorporates herein the allegation in each and every paragraph 

above as though fully set forth herein.

33. Since at least about September 13, 2016 Defendant started calling Plaintiff’s cellular 

telephone requesting that payment be made on the accounts Plaintiff held with Defendant. 

34. Plaintiff informed Defendant that she was revoking consent to be contacted by Credit 

Acceptance on August 24, 2016. 

35. Credit Acceptance called Plaintiff at least four separate times since Plaintiff withdrew 

her consent to be contacted by an automatic dialing machine. 

36. Defendant would contact Plaintiff regularly regarding payment on the accounts. 

37. Defendant placed the above cited calls using an artificial or prerecorded voice to deliver 

the collection messages without Plaintiff’s prior express consent. 

38. All calls placed by Defendant to Plaintiff utilized an “automatic telephone dialing 

system” as defined by 47 U.S.C. §227(a)(1). 

39. These calls were made to Plaintiff’s cellular telephone and were not calls for an 

emergency purposed as defined by 47 U.S.C. §227(b)(1)(B). 

40. These telephone calls by Defendant, or its agent, violated 47 U.S.C. §227(b)(1)(B). 

PRAYER FOR RELIEF

WHEREFORE, Plaintiff prays for judgment as follows:

a. An award of actual damages pursuant to California Civil Code §1788.30(a), as 

will be proven at trial, which are cumulative and in addition to all other 

remedies provided for in any other cause of action pursuant to California Civil 

Code §1788.32.

b. An award of statutory damages of $1,000.00 pursuant to Cal. Civ. Code 

§1788.30(b), which are cumulative and in addition to all other remedies 

provided for in California Civil Code §1788.32; and

c. An award of costs of litigation and reasonable attorney’s fees pursuant to Cal. 

Case 5:17-cv-00295-NC Document 1 Filed 01/20/17 Page 5 of 6
6

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

Civ. Code §1788.30(c).

d. An award of statutory damages of $1,500.00 pursuant to 47 U.S.C. 

§227(b)(3)(C) for each and every violation. 

e. Pursuant to 47 U.S.C. §227(b)(3)(A), injunctive relief prohibiting such conduct 

in the future. 

SAGARIA LAW, P.C.

Dated: January 20, 2017 By: /s/ Scott Johnson

Scott Sagaria, Esq.

Scott Johnson, Esq.

Attorneys for Plaintiff

DEMAND FOR JURY TRIAL

Plaintiff hereby demands trial of this matter by jury.

SAGARIA LAW, P.C.

Dated: January 20, 2017 /s/ Scott Johnson

Scott Sagaria, Esq.

Scott Johnson, Esq.

Attorneys for Plaintiff

Case 5:17-cv-00295-NC Document 1 Filed 01/20/17 Page 6 of 6