Bautista

facts to constitute a cause of action for negligent misrepresentation or UCL violation. We affirm.

1All statutory references are to the Business and Professions Code unless otherwise stated.

FACTS AND PROCEDURAL BACKGROUND

In 2002, CitiMortgage's predecessor loaned Bautista $284,000 to purchase a residence located at 1384 Egret Avenue in Ventura. The debt was secured by a deed of trust on the property. Bautista was unable to make the loan payments, and a notice of default in the amount of $12,793.13 was recorded in November 2010. At Bautista's request, CitiMortgage agreed to provide her with a forbearance agreement if she paid $6,000. When CitiMortgage refused any further forbearance requests, Bautista filed an action against it. Bautista voluntarily dismissed the action in September 2012 and decided to pursue a loan modification instead. On December 18, 2012, CitiMortgage sent Bautista a letter stating she had until January 17, 2013, to provide certain additional documents supporting her loan modification request. Two days later, CitiMortgage acknowledged receipt of the requested documents. Bautista alleges a CitiMortgage representative assured her that "[w]hile you…