SAN DIEGO - A couple have not shown that their lender operated the type of "dual tracking" required to support their California unfair competition law (UCL) claim, an appeals court held in an opinion published Sept. 17 (Henry Aspiras, et al. v. Wells Fargo Bank N.A., No. D061449, Calif. App., 4th Dist., Div. 1; 2013 Cal. App. LEXIS 739).