Arianas v. LVNV Funding LLC

54 F. Supp. 3d 1308, 2014 U.S. Dist. LEXIS 153172, 2014 WL 5393607
CourtDistrict Court, M.D. Florida
DecidedOctober 10, 2014
DocketCase No. 8:14-cv-01531-T-27-EAJ
StatusPublished
Cited by6 cases

This text of 54 F. Supp. 3d 1308 (Arianas v. LVNV Funding LLC) is published on Counsel Stack Legal Research, covering District Court, M.D. Florida primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Arianas v. LVNV Funding LLC, 54 F. Supp. 3d 1308, 2014 U.S. Dist. LEXIS 153172, 2014 WL 5393607 (M.D. Fla. 2014).

Opinion

ORDER

JAMES D. WHITTEMORE, District Judge.

BEFORE THE COURT is Defendant LVNV Funding, LLC’s Motion to Dismiss Plaintiffs Complaint (Dkt. 9), and Plaintiffs response (Dkt. 10). Upon consideration, the motion is GRANTED.

Background

Plaintiff brought this action alleging violations of the Florida Consumer Collection Practices Act (“FCCPA”), Fla. Stat. § 559.55 et seq., and the Fair Credit Reporting Act (“FCRA”), 15 U.S.C. § 1681 et seq., stemming from a disputed debt and Defendant’s reporting that debt to credit reporting agencies (Dkt. 2).

Defendant allegedly acquired Plaintiffs credit accounts from Washington Mutual and GE Money Bank (“GE”) on or about September 23, 2011. Id. at ¶ 16. Plaintiff allegedly paid off the credit account with Washington Mutual in 2008 and requested Chase Bank, USA (“Chase”) to close the account with no balance in September of 2008, after Chase’s acquisition of Washington Mutual Id. at ¶ 12. Additionally, Plaintiff allegedly paid off his account with GE, a promotional line of credit, in 2008. Id. at ¶ 14-15.

Since Defendant acquired the accounts in September of 2011, it furnished negative reports regarding those accounts to consumer credit reporting agencies Experian, Equifax, and TransUnion more than four times in 2013. Id. at ¶ 17, 28-29, 32, 35-39. After becoming aware of the negative reports by Defendant, Plaintiff filed disputes with Defendant and the three credit reporting agencies. Id. at ¶47, 69. Defendant found Plaintiffs disputes unsubstantiated and refused to retract the negative reports. Id. at ¶ 59-60.

[1310]*1310Standard op Review-

A complaint should contain a “short and plain statement of the claim showing that the pleader is entitled to relief.” Fed. R. Civ. Pro. 8(a)(2). This Rule does not require detailed factual allegations, but a plaintiffs complaint must contain more than unadorned or conclusory accusations of harm. Ashcroft v. Iqbal, 556 U.S. 662, 678, 129 S.Ct. 1937, 173 L.Ed.2d 868 (2009). The complaint must “plead all facts establishing an entitlement to relief with more than ‘labels and conclusions’ or a ‘formulaic recitation of the elements of a cause of action.’ ” Resnick v. AvMed, Inc., 693 F.3d 1317, 1324 (11th Cir.2012) (quoting Bell Atl. Corp. v. Twombly, 550 U.S. 544, 555, 127 S.Ct. 1955, 167 L.Ed.2d 929 (2007)). “A claim has facial plausibility when the plaintiff pleaded factual content allows the court to draw the reasonable inference that the defendant is liable for the misconduct alleged.” Iqbal, at 678, 129 S.Ct. 1937 (citing Twombly, 550 U.S. at 556, 127 S.Ct. 1955).

All of the factual allegations in a complaint must be accepted as true for the purposes of a motion to dismiss but this tenet is “inapplicable to legal conclusions.” Id. at 678, 127 S.Ct. 1955. “While legal conclusions can provide the framework of a complaint, they must be supported by factual allegations.” Id. at 679, 127 S.Ct. 1955. All reasonable inferences must be drawn in the plaintiffs favor. St. George v. Pinellas Cnty., 285 F.3d 1334, 1337 (11th Cir.2002).

Discussion

A. Florida Consumer Collection Practices Act (“FCCPA”)

Defendant argues that Plaintiffs request for statutory damages in the amount of $1,000 per violation of the FCCPA must be dismissed because the statutory language of the FCCPA does not permit such an award. The relevant part of the FCCPA states “any person who fails to comply with any provision of § 559.72 is liable for actual damages and for additional statutory damages as the court may allow, but not exceeding $1,000, together with court costs and reasonable attorney’s fees incurred by the Plaintiff.” Fla. Stat. § 559.77(2) (2014). Defendant interprets this provision as limiting Plaintiffs claim for statutory damages to $1,000 per action, not per violation.

Defendant’s interpretation of the FCCPA’s statutory damages clause is consistent with interpretations of the FCCPA by Florida courts. Two Florida courts have held that $1,000 is the maximum a plaintiff may be awarded per action. See Baldwin v. Regions Financial Corp., 98 So.3d 1210, 1213 (Fla.Dist.Ct.App.3d 2012) (“the additional statutory damages are capped at $1,000”); Peters v. Collision Clinics Intern., Inc., 404 So.2d 116, 117 (Fla.Dist.Ct.App.4th 1981) (holding that language of FCCPA statute did not permit statutory damages to be awarded per violation and that legislature could have chosen to use such language if it intended to provide that relief).

Further, while the Eleventh Circuit has not expressly addressed this issue, U.S. District Courts in Florida have either expressly stated that the FCCPA limits statutory damages to $1,000 per action or awarded plaintiffs no more than $1,000 per action, even when a series of FCCPA violations exist. See Tacoronte v. Tate & Kirlin Associates, No. 6:13-CV-331-Orl-37DAB, 2013 WL 5970720, at *2 (M.D.Fla. Nov. 8, 2013) (holding “courts properly decline to multiply the $1,000 statutory award by each violation alleged in a single count under the FCCPA”); Smith v. Royal Oak Financial Services, Inc., No. 3:11—CV-543-J-34JRK, 2012 WL 3290153, at *5 (M.D.Fla. June 18, 2012) (awarding a [1311]*1311plaintiff $1,000 as the “maximum award of statutory damages” under the FCCPA and Fair Debt Collection Practices Act (“FDCPA”)).

Finally, Plaintiff argues if the FCCPA does not permit a statutory award of $1,000 per violation, FDCPA statutory damages should be awarded under the FCCPA provision that states, “In the event of any inconsistency between any provision of this part and any provision of the [FDCPA], the provision which is more protective of the consumer or debtor shall prevail.” Fla. Stat. § 559.552 (2014). Plaintiffs interpretation is unpersuasive, as “the FDCPA clearly states that additional damages ‘in the case of any action by an individual’ [shall not exceed] $1,000.” Harper v. Better Business Services, Inc., 961 F.2d 1561 (11th Cir.1992) (quoting 15 U.S.C. § 1692k(a)(2)(A)).

Neither the FCCPA nor the FDCPA permits Plaintiff to recover statutory damages in the amount of $ 1,000 per violation.

Defendant’s Motion to Dismiss is therefore granted to the extent that each claim is limited to $1,000 in statutory damages under the FCCPA.

B. Fair Credit Reporting Act (“FCRA”)

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54 F. Supp. 3d 1308, 2014 U.S. Dist. LEXIS 153172, 2014 WL 5393607, Counsel Stack Legal Research, https://law.counselstack.com/opinion/arianas-v-lvnv-funding-llc-flmd-2014.