Azubuko v. MBNA America Bank

396 F. Supp. 2d 1, 63 Fed. R. Serv. 3d 405, 2005 U.S. Dist. LEXIS 24866, 2005 WL 2767149
CourtDistrict Court, D. Massachusetts
DecidedOctober 20, 2005
DocketCIV.A.05-11777-REK
StatusPublished
Cited by15 cases

This text of 396 F. Supp. 2d 1 (Azubuko v. MBNA America Bank) is published on Counsel Stack Legal Research, covering District Court, D. Massachusetts primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Azubuko v. MBNA America Bank, 396 F. Supp. 2d 1, 63 Fed. R. Serv. 3d 405, 2005 U.S. Dist. LEXIS 24866, 2005 WL 2767149 (D. Mass. 2005).

Opinion

Memorandum and Order

KEETON, Senior District Judge.

I. Pending Matters

Pending for decision are matters related to the following filings:

(1) Defendant Experian Information Solutions, Inc.’s Motion to Dismiss or, in the Alternative, Motion for More Definite Statement (Docket No. 6, filed February 28,2005);

*2 (2) Defendant MBNA America Bank’s Motion to Dismiss (Docket No. 13, filed April 13, 2005); and

(3) Plaintiffs Motion for Summary-Judgment (Docket No. 18, filed May 11, 2005).

II. Factual Background and Procedural History

Plaintiff Chukwuma E. Azubuko a/k/a Chukwu E. Azubuko and Azubuko Chukwu initially filed this suit in the Eastern District of Tennessee at Knoxville on January 21, 2005 against MBNA America Bank (“MBNA”), a Delaware corporation, and Experian Information Solutions, Inc. (“Ex-perian”), a corporation with its principal place of business in Texas. (Docket No. 2.) It is unclear what plaintiff alleges is the reason for this suit. From piecing together his incoherent complaint, it seems that plaintiff had two MBNA credit cards, one with a credit limit of $800 since 1996 (“first card”) and another with a credit limit of $4500 since 2002 (“second card”). (Id.) Plaintiff alleges that the second card was cancelled “[wjithout any form of information” after MBNA received accurate, negative credit information from Experian. (Id.) Plaintiff states that MBNA “rightfully cancelled the credit line” based on this information but that Experian should have investigated the negative credit information before it reported it to MBNA since the credit information was based on repayment of a school loan that he tried to pay but his two payments that he sent or tried to make to the school loan were rejected. (Id.) It is unclear what happened to the credit line of the first card since plaintiff does not explain if or why it was cancelled in his complaint.

Plaintiff argues that if he had used his credit card, he could have been criminally charged and thus, he could have brought “malicious prosecution” charges against authorities. (Id.) Plaintiff also alleges some sort of contract claim based on un-conscionability, unjust enrichment, and inequality of bargaining power; an intentional infliction of emotional distress claim; a claim under the Civil Rights Act; and a due process claim. (Id.) Plaintiffs complaint, however, possibly attempts to state other claims since the entire complaint is incomprehensible. The complaint (i) launches seven counts against defendants that do not state the legal basis or source of law for any cause of action, (ii) is full of irrelevant legal terms, (iii) is conflated with legal jargon, (iv) contains irrelevant quotes from Shakespeare, and (v) is riddled with unintelligible phrases and riddles. For example, count one alleges that

“the [pjlaintiff would like to establish jurisdiction, so that the [djefendant would not waste invaluable time motioning timelessly under the color of the Fed.R.Civ.P. 12 these and those... The Court’s jurisdiction was foursquare and venue brilliantly existed too...”

(Docket No. 2.) Count two alleges that:

Of course, the manners the [djefendants acted typified abuse of discretion, uncon-scionability or unjust enrichment and inequality of bargaining power.

(Id.) Count three alleges that

[tjhe [djefendant (2) and its phalanxes had been a devil in the [pjlaintiff s blood or they had continuously and foolishly exposed the [pjlaintiff to financial nightmare. Glory, the time of reckoning had come!...

(Id.) Count four alleges that

The [pjlaintiff had been timelessly mulct[ed] or penalized even when he dropped payment two or three-day [sic] before the deadline.

(Id.) Count five alleges that

[Tjhe extension of overdraft without request or knowledge of the [pjlaintiff or *3 unilaterally amounted to commercial immorality.

(Id.) Count Six alleges that

Burger King-like or unexpected unreasonable action would not be without palpable consequences... Meeting of the mind or contract should not hinge on intentional infliction of emotional distress. It ought to associate with quiet night sleep.

(Id.) Count seven alleges that “[t]he [defendant (2) kissed and it had to marry too! The time to check the foolhardy had come!” (Id.) Plaintiff demands $1.5 million from MBNA, $2 million from Experian, and asks that the “[c]ourt.. .issue the [defendant permanent injunction [sic] to reinstate the credit lines expeditiously.” (Id.) Plaintiff also requests a jury trial. (Id.)

On February 28, 2005, Experian responded to plaintiffs complaint by filing a Motion to Dismiss or, in the Alternative, Motion for More Definite Statement arguing that plaintiffs complaint failed to state a claim upon which relief may be granted since Experian was under no legal duty to investigate the credit information because plaintiff failed to notify Experian that the reported information was inaccurate or disputed. (Docket No. 6.) Alternatively, Experian argues that plaintiffs complaint is so vague and ambiguous that Experian cannot reasonably frame a responsive pleading and thus, Experian has no notice of the claims asserted against it. (Id.) Thus, Experian requests that the court dismiss plaintiffs complaint with prejudice or alternatively order plaintiff to submit a more definite complaint. (Id.)

On March 15, 2005, plaintiff filed a response to Experian’s motions. (Docket No. 10.) Among other things, plaintiff argued that Experian’s motions “sounded diametrically illogical” and further argued that “ the credit reporting should be superlatively objective central to its.. .deprivation. . .usage.” (Id.) Plaintiff further asserted claims of negligence, argued that “a swallow never made a summer,” and cited certain sections of the Fair Credit Reporting Act (“FCRA”), 15 U.S.C. § 1681 et seq. (2001), without explanation of then-relevance to his claim. (Id.)

On March 22, 2005, Experian filed a reply to plaintiffs response acknowledging plaintiffs new possible claim of negligence and arguing that plaintiff had not and could not “allege facts sufficient to show [that] Experian deprived Plaintiff his rights under the FCRA.” (Docket No. 11.) Further, Experian argues that plaintiffs FCRA claims did not state a cause of action under any section cited in plaintiffs response and that plaintiff misrepresented the “import of the cited FCRA sections.” (Id.)

On April 8, 2005, plaintiff filed a Succint Rejoinder to Experian’s reply. (Docket No.

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Bluebook (online)
396 F. Supp. 2d 1, 63 Fed. R. Serv. 3d 405, 2005 U.S. Dist. LEXIS 24866, 2005 WL 2767149, Counsel Stack Legal Research, https://law.counselstack.com/opinion/azubuko-v-mbna-america-bank-mad-2005.