Beaver v. American Express National Bank

CourtDistrict Court, W.D. Washington
DecidedNovember 8, 2024
Docket2:24-cv-01302
StatusUnknown

This text of Beaver v. American Express National Bank (Beaver v. American Express National Bank) is published on Counsel Stack Legal Research, covering District Court, W.D. Washington primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Beaver v. American Express National Bank, (W.D. Wash. 2024).

Opinion

THE HONORABLE JOHN C. COUGHENOUR 1 2 3 4 5 6 UNITED STATES DISTRICT COURT 7 WESTERN DISTRICT OF WASHINGTON 8 AT SEATTLE 9 RONALD BEAVER, CASE NO. C24-1302-JCC 10 Plaintiff, ORDER 11 v. 12 AMERICAN EXPRESS NATIONAL 13 BANK, 14 Defendant. 15

16 This matter comes before the Court on Defendant American Express’s motion to dismiss 17 (Dkt. No. 9). Having thoroughly considered the briefing and the relevant record, the Court 18 GRANTS the motion for the reasons described below. Given this ruling, the Court need not 19 consider Plaintiff’s various filings.1 20 21 1 They include Plaintiff’s multiple requests for judicial notice (Dkt. Nos. 20, 22). The 22 facts he seeks to be noticed are irrelevant and unnecessary in resolving Defendant’s motion to dismiss. See, e.g., Amazon.com Servs. LLC v. Paradigm Clinical Rsch. Inst., Inc., 631 F. Supp. 23 3d 950, 962 (W.D. Wash. 2022). They also include Plaintiff’s motion for summary judgment (Dkt. No. 6). No scheduling order has yet issued and Defendant has not yet answered Plaintiff’s 24 complaint. While Plaintiff’s motion is technically permissible, it is premature. See Burlington N. Santa Fe R. Co. v. Assiniboine & Sioux Tribes of Fort Peck Rsrv., 323 F.3d 767, 773 (9th Cir. 25 2003). They lastly include Plaintiff’s motion to disqualify opposing counsel (Dkt. No. 15)—a 26 drastic measure to be imposed based on compelling circumstances (a standard that Plaintiff fails 1 I. BACKGROUND 2 According to Plaintiff’s complaint, he applied for and received a credit card from 3 Defendant in 2005. (Dkt. No. 1 at 3, 4.) About a month later, Defendant sent Plaintiff its first 4 monthly billing statement. (Id. at 4.) When Plaintiff failed to pay, Defendant reported the 5 outstanding debt to consumer reporting agencies (“CRAs”). (Id. at 4–5.) By 2024, this amount 6 grew to $37,536. (Id. at 5–6.) At that point, in Plaintiff’s words, he requested documents “to 7 authenticate [Defendant’s] claim of [Plaintiff’s] indebtedness,” yet Defendant did not provide a 8 full response or “follow proper procedures” to investigate whether “[Plaintiff’s] dispute was 9 frivolous or irrelevant.” (Id. at 6–13.) Some months later, Plaintiff brought a pro se complaint in 10 this Court, asserting the following causes of action: (1) violations of the Fair Credit Reporting 11 Act (“FCRA”) based on a breach of reporting duties, as provided in 15 U.S.C. § 1681s-2(a); (2) 12 violations of common law implied and statutory duties of good faith; (3) common law fraud; and 13 (4) the inappropriate imposition of opportunity costs. (Id. at 13–15.) Defendant moves to dismiss 14 in accordance with Rule 12(b)(6). (See generally Dkt. No. 9.) 15 II. DISCUSSION 16 A. Motion to Dismiss 17 1. Legal Standard 18 “Rule 8 does not require ‘detailed factual allegations,’ but it demands more than an 19 unadorned, the-defendant-unlawfully-harmed-me accusation.” Ashcroft v. Iqbal, 556 U.S. 662, 20 678 (2009) (quoting Bell Atl. Corp. v. Twombly, 550 U.S. 544, 555 (2007)). A plaintiff is 21 obligated to provide grounds for his or her entitlement to relief that amount to more than 22 formulaic recitation of the elements of a cause of action. Twombly, 550 U.S. at 545. And the 23 Court may dismiss a complaint that “fail[s] to state a claim upon which relief can be granted.”

24 25 to meet). See United States Fire Ins. Co. v. Icicle Seafoods, Inc., 523 F. Supp. 3d 1262, 1266 (W.D. Wash. 2021); Hart v. McDermott, 2023 WL 5630433, slip op. at 1 (W.D. Wash. 2023). 26 1 Fed. R. Civ. P. 12(b)(6). Therefore, to survive a motion to dismiss, the complaint must contain 2 sufficient factual matter, accepted as true, to state a claim for relief that is plausible on its face. 3 Iqbal, 556 U.S. at 677–78. A claim has facial plausibility when the plaintiff pleads factual 4 content that allows the Court to draw the reasonable inference that the defendant is liable for the 5 misconduct alleged. Id. at 678.2 6 2. Plaintiff Fails to State a Claim 7 As further discussed below, Plaintiff’s FCRA cause of action fails as a matter of law. 8 This sufficiently strips the Court of its subject matter jurisdiction over the remaining state law 9 claims.3 Regardless, the Court exercises its discretion to address those claims and finds them 10 inadequately pled and/or not colorable. Moreover, had Plaintiff stated a viable federal claim 11 (which he has not), the FCRA would preempt the remaining claims as pleaded. As such, they are 12 not viable. 13 In asserting the FCRA claim, Plaintiff contends that Defendant violated federal consumer 14 reporting law by furnishing incorrect information to one or more CRAs, and then failed to 15 correct its error. (Dkt. No. 1 at 13.) But a claim based solely on this contention fails as a matter 16 of law, as there is no private right of action against a furnisher,4 such as Defendant, for a 15

17 18 2 Though it liberally construes pro se complaints, the Court will dismiss a pro se action if the record discloses beyond doubt the plaintiff cannot prove facts which entitle him to relief. 19 Weilburg v. Shapiro, 488 F.3d 1202, 1205 (9th Cir. 2007). 20 3 Without an independent source of original jurisdiction in federal court, Court’s may or may not decline to exercise supplemental jurisdiction over state law claims under 28 U.S.C. 21 § 1367(c). Latimer v. AT&T Mobility LLC, 605 F. Supp. 3d 1333, 1339 (W.D. Wash. 2022). 22 4 Indeed, a “furnisher” of information to CRAs must provide accurate information to CRAs. 15 U.S.C. § 1681s-2(a). If a “furnisher” knows or has reasonable cause to believe that the 23 information is inaccurate, then the “furnisher” should not relay that information to the CRA. 15 U.S.C. § 1681s-2(a)(1)(A). And the “furnisher” must investigate previously reported consumer 24 information if it is notified by the customer that specific information is inaccurate. 15 U.S.C. 25 § 1681s-2(b). While § 1681-2(a) mandates certain conduct, it contains no provision for a private right of action. 26 1 U.S.C. §§ 1681s-2(a) (FCRA) violation. See Nelson v. Chase Manhattan Mortg. Corp., 282 F.3d 2 1057, 1060 (9th Cir. 2002) (private rights of action do not apply to violations of § 1681s-2(a)); 3 see also Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147, 1154 (9th Cir. 2009) (private 4 rights of action are limited to willful or negligent noncompliance with FCRA requirements and 5 to violations of § 1681s-2(b)). Only federal and state agencies or officials can enforce the duties 6 imposed on “furnishers.” 15 U.S.C. § 1681s-2(d); see Nelson, 282 F.3d 1057 at 1059–60 7 (Congress limited the enforcement of “furnishers’” duties to governmental bodies).

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Bluebook (online)
Beaver v. American Express National Bank, Counsel Stack Legal Research, https://law.counselstack.com/opinion/beaver-v-american-express-national-bank-wawd-2024.