Bradley v. Dentalplans.com

CourtDistrict Court, D. Maryland
DecidedDecember 18, 2024
Docket1:20-cv-01094
StatusUnknown

This text of Bradley v. Dentalplans.com (Bradley v. Dentalplans.com) is published on Counsel Stack Legal Research, covering District Court, D. Maryland primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Bradley v. Dentalplans.com, (D. Md. 2024).

Opinion

IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MARYLAND

* DEBORAH BRADLEY, individually and on behalf of others * similarly situated, * Civil No. 20-1094-BAH Plaintiff, * v. * DENTALPLANS.COM et al., * Defendants. * * * * * * * * * * * * * * * MEMORANDUM OPINION

Plaintiff Deborah Bradley (“Plaintiff” or “Bradley”) brought this case on behalf of herself and others similarly situated against Defendants DentalPlans.com (“DentalPlans”) and Cigna Health and Life Insurance Company (“Cigna”) (collectively “Defendants”). ECF 42. On June 6, 2024, the Court granted Plaintiff’s motion for class certification (ECF 107) and denied Defendant DentalPlans’s motion for summary judgment (ECF 116). See ECF 138 (memorandum opinion) (hereinafter the “Opinion” or “ECF 138”) and ECF 139 (implementing order). On June 17, 2024, DentalPlans moved this Court to certify for interlocutory appeal the summary judgment portion of the Opinion and corresponding implementing order. ECF 140 (hereinafter the “Motion”). Plaintiff filed an opposition, ECF 145, and DentalPlans filed a reply, ECF 151. For the reasons noted below, the Motion is GRANTED in part and DENIED in part. I. BACKGROUND The facts of this case are detailed in the Opinion. See ECF 138, at 2–4. In short, DentalPlans operates a “direct-to-consumer marketplace” that sells “dental savings plans” that allow customers to receive discounts on dental treatments. ECF 116-1, at 7; ECF 111-4, at 3. Plaintiff signed up for a Cigna dental discount plan through DentalPlans during the phone a call in November of 2018. ECF 124-9, at 2. In signing up for the plan, Plaintiff orally agreed to receive automated calls from DentalPlans “to keep [her] updated with any plan information.” ECF 138, at 2 (citing ECF 113-2, at 4). Later, after Plaintiff expressed that she did not want her

plan to auto-renew, DentalPlans began placing calls to her phone using a prerecorded voice to inform her that her membership was ending soon and that she could renew her plan. See ECF 124, at 13; ECF 113-5, at 2; ECF 124-9, at 2. Plaintiff chose not to renew her plan and ignored the calls. ECF 129-10, at 8. Plaintiff’s plan expired on December 1, 2019. Id. After her plan expired, Plaintiff continued to receive prerecorded calls from DentalPlans. ECF 113-5, at 2. These calls, characterized by DentalPlans as “winback” calls, attempted to “win back” Plaintiff’s business by encouraging her to repurchase her Cigna plan with DentalPlans. See ECF 111-4, at 14. According to DentalPlans’s records, Plaintiff received ten of these calls between December 3, 2019, and February 26, 2020, when the calls stopped. ECF

113-5, at 2. DentalPlans estimates that it placed winback calls to 57,240 former customers during the time period relevant to this case. ECF 113-3, at 6. Plaintiff alleges that she grew increasingly frustrated with the prerecorded calls from DentalPlans. ECF 111-2, at 5. Ultimately, she filed this lawsuit under the Telephone Consumer Protection Act (“TCPA”), 47 U.S.C. § 227, alleging that Defendants had violated the statute by placing unauthorized telemarketing calls to her and the proposed class of former DentalPlans customers.1 ECF 43.

1 Plaintiff initially brought a second claim alleging a violation of the “do-not-call list” provisions of the TCPA, ECF 42, at 11–13, but that claim was later abandoned and dismissed with prejudice. See ECF 138, at 4 n.3. After full briefing on the issues, the Court granted Plaintiff’s motion to certify a class (and subclass) pursuant to Federal Rule of Civil Procedure Rules 23(a) and (b)(3). ECF 138, at 20–33. The Court first found that Plaintiff had standing to sue, rejecting DentalPlans’s claim that Bradley merely alleged a “bare procedural violation” of the kind the Supreme Court found incongruous with the “the strictures of Article III” in Spokeo, Inc. v. Robins, 578 U.S. 330, 338

(2016). ECF 138, at 8. The Court held that the dispute was controlled by Krakauer v. Dish Network, LLC, 925 F.3d 643, 654 (4th Cir. 2019), a case where the Fourth Circuit explained that the receipt of unauthorized telemarketing calls was a sufficient injury to confer Article III standing. Id. at 9. A second question the Court decided was whether there was a dispute of material fact over whether Plaintiff consented to receive the recorded calls from DentalPlans. ECF 138, at 10. This raised the threshold question of whether the “winback” calls should be classified as “telemarketing calls” under the TCPA requiring “prior express written consent,” or whether the calls required only “prior express consent.” Id. at 11 (citing 47 C.F.R. § 64.1200(a)(1)–(a)(2)).

After finding that the calls were “telemarketing calls” and thus required “prior express written consent,” id. at 13, the Court held that Bradley’s voice recording could not be a valid written signature under the E-SIGN Act necessary to establish “prior express written consent” under the TCPA, id. at 19. Critical to this finding was the Court’s determination that the additional “consumer disclosures” section of the E-SIGN Act, 15 U.S.C. § 7001(c), applied to the prerecorded telemarketing calls that Bradley and other class members received. ECF 138, at 17–18. In reaching this conclusion, the Court examined the E-SIGN Act and the TCPA, along with relevant regulations, and held that “a plain reading of these admittedly complex statutes and regulations makes clear that the TCPA does, indeed, ‘require[] that information relating to a transaction or transactions in or affecting interstate or foreign commerce be provided or made available to a consumer in writing[,]’” thereby triggering the E-SIGN Act’s additional disclosures. Id. at 17– 18 (citing 15 U.S.C. § 7001(c)(1)). The Court found no express authority from the Court of Appeals for the Fourth Circuit on

point but cited with favor of the reasoning employed in Mantha v. Quotewizard.com, LLC, Civ. No. 19-12235, 2021 WL 6061919, at *8 (D. Mass. Dec. 13, 2021), report and recommendation adopted, 2022 WL 325722 (D. Mass. Feb. 3, 2022). ECF 138, at 19. For reasons articulated in the Opinion, the Court did not apply the decisions reached by the district courts in Morris v. Modernize, Inc., No. AU-17-CA-00963-SS, 2018 WL 7076744 (W.D. Tex. Sept. 27, 2018) and Reinert v. Power Home Remodeling Group, LLC, No. 19-13186, 2020 WL 6743094 (E.D. Mich. Nov. 17, 2020). Because the TCPA triggered the additional “consumer disclosures” requirement to render the voice recording a valid signature under the E-SIGN Act, and because DentalPlans had not

provided the additional required “consumer disclosures,” the Court denied summary judgment to Defendants. ECF 138, at 19. The Court then held alternatively that there was a genuine dispute of material fact as to whether Plaintiff intended to make a valid signature through the voice recording, which is required for an electronic record to be a writing under the E-SIGN Act. Id. at 20. DentalPlans now asks the Court to certify for immediate appeal two issues: 1) “Whether the E-SIGN Act’s disclosure requirements apply to the TCPA”; and 2) “Whether a procedural violation of the TCPA is sufficient to confer Article III standing.” ECF 140, at 1. II. LEGAL STANDARDS Ordinarily, an interlocutory order of this Court would not be appealable at this time except under narrow circumstances not present here.

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Bradley v. Dentalplans.com, Counsel Stack Legal Research, https://law.counselstack.com/opinion/bradley-v-dentalplanscom-mdd-2024.