Brittany Williams, individually and on behalf of a class of all persons and entities similarly situated v. Freedom Mortgage Corporation

District Court, S.D. Florida·Decided July 23, 2026·No. 9:26-cv-80874·Unknown

Opinion

IN THE DISTRICT COURT OF THE UNITED STATES FOR THE DISTRICT OF SOUTH CAROLINA COLUMBIA DIVISION

Brittany Williams, individually and on ) Case No. 3:25-cv-12599-JDA behalf of a class of all persons and ) entities similarly situated, ) ) Plaintiff, ) ) v. ) OPINION AND ORDER ) Freedom Mortgage Corporation, ) ) Defendant. )

This matter is before the Court on Defendant Freedom Mortgage Corporation (“Defendant” or “Freedom Mortgage”)’s motion to dismiss Plaintiff’s Amended Complaint pursuant to Rules 12(b)(2), 12(b)(3), and 12(b)(6) of the Federal Rules of Civil Procedure. [Doc. 24.] The motion is fully briefed and ripe for review. [See Docs. 27; 29.] For the reasons stated herein, the Court denies Defendant’s motion to dismiss the Amended Complaint for lack of personal jurisdiction under Rule 12(b)(2) and for improper venue under Rule 12(b)(3). Nevertheless, in its discretion and in the interest of justice, the Court will transfer the action to the United States District Court for the Southern District of Florida pursuant to 28 U.S.C. § 1404. The Court denies Defendant’s motion to dismiss the Amended Complaint for failure to state a claim under Rule 12(b)(6) without prejudice and with leave to re-file upon transfer. BACKGROUND Plaintiff filed an Amended Complaint on September 30, 2025, asserting causes of action for (1) Defendant’s alleged violation of the Telephone Consumer Protection Act, 47 U.S.C. § 227 (“TCPA”) on behalf of Plaintiff and a National Do Not Call Registry Class (the “National DNC Class”) and (2) Defendant’s alleged violation of § 37-21-70 of the South Carolina Telephone Privacy Protection Act, S.C. Code Ann. § 37-21-10, et seq. (“SCTPPA”) on behalf of Plaintiff and a “SCTPPA Class.”1 [Doc. 5.] Plaintiff alleges that her telephone number, (843) XXX-XXXX, “is a non-

commercial telephone number” used “for personal, residential, and household reasons.” [Doc. 5 ¶¶ 24–25.] The number “has been listed on the National Do Not Call Registry since she personally registered it there in 2017.” [Id. ¶ 26.] On July 24, 2025, Plaintiff allegedly received a telemarketing call purporting to offer Freedom Mortgage’s “loan services.” [Id. ¶ 29.] Plaintiff allegedly received additional calls on July 25, July 31, and August 5, 2025, from the same telephone number, with each caller identifying as “a licensed loan originator or advisor actively authorized to represent Freedom Mortgage or related mortgage companies at the time of the calls.” [Id. ¶¶ 30–42.] Certain of the callers identified themselves as employees of Freedom Mortgage operating out of New Jersey and Florida, respectively. [Id. ¶¶ 31, 36.] Plaintiff

claims that she has never been a customer of Freedom Mortgage, has never done business with Freedom Mortgage, and has never asked or inquired to be a customer of Freedom Mortgage. [Id. ¶ 27.] Plaintiff brings this action on behalf of herself and the following proposed classes: National DNC Class: All persons in the United States whose (1) telephone numbers were on the National Do Not Call

1 The National Do Not Call Registry allows consumers to register their telephone numbers to indicate their desire not to receive telephone solicitations at those numbers. 47 C.F.R. § 64.1200(c)(2); [Doc. 5 ¶ 15]. The TCPA prohibits telephone solicitations to residential telephone subscribers listed on the National Do Not Call Registry. Krakauer v. Dish Network, L.L.C., 925 F.3d 643, 648 (4th Cir. 2019); [Doc. 5 ¶ 17]. Similarly, the SCTPPA prohibits telephone solicitations to South Carolina telephone numbers listed on the National Do Not Call Registry. S.C. Code Ann. §37-21-70(B); [Doc. 5 ¶ 19]. Registry for at least 31 days, (2) but who received more than one telemarketing call from or on behalf of Defendant encouraging the purchase [of] Defendant’s goods or services, (3) within a 12-month period (4) at any time in the period that begins four years before the date of filing this Complaint to trial.

SCTPPA Class: All persons with a South Carolina area code to whom (a) at any time in the period that begins four years before the date of filing this Complaint to trial (b) from or on behalf of the Defendant (c) placed at least one telephone solicitation to a number registered on the National Do Not Call Registry.

[Id. ¶ 47.] Plaintiff seeks certification of the proposed classes; declaratory relief; injunctive relief; money damages, attorneys’ fees, and costs; and “such other and further relief as the Court deems necessary, just, and proper.” [Id. at 9–10.] On November 26, 2025, Defendant filed a motion to dismiss for lack of personal jurisdiction, improper venue, and failure to state a claim. [Doc. 24.] Plaintiff filed a response on December 31, 2025. [Doc. 27.] Defendant filed a reply on January 23, 2026. [Doc. 29.] APPLICABLE LAW Personal Jurisdiction Under Rule 12(b)(2) of the Federal Rules of Civil Procedure, a party may move to dismiss an action based on a lack of personal jurisdiction. “[W]hen . . . [a] court decides a pretrial personal jurisdiction dismissal motion without an evidentiary hearing, the plaintiff need prove only a prima facie case of personal jurisdiction.” Mylan Lab’ys, Inc. v. Akzo, 2 F.3d 56, 60 (4th Cir. 1993). To satisfy this burden, the plaintiff must base its claim for personal jurisdiction “on specific facts set forth in the record.” Magic Toyota, Inc. v. Se. Toyota Distribs., Inc., 784 F. Supp. 306, 310 (D.S.C. 1992). Accordingly, “[t]he pleadings, affidavits, and other supporting documents presented to the court are construed in the light most favorable to [the] plaintiff, drawing all inferences and resolving all factual disputes in its favor.” Masselli & Lane, PC v. Miller & Schuh, PA, No. 99-2440, 2000 WL 691100, at *1 (4th Cir. May 30, 2000); see also Mylan Lab’ys, 2 F.3d at 62 (“In

deciding whether the plaintiff has proved a prima facie case of personal jurisdiction, the district court must draw all reasonable inferences arising from the proof, and resolve all factual disputes, in the plaintiff's favor.”). The court, however, “need not credit conclusory allegations or draw farfetched inferences.” Massellli, 2000 WL 691100, at *1 (internal quotation marks omitted). Personal jurisdiction in federal courts is determined by whether the defendant would be “subject to the jurisdiction of a court of general jurisdiction in the state where the district court is located.” Fed. R. Civ. P. 4(k)(1)(A). In determining whether South Carolina state law would authorize personal jurisdiction over the defendant, the Court properly examines both the state long arm statute and the due process requirements of

the Fourteenth Amendment. ESAB Grp., Inc. v. Centricut, Inc., 126 F.3d 617, 623 (4th Cir. 1997). South Carolina’s long arm statute provides: (A) A court may exercise personal jurisdiction over a person who acts directly or by an agent as to a cause of action arising from the person’s:

(1) transacting any business in this State;

(2) contracting to supply services or things in the State;

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Brittany Williams, individually and on behalf of a class of all persons and entities similarly situated v. Freedom Mortgage Corporation, (S.D. Fla. 2026).

Brittany Williams, individually and on behalf of a class of all persons and entities similarly situated v. Freedom Mortgage Corporation (Brittany Williams, individually and on behalf of a class of all persons and entities similarly situated v. Freedom Mortgage Corporation) — published by Counsel Stack Legal Research, free access to 12M+ legal documents.

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