BUCHANNON v. ASSOCIATED CREDIT SERVICES INC

CourtDistrict Court, S.D. California
DecidedNovember 17, 2021
Docket3:20-cv-02245
StatusUnknown

This text of BUCHANNON v. ASSOCIATED CREDIT SERVICES INC (BUCHANNON v. ASSOCIATED CREDIT SERVICES INC) is published on Counsel Stack Legal Research, covering District Court, S.D. California primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
BUCHANNON v. ASSOCIATED CREDIT SERVICES INC, (S.D. Cal. 2021).

Opinion

OT He b=: | NOV 17 2021 | 4 SOUTHERN DISTRICT Of CAE FORNA 4 5 6 . 7 8 UNITED STATES DISTRICT COURT 9 SOUTHERN DISTRICT OF CALIFORNIA 10 11 NOBLE T, BUCHANNON, ) Case No.: 3:20-cv-02245-BEN-LL 12 Plaintiff, ) Related Case No.: 4:20-cv-00402 || ¥- ORDER GRANTING PLAINTIFF’S || ASSOCIATED CREDIT SERVICES, DOMED AND A PTORNEY’S INC., a Massachusetts corporation, ) FEES AND COSTS Defendant. ) ) [ECF No. 28] 11. INTRODUCTION Plaintiff NOBLE T. BUCHANNON (“Plaintiff”) brings this action, alleging one |! claim for relief for violation of the Fair Debt Collection Practices Act, 15 U.S.C. § 1692, || ex seg. (the “FDCPA”) against Defendant ASSOCIATED CREDIT SERVICES, INC. 11(“Defendant”). Complaint, ECF No. 1 (“Compl.”); see also First Amended Complaint, || ECF No. 9 (“FAC”). Before the Court are Plaintiffs Motions for Default Judgment against Defendant and ||Motion for Attorney Fees and Costs (the “Motions”). ECF No. 28. The Motions were |jsubmitted on the papers without oral argument pursuant to Civil Local Rule 7. 1(d)(1) and 78(b) of the Federal Rules of Civil Procedure. ECF No. 32. After considering the |\ papers submitted, supporting documentation, and applicable law, the Court GRANTS both || Motions but reduces the amount of damages Plaintiff may recover. -|-

BACKGROUND 2 A. Statement of Facts 3 Plaintiff alleges that on March 30, 2020, he received a letter to him stating he owed 4 debt. Compl. at 7, 1 60.' He further pleads that on or about April 2020, he checked his 5 ||consumer credit report and noticed a collection tradeline furnished by Defendant with a 6 || balance of $180.00 allegedly owed to TD Ameritrade, Inc. (the “Alleged Debt”). Jd. at 7, 7 W956. 8 On or about April 29, 2020, Plaintiff sent a letter to Defendant disputing the Alleged 9 || Debt and requesting verification thereof pursuant to 15 U.S.C. § 1692g(b). Compl. at 7, J 10 see also Exhibit 2 to Declaration of Lauren B. Veggian, ECF No, 28-3 (“Veggian 11 Decl.”) at 7 (attaching the April 29, 2020 letter from Plaintiff to Defendant disputing the || debt discussed in March 30, 2020 letter). On June 16, 2020, Defendant responded to Plaintiff's letter providing “verification ||of the debt as per your request.” See Exhibit 3 to Veggian Decl., ECF No. 28-3 at 9-10 ||(attaching a June 16, 2020 letter providing verification of the debt along with a TD |) Ameritrade Statement for Account No. 490-207581 showing a margin loan in the amount || of $183.47 with a balance of $179.77 owed). On June 26, 2020, Plaintiff's Trans Union || Credit Report shows that Defendant re-reported the debt and failed to report that the debt || was disputed. Exhibit 4 to Veggian Decl., ECF No. 28-3 at 12. As of August 1, 2020, || Defendant had also failed to communicate to Equifax, a consumer reporting agency, that ||the Alleged Debt was disputed by Plaintiff. Compl. at 7, 9 61. Plaintiff alleges that || Defendant materially lowered his credit score by failing to note Plaintiff's dispute of the || Alleged Debt. /d. at 8, 9 64. B. Procedural History On August 7, 2020, Plaintiff filed his complaint in the United States District Court the Northern District of Florida (the “Florida District Court”) against Defendant,

Unless otherwise indicated, all page number references are to the ECF-generated page number contained in the header of each ECF-filed document. -2-

l alleging one claim for relief for violation of the FOCPA. FAC; see also Motion, ECF No. 2 ||28-1 (“Mot.”) at 6:9-12. 3 On September 1, 2020, Defendant timely filed a Motion to Dismiss □□□□□□□□□□□ 4 Complaint for Lack of Personal Jurisdiction Pursuant to Rule 12(b)(2) of the Federal Rules 5 1 of Civil Procedure and Request for Judicial Notice. ECF Nos. 5, 6. 6 On September 18, 2020, the Florida District Court noted that Plaintiff had failed to 7 file a response to Defendant’s motion and ordered Plaintiff to do so. ECF No. 7. Rather 8 than filing a response, on September 26, 2020, Plaintiff filed an Amended Complaint. ECF 9 9. That same day, Plaintiff also consented to Defendant’s Request for Judicial Notice, 10 |) ECF No. 8, and filed an objection to Defendant’s Motion to Dismiss, claiming the motion 11 |/ was moot due to Plaintiffs filing of an amended complaint, ECF No. 10. 12 On September 28, 2020, however, the Florida District Court issued an order (1) 13 granting Defendant’s Request for Judicial Notice; (2) striking Plaintiff's amended complaint, noting Plaintiff had not only failed to timely respond to Defendant’s motion to Il dismiss for lack of personal jurisdiction but had also filed an amended complaint without seeking leave of Court, in violation of Rule 15 of the Federal Rules of Civil Procedure; and || (3) requiring Plaintiff to file a response to Defendant’s Motion to Dismiss by October 2, ECF No. 11. On October 2, 2020, Plaintiff opposed Defendant’s Motion to Dismiss, arguing that || the Florida District Court had personal jurisdiction over Defendant. ECF No. 12. On 1! October 19, 2020, however, the Court issued an order granting Defendant’s Motion to || Dismiss for Lack of Personal J urisdiction, dismissing the complaint, and ordering Plaintiff move for leave to amend the complaint or move to transfer the case to another district. No. 16. On November 9, 2020, Plaintiff filed a Motion to Transfer the case to the United || States District Court for the Southern District of California, “where the events giving rise Plaintiff's claim occurred.” ECF No. 17, On November 10, 2020, Defendant filed a response, indicating it did not oppose Plaintiffs request to transfer the case. ECF No. 18. -3-

result, on November 16, 2020, the Florida District Court rescinded its previous order 2 dismissing the complaint but granted the parties’ request to transfer the case to the United 3 || States District Court for the Southern District of California. ECF No. 19. 4 On November 18, 2020, the case was transferred from the Florida District Court to 5 Southern District of California. ECF No. 19. 6 On March 24, 2021, Plaintiffs counsel filed a Request for Entry of Default. ECF 7 26. On April 5, 2021, the Clerk entered Defendant’s default. ECF No. 27. 8 On May 5, 2021, Plaintiff filed the instant Motion for Default Judgment and Motion 9 I for Attorneys’ Fees and Costs. ECF No. 28. On May 24, 2021, Defendant opposed. 10 || Opposition, ECF No. 30 (“Oppo.”). On May 28, 2021, Plaintiff replied. Reply, ECF No. 11 1/31 (“Reply”). [2 LEGAL STANDARD 13 Rule 12(a)(4)(A) of the Federal Rules of Civil Procedure provides that where “the || court denies the motion [to dismiss]... , the responsive pleading must be served within 14 || days after notice of the court’s action.” “When a party against whom a judgment for || affirmative relief is sought has failed to plead or otherwise defend, and that failure is shown by affidavit or otherwise, the clerk must enter the party’s default.” FED. R. Civ. P. 55(a). A. Motion for Default Judgment “When a party against whom a judgment for affirmative relief is sought has failed to plead or otherwise defend, and that failure is shown by affidavit or otherwise, the clerk || must enter the party’s default.” FED. R. Civ. P. 55(a). Upon entry of default, Federal Rule |) of Civil Procedure 55 (b)(2) provides for the entry of default judgment by the Court.

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Bluebook (online)
BUCHANNON v. ASSOCIATED CREDIT SERVICES INC, Counsel Stack Legal Research, https://law.counselstack.com/opinion/buchannon-v-associated-credit-services-inc-casd-2021.