[Cite as Cach, L.L.C. v. Hutchinson, 2014-Ohio-5148.]
Court of Appeals of Ohio EIGHTH APPELLATE DISTRICT COUNTY OF CUYAHOGA
JOURNAL ENTRY AND OPINION No. 101288
CACH, L.L.C.
PLAINTIFF-APPELLEE
vs.
NOAH HUTCHINSON, ET AL.
DEFENDANTS-APPELLANTS
JUDGMENT: AFFIRMED
Civil Appeal from the Cuyahoga County Court of Common Pleas Case No. CV-13-811391
BEFORE: S. Gallagher, J., Jones, P.J., and McCormack, J.
RELEASED AND JOURNALIZED: November 20, 2014 ATTORNEY FOR APPELLANTS
Tyrone E. Reed 11811 Shaker Blvd. Suite 420 Cleveland, OH 44120
ATTORNEYS FOR APPELLEE
Donald A. Mausar Amanda K. Rasbach Yurechko Hannah F.G. Singerman Weltman, Weinberg & Reis Co., L.P.A. 200 Lakeside Place 323 Lakeside Avenue, West Cleveland, OH 44113 SEAN C. GALLAGHER, J.:
{¶1} Defendants Noah Hutchinson and LNH, Inc. appeal from the trial court’s decision
granting summary judgment in favor plaintiff CACH, L.L.C. For the following reasons, we
affirm.
{¶2} Hutchinson, on behalf of LNH, entered an agreement for a personal or business line
of credit with Wells Fargo Bank, N.A. The account was sold to CACH before the current
claims were filed. Hutchinson allegedly owed a balance owed of $56,746.14. CACH moved
for summary judgment, attaching the monthly statements from June 2007 to March 2010.
Hutchinson admitted that the statements correctly identified his address. The statements reflect
an opening balance of $29,529.01 and a closing balance of $56,746.14, the difference apparently
derived from interest accumulation. CACH also included an affidavit from its custodian of
records attesting to the authenticity of the records received from Wells Fargo and an affidavit
from a Wells Fargo representative detailing the sale of the account and the transfer of
documentation to CACH. Finally, a transcript of a telephonic conversation, purportedly
between Hutchinson and a Wells Fargo representative discussing the creation of the account, was
filed along with Hutchinson’s deposition testimony.
{¶3} Hutchinson responded to the motion for summary judgment, and attached his own
affidavit disclaiming any intention to enter a “credit card agreement” with Wells Fargo or CACH
at any time, stating that he did not sign any agreement with Wells Fargo, and stating that he did
not “charge $56,746.14 of goods or services” at any time — all of which could very well be true
statements. The trial court ordered the parties to take Hutchinson’s deposition, concerned with
the peculiar wording of Hutchinson’s affidavit. It appears Hutchinson attempted to deny the
existence of the entire account through an exercise in semantics. {¶4} For instance, CACH never claimed that Hutchinson charged over $56,000 for goods
or services or opened a “credit card agreement.” A review of the billing statements reveals that
amount was largely attributed to accumulated interest on the $29,000 balance over a three-year
period, and the complaint alleged the account to be a “personal or business” credit line account,
not a credit card agreement. Further, CACH never claimed Hutchinson signed a contract, at all
times maintaining that Hutchinson orally agreed to establish the account in question. The trial
court gave Hutchinson the benefit of the doubt and afforded him a second opportunity to create a
genuine issue of material fact through his own deposition testimony, despite the word games
played in the affidavit. In short, the affidavit did not contradict any evidence, much less the
allegations advanced against Hutchinson.
{¶5} The transcript of the deposition was to be filed for the purposes of resolving the
pending motion for summary judgment. Neither party objected or assigned any error to the trial
court’s order and the inclusion of the deposition transcript for the purposes of summary
judgment.
{¶6} Hutchinson’s deposition testimony is of no help to his cause. Rather than denying
the existence of the account, Hutchinson merely demonstrated an inability to remember anything,
especially with regard to the existence of the account and the telephonic conversation in which he
purportedly created the account in question. For instance, he claimed that he could not say that
he was or was not the person recorded creating the account. Hutchinson also confirmed that all
the information Wells Fargo, and thus CACH, obtained about him was accurate, including the
billing address to which the account statements were regularly sent. Hutchinson “did not recall”
receiving any statements during the several years the account was active, although he admitted
using the P.O. Box to which the statements were sent. {¶7} After the parties filed the deposition transcript, the trial court granted summary
judgment in favor of CACH on all claims. Hutchinson appealed, advancing one assignment of
error in which he claims the trial court erred in granting summary judgment because at his
deposition Hutchinson denied opening or using the account in question. We find no merit to his
claims.
{¶8} Appellate review of summary judgment is de novo, governed by the standard set
forth in Civ.R. 56. Comer v. Risko, 106 Ohio St.3d 185, 2005-Ohio-4559, 833 N.E.2d 712, ¶ 8.
Summary judgment is appropriately granted only when (1) there is no genuine issue of material
fact, (2) the moving party is entitled to judgment as a matter of law, and (3) viewing the evidence
most strongly in favor of the nonmoving party, reasonable minds can come to but one conclusion
and that conclusion is adverse to the nonmoving party. Marusa v. Erie Ins. Co., 136 Ohio St.3d
118, 2013-Ohio-1957, 991 N.E.2d 232, ¶ 7. A party requesting summary judgment bears the
initial burden to show the basis of the motion. Dresher v. Burt, 75 Ohio St.3d 280, 293-294,
662 N.E.2d 264 (1996). Once the moving party satisfies this burden of production is the
opposing party’s reciprocal burden triggered, requiring introduction of evidence allowed under
Civ.R. 56(C) to demonstrate genuine issues of material fact. Id.
{¶9} Hutchinson argues that the trial court improperly granted summary judgment
because there was no signed agreement introduced as evidence in support of CACH’s complaint.
He further claims that his denial of the account at his deposition was sufficient to create a
genuine issue of material fact.
{¶10} Hutchinson’s former claim is misguided; a party seeking damages on an account
need not proffer a signed agreement. As this court has held, an account must show the name of
the party charged and contain (1) a beginning balance; (2) listed items representing charges or debits; and (3) summarization of a running or developing balance of the amount claimed to be
due. Citibank, N.A. v. Katz, 8th Dist. Cuyahoga No. 98753, 2013-Ohio-1041, ¶ 11, citing
Citibank (S.D.), N.A. v. Lesnick, 11th Dist. Lake No. 2005-L-013, 2006-Ohio-1448, ¶ 9, quoting
Gabriele v. Reagan, 57 Ohio App.3d 84, 87, 566 N.E.2d 684 (12th Dist.1988). Every element
was satisfied in this case.
{¶11} CACH presented admissible evidence demonstrating that Hutchinson regularly
used the address to which the monthly statements were sent. The affidavits from CACH and
Wells Fargo identified Hutchinson as the individual owing the $56,746.14 balance and
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[Cite as Cach, L.L.C. v. Hutchinson, 2014-Ohio-5148.]
Court of Appeals of Ohio EIGHTH APPELLATE DISTRICT COUNTY OF CUYAHOGA
JOURNAL ENTRY AND OPINION No. 101288
CACH, L.L.C.
PLAINTIFF-APPELLEE
vs.
NOAH HUTCHINSON, ET AL.
DEFENDANTS-APPELLANTS
JUDGMENT: AFFIRMED
Civil Appeal from the Cuyahoga County Court of Common Pleas Case No. CV-13-811391
BEFORE: S. Gallagher, J., Jones, P.J., and McCormack, J.
RELEASED AND JOURNALIZED: November 20, 2014 ATTORNEY FOR APPELLANTS
Tyrone E. Reed 11811 Shaker Blvd. Suite 420 Cleveland, OH 44120
ATTORNEYS FOR APPELLEE
Donald A. Mausar Amanda K. Rasbach Yurechko Hannah F.G. Singerman Weltman, Weinberg & Reis Co., L.P.A. 200 Lakeside Place 323 Lakeside Avenue, West Cleveland, OH 44113 SEAN C. GALLAGHER, J.:
{¶1} Defendants Noah Hutchinson and LNH, Inc. appeal from the trial court’s decision
granting summary judgment in favor plaintiff CACH, L.L.C. For the following reasons, we
affirm.
{¶2} Hutchinson, on behalf of LNH, entered an agreement for a personal or business line
of credit with Wells Fargo Bank, N.A. The account was sold to CACH before the current
claims were filed. Hutchinson allegedly owed a balance owed of $56,746.14. CACH moved
for summary judgment, attaching the monthly statements from June 2007 to March 2010.
Hutchinson admitted that the statements correctly identified his address. The statements reflect
an opening balance of $29,529.01 and a closing balance of $56,746.14, the difference apparently
derived from interest accumulation. CACH also included an affidavit from its custodian of
records attesting to the authenticity of the records received from Wells Fargo and an affidavit
from a Wells Fargo representative detailing the sale of the account and the transfer of
documentation to CACH. Finally, a transcript of a telephonic conversation, purportedly
between Hutchinson and a Wells Fargo representative discussing the creation of the account, was
filed along with Hutchinson’s deposition testimony.
{¶3} Hutchinson responded to the motion for summary judgment, and attached his own
affidavit disclaiming any intention to enter a “credit card agreement” with Wells Fargo or CACH
at any time, stating that he did not sign any agreement with Wells Fargo, and stating that he did
not “charge $56,746.14 of goods or services” at any time — all of which could very well be true
statements. The trial court ordered the parties to take Hutchinson’s deposition, concerned with
the peculiar wording of Hutchinson’s affidavit. It appears Hutchinson attempted to deny the
existence of the entire account through an exercise in semantics. {¶4} For instance, CACH never claimed that Hutchinson charged over $56,000 for goods
or services or opened a “credit card agreement.” A review of the billing statements reveals that
amount was largely attributed to accumulated interest on the $29,000 balance over a three-year
period, and the complaint alleged the account to be a “personal or business” credit line account,
not a credit card agreement. Further, CACH never claimed Hutchinson signed a contract, at all
times maintaining that Hutchinson orally agreed to establish the account in question. The trial
court gave Hutchinson the benefit of the doubt and afforded him a second opportunity to create a
genuine issue of material fact through his own deposition testimony, despite the word games
played in the affidavit. In short, the affidavit did not contradict any evidence, much less the
allegations advanced against Hutchinson.
{¶5} The transcript of the deposition was to be filed for the purposes of resolving the
pending motion for summary judgment. Neither party objected or assigned any error to the trial
court’s order and the inclusion of the deposition transcript for the purposes of summary
judgment.
{¶6} Hutchinson’s deposition testimony is of no help to his cause. Rather than denying
the existence of the account, Hutchinson merely demonstrated an inability to remember anything,
especially with regard to the existence of the account and the telephonic conversation in which he
purportedly created the account in question. For instance, he claimed that he could not say that
he was or was not the person recorded creating the account. Hutchinson also confirmed that all
the information Wells Fargo, and thus CACH, obtained about him was accurate, including the
billing address to which the account statements were regularly sent. Hutchinson “did not recall”
receiving any statements during the several years the account was active, although he admitted
using the P.O. Box to which the statements were sent. {¶7} After the parties filed the deposition transcript, the trial court granted summary
judgment in favor of CACH on all claims. Hutchinson appealed, advancing one assignment of
error in which he claims the trial court erred in granting summary judgment because at his
deposition Hutchinson denied opening or using the account in question. We find no merit to his
claims.
{¶8} Appellate review of summary judgment is de novo, governed by the standard set
forth in Civ.R. 56. Comer v. Risko, 106 Ohio St.3d 185, 2005-Ohio-4559, 833 N.E.2d 712, ¶ 8.
Summary judgment is appropriately granted only when (1) there is no genuine issue of material
fact, (2) the moving party is entitled to judgment as a matter of law, and (3) viewing the evidence
most strongly in favor of the nonmoving party, reasonable minds can come to but one conclusion
and that conclusion is adverse to the nonmoving party. Marusa v. Erie Ins. Co., 136 Ohio St.3d
118, 2013-Ohio-1957, 991 N.E.2d 232, ¶ 7. A party requesting summary judgment bears the
initial burden to show the basis of the motion. Dresher v. Burt, 75 Ohio St.3d 280, 293-294,
662 N.E.2d 264 (1996). Once the moving party satisfies this burden of production is the
opposing party’s reciprocal burden triggered, requiring introduction of evidence allowed under
Civ.R. 56(C) to demonstrate genuine issues of material fact. Id.
{¶9} Hutchinson argues that the trial court improperly granted summary judgment
because there was no signed agreement introduced as evidence in support of CACH’s complaint.
He further claims that his denial of the account at his deposition was sufficient to create a
genuine issue of material fact.
{¶10} Hutchinson’s former claim is misguided; a party seeking damages on an account
need not proffer a signed agreement. As this court has held, an account must show the name of
the party charged and contain (1) a beginning balance; (2) listed items representing charges or debits; and (3) summarization of a running or developing balance of the amount claimed to be
due. Citibank, N.A. v. Katz, 8th Dist. Cuyahoga No. 98753, 2013-Ohio-1041, ¶ 11, citing
Citibank (S.D.), N.A. v. Lesnick, 11th Dist. Lake No. 2005-L-013, 2006-Ohio-1448, ¶ 9, quoting
Gabriele v. Reagan, 57 Ohio App.3d 84, 87, 566 N.E.2d 684 (12th Dist.1988). Every element
was satisfied in this case.
{¶11} CACH presented admissible evidence demonstrating that Hutchinson regularly
used the address to which the monthly statements were sent. The affidavits from CACH and
Wells Fargo identified Hutchinson as the individual owing the $56,746.14 balance and
authenticated the monthly billing statements demonstrating the running account. 1 CACH
satisfied its burden, and a signed agreement was not necessary to the disposition of its claims.
{¶12} Hutchinson never objected or assigned error to the trial court’s sua sponte
requirement to include his deposition testimony for disposing of CACH’s motion for summary
judgment, nor did he object to the introduction of the telephonic recording at the deposition and
also filed with the trial court.
{¶13} In that deposition, Hutchinson never directly denied the existence or use of the
account, the receipt of the monthly billing statements, nor any facts as presented by CACH. He
merely indicated that he “could not recall” agreeing to create the account, to using the account, to
receiving the monthly statements, or to possessing any documents to dispute the amount owed.
Not “recalling” the existence of, or agreement to use, the account is not the same as denying the
1 Hutchinson’s argument that CACH cannot authenticate documents generated by Wells Fargo disregards the facts as stated in both CACH and Wells Fargo’s respective affidavits. A representative of Wells Fargo stated that Hutchinson owed an amount due, and CACH bought the account and all documents in support of that account, including the billing statements. CACH’s representative basically provided the link establishing how CACH came to own the account and how they received all the supporting documentation. same for the purposes of determining the existence of genuine issues of material fact upon
summary judgment. See Davis-Payne v. Miami Valley Hosp., 2d Dist. Montgomery Nos. 14747
and 15182, 1995 Ohio App. LEXIS 5806, *12 (Dec. 29, 1995) (inability to remember the events
does not create a genuine issue of material fact against another witness who was able to recall the
events). Accordingly, Hutchinson’s deposition did not provide any evidence to sustain his
reciprocal burden of demonstrating genuine issues of material fact in opposition to CACH’s
undisputed evidence demonstrating the final debt Hutchinson owed on the account.
{¶14} In light of the foregoing, the trial court did not err in granting summary judgment in
favor of CACH. The undisputed, admissible evidence demonstrated that Hutchinson created
and used the account in question, and CACH produced evidence of the final amount due and
owing. Hutchinson’s inability to recall any of the details or failure to provide unequivocating
denials of being the owner of the account at the deposition were dispositive. Further, his
affidavit was nonresponsive to the allegations of the complaint and the undisputed evidence
submitted for the purposes of the motion for summary judgment. Finding no error, the judgment
of the trial court is affirmed.
It is ordered that appellee recover of appellants costs herein taxed.
The court finds there were reasonable grounds for this appeal.
It is ordered that a special mandate issue out of this court directing the common pleas
court to carry this judgment into execution.
A certified copy of this entry shall constitute the mandate pursuant to Rule 27 of the
Rules of Appellate Procedure.
SEAN C. GALLAGHER, JUDGE LARRY A. JONES, SR., P.J., and TIM McCORMACK, J., CONCUR