Celeste Reyes, individually and, on behalf of a class of other similarly situated individuals v. Against All Odds, LLC

CourtDistrict Court, D. New Jersey
DecidedOctober 29, 2025
Docket2:25-cv-14263
StatusUnknown

This text of Celeste Reyes, individually and, on behalf of a class of other similarly situated individuals v. Against All Odds, LLC (Celeste Reyes, individually and, on behalf of a class of other similarly situated individuals v. Against All Odds, LLC) is published on Counsel Stack Legal Research, covering District Court, D. New Jersey primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Celeste Reyes, individually and, on behalf of a class of other similarly situated individuals v. Against All Odds, LLC, (D.N.J. 2025).

Opinion

UNITED STATES DISTRICT COURT DISTRICT OF NEW JERSEY ____________________________________ : CELESTE REYES, individually and, : on behalf of a class of other similarly : situated individuals, : : Plaintiff, : Civil Action No. 25-14263 (JXN) (MAH) : v. : : AGAINST ALL ODDS, LLC, : REPORT AND RECOMMENDATION : : Defendant. : ____________________________________:

I. INTRODUCTION This matter comes before the Court by way of Plaintiff Celeste Reyes’s (“Plaintiff”) motion to remand this matter to state court, pursuant to 28 U.S.C. § 1447(c). Mot. to Remand, Aug. 18, 2025, D.E. 7-1. Defendant New Deal LLC (“Defendant”), improperly pled as Against All Odds, LLC, opposes the motion. Opp’n to Mot. to Remand, Oct. 2, 2025, D.E. 11. Plaintiff replied on October 15, 2025. Pl.’s Reply Br. in Supp., D.E. 12. The Honorable Julien X. Neals, U.S.D.J., referred the motion to the Undersigned for a Report and Recommendation. See Local Civ. R. 72.1(a)(2). The Undersigned has considered the matter without oral argument. Fed. R. Civ. P. 78; Local Civ. R. 78.1. For the reasons set forth below, the Undersigned respectfully recommends that the District Court grant Plaintiff’s motion to remand, deny Plaintiff’s request for attorney’s fees, and deny Defendant’s request for jurisdictional discovery.1

1 A decision to remand is dispositive. In re U.S. Healthcare, 159 F.3d 142, 146 (3d Cir. 1998) (“[A]n order of remand is no less dispositive than a dismissal order of a federal action for lack of subject matter jurisdiction where a parallel proceeding is pending in the state court.”). The Court therefore respectfully submits the following Report and Recommendation to the Honorable Julien X. Neals, United States District Judge. II. BACKGROUND On July 8, 2025, Plaintiff initiated this putative class action in the Superior Court of New Jersey, Law Division, Bergen County. Compl., D.E. 1-1. Plaintiff alleges Defendant willfully violated the Fair and Accurate Credit Transactions Act of 2003 (“FACTA”), U.S.C. § 1681c(g). Compl. ¶¶ 36-37, 52, 57. Plaintiff alleges that on June 23, 2024, after using her credit card in

one of Defendant’s Staten Island, New York stores, the cashier handed Plaintiff an electronically printed receipt which “displayed more than the last five digits of her credit card account number,” in violation of FACTA. Id. ¶¶ 51-52. On August 7, 2025, Defendant removed this matter to federal court pursuant to 28 U.S.C. §§ 1331, 1332, 1441(a), 1441(b), and 1453. Notice of Removal, D.E. 1-2. Defendant asserts the federal forum can appropriately adjudicate Plaintiff’s claim under both 28 U.S.C. § 1331, because it arises under FACTA, a federal statute, and 28 U.S.C. § 1332(d)(2), because the complaint satisfies the Class Action Fairness Act’s (“CAFA”) requirements. Id. at 2. Thereafter, Plaintiff moved to remand this matter to state court. Pl.’s Memo. in Supp. of

Mot. to Remand, D.E. 7-1, Aug. 18, 2025. Plaintiff contends she lacks Article III standing to pursue this matter in federal court. Id. at 2. Specifically, Plaintiff argues her claims fail to assert an injury in fact because Defendant caused no actual damages by printing more than five credit card numbers on the receipt. Id. at 5-6. Accordingly, Plaintiff asserts this Court lacks jurisdiction to award the statutory and punitive damages she seeks. Id. at 6. Plaintiff further requests this Court remand the matter back to state court in lieu of dismissal, and that the Court award attorney’s fees based on Defendant’s improper removal. Id. at 9-10. Defendant opposes Plaintiff’s motion. D.E. 11. Defendant argues this Court should employ Federal Rule of Civil Procedure 12(b)(6)’s standard to determine whether Plaintiff has standing. Id. at 7. Defendant asserts “plaintiff’s remand motion fails to establish that the complaint does not plausibly allege concrete injury-in-fact.” Id. at 9. To the contrary, Defendant contends Plaintiff’s Complaint alleges three separate injuries in fact: (1) economic harm when making the purchase, (2) subsequent efforts to safeguard personal information, and (3) third- party disclosure. Id. at 11, 13, 15. Defendant argues that Plaintiff in this case alleges both

tangible and intangible harms, unlike the bare procedural violations which failed to confer standing in other FACTA cases. Id. at 16. In the alternative, Defendant asserts the Court should allow jurisdictional discovery on the matter. Id. at 19. III. DISCUSSION a. FACTA FACTA is an amendment to the Fair Credit Reporting Act of 1970, 15 U.S.C. § 1681, et seq., that Congress promulgated to “prevent identity theft, improve resolution of consumer disputes, improve accuracy of consumer records, [and] make improvements in the use of, and consumer access to, credit information . . . .” Pub. L. No. 108-159, 117 Stat. 1952. To prevent

identity theft, “FACTA prohibits merchants from printing certain credit and debit card information on receipts.” Long v. Tommy Hilfiger, U.S.A., Inc., 671 F.3d 371, 373 (3d Cir. 2012). “FACTA provides for actual damages and attorneys’ fees and costs to remedy negligent violations.” Kamal v. J. Crew Grp., Inc., 918 F.3d 102, 107 (3d Cir. 2019). “Willful violators are liable for ‘any actual damages . . . or damages of not less than $100 and not more than $1,000,’ punitive damages, and attorneys’ fees and costs.” Id. (quoting 15 U.S.C. § 1681n(a)). “FACTA provides concurrent jurisdiction to state and federal courts, so plaintiffs face no statutory barrier to suing in state court.” Thompson v. Army and Air Force Exch. Serv., 125 F.4th 831, 835 (7th Cir. 2025) (citing 15 U.S.C. § 1681p). After Congress passed FACTA, consumers flooded the federal courts with a wave of lawsuits seeking damages based on receipts displaying credit card expiration dates. Muranksy v. Godiva Chocolatier, Inc., 979 F.3d 917, 921 (11th Cir. 2020) (en banc). In response, Congress

passed the “Clarification Act.” Credit and Debit Card Receipt Clarification Act of 2007, Pub. L. No. 110-241 § 2(a)(4)-(5), 122 Stat. 1565, 1565 (2008).

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Celeste Reyes, individually and, on behalf of a class of other similarly situated individuals v. Against All Odds, LLC, Counsel Stack Legal Research, https://law.counselstack.com/opinion/celeste-reyes-individually-and-on-behalf-of-a-class-of-other-similarly-njd-2025.