Charman v. California Check Cashing Stores, LLC.

CourtDistrict Court, S.D. California
DecidedJuly 7, 2025
Docket3:24-cv-00695
StatusUnknown

This text of Charman v. California Check Cashing Stores, LLC. (Charman v. California Check Cashing Stores, LLC.) 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
Charman v. California Check Cashing Stores, LLC., (S.D. Cal. 2025).

Opinion

1 2 3 4 5 6 7 8 UNITED STATES DISTRICT COURT 9 SOUTHERN DISTRICT OF CALIFORNIA 10 11 THANE CHARMAN, Case No. 24-cv-00695-BAS-MMP

12 Plaintiff, ORDER GRANTING IN PART AND 13 v. DENYING IN PART DEFENDANT’S MOTION TO DISMISS (ECF No. 29) 14 LEADSMARKET.COM, LLC, 15 Defendant. 16 17

18 Presently before the Court is Defendant Leadsmarket.com, LLC (“Leadsmarket”)’s 19 Motion to Dismiss Plaintiff Thane Charman’s First Amended Complaint. (ECF No. 29.) 20 Plaintiff opposes, and Leadsmarket replies.1 (ECF Nos. 32, 34.) For the following reasons, 21 the Court GRANTS IN PART and DENIES IN PART Leadsmarket’s Motion to Dismiss. 22 I. BACKGROUND 23 Plaintiff, a resident of San Diego, California, brings this action under the Telephone 24 Consumer Protection Act of 1991 (“TCPA”), 47 U.S.C. § 227, which restricts phone 25 solicitations and the use of automated telephone equipment. (First Am. Compl. (“FAC”) 26 ¶ 1, ECF No. 14.) Plaintiff alleges he registered his phone number on the National Do- 27 1 The Court finds this matter suitable for determination on the papers submitted and without oral 28 1 Not-Call Registry in November 2019 before receiving ninety-two unauthorized text 2 messages between April 2021 and December 2022. (Id. ¶¶ 26, 32–33.) “Each of the text 3 messages was an advertisement of subprime loans.” (Id. ¶ 52.) 4 Defendant Leadsmarket “is a company that solicits consumers for loan products and 5 refers the leads to companies like” California Check Cashing Stores, LLC. (FAC ¶ 29.) 6 Plaintiff alleges “Leadsmarket made the text messages on behalf of” California Check 7 Cashing Stores. (Id. ¶ 62.) Plaintiff asserts he does not have a prior relationship with 8 Leadsmarket or California Check Cashing Stores. (Id. ¶ 54.) Further, because he did not 9 give prior permission for Leadsmarket to contact him, Plaintiff claims these text messages 10 violate the TCPA. (Id. ¶¶ 55–59.) 11 Plaintiff’s First Amended Complaint brings three claims against Leadsmarket and 12 California Check Cashing Stores. (FAC ¶¶ 74–89.) California Check Cashing Stores was 13 dismissed after it reached a settlement. (ECF No. 26.) Leadsmarket now moves to dismiss 14 Plaintiff’s Complaint on several grounds. (Mot., ECF No. 29.) 15 II. ANALYSIS 16 A. Rule 8 17 Leadsmarket first moves to dismiss the First Amended Complaint under Rule 8 of 18 the Federal Rules of Civil Procedure. (Mot. 8:16–9:5.) Rule 8 requires that a complaint 19 contain “a short and plain statement of the claim showing that the pleader is entitled to 20 relief.” Fed. R. Civ. P. 8(a)(2). Rule 8 “is violated when a complaint is excessively 21 ‘verbose, confusing and almost entirely conclusory.’” Cafasso, U.S. ex rel. v. Gen. 22 Dynamics C4 Sys., Inc., 637 F.3d 1047, 1059 (9th Cir. 2011) (quoting Nevijel v. N. Coast 23 Life Ins. Co., 651 F.2d 671, 674 (9th Cir. 1981)). 24 Leadsmarket argues Plaintiff’s Complaint violates Rule 8 because it is an 25 “impermissible ‘shotgun pleading.’” (Mot. 8:17–18.) The Court is not convinced. There 26 are only two named Defendants. Although some allegations group the two Defendants 27 together, others do not. (Compare FAC ¶¶ 27–32, with id. ¶¶ 60–68.) This is not a complex 28 case, and Leadsmarket knows what behavior forms the alleged basis for Plaintiff’s claim. 1 Further, even though the Complaint spans twenty-eight pages, nine of those pages 2 are a table listing the purported text messages. (See id. 8:23–18:5.) Hence, the Court is 3 not faced with “a tome approaching the magnitude of War and Peace” that warrants 4 scrutiny under Rule 8. See Cafasso, 637 F.3d at 1059. The Court therefore denies 5 Leadsmarket’s Motion to Dismiss on this ground. 6 B. Rule 12(b)(6) 7 Leadsmarket moves to dismiss all of Plaintiff’s claims for lack of plausibility under 8 Rule 12(b)(6). To avoid a Rule 12(b)(6) dismissal, a complaint need not contain detailed 9 factual allegations; rather, it must plead “enough facts to state a claim to relief that is 10 plausible on its face.” Bell Atl. Corp. v. Twombly, 550 U.S. 544, 570 (2007). “A claim has 11 facial plausibility when the plaintiff pleads factual content that allows the court to draw the 12 reasonable inference that the defendant is liable for the misconduct alleged.” Ashcroft v. 13 Iqbal, 556 U.S. 662, 678 (2009) (citing Twombly, 550 U.S. at 556). “Where a complaint 14 pleads facts that are ‘merely consistent with’ a defendant’s liability, it ‘stops short of the 15 line between possibility and plausibility of entitlement to relief.’” Id. (quoting Twombly, 16 550 U.S. at 557). 17 1. Count I 18 Count I alleges Leadsmarket sent Plaintiff automated text messages without his 19 consent in violation of 47 U.S.C. § 227(b)(1)(A)(iii). (FAC ¶¶ 74–80.) In his opposition, 20 Plaintiff agrees to “voluntarily dismiss his claim[ ] under 47 U.S.C. § 227(b)(1)(A)(iii).” 21 (Opp’n 4:17–20.) Hence, the Court grants the motion to dismiss Count I. 22 2. Count II 23 Plaintiff’s second and third claims allege Leadsmarket violated regulations issued 24 by the Federal Communications Commission (“FCC”). (FAC ¶¶ 81–89.) The TCPA 25 grants the FCC authority to issue certain regulations, and Congress expressly created 26 a private cause of action for violations of those regulations. 47 U.S.C. § 227(c)(5). Count 27 II alleges Leadsmarket violated 47 C.F.R. § 64.1200 “by making multiple telemarketing 28 1 solicitations to a consumer on the National Do-Not-Call Registry within a 12-month 2 period.” (FAC ¶¶ 81–85.) 3 Leadsmarket argues Count II fails because Plaintiff does not plausibly plead a theory 4 of liability under the TCPA. (Mot. 9:6–17:9; 20:20–22:3.) A defendant may be liable 5 under the TCPA under a theory of direct or vicarious liability. E.g., Thomas v. Taco Bell 6 Corp., 879 F. Supp. 2d 1079, 1084 (C.D. Cal. 2012). For example, 47 C.F.R. § 7 64.1200(c)(2) forbids “initiat[ing] any telephone solicitation to” a person on the do-not- 8 call registry. For direct liability, a plaintiff must show the defendant initiated the telephone 9 solicitation. See id.; see also, e.g., Brown v. Nano Hearing Tech Opco, LLC, No. 3:24- 10 CV-00221-BTM-JLB, 2024 WL 3367536, at *3 (S.D. Cal. July 9, 2024). To allege 11 vicarious liability, the plaintiff must allege facts plausibly suggesting “an agency 12 relationship, as defined by federal common law, between the defendant and a third-party 13 caller [or text sender].” See Gomez v. Campbell-Ewald Co., 768 F.3d 871, 879 (9th Cir. 14 2014). 15 The Motion contends that Plaintiff’s allegations are conclusory and do not reveal a 16 TCPA violation. (Mot. 10:1–16:2.) Again, the Court is unconvinced.

Free access — add to your briefcase to read the full text and ask questions with AI

Related

Lujan v. Defenders of Wildlife
504 U.S. 555 (Supreme Court, 1992)
Bell Atlantic Corp. v. Twombly
550 U.S. 544 (Supreme Court, 2007)
Ashcroft v. Iqbal
556 U.S. 662 (Supreme Court, 2009)
Cafasso v. General Dynamics C4 Systems, Inc.
637 F.3d 1047 (Ninth Circuit, 2011)
Jose Gomez v. Campbell-Ewald Co.
768 F.3d 871 (Ninth Circuit, 2014)
Thomas v. Taco Bell Corp.
879 F. Supp. 2d 1079 (C.D. California, 2012)
Davidson v. Kimberly-Clark Corp.
889 F.3d 956 (Ninth Circuit, 2017)

Cite This Page — Counsel Stack

Bluebook (online)
Charman v. California Check Cashing Stores, LLC., Counsel Stack Legal Research, https://law.counselstack.com/opinion/charman-v-california-check-cashing-stores-llc-casd-2025.