Charman v. Cloud Based Personal Loan Locator, Inc.

CourtDistrict Court, S.D. California
DecidedJanuary 22, 2024
Docket3:23-cv-00748
StatusUnknown

This text of Charman v. Cloud Based Personal Loan Locator, Inc. (Charman v. Cloud Based Personal Loan Locator, 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
Charman v. Cloud Based Personal Loan Locator, Inc., (S.D. Cal. 2024).

Opinion

1 2 3 4 5 6 7 8 UNITED STATES DISTRICT COURT 9 SOUTHERN DISTRICT OF CALIFORNIA 10 Case No.: 23cv0748 DMS (DEB) THANE CHARMAN, individual and on

11 behalf of all others similarly situated, ORDER DENYING DEFENDANT’S 12 Plaintiff, MOTION TO DISMISS v. 13 CLOUD BASED PERSONAL LOAN 14 LOCATOR, INC. d/b/a PERSONAL 15 LOANS NOW, and DOES 1-10 INCLUSIVE, 16 Defendants. 17 18 19 This case comes before the Court on Defendant’s motion to dismiss. Plaintiff filed 20 an opposition to the motion, and Defendant filed a reply. For the reasons discussed below, 21 the motion is denied. 22 I. 23 BACKGROUND 24 Plaintiff Thane Charman alleges that starting on May 4, 2020, Defendant Cloud 25 Based Personal Loan Locator, Inc. began sending unsolicited text messages to his phone 26 even though Plaintiff’s phone number was on the Do-Not-Call Registry. (Am. Compl. ¶¶ 27 38-39.) As a result of those messages, Plaintiff, on behalf of himself and all others 28 1 similarly situated, filed the present case alleging Defendant violated the Telephone 2 Consumer Protection Act (“TCPA”). 3 After a telephonic status conference with the Court, Plaintiff filed an Amended 4 Complaint. In response, Defendant filed the present motion. 5 II. 6 DISCUSSION 7 Defendant moves to dismiss Plaintiff’s Complaint for lack of standing under 8 Federal Rule of Civil Procedure 12(b)(1), and for failure to state a claim under Federal 9 Rule of Civil Procedure 12(b)(6). 10 A. Standing 11 Supreme Court “cases have established that the ‘irreducible constitutional 12 minimum’ of standing consists of three elements.” Spokeo v. Robins, 578 U.S. 330, 338 13 (2016) (quoting Lujan v. Defenders of Wildlife, 504 U.S. 555, 560 (1992)). “The plaintiff 14 must have (1) suffered an injury in fact, (2) that is fairly traceable to the challenged conduct 15 of the defendant, and (3) that is likely to be redressed by a favorable judicial decision.” Id. 16 (citing Lujan, 504 U.S. at 560-61). “The plaintiff, as the party invoking federal jurisdiction, 17 bears the burden of establishing these elements.” Id. (citing FW/PBS, Inc. v. Dallas, 493 18 U.S. 215, 231 (1990)). When a case is at the pleading stage, “the plaintiff must ‘clearly … 19 allege facts demonstrating’ each element.” Id. (quoting Warth v. Seldin, 422 U.S. 490, 518 20 (1975)). 21 To satisfy the first element, the plaintiff must establish that they “suffered ‘an 22 invasion of a legally protected interest that is concrete and particularized and actual or 23 imminent, not conjectural or hypothetical.’” Van Patten v. Vertical Fitness Group, LLC, 24 847 F.3d 1037, 1042 (9th Cir. 2017) (quoting Spokeo, 578 U.S. at 339) (quotation marks 25 omitted). Under the TCPA, this element is met if the plaintiff can show they were subjected 26 to unsolicited telemarketing phone calls or text messages, which “by their nature, invade 27 the privacy and disturb the solitude of their recipients.” Id. at 1043. Plaintiff has satisfied 28 this element here. (See Am. Compl. ¶ 39 (“Plaintiff received at least one (1) unauthorized 1 automated text messages [sic] (‘the text messages’) to his personal cell phone ending in 2 619 3X0-X1X9 from Defendant soliciting their goods and services starting on May 4, 3 2020.”) 4 Turning to the second element, Defendant argues Plaintiff cannot meet it because 5 Defendant did not send the offending text message to Plaintiff’s phone. In support of this 6 argument, Defendant relies on the Declaration of its President and CEO, who states 7 Defendant “never contacted Plaintiff, by text or by any other method of communication.” 8 (Decl. of Joe Delfgauw in Supp. of Mot. (“Delfgauw Decl.”) ¶¶ 4-11.) The Court cannot 9 consider this argument here, however, because it is inextricable from the merits of 10 Plaintiff’s claim. See Kingman Reef Atoll Investments, L.L.C. v. United States, 541 F.3d 11 1189, 1195 (9th Cir. 2008) (stating court may not determine jurisdiction on motion to 12 dismiss under Rule 12(b)(1) if “the jurisdictional issue is inextricable from the merits of 13 a case”); see also Rosales v. United States, 824 F.2d 799, 803 (9th Cir. 1987) (“A district 14 court may hear evidence and make findings of fact necessary to rule on the subject matter 15 jurisdiction question prior to trial, if the jurisdictional facts are not intertwined with the 16 merits.”) (emphasis added). Specifically, whether Defendant sent the text message to 17 Plaintiff’s phone is the first element of Plaintiff’s claim under the TCPA. See Meyer v. 18 Portfolio Recovery Associates, LLC, 707 F.3d 1036, 1043 (9th Cir. 2012) (citing 47 19 U.S.C. § 227(b)(1)) (stating first element of TCPA claim is whether “the defendant called 20 a cellular telephone number”). In light of this overlap, Defendant is not entitled to 21 dismissal of Plaintiff’s case based on a lack of standing.1 22 / / / 23 / / / 24 25 26 1 Defendant relies on the causation prong of the standing analysis to argue Plaintiff has also 27 failed to meet the redressability prong. Because the Court declines to consider the merits of Defendant’s causation argument here, the Court likewise declines to address 28 1 B. Federal Rule of Civil Procedure 12(b)(6) 2 Turning to Rule 12(b)(6), Defendant argues Plaintiff’s case should be dismissed 3 because Plaintiff has failed to provide “any” factual basis for his claim. (Mem. of P. & A. 4 in Supp. of Mot. at 12.) To survive a motion to dismiss under Rule 12(b)(6), “a complaint 5 must contain sufficient factual matter, accepted as true, to ‘state a claim to relief that is 6 plausible on its face.’” Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009) (citing Bell Atlantic 7 Corp. v. Twombly, 550 U.S. 544, 570 (2007)). “A claim has facial plausibility when the 8 plaintiff pleads factual content that allows the court to draw the reasonable inference that 9 the defendant is liable for the misconduct alleged.” Id. (citing Twombly, 550 U.S. at 556). 10 “Determining whether a complaint states a plausible claim for relief will ... be a 11 context-specific task that requires the reviewing court to draw on its judicial experience 12 and common sense.” Id. at 679 (citing Iqbal v. Hasty, 490 F.3d 143, 157-58 (2d Cir. 2007)). 13 In Iqbal, the Court began this task “by identifying the allegations in the complaint that are 14 not entitled to the assumption of truth.” Id. at 680. It then considered “the factual 15 allegations in respondent’s complaint to determine if they plausibly suggest an entitlement 16 to relief.” Id. at 681. 17 Here, Plaintiff alleges one claim under the TCPA. “The three elements of a TCPA 18 claim are: (1) the defendant called a cellular telephone number; (2) using an automatic 19 telephone dialing system; (3) without the recipient’s prior express consent.” Meyer, 707 20 F.3d at 1043 (citing 47 U.S.C. § 227(b)(1)).

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Related

Iqbal v. Hasty
490 F.3d 143 (Second Circuit, 2007)
Warth v. Seldin
422 U.S. 490 (Supreme Court, 1975)
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)
Jesse Meyer v. Portfolio Recovery Associates
707 F.3d 1036 (Ninth Circuit, 2012)
Metzler Investment GMBH v. Corinthian Colleges, Inc.
540 F.3d 1049 (Ninth Circuit, 2008)
Spokeo, Inc. v. Robins
578 U.S. 330 (Supreme Court, 2016)
Bradley Van Patten v. Vertical Fitness Group
847 F.3d 1037 (Ninth Circuit, 2017)
David Schwake v. Arizona Board of Regents
967 F.3d 940 (Ninth Circuit, 2020)

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Bluebook (online)
Charman v. Cloud Based Personal Loan Locator, Inc., Counsel Stack Legal Research, https://law.counselstack.com/opinion/charman-v-cloud-based-personal-loan-locator-inc-casd-2024.