Citibank, N.A. v. Katz

2013 Ohio 1041
CourtOhio Court of Appeals
DecidedMarch 21, 2013
Docket98753
StatusPublished
Cited by18 cases

This text of 2013 Ohio 1041 (Citibank, N.A. v. Katz) is published on Counsel Stack Legal Research, covering Ohio Court of Appeals primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Citibank, N.A. v. Katz, 2013 Ohio 1041 (Ohio Ct. App. 2013).

Opinion

[Cite as Citibank, N.A. v. Katz, 2013-Ohio-1041.]

Court of Appeals of Ohio EIGHTH APPELLATE DISTRICT COUNTY OF CUYAHOGA

JOURNAL ENTRY AND OPINION No. 98753

CITIBANK, N.A., SUCCESSOR TO CITIBANK (SOUTH DAKOTA), N.A. PLAINTIFF-APPELLEE

vs.

HERBERT R. KATZ DEFENDANT-APPELLANT

JUDGMENT: AFFIRMED

Civil Appeal from the Cuyahoga County Court of Common Pleas Case No. CV-765906

BEFORE: Rocco, J., Boyle, P.J., and Jones, J.

RELEASED AND JOURNALIZED: March 21, 2013 -i-

FOR APPELLANT

Herbert R. Katz, pro se 26106 Fairmount Boulevard Beachwood, Ohio 44122

ATTORNEYS FOR APPELLEES

Melissa A. Hager James Oh Hilary Michael Javitch, Block & Rathbone, L.L.C. 1100 Superior Avenue, 19th Floor Cleveland, Ohio 44114 KENNETH A. ROCCO, J.:

{¶1} Defendant-appellant Herbert Katz appeals from the trial court’s decision

granting plaintiff-appellee Citibank, N.A., successor to Citibank (South Dakota), N.A.’s

(“Citibank’s”) motion for summary judgment in this action for recovery on a credit card

account. Raising two assignments of error, Katz argues that the trial court erred in

granting Citibank’s motion for summary judgment based the existence of genuine issues

of material fact involving Citibank’s claim and his counterclaims for breach of contract

and conspiracy to defraud. Katz also contends that the trial court abused its discretion in

granting his counsel’s oral motion to withdraw two weeks before the scheduled trial date.

Finding Katz’s assignments of error meritless, we affirm the trial court’s judgment.

{¶2} On July 18, 2011, Citibank filed a complaint against Katz in the Shaker

Heights Municipal Court seeking to collect $9,057.80, the amount Katz allegedly owed

on a credit card account he had maintained with Citibank. Katz filed a pro se Answer

and Counterclaim, denying the material allegations of the complaint and asserting claims

of breach of contract and conspiracy to defraud against Citibank. The demand of Katz’s

counterclaims exceeded the jurisdiction of the Shaker Heights Municipal Court, and the

case was transferred to the Cuyahoga County Court of Common Pleas.

{¶3} Citibank filed a motion for summary judgment on its claim and Katz’s

counterclaims, attaching copies of available account statements and an affidavit from a representative of Citibank’s servicing company, authenticating the statements. The

affidavit further established that Katz had maintained a credit card account with Citibank,

had used the account to purchase goods and services and/or receive cash advances, and

had failed to make required payments, thereby defaulting on the account. The affidavit

also stated the balance due on the account. Katz opposed Citibank’s motion with his

own affidavit in which he averred that he had paid his Citibank account as agreed until

Citibank “unilaterally changed” the terms of his account agreement as a result of Katz’s

“dispute with a separate entity” and “because of [disputed] information provided by

third-party credit bureau(s).”

{¶4} Determining that there were no genuine issues of material fact and that

Citibank was entitled to judgment as a matter of law, the trial court granted Citibank’s

motion, entering judgment against Katz on Citibank’s claim for recovery on the account

in the amount of $9,057.80, plus interest at the applicable statutory rate from the date of

judgment, and in favor of Citibank on Katz’s counterclaims. Katz appealed the trial

court’s judgment.

{¶5} Katz presents two assignments of error:

Assignment of Error No. 1:

The trial court erred in ruling that there are no genuine issues of material fact in dispute in this case, and, therefore, granting the motion for summary judgment of Citibank, N.A.

Assignment of Error No. 2: The trial court abused its discretion when ruling that counsel for Herbert R.

Katz could withdraw from the case without taking required steps to protect

the interest of Hebert R. Katz, and in violation of the court’s own rules, and

then ruling that Herbert R. Katz was “disingenuous” in objecting to the

court’s action without any basis for such ruling.

{¶6} In his first assignment of error, Katz argues that Citibank failed to present

sufficient evidence establishing its right to recover on Katz’s credit card account, that the

terms of the parties’ agreement were ambiguous, and that Citibank’s confusion regarding

the theory of recovery on which it was proceeding warranted denial of its summary

judgment motion. Katz further contends that his allegations of breach of contract and

conspiracy to defraud created genuine issues of material fact that should have precluded

summary judgment. We disagree.

{¶7} An appeal of a trial court’s ruling granting summary judgment is subject to a

de novo standard of review. Grafton v. Ohio Edison Co., 77 Ohio St.3d 102, 105,

1996-Ohio-336, 671 N.E.2d 241. We accord no deference to the trial court’s decision

and independently review the record to determine whether summary judgment is

appropriate.

{¶8} Under Civ.R. 56, summary judgment is appropriate when (1) no genuine

issue as to any material fact exists, (2) the party moving for summary judgment 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 reach only one conclusion that is adverse to the

nonmoving party.

{¶9} The moving party carries an initial burden of setting forth specific facts that

demonstrate his or her entitlement to summary judgment. Dresher v. Burt, 75 Ohio St.3d

280, 292-293, 662 N.E.2d 264 (1996). If the moving party fails to meet this burden,

summary judgment is not appropriate; if the moving party meets this burden, summary

judgment is appropriate only if the nonmoving party fails to establish the existence of a

genuine issue of material fact. Id. at 293.

{¶10} With respect to Citibank’s claim against Katz, we find that the trial court

properly held that Citibank was entitled to summary judgment based on a theory of

account stated.

{¶11} To recover money due on an account,

an account must show the name of the party charged and contain: (1) a beginning balance (zero, or a sum that can qualify as an account stated, or some other provable sum); (2) listed items, or an item, dated and identifiable by number or otherwise, representing charges, or debits, and credits; and (3) summarization by means of a running or developing balance, or an arrangement of beginning balance and items which permits the calculation of the amount claimed to be due.

Citibank (S.D.), N.A. v. Lesnick, 11th Dist. 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); see also Third Fed. Sav. Bank v. Cox, 8th Dist. No. 96871, 2012-Ohio-477, ¶

14; Brown v. Columbus Stamping & Mfg. Co., 9 Ohio App.2d 123, 223 N.E.2d 373 (10th

Dist.1967), paragraph three of the syllabus. {¶12} In support of its motion for summary judgment, Citibank submitted the

affidavit of Terri Ryning, vice president of Citicorp Credit Services, Inc. (USA), a

servicing company for Citibank, along with copies of the available monthly billing

statements for Katz’s account.

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