Crockett v. WKM Automotive Inc

CourtDistrict Court, N.D. Illinois
DecidedMarch 21, 2025
Docket1:23-cv-14899
StatusUnknown

This text of Crockett v. WKM Automotive Inc (Crockett v. WKM Automotive Inc) is published on Counsel Stack Legal Research, covering District Court, N.D. Illinois primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Crockett v. WKM Automotive Inc, (N.D. Ill. 2025).

Opinion

UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF ILLINOIS EASTERN DIVISION

SADE CROCKETT, ) ) Plaintiff, ) ) Case No. 23-cv-14899 v. ) ) Judge April M. Perry WKM AUTOMOTIVE, INC., d/b/a ) MCGRATH KIA OF HIGHLAND ) PARK, FIFTH THIRD BANK N.A., DAVID ) BEKOV, TREVOR HANSEN, CITY OF ) HIGHLAND PARK, IL, ) ) Defendants. )

MEMORANDUM OPINION AND ORDER The claims in this case arise out of the wrongful arrest and prosecution of Plaintiff Sade Crockett (“Plaintiff”), an African American woman, for allegedly attempting to use a fraudulent check to buy a car. Defendants are the car dealership from which Plaintiff sought to buy the car, WKM Automotive, Inc., d/b/a McGrath Kia of Highland Park (“McGrath Kia”), the arresting officers, David Bekov (“Officer Bekov”) and Trevor Hansen (“Officer Hansen”), the City of Highland Park, and the bank which issued Plaintiff’s check, Fifth Third Bank, N.A. (“Fifth Third Bank”). All defendants but Officer Bekov and the City of Highland Park have filed motions to dismiss the claims against them pursuant to Federal Rule of Civil Procedure 12(b)(6). For the reasons set forth below, the motions to dismiss are granted in part and denied in part. BACKGROUND The below facts are drawn from the allegations in Plaintiff’s complaint, which for the purposes of the motions to dismiss the Court accepts as true, drawing all reasonable inferences in Plaintiff’s favor. See Killingsworth v. HSBC Bank Nev., N.A., 507 F.3d 614, 618 (7th Cir. 2007). On March 10, 2023, Plaintiff accompanied her cousin Enoch Graves (“Graves”) to a Fifth Third Bank retail branch in Chicago, Illinois. The purpose of their visit was to obtain a cashier’s check from Graves’ account to purchase Plaintiff a car for her birthday. At the bank, Plaintiff and Graves met with bank employees and shared the purpose of their visit. The bank employees said they could accommodate the request, and assured Plaintiff and Graves that a cashier’s check is

less susceptible to fraud than a personal check and that the check would clear. Plaintiff, Graves, and the bank employees then called McGrath Kia on speaker phone. During the call, Matt and Daniel, employees of McGrath Kia, said that the dealership would accept a cashier’s check as payment for a vehicle purchase. They communicated how much the check should be made out for and said that Graves would not need to accompany Plaintiff to the dealership for the purchase. Plaintiff was subsequently issued a cashier’s check and drove to the dealership without Graves. At the dealership, Plaintiff met Matt and Daniel and affirmed their earlier conversation. However, Plaintiff noticed a sense of unwelcomeness from Matt and Daniel and other employees

of McGrath Kia, who were predominantly white. After test driving one of the cars, Plaintiff was ready to purchase it. She gave Matt and Daniel the check she had been issued earlier that day, and Matt and Daniel took the check with them to the back of the dealership. Plaintiff presumes that at this point Matt and Daniel were calling Fifth Third Bank to validate the legitimacy of the check. Plaintiff further alleges, “on information and belief,” that during the call with the bank, Matt and Daniel “referenced Plaintiff’s race as African-American, did not contact the branch where the Check was drawn … and did not reference the earlier conversation” they had with Fifth Third Bank employees. Doc. 1 at 5. Plaintiff believes that in response, Fifth Third Bank falsely communicated to Matt and Daniel that the check was fraudulent and that they should call the police to arrest Plaintiff. Plaintiff alleges that this instruction was a deviation from Fifth Third Bank’s policy and practice of contacting the bank branch where a cashier’s check was drawn when the validity of a cashier’s check is in question, and Fifth Third Bank deviated from this policy and practice solely because

of Plaintiff’s race. Daniel called the police, although Plaintiff alleges that the dealership’s policy and practice is to return checks to customers and decline the sale if fraud is suspected. Plaintiff alleges that McGrath Kia deviated from this practice solely because of Plaintiff’s race. During the call, Daniel told the police dispatcher that an African American woman was at the dealership attempting to buy a car with a fraudulent check and McGrath Kia wanted her arrested. Shortly thereafter, two police officers, Officer Bekov and Officer Hansen, arrived at the dealership. They told Plaintiff that they were there to investigate her check, and she responded that the check was not fraudulent and attempted to tell them about her visit to the bank with

Graves. Plaintiff specified that the check was issued from Graves’ account, not hers. She also specified that she, representatives from the bank, and Matt and Daniel had reached an agreement regarding payment earlier that day. During this conversation, Plaintiff called Graves and pleaded with the officers to speak with him, but the officers declined. Officer Bekov then asked Plaintiff if she was from the area where the Fifth Third Bank branch was located (a predominantly African American neighborhood). She said yes, and Bekov responded in a condescending tone, stating “Oh you’re from Gresham, ok… .” Id. at 7. Plaintiff corrected him that she is from the Englewood area, and Officer Bekov indicated that he was familiar with that area too. Officer Bekov then stepped outside to call the Fifth Third Bank branch Plaintiff had visited earlier that day. During the call, Officer Bekov spoke to a representative named Carroll (not one of the employees Plaintiff had worked with earlier that day) and asked whether an account holder by the name of Sade Crockett had come in earlier to purchase a cashier’s check, as he was currently investigating a check-fraud call at the McGrath Kia dealership. Carroll said

that the check was probably not fraudulent, to which Officer Bekov replied “It could be, right.” Id. at 8. He then communicated that McGrath Kia had told the officers that Fifth Third Bank had earlier told McGrath Kia that the check was fraudulent. The representative responded that if McGrath Kia told them that the check was fraudulent, then the check was likely fraudulent because the bank did not have a customer named Sade Crockett, the bank’s systems were down so Carroll could not validate the check, no large cashier’s checks had been issued that day, and “they” (meaning people from neighborhoods like Plaintiff’s neighborhood) are probably using Plaintiff as a “tool” to purchase a vehicle with a fraudulent check. Id. Officer Bekov thanked Carroll for her time then expressed his agreement with her comments about “people from those

neighborhoods.” Id. Back in the dealership, Officer Bekov summarized his conversation with Carroll to Officer Hansen and stated that he believed Plaintiff’s check was fraudulent and that Fifth Third confirmed that Plaintiff’s check was fraudulent. Officer Hansen asked Officer Bekov which name he had provided to Fifth Third Bank. Instead of answering Officer Hansen’s question, Officer Bekov restated to Officer Hansen that Fifth Third Bank confirmed that Plaintiff’s check was fraudulent. Plaintiff was subsequently arrested and placed into custody in front of a large crowd. Plaintiff was detained overnight at the Highland Park police station and charged with felony forgery. During the criminal proceedings against her, Plaintiff suffered emotionally. Several online media outlets reported Plaintiff’s arrest. The case was continued without dismissal several times until in July 2023 when all charges against her were dismissed. On October 13, 2023, Plaintiff commenced this action. Her complaint includes numerous counts and claims per count.

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Crockett v. WKM Automotive Inc, Counsel Stack Legal Research, https://law.counselstack.com/opinion/crockett-v-wkm-automotive-inc-ilnd-2025.