Diamond Resorts U.S. Collection Development, LLC, et al. v. Wesley Financial Group, LLC, et al.

CourtDistrict Court, E.D. Tennessee
DecidedNovember 26, 2025
Docket3:20-cv-00251
StatusUnknown

This text of Diamond Resorts U.S. Collection Development, LLC, et al. v. Wesley Financial Group, LLC, et al. (Diamond Resorts U.S. Collection Development, LLC, et al. v. Wesley Financial Group, LLC, et al.) is published on Counsel Stack Legal Research, covering District Court, E.D. Tennessee primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

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Diamond Resorts U.S. Collection Development, LLC, et al. v. Wesley Financial Group, LLC, et al., (E.D. Tenn. 2025).

Opinion

UNITED STATES DISTRICT COURT EASTERN DISTRICT OF TENNESSEE AT KNOXVILLE

DIAMOND RESORTS U.S. COLLECTION ) DEVELOPMENT, LLC, et al., ) ) Plaintiffs, ) ) v. ) No. 3:20-CV-251-DCLC-DCP ) WESLEY FINANCIAL GROUP, LLC, et al., ) ) Defendants. )

MEMORANDUM AND ORDER This case is before the Court pursuant to 28 U.S.C. § 636, the Rules of this Court, and Standing Order 13-02. Now before the Court is Plaintiffs’ Motion to Strike Antonio L. Argiz’s Supplemental Report as Untimely [Doc. 451-4]. Defendants responded in opposition to the motion [Doc. 457- 6]. Plaintiffs filed a reply [Doc. 465]. The motion is ripe for adjudication. See E.D. Tenn. L.R. 7.1(a). For the reasons stated below, the Court GRANTS the motion [Doc. 461-4]. I. BACKGROUND On January 29, 2024, the Court entered an Order, adopting the parties’ Stipulation to Extend Expert Disclosure Deadlines [Doc. 225]. Relevant here, the parties agreed, and the Court ordered, that Defendants would submit their expert disclosures on February 21, 2024 [Doc. 223 p. 1]. On February 21, 2024, Defendants served Antonio Argiz’s (“Mr. Argiz”) expert report (“First Report”) [Doc. 452-40]. Defendants retained Mr. Argiz to provide an opinion on “Plaintiffs’ claim of economic harm” [Id. ¶ 2 (footnote omitted)]. He opined: 19. Plaintiffs’ failure to produce the requested discovery by the Defendants precludes an appropriate evaluation of whether Wesley caused the claimed economic harm. 20. Public documents and discovery provided to me did not suggest that Diamond suffers significant financial harm from its existing customers who stop making payments on timeshare loans.

21. Diamond Resorts’ business model benefits from the recapture and resale of vacation owner interest (VOI) points.

[Id. ¶¶ 19–21]. Similarly, he stated: 28. Without access to relevant financial or operating documentation regarding the Wesley customer timeshare loans at issue or Diamond Resorts’ business model and financial results, I or other experts will not be able to appropriately evaluate whether any economic harm was caused by Wesley’s conduct.

32. From my inquiries of Counsel, I was advised that not all of Plaintiffs’ discovery has been received. With Plaintiffs’ failure to produce these types of financial and operational documentation, an independent expert cannot analyze nor determine whether Plaintiffs[] incurred any economic harm allegedly caused by Wesley’s conduct and related services provided to Diamond Resorts’ customers.

[Id. ¶¶ 28, 32 (footnote omitted)]. On November 1, 2024, Defendants served another report by Mr. Argiz (“Second Report”) [Doc. 452-41]. In the Second Report, he “perform[ed] a hypothetical portfolio analysis of the expected cash inflows that Diamond would receive from reselling all Wesley VOI Points from the Schedule with resold VOI financial loans” [Id. ¶ 43]. He opines: Based on my review of the Schedule and the Plaintiffs’ discovery produced to me with results from the hypothetical analyses requested by Counsel, the Schedule does not support a reasonably certain conclusion that the Plaintiffs sustained financial or economic harm or losses due to Wesley's alleged conduct.

[Id. ¶ 67].

Plaintiffs move to strike Mr. Argiz’s Second Report [Doc. 451-4]. They argue that the Second Report is not a proper supplement under Rule 26(e) of the Federal Rules of Civil Procedure [Id. at 6–9]. In addition, they submit that Defendants’ untimely disclosure of the Second Report is not harmless or substantially justified [Id. at 9–16]. Defendants respond in opposition to the motion [Doc. 457-6]. They outline the parties’ discovery disputes and the Court’s hearings addressing them [Id. at 11–18]. Defendants argue that

the relevant factors weigh in favor of denying Plaintiffs’ request [Id. at 19–23]. To the extent that the Court is inclined to strike the Second Report, Defendants request an extension of time under Rule 6(b)(1)(B) of the Federal Rules of Civil Procedure [Id. at 24–26]. Plaintiffs filed a reply, stating that Defendants “effectively concede[] that [Mr.] Argiz’s Second Report [Doc. 452-51] is untimely and not a proper supplement under Rule 26(e)” [Doc. 465 p. 2 (emphasis omitted)]. They argue that Defendants’ request under Rule 6 in a response brief is procedurally improper [Id. at 3–4]. But regardless, they claim that Defendants have not established excusable neglect for an extension [Id. at 4–9]. In addition, they assert that Defendants have not shown substantial justification and/or harmlessness for the late disclosure [Id. at 9–15]. II. ANALYSIS

As an initial matter, Rule 26(e)(2) of the Federal Rules of Civil Procedure sets forth the rule for supplementing discovery, including expert disclosures. Fed. R. Civ. P. 26(e)(2). While Defendants discuss the duty to supplement [see Doc. 457-6 pp. 18–19, 23–24], they do not argue that the Second Report is a supplementation. Given that, the Court finds the Second Report is not a supplemental report under Rule 26(e)(2), and therefore, it is untimely. See also Am. Nat. Propery & Cas. Co. v. Stutte, No. 3:11-CV-219, 2015 WL 2095868, at *4 (E.D. Tenn. May 5, 2015) (“If the three possible conclusions are ‘yes’, ‘no’, and ‘I can’t be sure’ and one goes from ‘I can’t be sure’ to ‘no’, as [the expert] did, he has rendered a different opinion.”). The Court will now turn to whether Mr. Argiz’s Second Report should be excluded. A. Rule 37 “If a party fails to provide information or identify a witness as required by Rule 26(a) . . . the party is not allowed to use that information or witness to supply evidence on a motion, at a hearing, or at a trial, unless the failure was substantially justified or is harmless.”

Fed. R. Civ. P. 37(c)(1); see also Roberts ex rel. Johnson v. Galen of Va., Inc., 325 F.3d 776, 782 (6th Cir. 2003) (explaining that Rule 37 requires “absolute compliance with Rule 26(a)” (Citations omitted)). The burden to show substantial justification or harmlessness is on the potentially sanctioned party. Roberts, 325 F.3d at 782. The Sixth Circuit has identified five factors to consider when assessing whether a party’s omitted or late disclosure is “substantially justified” or “harmless” as follows: “‘(1) the surprise to the party against whom the evidence would be offered; (2) the ability of that party to cure the surprise; (3) the extent to which allowing the evidence would disrupt the trial; (4) the importance of the evidence; and (5) the nondisclosing party’s explanation for its failure to disclose the evidence.’” Howe v. City of Akron, 801 F.3d 718, 747–48 (6th Cir. 2015) (quoting Russell v. Abs.

Collection Servs., Inc., 763 F.3d 385, 396–97 (4th Cir. 2014)). “District courts have broad discretion in applying these factors and need not apply each one rigidly. The factors simply lend themselves to the task at the heart of Rule 37(c)(1): separating ‘honest,’ harmless mistakes from the type of ‘underhanded gamesmanship’ that warrants the harsh remedy of exclusion.” Bisig v. Time Warner Cable, Inc., 940 F.3d 205, 219 (6th Cir. 2019) (quoting Bentley v.

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Diamond Resorts U.S. Collection Development, LLC, et al. v. Wesley Financial Group, LLC, et al., Counsel Stack Legal Research, https://law.counselstack.com/opinion/diamond-resorts-us-collection-development-llc-et-al-v-wesley-tned-2025.