Douglas v. Bank of America NA

District Court, W.D. Washington·Decided November 19, 2020·No. 2:20-cv-00193·Unknown

Opinion

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3 4 5 6 7 UNITED STATES DISTRICT COURT WESTERN DISTRICT OF WASHINGTON 8 AT SEATTLE

9 10 CLAIRE DOUGLAS, et al., CASE NO. C20-0193JLR 11 Plaintiffs, ORDER GRANTING MOTION v. TO AMEND AND DISMISS, 12 DENYING MOTION FOR CLASS CERTIFICATION, AND BANK OF AMERICA, N.A., et al., 13 DENYING MOTION TO STRIKE Defendants. 14

16 There are three motions before the court: (1) Plaintiffs Claire Douglas, Mary Joan 17 Isabell, Heather Carlon, and Gina Pawolski’s (collectively, “Plaintiffs”) motion to amend 18 and dismiss (see Mot. to Amend (Dkt. # 61)); (2) Plaintiffs’ motion for class certification 19 (see Mot. for Class. Cert. (Dkt. # 34)); and (3) Defendant Bank of America, N.A.’s 20 (“Bank of America”) motion to strike declarations filed with Plaintiffs’ motion for class 21 certification (Mot. to Strike (Dkt. # 75)). The three Defendants in this matter—Bank of 22 America, U.S. Bank National Association (“U.S. Bank”), and Key Corp.—oppose 1 Plaintiffs’ motion to amend and dismiss. (See U.S. Bank Resp. to Mot. to Amend (Dkt. 2 # 62); Key Corp. Resp. to Mot. to Amend (Dkt. # 65); Bank of America Resp. to Mot. to

3 Amend (Dkt. # 66).) Plaintiffs filed a separate reply to each Defendant’s response to the 4 motion to amend and dismiss. (Reply to Bank of America (Dkt. # 67); Reply to U.S. 5 Bank (Dkt. # 68); Reply to Key Corp. (Dkt. # 69).) Bank of America filed an opposition 6 to Plaintiffs’ motion for class certification.1 (Bank of America Resp. to Class Cert. (Dkt. 7 # 71).) Plaintiffs filed a reply to Bank of America’s opposition. (Class Cert. Reply (Dkt. 8 # 76).) Plaintiffs did not respond to Bank of America’s motion to strike. (See generally

9 Dkt.) The court has reviewed the motions, the parties’ submissions in support of and in 10 opposition to the motions, the relevant portions of the record, and the applicable law. 11 Being fully advised, the court GRANTS Plaintiffs’ motion to amend and dismiss, 12 DENIES Bank of America’s motion to strike as moot, and DENIES Plaintiffs’ motion for 13 class certification without prejudice.2

14 // 15

1 Key Corp. filed a response to the motion for class certification in which it noted that it 16 took no position on the motion because Plaintiffs were not attempting to certify a class against Key Corp. (See Key Corp. Resp. to Class Cert. (Dkt. # 74) at 1-2.) 17 2 Bank of America requests oral argument on Plaintiffs’ motion to amend and motion for 18 class certification (see Bank of America Resp. to Mot. to Amend at cover page; Bank of America Resp. to Class Cert. at cover page), but Plaintiffs and the other Defendants do not. Oral 19 argument is only necessary “when a party would suffer unfair prejudice as a result” of the court’s refusal to hear oral argument. Mahon v. Credit Bureau of Placer Cty. Inc., 171 F.3d 1197, 1200 20 (9th Cir. 1999) (citing Houston v. Bryan, 725 F.2d 516, 518 (9th Cir. 1984)). Parties suffer no prejudice when they have “provided the district court with complete memoranda of the law and evidence in support of their respective positions.” Mahon, 171 F.3d at 1200. Here, the issues 21 have been thoroughly briefed by the parties, and oral argument would not be of assistance to the court. See Local Rules W.D. Wash. LCR 7(b)(4). Accordingly, the court DENIES Bank of 22 America’s requests for oral argument. 2 This class action lawsuit pertains to the allegedly unsuccessful efforts of Plaintiffs

3 and the class they seek to represent to redeem bank bonds originally issued by Rainier 4 National Bank or Seattle-First National Bank (“the Bonds”). (See Mot. for Class Cert. at 5 1-2.) Ms. Douglas and Ms. Isabell initially filed suit against Bank of America in King 6 County Superior Court on November 21, 2019. (See Verification of State Ct. R. (Dkt. 7 # 8) at 1-2.) On December 20, 2019, Ms. Douglas and Ms. Isabell filed the operative 8 amended complaint and added Ms. Carlon and Ms. Pawolski as Plaintiffs, and U.S. Bank

9 and Key Corp. as Defendants. (See Am. Compl. (Dkt. # 1-1) at 1-3.) Key Corp. removed 10 the case to this court on February 7, 2020. (See Not. of Removal (Dkt. # 1).) 11 At a high level, Plaintiffs’ complaint alleges that Rainier National Bank or 12 Seattle-First National Bank issued the Bonds to Plaintiffs and members of the class. 13 (Am. Compl. ¶ 10.) After Rainier National Bank and Seattle-First National Bank issued

14 the Bonds, Defendants purchased those banks and their liabilities. (Id.) Specifically, 15 Plaintiffs allege that all three Defendants acquired portions of Rainier National Bank, and 16 that Bank of America acquired Seattle-First National Bank. (Id.) Plaintiffs claim that 17 Defendants are required to honor the Bonds as a result of their purchases of Rainier 18 National Bank and Seattle-First National Bank, but that Defendants have refused to do so

19 despite Plaintiffs’ redemption efforts. (Id.) Accordingly, Plaintiffs bring a breach of 20 contract claim and a claim under Washington’s Consumer Protection Act (“CPA”), RCW 21 ch. 19.86 against Defendants on behalf of the following proposed class: 22 // 1 All individuals who acquired a bank bond, bill, certificate, time deposit, CD, and multiple maturity non-negotiable time certificate of deposit (“Bond”) 2 from Seattle-First or Rainer [sic] Bank where the following conditions are met: (i) the Bond automatically renews unless redeemed or a notice of 3 nonrenewal is provided by the issuer under the terms of the Bond; (ii) the owner or legal beneficiary has not redeemed the Bond; and (iii) the owner or 4 legal beneficiary received no notification that the Bond was not being renewed, was abandoned, and/or had escheated to the State of Washington. 5 (Am. Compl. ¶¶ 11, 54-72.) 6 On May 13, 2020, Bank of America served discovery requests to Ms. Douglas that 7 specifically sought production of declarations from putative class members and copies of 8 any Bonds in putative class members’ possession. (See 8/17/20 Folger Decl. (Dkt. 9 # 66-2) ¶ 8, Ex. F at 12, 15.) On June 12, 2020, Ms. Douglas responded that she had no 10 declarations in her possession, custody, or control, and she produced a smattering of 11 documents that Bank of America alleges did not contain “a single financial instrument 12 from alleged putative class members.” (Bank of America Opp. to Mot. to Amend at 5; 13 8/17/20 Folger Decl. ¶ 10, Ex. G at 46, 51-53, DFI 000001-000121.) Pursuant to the 14 scheduling order in this case, class discovery closed on July 6, 2020. (Sched. Order (Dkt. 15 # 23) at 1.) Bank of America met and conferred with Plaintiffs on July 24, 2020 to 16 inquire about the availability of copies of Bonds and documents related to Bonds. (See 17 8/17/20 Folger Decl. ¶¶ 11-12, Ex. H at 4.) Plaintiffs’ counsel indicated that Plaintiffs 18 did not have copies of any of the Bonds at that time and indicated that putative class 19 member declarations and copies of Bonds would be produced on August 5, 2020. (See 20 id. ¶ 12; Reply to Bank of America at 6 n.6.) 21 // 22 1 On August 5, 2020—a month after the close of class certification discovery— 2 Plaintiffs filed two of the three motions currently before the court: the motion to amend

3 and dismiss and the motion for class certification. (See generally Mot. for Class Cert.; 4 Mot. to Amend; Sched. Order.) The motion for class certification seeks to certify a class 5 against only Bank of America. (See Mot. for Class Cert. at 6 n.2.) The motion is 6 accompanied by 28 declarations and 16 supplemental declarations from Ms. Isabell, Ms. 7 Douglas, and other prospective class members. (See Dkt. ## 37-59, 78, 96-99 8 (declarations), 77, 79-94 (supplemental declarations).) Twenty-six of the declarations are

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