Guzzetta v. Guzzetta

2024 Ohio 294
CourtOhio Court of Appeals
DecidedJanuary 29, 2024
DocketCA2023-06-064 CA2023-07-084
StatusPublished
Cited by2 cases

This text of 2024 Ohio 294 (Guzzetta v. Guzzetta) 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
Guzzetta v. Guzzetta, 2024 Ohio 294 (Ohio Ct. App. 2024).

Opinion

[Cite as Guzzetta v. Guzzetta, 2024-Ohio-294.]

IN THE COURT OF APPEALS

TWELFTH APPELLATE DISTRICT OF OHIO

BUTLER COUNTY

SUSAN GUZZETTA, et al., :

Appellants, : CASE NOS. CA2023-06-064 CA2023-07-084 : - vs - OPINION : 1/29/2024

ROBERT GUZZETTA, et al., :

Appellees. :

CIVIL APPEAL FROM BUTLER COUNTY COURT OF COMMON PLEAS Case No. CV 2019 07 1397

Barron, Peck, Bennie & Schlemmer, LPA, and Steven C. Davis, Charles L. Hinegardner, and Sarah M. Houseman, for appellants Susan Guzzetta and Bryce Guzzetta.

Dickinson Wright PLLC, and Jonathan R. Secrest, David A. Lockshaw, Jr., and Manuel D. Cardona, for appellee Jackson National Life Insurance Company.

S. POWELL, P.J.

{¶ 1} Appellants, Susan Guzzetta and Bryce Guzzetta, appeal the decision of the

Butler County Court of Common Pleas granting summary judgment in favor of appellee,

Jackson National Life Insurance Company ("Jackson"), in this case in which they allege

an interference with their inheritance. For the reasons outlined below, we affirm the trial Butler CA2023-06-064 CA2023-07-084

court's decision.

Introduction

{¶ 2} Susan and Bryce are descendants of Dr. Franklin H. Guzzetta, who passed

away on March 3, 2019. Franklin, a long-time resident of Butler County, Ohio, was 85

years old at the time of his passing. Franklin was survived by his wife, Fay, as well as his

two adult children, and his three adult grandchildren. Susan is one of Franklin's two

surviving adult children, whereas Bryce is one of Franklin's three surviving adult

grandchildren.1 There is no dispute that Franklin suffered from memory loss, late-stage

dementia, and Alzheimer's disease in the approximate two years leading to his death.

There is also no dispute that, prior to the onset of those conditions, a power of attorney

was executed that included Franklin's notarized signature and driver's license naming his

other surviving adult child, Susan's brother and Bryce's uncle, Robert Guzzetta, as his

primary agent.

{¶ 3} During his lifetime, Franklin established five annuity accounts with

Jackson.2 The five accounts Franklin established with Jackson were given the last four

digits of 8529, 4991, 9876, 4501, and 5850. There is no dispute that, on the applications

executed by Franklin to establish each of those five accounts, Franklin checked a box

authorizing Jackson "to accept fund transfers/allocation changes via telephone, internet,

or other electronic medium" from either himself or his then financial representative, Kevin

Flynn, "subject to Jackson's administrative procedures." There is also no dispute that

Jackson included on each of the five applications Franklin executed a provision that

stated, in pertinent part, the following:

1. Susan is Bryce's mother.

2. Franklin applied for the five annuity accounts he ultimately established with Jackson in the approximately three-and-one-half years between December 4, 2009 and July 8, 2013. -2- Butler CA2023-06-064 CA2023-07-084

Jackson has administrative procedures that are designed to provide reasonable assurances that telephone/electronic authorizations are genuine. If Jackson fails to employ such procedures, it may be held liable for losses resulting from a failure to use such procedures.

{¶ 4} The record indicates that Susan and Bryce were, at one time or another,

some of the intended beneficiaries of the five annuity accounts Franklin had established

with Jackson. This case involves Susan's and Bryce's challenge to various asset

transfers from those five accounts purportedly made by their brother and uncle, Robert.3

Despite the record indicating Franklin had authorized Jackson to release account

information to Robert some five years prior to his death, Susan and Bryce allege that the

various asset transfers Robert supposedly made from Franklin's accounts were

fraudulent and that Jackson was complicit in such fraud. This is because, as Susan and

Bryce later alleged as part of their summary judgment motion, Jackson "recklessly

ignored and disregarded their own policies and procedures," as well as Robert's "obvious

forgeries, impersonations and countless red flags of impropriety," thereby allowing Robert

to fraudulently receive over a million dollars in Franklin's assets despite Jackson being

"appropriately situated to safeguard and protect the estates of their customers" against

such acts.

Facts and Procedural History

{¶ 5} On September 30, 2021, Susan and Bryce (hereinafter, the "Guzzettas")

filed a complaint naming Jackson as a defendant.4 The Guzzettas' complaint contained

3. There are a total of 26 transfers at issue, 21 of which occurred during Franklin's lifetime, with the other five being triggered as a result of Franklin's death.

4. The complaint filed by the Guzzettas on September 30, 2021 was their second amended complaint and the first that named Jackson as a defendant. The filing contains 1,197 numbered paragraphs over 147 pages, plus exhibits. For ease of discussion, we will refer to this filing within this opinion as "complaint" rather than "second amended complaint." -3- Butler CA2023-06-064 CA2023-07-084

several causes of action spread across 18 separate counts. These causes of action

included, but were not limited to, allegations of fraud, unjust enrichment, conversion,

breach of contract, intentional spoliation of evidence, negligent misrepresentation, and

theft. These claims, to the varying degrees in which they were pled, were brought against

several different individuals and the numerous financial institutions Franklin had done

business with prior to his death. Besides Jackson, this also included Susan's brother and

Bryce's uncle, Robert, Robert's two adult children, John Guzzetta and Ann Sarah

Guzzetta, as well as MidUSA Credit Union, JP Morgan Chase Bank, PNC Bank,

Prudential Insurance, and Northwestern Mutual Insurance.

{¶ 6} Of those 18 separate counts, the Guzzettas set forth several causes of

action targeting Jackson by name. This included Count 4, conversion, in paragraphs

1001 through 1009, Count 14, negligence, in paragraphs 1116 through 1123, and Count

18, a cause of action the Guzzettas' entitled "Bad Faith," in paragraphs 1171 through

1176. The most significant of those causes of action, however, was set forth in Count 13,

breach of contract, which stated, in its entirety, the following:

COUNT XIII

(Breach of Contract)

1073. Plaintiffs reallege the above allegations as if fully rewritten herein.

1074. Franklin Guzzetta had five valid contracts with Jackson.

1075. Plaintiffs were intended beneficiaries of Franklin's Jackson Accounts.

1076. Jackson owed a duty of good faith and fair dealing to Franklin, Plaintiff, Susan Guzzetta, and Plaintiff, Bryce Guzzetta.

1077. Jackson breached this duty when it allowed an unauthorized user to make unauthorized transfers and

-4- Butler CA2023-06-064 CA2023-07-084

changes to Franklin's accounts, to Plaintiffs (sic) detriment.

1078. Plaintiffs incurred damages resulting proximately from Jackson's breaches.

{¶ 7} On December 15, 2021, Jackson filed a Civ.R. 12(B)(6) motion to dismiss

the Guzzettas' various claims levied against it, including the Guzzettas' breach of contract

claim.

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Bluebook (online)
2024 Ohio 294, Counsel Stack Legal Research, https://law.counselstack.com/opinion/guzzetta-v-guzzetta-ohioctapp-2024.