1 2 3
4 5 UNITED STATES DISTRICT COURT 6 WESTERN DISTRICT OF WASHINGTON AT SEATTLE 7 TAMIE JENSEN, CASE NO. C24-0727-KKE 8
Plaintiff(s), ORDER DENYING DEFENDANT’S 9 v. MOTION TO DISMISS AND/OR STRIKE
10 CAPITAL ONE FINANCIAL CORPORATION, 11
Defendant(s). 12
Plaintiff Tamie Jensen received a text message from a contact, containing content prepared 13 by Defendant Capital One Financial Corporation as part of its “Refer a Friend” credit-card 14 promotion. Dkt. No. 1 ¶ 38. Jensen filed this lawsuit against Capital One, claiming that the 15 transmission of this commercial text message violates Washington’s Commercial Electronic Mail 16 Act (“CEMA”) and therefore violates Washington’s Consumer Protection Act (“CPA”) as well. 17 Id. ¶¶ 49–74. 18 Capital One filed a motion to dismiss, contending that Jensen’s claims fail for a number of 19 reasons: (1) because Capital One is immune under Section 230 of the Communications Decency 20 Act (“CDA”) from liability for text messages it did not directly send; (2) because Jensen’s claims 21 seek to interfere with Capital One’s power to advertise and market its credit cards, and are therefore 22 preempted by the National Bank Act (“NBA”); and (3) because Jensen has failed to state a CEMA 23 claim because she has failed to allege that Capital One either initiated the text message or 24 1 substantially assisted in transmitting the message. Dkt. No. 15 at 16–29.1 The Court rejects each 2 of these contentions and will therefore deny Capital One’s motion to dismiss. 3 Capital One’s motion also contains a request to strike Jensen’s class allegations because 4 the proposed class lacks commonality and is improperly defined in “fail-safe” terms. Dkt. No. 15 5 at 29–33. Although the Court is sympathetic to Capital One’s concerns, the Court declines to rule 6 at this time that, as a matter of law, this case cannot be maintained as a class action. Rather, the 7 Court will consider this issue as necessary at the class-certification stage. 8 Accordingly, the Court will deny Capital One’s motion to dismiss and motion to strike. 9 I. BACKGROUND2 10 Capital One is a banking company that offers, among other things, credit cards, and 11 promotes its credit cards via a “Refer a Friend” program. Dkt. No. 1 ¶ 14. The “Refer a Friend” 12 program asks existing credit cardholders to send a text message to their contacts that includes a
13 referral link created by Capital One. Id. ¶ 15. If the friend uses the link to sign up for a credit 14 card, the sender receives a bonus award. Id. 15 The “Refer a Friend” program can be accessed via Capital One’s mobile app or its website. 16 Dkt. No. 1 ¶¶ 16, 18. If users click the referral button on either the app or the website, Capital One 17 then generates a referral link, composes an editable text message, and directs the user to copy and 18 paste that message with the link to their contacts. Id. ¶¶ 16–21. On the app, underneath the referral 19 button reads: “You confirm you have consent to send text messages to each recipient. You may 20 edit the pre-filled message as desired.” Id. ¶ 34. The website referral button is not accompanied 21 22
23 1 This order refers to the parties’ briefing using CM/ECF page numbers.
2 The background facts are taken from the complaint (Dkt. No. 1) and assumed to be true for purposes of this 24 motion. 1 by these statements nor is there any other reference to consent on the website version of the “Refer 2 a Friend” program. Id. 3 Jensen received a “Refer a Friend” text from one of her contacts, and responded “Stop
4 sending me these.” Dkt. No. 1 ¶ 39. The text message she received had not been edited by her 5 contact before she received it; it contained only the pre-filled content composed by Capital One. 6 Id. ¶ 40. She filed this putative class-action lawsuit on behalf of herself and others who received 7 a “Refer a Friend” text message to their cell phone number while residing in Washington without 8 having given advance clear and affirmative consent. See id. ¶ 42. 9 Capital One filed a motion to dismiss and/or strike the class allegations. Dkt. No. 15. After 10 considering the parties’ briefing and the oral argument of counsel, the Court denies the motion for 11 the following reasons. 12 II. ANALYSIS
13 A. Legal Standards on a Motion to Dismiss for Failure to State a Claim 14 In evaluating a motion to dismiss under Federal Rule of Civil Procedure 12(b)(6), a court 15 examines the complaint to determine whether, assuming the facts alleged are true, the plaintiff has 16 stated “a claim to relief that is plausible on its face.” Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009) 17 (quoting Bell Atl. Corp. v. Twombly, 550 U.S. 544, 570 (2007)). A claim is plausible if the plaintiff 18 pleads “factual content that allows the court to draw the reasonable inference that the defendant is 19 liable for the misconduct alleged.” Id. 20 B. Capital One Is Not Entitled to Immunity Under Section 230 of the CDA.
21 “Section 230 of the CDA immunizes providers of interactive computer services against 22 liability arising from content created by third parties[.]” Fair Hous. Council of San Fernando 23 Valley v. Roommates.Com, LLC, 521 F.3d 1157, 1162 (9th Cir. 2008) (footnotes omitted). 24 Specifically, the CDA provides that “[n]o provider or user of an interactive computer service shall 1 be treated as the publisher or speaker of any information provided by another information content 2 provider,” and expressly preempts any contrary state law. 47 U.S.C. §§ 230(c)(1), (e)(3). “The 3 majority of federal circuits have interpreted the CDA to establish broad ‘federal immunity to any
4 cause of action that would make service providers liable for information originating with a third- 5 party user of the service.’” Perfect 10, Inc. v. CCBill LLC, 488 F.3d 1102, 1118 (9th Cir. 2007) 6 (quoting Almeida v. Amazon.com, Inc., 456 F.3d 1316, 1321 (11th Cir. 2006)). 7 The “two basic policy reasons” for Section 230 immunity are “to promote the free 8 exchange of information and ideas over the Internet and to encourage voluntary monitoring for 9 offensive or obscene material.” Carafano v. Metrosplash.com, Inc., 339 F.3d 1119, 1122 (9th Cir. 10 2003). 11 In passing section 230, Congress sought to … allow[] [interactive computer services] to perform some editing on user-generated content without thereby 12 becoming liable for all defamatory or otherwise unlawful messages that they didn’t edit or delete. In other words, Congress sought to immunize the removal of user- 13 generated content, not the creation of content[.]
14 Roommates, 521 F.3d at 1163. The text of Section 230 itself explains that it is the “policy of the 15 United States” “to promote the continued development of the Internet and other interactive 16 computer services[,]” “to preserve the vibrant and competitive free market that presently exists for 17 the Internet and other interactive computer services,” and “to remove disincentives for the 18 development and utilization of blocking and filtering technologies that empower parents to restrict 19 their children’s access to objectionable or inappropriate online material[.]” 47 U.S.C. § 230(b)(1), 20 (2), (4). 21 A claim should be dismissed under Section 230 if (1) the defendant is an “interactive 22 computer service” provider or user, (2) the allegedly offending content was “provided by another 23 information content provider,” and (3) the plaintiff’s state-law claim treats the defendant as the 24 “publisher” or “speaker” of that content. Barnes v. Yahoo!, Inc., 570 F.3d 1096, 1100–01 (9th Cir. 1 2009). Capital One contends that Jensen’s claims satisfy all three requirements. Dkt. No. 15 at 2 17. Jensen does not dispute that the first and third requirements are satisfied; she only disputes the 3 second. Dkt. No. 34 at 10.
4 Although the second element of Section 230 immunity requires that Jensen’s claims against 5 Capital One complain of content provided by a third party, Jensen contends that she complains of 6 content provided—either entirely or mostly—by Capital One, not by a third party (the consumer). 7 Dkt. No. 34 at 10–11. Her complaint confirms this, as it repeatedly alleges that Capital One 8 composed the offending text messages. See, e.g., Dkt. No. 1 ¶¶ 24, 25, 28, 40. Jensen alleges that 9 she received a message that was composed entirely by Capital One. Id. ¶¶ 39, 40. Although 10 Capital One emphasizes that senders retain the ability to modify the content of the “Refer a Friend” 11 texts (Dkt. No. 36 at 7), Jensen herself received a text that was not modified. See Dkt. No. 1 ¶¶ 22, 12 38. Capital One nonetheless argues that because it merely provided suggested language, and its
13 customers retained control over whether to or what to text to their friends, Capital One should not 14 be liable for the text messages and language that its customers chose to send, as in Carafano. Dkt. 15 No. 36 at 7. 16 That case is distinguishable, however. In Carafano, the defendant was an online dating 17 site that required consumers to complete a multiple-choice survey in order to create a profile on 18 the site. 339 F.3d at 1121. The site created the survey, but the answers were provided by the 19 consumer. Id. A consumer created a false and defamatory profile for a celebrity that also revealed 20 the celebrity’s home address and telephone number, which allowed members of the public who 21 accessed her profile to threaten and harass her. Id. The celebrity sued the site for publishing the 22 false and defamatory profile, and the Ninth Circuit held that, although the site required its users to
23 complete the survey, because the site did not play a significant role in creating, developing, or 24 1 transforming the relevant information—the defamatory information—the dating site was immune 2 under Section 230 for liability arising from that content. Id. at 1125. 3 Here, however, the offending content is the text itself—and, for purposes of the alleged
4 CEMA violation, the referral link is the operative language—which was composed in its entirety 5 by Capital One, at least with respect to the text Jensen received. Because Jensen alleges that 6 Capital One is the sole author of the content of the text that she received, Capital One is not alleged 7 to be merely the passive conduit of content created by others. See Roommates, 521 F.3d at 1162 8 (explaining that a defendant website can be an immune service provider if “it passively displays 9 content that is created entirely by third parties,” but is a non-immune content provider “as to 10 content that it creates itself, or is ‘responsible in whole or in part’ for creating or developing”). 11 Furthermore, the purpose of Section 230 immunity—to encourage Internet service 12 providers to voluntarily monitor and edit user-generated speech in internet traffic—would not be
13 served by protecting Capital One from liability in this case. Capital One has not shown that it is 14 entitled to Section 230 immunity for text messages forwarded by its customers that it authored 15 entirely itself, and thus the Court finds that the CDA does not provide a basis for dismissing 16 Jensen’s claims. 17 C. Jensen’s Claims Are Not Preempted by the NBA. 18 Federally chartered banks3 have the power “[t]o exercise … all such incidental powers as 19 shall be necessary to carry on the business of banking.” 12 U.S.C. § 24. One of these incidental 20 powers is the power to market and advertise any product that the bank lawfully offers. See 21 Franklin Nat’l Bank of Franklin Square v. New York, 347 U.S. 374, 377 (1954). Under the NBA, 22 3 It appears that Defendant Capital One Financial Corporation is not a national bank, but it operated the “Refer a 23 Friend” program on behalf of a national bank, Capital One, N.A. See Dkt. No. 15 at 22–23. Although Jensen opposes Capital One’s argument that the NBA preempts CEMA, she does not contest Capital One’s argument that the NBA could apply to its activities at issue here although it is not a federal bank. See Dkt. No. 34 at 14–18. The Court 24 therefore assumes as much for purposes of resolving Capital One’s motion. 1 “state laws of general application continue to apply to national banks when ‘doing so does not 2 prevent or significantly interfere with the national bank’s exercise of its powers.’” Gutierrez v. 3 Wells Fargo Bank, NA, 704 F.3d 712, 722 (9th Cir. 2012) (quoting Barnett Bank of Marion Cnty.,
4 N.A. v. Nelson, 517 U.S. 25, 33 (1996)); see also Watters v. Wachovia Bank, N.A., 550 U.S. 1, 11 5 (2007) (“Federally chartered banks are subject to state laws of general application in their daily 6 business to the extent such laws do not conflict with the letter or purposes of the NBA.”). There 7 is no bright line between significant and insignificant interference; in order to determine whether 8 a state law regulating national banks is preempted, a court “must make a practical assessment of 9 the nature and degree of the interference caused by a state law.” Cantero v. Bank of Am., N.A., 10 602 U.S. 205, 219–20 (2024). 11 Here, the parties do not dispute that national banks have the incidental power to advertise 12 their products, and that CEMA represents a restriction on Capital One’s ability to advertise its
13 credit cards. See Dkt. No. 15 at 23, Dkt. No. 34 at 15. The parties disagree about whether that 14 restriction is significant, however. Capital One argues that “text messaging is a leading means of 15 communication in today’s environment, and cutting it off is a significant form of interference with 16 Capital One’s protected power to advertise.” Dkt. No. 36 at 11. Capital One goes on to contend 17 that it cannot comply with CEMA because it is “practically impossible for [it] to obtain non- 18 customers’ ‘advance, clear, affirmative consent’ to commercial outreach, without first performing 19 that very sort of outreach.” Id. (citations omitted). Thus, Capital One contends that requiring it to 20 comply with CEMA “effectively forecloses commercial referral advertising … to non-customers 21 via text message” and therefore it is preempted under the NBA. Id. 22 Capital One suggests (Dkt. No. 15 at 23) that any attempt by a state to prevent a national
23 bank from advertising its products is “the paradigmatic example of significant interference.” 24 Cantero, 602 U.S. at 216 (referencing Franklin, 347 U.S. at 374). Franklin does not stand for the 1 proposition that any advertising restriction is preempted, however. Franklin involved a state law 2 that prohibited banks from using the words “saving” or “savings” in its advertisements or business, 3 which significantly interfered with the banks’ ability to advertise effectively its federal power to
4 receive savings deposits. See Franklin, 347 U.S. at 378. Without the ability to use an adjective 5 that was the “commonly understood description” selected by Congress to describe a bank’s power, 6 the bank’s ability to exercise that federal power was significantly impaired. Id. 7 If Franklin represents the preemption end of the spectrum, at the non-preemption end of 8 the spectrum the Court finds Anderson Nat’l Bank v. Luckett, 321 U.S. 233 (1944). In that case, 9 state law required banks to turn over abandoned deposits to the state. Id. at 238. The Anderson 10 court found that this requirement did not significantly impair a national bank’s power to collect 11 and pay deposits, because banks are generally obligated to pay the deposits “to the persons entitled 12 to demand payment according to the law of the state where it does business.” Id. at 248–49. The
13 Court concluded that a state law permitting the state to demand payment of abandoned accounts 14 did not therefore “impose an undue burden on the performance of the banks’ functions.” Id. at 15 248. 16 The Court finds that CEMA is much closer to the Anderson end of the spectrum than the 17 Franklin end. CEMA restricts the ability of all actors (not only banks) to engage in an act defined 18 to be an unfair or deceptive practice. In this way, it prohibits Capital One “from conducting a 19 discre[te] banking activity in a certain manner” and “[t]he manner of prohibited conduct is not 20 aimed at or specific to the banking industry. To the contrary the law simply require[s] all actors 21 to conform to a generally applicable code of conduct regardless of the nature of their business.” 22 Mann v. TD Bank, N.A., No. 09-1062 (RBK/AMD), 2009 WL 3818128, at *5 (D. N.J. Nov. 12,
23 2009). CEMA’s generally applicable restrictions on the manner of advertising would not restrict 24 all forms of Capital One’s advertising, as did the prohibition on the use of the word “savings” in 1 Franklin; as noted by Jensen, not even all forms of advertising via text message would be 2 restricted. See Dkt. No. 34 at 16 (suggesting that Capital One would not violate CEMA if its 3 customers were required to “affirmatively check a box to verify that they obtained the legally
4 required consent”). Although Capital One may prefer to advertise in its chosen manner, rather 5 than in a CEMA-compliant manner, it has not cited authority indicating that CEMA’s restrictions 6 are significant to the degree that they are preempted. See, e.g., Gutierrez, 704 F.3d at 727–28 7 (finding that a state law prohibiting misleading business practices was not preempted to the extent 8 that it required national banks to explain to customers how they calculated overdraft fees). 9 Accordingly, the Court finds that requiring Capital One to comply with CEMA would not 10 significantly impair its ability to advertise its credit cards, and thus finds no preemption here. 11 D. Jensen Has Stated Claims for Violation of CEMA and the CPA. 12 The parties agree that Jensen’s CPA claim and CEMA claim rise and fall together (Dkt.
13 No. 1 ¶ 73, Dkt. No. 15 at 24), and the Court will therefore address them together in this order. 14 CEMA imposes liability for persons conducting business in Washington who “initiate” or 15 “assist” in transmitting a commercial text message to a telephone number assigned to a 16 Washington resident’s cell phone. WASH. REV. CODE § 19.190.060(1). CEMA defines “assist the 17 transmission” of a text message to refer to the provision of “substantial assistance or support which 18 enables any person to formulate, compose, send, originate, initiate, or transmit” a commercial text 19 message “when the person providing the assistance knows or consciously avoids knowing that the 20 initiator of the [text message]” will or intends to violate the CPA. WASH. REV. CODE 21 § 19.190.010(1). CEMA defines the practice of sending such a commercial text message as “an 22 unfair or deceptive act in trade or commerce and an unfair method of competition for the purpose
23 of applying the [CPA].” WASH. REV. CODE § 19.190.060(2). 24 1 Jensen’s complaint alleges that Capital One assisted in their customers’ transmission of 2 commercial text messages that violate CEMA, or that, in addition or in the alternative, Capital One 3 initiated the text messages through its agents (its customers). Dkt. No. 1 ¶¶ 22–29. Capital One
4 essentially concedes that it assisted its customers in transmitting a text message, but contends that 5 the assistance it provided was not “substantial.” Dkt. No. 15 at 26. The Court disagrees, for the 6 following reasons.4 7 Jensen’s complaint contains allegations that could support a finding that Capital One 8 substantially assisted its customers in formulating, composing, and sending commercial text 9 messages, by generating a referral link and other content of a text message that customers are asked 10 to copy and send to their contacts. See Dkt. No. 1 ¶¶ 14–22, 28 (describing the process by which 11 a Capital One consumer creates and sends a text message via the “Refer a Friend” program). 12 Although Capital One emphasizes the part of the process that is outside its control (when to send 13 messages, who to send messages to, whether Capital One’s provided language should be edited or 14 sent as is), those arguments go to the merits of a CEMA claim, rather than the sufficiency of 15 Jensen’s allegations. See Dkt. No. 15 at 24–25. Because the complaint contains allegations that 16 could support a finding that Capital One provided substantial assistance in the sending of the text 17 message Jensen received, her complaint is sufficient as to that theory. See Bottoms v. Block, Inc., 18 No. 23-1969 MJP, 2024 WL 1931690, at *4 (W.D. Wash. May 2, 2024) (finding defendant’s 19 assistance to be substantial where it created a process of “easy steps for users to follow in order 20 for the referral message to be sent”); Moore v. Robinhood Fin. LLC, No. 2:21-cv-01571-BJR, 2022 21 WL 3082969, at *4 (W.D. Wash. Aug. 3, 2022) (finding substantial assistance although defendant 22 4 Because the Court finds that Jensen’s complaint states a CEMA claim under a theory of substantial assistance, the 23 Court need not assess whether the initiation/agency theory is also plausible. See Fed. R. Civ. P. 8(d)(2); Floyd Blinsky Trucking, Inc. v. Navistar, Inc., No. C15-5467 BHS, 2020 WL 7043299, at *2 (W.D. Wash. Dec. 1, 2020) (finding it improper to dismiss an alternate theory of liability via a motion to dismiss for failure to state a claim, where one theory 24 has been sufficiently pleaded). 1 did not retain full control over their customers’ final text messages, because it “developed and 2 ordered the entire ‘chain of events’ leading to the messages’ formulation and transmission”); 3 Wright v. Lyft, Inc., No. 2:14-CV-00421 MJP, 2016 WL. 7971290, at *4 (W.D. Wash. Apr. 15,
4 2016) (finding a defendant’s assistance to be substantial where plaintiff alleged that defendant 5 started off “a chain of events” that led to the transmission of a commercial text message). 6 Capital One acknowledges that courts in this district have rejected arguments similar to its 7 arguments here. Dkt. No. 15 at 27. Pointing to Frank v. Cannabis & Glass, LLC, No. 2:19-cv- 8 00250-SAB, 2019 WL 4855378 (E.D. Wash. Oct. 1, 2019), Capital One attempts to distinguish 9 those cases on the basis that Capital One maintained less control over the transmission process in 10 the texts at issue here. Dkt. No. 15 at 27. The Court is not persuaded. In Frank, the defendant 11 created software that allowed a business to compose and initiate commercial text messages to its 12 customers, but the defendant did not itself compose the text messages or create a process by which
13 the customers were encouraged and incentivized to send the messages, as did Capital One here. 14 See 2019 WL 4855378, at *2. Rather, the assistance provided by Capital One is orders of 15 magnitude greater than the defendant provided in Frank, where the court found that the defendant 16 provided “some form of assistance” to the business in sending text messages, but that the assistance 17 described by plaintiff was not “substantial.” Id. at *3. 18 Capital One also attempts to distinguish Bottoms and Moore on the grounds that on its 19 mobile app, it notified its customers that it should only send texts to people who have consented 20 to receive the text messages, and thus falls outside the statutory definition of one that provides 21 substantial assistance. Dkt. No. 15 at 27. Capital One asserts that these “affirmative steps to 22 confirm that recipients had consented” indicate that Capital One did not know or avoid knowing
23 that the text messages would be sent without consent. Dkt. No. 36 at 12. Capital One’s description 24 of the notice is only partially accurate: the notice on the mobile app indicates that the customer 1 should have received consent to send “text messages” to the recipient, but not that the customer 2 should have received consent to send this particular commercial text message. See Dkt. No. 1 3 ¶¶ 34–35. Although Capital One suggested at oral argument that a “natural” reading of the notice
4 would tell its customers to send a text message only with the consent of the recipient with respect 5 to that particular message (Dkt. No. 39 at 17), the Court concludes the opposite. See Dkt. No. 1 6 ¶ 34 (“You confirm you have consent to send text messages to each recipient.”). The plain 7 language of the notice, by referring to text messages in the plural, suggests that the consent at issue 8 is the consent to send text messages in general, rather than this particular text message. Id. 9 In any event, the Court finds that Capital One’s incomplete notice in its mobile app (and 10 complete lack of notice on its website) does not undercut the sufficiency of Jensen’s allegations 11 supporting her CEMA claim, namely that Capital One provided substantial assistance as defined 12 in the statute to its customers in the transmission of commercial text messages. The Court
13 accordingly denies Capital One’s motion to dismiss this claim. 14 E. The Court Denies as Premature Capital One’s Motion to Strike Jensen’s Class Allegations. 15 In order to certify a class, a court must find that “the questions of law or fact common to 16 class members predominate over any questions affecting only individual members, and that a class 17 action is superior to other available methods for fairly and efficiently adjudicating the 18 controversy.” Fed. R. Civ. P. 23(b)(3). Jensen’s complaint provides a non-exclusive list of three 19 “questions of law and fact common to the proposed class”: (1) whether Capital One’s “Refer a 20 Friend” text messages are commercial in nature, (2) whether Capital One violated CEMA/CPA, 21 and (3) whether class-wide injunctive relief is necessary to prevent harm to Jensen and other class 22 members. Dkt. No. 1 ¶ 46. The complaint also alleges that “individual litigation of each claim is 23 impractical” and would be “unduly burdensome[.]” Id. ¶ 48. 24 1 Capital One argues that these allegations are insufficient to establish commonality and 2 moves to strike them under Federal Rule of Civil Procedure 12(f). This rule allows a court to strike 3 “redundant, immaterial, impertinent, or scandalous matter” from a pleading in order to “avoid the
4 expenditure of time and money that must arise from litigating spurious issues by dispensing with 5 those issues prior to trial.” Whittlestone, Inc. v. Handi-Craft Co., 618 F.3d 970, 973 (9th Cir. 2010) 6 (cleaned up). Capital One contends that Jensen’s class allegations should be stricken for two 7 related reasons: (1) the putative class lacks commonality, and (2) the class is defined using “fail- 8 safe” terms. Dkt. No. 15 at 29–33. Because the class is defined as people who received a “Refer 9 a Friend” message without having provided advance clear and affirmative consent, Capital One 10 contends that the facts regarding consent for each class member will be different and thus warrant 11 individualized investigation. Id. at 30. Under these circumstances, where “intensely factual 12 questions will dominate each class member’s claim[,]” Capital One argues that the putative class
13 lacks commonality. Id. In the alternative, Capital One argues that because membership in the 14 putative class “is tied to the ultimate question of liability[,]” Jensen’s complaint creates an 15 impermissible fail-safe class. Id. at 31–32 (quoting Cashatt v. Ford Motor Co., No. 3:19-cv- 16 05886, 2021 WL 1140227, at *3 (W.D. Wash. Mar. 24, 2021)). 17 The Court understands Capital One’s concerns regarding the potential need for 18 individualized investigation, the likelihood that Jensen’s class definition is impermissibly fail-safe 19 and/or circular, and the difficulty of ascertaining class members—but finds that these questions 20 should not be resolved now. Rule 12(f) motions are generally disfavored as a delay tactic, and 21 especially disfavored with respect to class allegations “because the shape and form of a class action 22 evolves only through the process of discovery.” Adan v. Swedish Health Servs., No. 2:23-cv-
23 01266-TL, 2024 WL 2398208, at *4 (W.D. Wash. May 23, 2024) (quoting Hoffman v. Hearing 24 Help Express, Inc., No. C19-5960, 2020 WL 4729176, at *2 (W.D. Wash. Mar. 27, 2020)). 1 “District courts—especially in this district—regularly find that ‘a motion for class certification is 2 a more appropriate vehicle for arguments about class propriety.’” Wilmuth v. Amazon.com Inc., 3 No. 2:23-cv-01774-JNW, 2024 WL 5088337, at *4 (W.D. Wash. Dec. 12, 2024) (quoting Hoffman
4 2020 WL 4729176, at *2, and collecting cases). 5 Although Capital One emphasizes that there are exceptions to this general rule (Dkt. No. 6 36 at 13), it has not shown the Court that this case is such an exception and would not benefit from 7 discovery. See Patrick v. Ramsey, No. C23-0630-JLR, 2023 WL 6680913, at *2 (W.D. Wash. 8 Oct. 12, 2023) (denying a motion to strike class allegations because “[a]lthough the court has 9 doubts as to whether this case may ultimately be maintained as a class action—particularly with 10 respect to Federal Rule of Civil Procedure 23(b)(3)’s predominance and superiority 11 requirements—it cannot at this time conclude that the class is uncertifiable as a matter of law”). 12 The Court therefore declines to find at this time that the class is uncertifiable as a matter of law
13 and denies Capital One’s motion to strike as premature. 14 III. CONCLUSION 15 For these reasons, the Court DENIES Defendant’s motion. Dkt. No. 15. The parties shall 16 file an updated class-action joint status report regarding case scheduling disputes and/or 17 agreements (see Dkt. No. 18 at 9–10), no later than March 14, 2025. The clerk is directed to file 18 a class-action joint status report order on the docket for the parties to use in preparing their report. 19 After reviewing the updated joint status report, the Court will set a scheduling conference. 20 Dated this 25th day of February, 2025. 21 A 22 Kymberly K. Evanson 23 United States District Judge