Johnstone v. CrossCountry Mortgage, LLC

CourtDistrict Court, N.D. Ohio
DecidedJanuary 14, 2025
Docket1:22-cv-01111
StatusUnknown

This text of Johnstone v. CrossCountry Mortgage, LLC (Johnstone v. CrossCountry Mortgage, LLC) is published on Counsel Stack Legal Research, covering District Court, N.D. Ohio primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Johnstone v. CrossCountry Mortgage, LLC, (N.D. Ohio 2025).

Opinion

UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF OHIO EASTERN DIVISION

LINDA JOHNSTONE and L.D., by and ) CASE NO.: 1:22-cv-01111 through her mother, LINDA JOHNSTONE, ) individually and on behalf of all persons ) JUDGE BRIDGET MEEHAN BRENNAN and entities similarly situated, ) ) Plaintiffs, ) ) v. ) MEMORANDUM OPINION ) AND ORDER CROSSCOUNTRY MORTGAGE, LLC, ) ) Defendant. )

Before the Court are Defendant’s fully briefed Motion for Summary Judgment (Docs. 58, 73, 80), Plaintiffs’ fully briefed Motion for Class Certification (Docs. 57, 65, 70), and Defendant’s fully briefed Motion to Strike or Exclude Plaintiffs’ Supplemental Expert Declaration (Docs. 63, 71, 78).1 For the reasons stated herein, Defendant’s Motion for Summary Judgment (Doc. 58) is GRANTED.2 Plaintiffs’ Motion for Class Certification (Doc. 57) and Defendant’s Motion to Strike or Exclude Plaintiffs’ Supplemental Expert Declaration (Doc. 63) are DENIED as moot.

1 Pursuant to the Court’s April 30, 2024 and May 16, 2024 Orders (Docs. 66, 74, 75), the parties filed certain briefs under seal (Docs. 67, 76, 77). This Order will cite to the redacted versions. (Docs. 65-11, 70, 73.) 2 The Court finds that oral argument is not necessary so Defendant’s request for oral argument is DENIED. I. BACKGROUND A. Statement of Facts Plaintiffs allege Defendant violated the Telephone Consumer Protection Act (“TCPA”)

by making an unauthorized call to Plaintiffs’ cellular telephone using a prerecorded voice message. (See 47 U.S.C. § 227(b); Doc. 38 ¶ 62.) Defendant CrossCountry Mortgage, LLC (“CCM” or “Defendant”) is a mortgage lender that occasionally purchases consumer information from third-party lead providers. (Doc. 58-1 at 1475.) 3 In July 2021, CCM began purchasing customer leads from iLeads.com, LLC (“iLeads”). (Doc. 58-1 at 1477; Doc. 58-9 at 1560.) In February 2022, CCM received information from iLeads indicating a consumer named “Julie Johnson” was interested in refinancing her mortgage. (Doc. 58-1 at 1477; Doc. 58-9 at 1564; Doc. 58-14 ¶¶ 4, 5.) The associated telephone number was (805) 657-XXXX (“the 657 Number”). (Id.) In March 2022, CCM contacted the 657 Number twice: on March 2, 2022, and again on March 8, 2022. (Doc. 58-1 at 1477.) However, that number belonged to Plaintiffs.

CCM uses the Five9 dialer system to make calls. (Doc. 58-1 at 1475.) When a call is placed using the Five9 dialer system and the call is answered, the system attempts to immediately connect the called party with a live agent. (Doc. 58-1 at 1475; Doc. 58-15 ¶ 7.) The Five9 system also creates and maintains call records, including the date and time of the calls, the agent assigned to the call, the call duration, the call disposition (i.e., whether the call was abandoned, an opt-out was received, or the call went to an answering machine), and a record of whether the call contained an interactive voice response (“IVR”) path. (Doc. 58-1 at 1476; Doc.

3 For ease and consistency, record citations are to the electronically stamped CM/ECF document and PageID# rather than any internal pagination. 58-16 ¶ 6.) CCM’s record retention policy is to delete everything in Five9 except the call record after 60 days.4 (Doc. 73 at 4414.) If an answered call connects with a live agent, the Five9 call record will have some notation in the “Agent” field, along with data in the call time, handle time, and talk time fields. (Doc. 58-1 at 1475; Doc. 58-14 ¶ 7.) If someone answers a call and the dialer system is unable

to connect a live agent within two seconds, the call is deemed “abandoned.” (Doc. 58-1 at 1475.) When a call is abandoned, the system plays an automated message that identifies CCM by name, provides the reason for the call, and provides the recipient with an automated interactive key-press-activated mechanism to opt out of future calls. (Id.; Doc. 58-15 ¶ 6.) CCM uses this “abandoned call” policy to comply with other TCPA and FCC regulations. (Doc. 58-1 at 1476; Doc. 58-9 at 1561.) In discovery, CCM produced two examples of its prerecorded abandoned call messages: one is 20 seconds long and one is 17 seconds long. (See Doc. 73 at 4410-11; Doc. 60; Doc. 70-2.) The existence of an IVR path on a Five9 call record can indicate, among other things: (1)

the use of an automated interactive message for abandoned calls; or (2) a system profile update for the contact record if the system detects an answering machine (i.e., voicemail) and the call disposition reflects it reached an answering machine. (Doc. 58-14 ¶ 13; Doc. 65-3 ¶ 7.) If no data is populated for the IVR path, “the call is considered a live call where an effort is made to immediately connect the called party with a live agent.” (Doc. 58-16 ¶ 7.) The Five9 call record for the March 2, 2022 call indicates CCM used the Five9 dialer to place a call to the 657 Number. (Doc. 58-14.) The call went to the recipient’s answering

4 Plaintiffs’ counsel first contacted CCM on May 16, 2022, after the 60-day retention period. (Doc. 73 at 4414.) service. (Id.) The IVR path is: “IncomingCall1:LookupContactRecord3:AnswerMachine2:ifCounter=0:COuntstart=0:VMChec k:VM1:AM_Count+:ContactUpdate3:Hangup5.” (Id.) The record has no data populated for handle time or talk time. (Doc. 58-1 at 1477; Doc. 58-14 at 1682-88.) Nonetheless, there is a call time of 0:00:19, a queue time of 0:00:00, and a

bill time of 0:00:24. (Id.) The disposition is listed as “Answering Machine.” (Id.) There is no record of a voicemail message. (See Doc. 80 at 4734; Doc. 58-13.) The Five9 call record for March 8, 2022, also indicates CCM used the Five9 dialer to place a call to the 657 Number. (Doc. 58-1 at 1477; Doc. 58-14 at 1682-88.) The record indicates: a handle time of 0:00:13; a talk time of 0:00:12; a call time of 0:00:15; a queue time of 0:00:00; and a bill time of 0:00:18. (Doc. 58-1 at 1477-78; Doc. 58-14 at 1682-88.) The record has no IVR path, indicating no automated recording could have played. (Doc. 58-1 at 1478-78; Doc. 58-14 at 1682-88.) The record also indicates the call went to an agent, whose name was deleted from the system after the agent left the company. (Doc. 58-1 at 1478-78; Doc. 58-14 at

1682-88.) The disposition is listed as “Do Not Call.” (Doc. 58-1 at 1478-78; Doc. 58-14 at 1682-88.) There were no further calls to the 657 Number. B. Procedural History On June 23, 2022, Plaintiff Linda Johnstone (“Johnstone”) commenced this class action lawsuit. (Doc. 1.) She alleged CCM contacted her cellular telephone, the 657 Number, with a robocall prerecorded message. (Id. at 4.) Johnstone further alleged: [T]he call was clearly pre-recorded “because (a) there was a delay after the Plaintiff answered the line (b) a “click” to play the pre-recorded message was heard by the Plaintiff prior to the pre-recorded message (c) the pre-recorded message was monotone, non-personalized and generic (d) the recording asked the call recipient to press a number. (Id. ¶ 23 (emphasis added).) The complaint proposed a nationwide class of persons who received the same or substantially similar robocall message from Defendant. (Id. ¶ 32.) On October 21, 2022, CCM responded to Johnstone’s first set of discovery and produced a call log showing CCM made two calls to the 657 Number: one on March 2, 2022 (“March 2nd call”), and one on March 8, 2022 (“March 8th call”). (Doc. 46-1 ¶ 9; Doc. 46-6.)

On October 27, 2022, Johnstone responded to CCM’s written discovery, revealing her minor daughter, L.D. (who was not yet a party to the case) answered the March 8th call. (Doc. 58-2 ¶ 6; Doc. 58-4 at 1513-15.) In response to CCM’s interrogatories asking Johnstone to identify and provide information regarding CCM’s alleged prerecorded communications, Johnstone only identified the March 8th call. (Doc.

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Johnstone v. CrossCountry Mortgage, LLC, Counsel Stack Legal Research, https://law.counselstack.com/opinion/johnstone-v-crosscountry-mortgage-llc-ohnd-2025.