J.P. Morgan Chase Bank, N.A. v. Gray

2023 IL App (1st) 220019-U
CourtAppellate Court of Illinois
DecidedMarch 17, 2023
Docket1-22-0019
StatusUnpublished

This text of 2023 IL App (1st) 220019-U (J.P. Morgan Chase Bank, N.A. v. Gray) is published on Counsel Stack Legal Research, covering Appellate Court of Illinois primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
J.P. Morgan Chase Bank, N.A. v. Gray, 2023 IL App (1st) 220019-U (Ill. Ct. App. 2023).

Opinion

2023 IL App (1st) 220019-U

No. 1-22-0019

Order filed March 17, 2023

FIFTH DIVISION

NOTICE: This order was filed under Supreme Court Rule 23 and is not precedent except in the limited circumstances allowed under Rule 23(e)(1). ______________________________________________________________________________

IN THE APPELLATE COURT OF ILLINOIS FIRST DISTRICT ______________________________________________________________________________

J.P. MORGAN CHASE BANK, N.A., ) Appeal from the ) Circuit Court of Plaintiff-Appellee, ) Cook County. ) v. ) No. 20 M 56048 ) CHANEL A. GRAY, ) Honorable ) Mary Kathleen McHugh, Defendant-Appellant. ) Judge, presiding.

JUSTICE LYLE delivered the judgment of the court. Justices Mitchell and Navarro concurred in the judgment.

ORDER

¶1 Held: We dismiss defendant’s appeal where she has failed to establish that we have jurisdiction by failing to provide a copy of the judgment appealed from or a report of proceedings or acceptable substitute.

¶2 Defendant Chanel A. Gray appeals pro se from a judgment purportedly entered against her

on December 13, 2021. 1 As she has failed to provide a copy of the judgment or a transcript of

proceedings from that date or acceptable substitute, Ms. Gray has failed to establish that we have

jurisdiction over her appeal. Accordingly, we dismiss the appeal.

1 According to the circuit court case summary in the record, the Honorable Mary Kathleen McHugh presided over the proceedings on December 13, 2021, while the Honorable Kathleen Marie Burke presided over the other proceedings. No. 1-22-0019

¶3 The record on appeal consists solely of the common law record. It shows that, on December

15, 2020, plaintiff J.P. Morgan Chase Bank, N.A., (Chase) filed a complaint against Ms. Gray for

breach of contract and “account stated” seeking to recover $13,113.57 Ms. Gray owed on an unpaid

charge account or a line of credit. Chase attached a “Credit Card Collection Action Affidavit” and

other documents supporting its claim.

¶4 Ms. Gray acted pro se throughout the proceedings. On February 16, 2021, she filed an

answer to Chase’s complaint. Citing numerous federal statutes in support of her arguments, Ms.

Gray alleged inter alia: the law firm representing Chase illegally subrogated itself into the contract

and obtained her personal information; Chase had harassed her through repeated phone calls to her

and others about her alleged debt; and Chase’s complaint unlawfully stated it was an attempt to

collect a debt by a debt collector. She refused to pay the alleged debt “as a federally protected

consumer.” Ms. Gray also filed a “Cease and Desist” demanding Chase zero-out her balance,

delete her debt from consumer reports, and compensate her for its violations of federal law. She

attached an invoice billing Chase $7,577.50 for seven violations of her federally protected

consumer rights.

¶5 On July 22, 2021, Ms. Gray moved to amend her answer, noting that Chase’s counsel and

the court suggested she do so “as a courtesy” due to her “incomplete response.” The record on

appeal does not contain an amended answer.

¶6 On September 30, 2021, Ms. Gray filed a motion to dismiss Chase’s complaint, supported

by an “Affidavit of Truth.” In the affidavit, she averred, inter alia: Chase failed to validate the

existence of her debt or produce the contract she allegedly breached; Chase lacked standing to sue

her; her identity had been stolen and used to submit a credit application in her name; Chase illegally

-2- No. 1-22-0019

supplied her personal information to the law firm representing it; Chase and the law firm violated

several federal statutes relating to debt-collection practices; and Chase had inflated the amount she

allegedly owed. Ms. Gray attached exhibits purporting to support her arguments and an invoice

billing Chase $47,630 for 44 violations of her federally protected consumer rights.

¶7 The record on appeal does not contain any indication regarding whether, when, or how the

court resolved Ms. Gray’s “Cease and Desist” filing, her motion to dismiss, or Chase’s complaint.

The circuit court’s case summary and several trial call orders show that the cause was set for “Trial

Call” on November 1, 2021, and the “[t]rial” was continued on that date to December 13, 2021.

The docket entry for December 13, 2021, shows that the case was set on the trial call. Then, on

January 3, 2022, Ms. Gray filed a notice of appeal requesting this court reverse the trial court’s

“judgment” of December 13, 2021, and “honor [her] ‘cease and desist’ remedies.”

¶8 On November 21, 2022, this court entered an order taking the case for consideration on the

record and Ms. Gray’s brief only, as Chase failed to file a response brief within the time prescribed.

See Ill. S. Ct. R. 343(a) (eff. July 1, 2008) (appellee has 35 days from the due date of the appellant’s

brief to file a response brief); see also First Capitol Mortgage Corp. v. Talandis Construction

Corp., 63 Ill. 2d 128, 130-33 (1976) (setting forth principles for the disposition of appeals where

appellees have not filed a brief).

¶9 In Ms. Gray’s brief, she describes the nature of the action as review of a judgment by the

trial court in favor of Chase “stating that the defendant did not have proper paperwork to support

the defense.” As the basis for this court’s jurisdiction over the December 13, 2021, judgment, Ms.

Gray cites Illinois Supreme Court Rule 307(a)(1) (eff. Nov. 1, 2017), which permits appeals from

interlocutory orders concerning injunctive relief.

-3- No. 1-22-0019

¶ 10 Ms. Gray argues that Chase violated her consumer rights and implemented unfair debt

practices by suing for a debt that Chase has not validated and for a breach of a contract that Chase

failed to prove existed. She maintains that the trial court disregarded her allegation that her identity

had been stolen. Ms. Gray requests “the trial court’s order for judgment” be reversed, “the case be

dismissed with prejudice,” and Chase complete the invoice she submitted with her motion to

dismiss. She also requests compensation for her legal costs and for “physical and emotional

distress, including injunctive relief, interests on the judgment sum, and interests on the cost

awarded by the court.”

¶ 11 However, prior to proceeding in a cause of action, we must be certain of our

jurisdiction. R.W. Dunteman Co. v. C/G Enterprises, Inc., 181 Ill. 2d 153, 159 (1998). We find the

record is inadequate to establish our jurisdiction here and we must dismiss Ms. Gray’s appeal.

¶ 12 This court has an independent duty to consider our jurisdiction and dismiss an appeal if we

lack jurisdiction. In re Marriage of Salviola, 2020 IL App (1st) 182185, ¶ 36. With some

exceptions, we generally have jurisdiction only over appeals from final orders disposing of every

right, liability, or matter raised in an action. Navigators Specialty Insurance Co. v. Onni

Contracting (Chicago), Inc., 2022 IL App (1st) 210827, ¶ 9. See also Ill. S. Ct. R. 307 (eff. Nov.

1, 2017) (granting right to appeal certain interlocutory orders). It is the appellant’s burden to

establish jurisdiction. Marriage of Salviola, 2020 IL App (1st) 182185, ¶ 36.

¶ 13 Ms. Gray purports to appeal from a judgment entered on December 13, 2021. As the basis

for this court’s jurisdiction, she cites Rule 307(a)(1) (eff. Nov. 1, 2017), which permits appeals

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2023 IL App (1st) 220019-U, Counsel Stack Legal Research, https://law.counselstack.com/opinion/jp-morgan-chase-bank-na-v-gray-illappct-2023.