Mundle v. Doxo Inc

District Court, W.D. Washington·Decided August 7, 2025·No. 2:24-cv-00893·Unknown

Opinion

1 2

3 4 5 UNITED STATES DISTRICT COURT WESTERN DISTRICT OF WASHINGTON 6 AT SEATTLE 7 DOUGLAS MUNDLE and PAMELA KNIGHT, individually and on behalf 8 of all persons similarly situated, 9 Plaintiffs, 10 v. C24-0893 TSZ 11 DOXO, INC., a corporation; STEVEN ORDER SHIVERS, individually and as an 12 officer of DOXO, INC.; and ROGER PARKS, individually and as an officer 13 of DOXO, INC., 14 Defendants. 15 THIS MATTER comes before the Court on Defendants’ Motion to Compel 16 Arbitration and Motion to Stay (the “Motion”), docket no. 48. Having reviewed all 17 papers filed in support of, and in opposition to, the Motion, the Court enters the following 18 order. 19 Background 20 The Court previously provided a detailed description of the allegations in this 21 case. See Order at 1–6 (docket no. 44). The Court provides the following summary of 22 additional information that is relevant to the pending motion. 1 Doxo’s Terms of Service that have been in effect since April 1, 2020, state, in 2 relevant part:

3 Please read these User Terms of Service (“Terms”) carefully. If you use or access doxo, Inc. or our affiliates (“doxo” or “we” or “us”) services, products, 4 or websites (“doxo Services”), you agree to be bound by these Terms. If you do not agree to these Terms, do not use the doxo Services. We may update 5 or modify these Terms from time to time and will post them and update the date. By accessing or using the doxo Services thereafter, you agree to be 6 bound by such updated Terms. If you do not agree, you should not continue to use the doxo Services. 7 Ex. G to Shivers Decl. (docket no. 28 at 44). Amendments to the Terms of Service were 8 made effective on June 13, 2022 and on May 6, 2024, but the language above remained 9 unchanged. See Exs. H & I to Shivers Decl. (docket no. 28 at 53 & 62). The Terms of 10 Service were amended again on May 9, 2024, and the following language (the 11 “Arbitration Provision”) was added, which states in relevant part: 12 ANY CONTROVERSY, DISPUTE OR CLAIM ARISING OUT OF OR 13 RELATING IN ANY WAY TO YOUR USE OF ANY DOXO SERVICES WILL BE RESOLVED BY BINDING ARBITRATION, RATHER THAN 14 IN COURT, EXCEPT THAT YOU MAY ASSERT CLAIMS IN SMALL CLAIMS COURT IF YOUR CLAIMS QUALIFY. THE FEDERAL 15 ARBITRATION ACT AND FEDERAL ARBITRATION LAW APPLY TO THESE TERMS, AND THESE PROVISIONS REGARDING 16 ARBITRATION RETROACTIVELY. Ex. J to Shivers Decl. (docket no. 28 at 80). 17 Plaintiff Douglas Mundle appears to have created two Doxo accounts: the “a98e 18 Account” and the “b54f Account.” Shivers Decl. at ⁋⁋ 6 & 41 (docket no. 50). The a98e 19 Account was created on May 11, 2021, with user email address buddhascuda@aol.com, 20 and account holder name “Douglas Mundle” or alternatively, “Douglas W Mundle.” Id. 21 at ⁋ 6. The last payment associated with the a98e Account was on June 9, 2024. Id. at 22 1 || update to the Terms of Service. Id. at P 9. The following image is a screenshot of that 2 || email: 3 We're making some changes te our legal agreements that will apply to you. = & & axxo □□□□□□□□□□□□□□□□□□□□□□□□□ om to mie 4 VB doxo 5 Updates to User Terms of Service 6 doxo has updated our User Terma of Service. No action is needed from you today. Please review them carefully, because your continued use of any doxo services constitutes your 7 acceptance of these updated terms nthe event of any dispute, our tenms require you to RESOLVE ANY DISPUTE THROUGH 8 BINDING ARBITRATION, AND GIVE UP RIGHTS TO BRING CLAIMS IN COURT OR BEFORE A JURY. In addition, mote that the user terms continue to PROHIBIT PARTICIPATION IN A CLASS ACTION OR REPRESENTATIVE ACTION. 9 The updated dowo User Tenms can be found here, or you can also view these terms by visiting doxo.com, clicking ‘Legal at the bottom of the page and then selecting User ] 0 Terms of Service’. f you have questions about any of these changes or your account, please don't hesitate to 1 1 get in touch with ua. Thank you for being a doxo customer. 12 Customer Support | Privacy Policy | Tena and Conditions 13 14 at P9. The “Iterable email platform”! allegedly shows that the email was opened on 15 | June 12, 2024. Id. A day later, payment cards were removed from the a98e Account and 16 || the a98e Account was canceled. Id. at P11. 17 The b54f Account was created on June 20, 2024, with the user email address 18 || “buddhascuda@gmail.com” and the same zip code that was used to create the a98e 19 | Account. Id. at P41. The user of the b54f Account visited the mobile Doxo application 20 || page on August 21, 2024, but did not log in. Id. at P 42. No information about the status 21 22 3 ' Shivers does not explain what this platform is, or how the platform showed that the email was opened.

1 of the b54f Account, namely whether it is still open or has since been closed, has been 2 provided to the Court. See id. at ⁋ 41–42. However, Defendants do not contend the

3 account was used after August 21, 2024. See id. at ⁋ 42. 4 Mundle claims he “never knowingly created a separate Doxo account beyond the 5 steps that were required to pay my bills through what I thought was the authorized 6 payment portal for my billers.” Mundle Decl. at ⁋ 7 (docket no. 54). In reviewing 7 Shivers’ declaration and the processed payments associated with the a98e Account, 8 Mundle states that he “did not knowingly pay a bill [to Quest Diagnostics] on [May 11,

9 2021] through Doxo,” but he “recall[ed] paying a bill from the NY State Thruway via 10 Doxo in approximately 2021, which may instead have been around the time Mr. Shivers 11 indicates,” and “confirm[ed] that the [Connecticut Orthopedics] bill was paid by me [via] 12 Doxo on May 7, 2021.” Id. at ⁋⁋ 10, 12, 15. Mundle states he does not recall ever 13 completing a sign-in process to create a Doxo account independent of the process that he

14 was required to complete to pay his bills and never accepted any terms of service from 15 Doxo in connection with making the payments indicated above. Id. at ⁋⁋ 16–17. Mundle 16 contends that no arbitration clause was presented to him to review when he made the 17 payments through Doxo, and he does not recall receiving or reading any email from 18 Doxo containing an amendment to any terms of service that added an arbitration

19 agreement. Id. at ⁋⁋ 18–19. 20 Defendants claim that Plaintiff Pamela Knight appears to have created one Doxo 21 account: the “bb5f5 Account.” Shivers Decl. at ⁋ 12 (docket no. 50). This account was 22 created on February 14, 2024, with a user email address “pamelaknight78@gmail.com” 1 and the account holder name was listed as “Pamela K Knight.” Id. The bb5f5 Account 2 was used to pay Seventh Avenue Credit on February 14, 2024, March 9, 2024, April 3,

3 2024, and May 6, 2024. Id. at ⁋⁋ 13–14, 16–17. On June 14, 2024, the bb5f5 Account 4 was sent an email notifying the account of an update to Doxo’s Terms of Service. Id. at 5 ⁋ 18. The email sent was identical to the email sent to the a98e Account. Compare id. at 6 ⁋ 18 with id. at ⁋ 9. The “Iterable email platform” allegedly shows that the email was 7 clicked on and opened on June 15, 2024. Id. at ⁋ 18. On July 4, 2024, the bb5f5 Account 8 made a payment to Seventh Avenue Credit. Id. at ⁋ 19. The bb5f5 Account has remained

9 open as of April 22, 2025. Id. at ⁋ 22. 10 Knight claims she “never created a separate Doxo account.” Knight Decl. at ⁋ 7 11 (docket no. 53). When she “called Seventh Avenue to make a transaction to purchase a 12 small kitchen appliance in February 2024,” she never thought she was transacting with 13 Doxo, never navigated to the Doxo website to make payments to Seventh Avenue, and

14 never accepted any terms from Doxo before finalizing her payments with Seventh 15 Avenue. Id. at ⁋⁋ 9–12.

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