Pacha v. Credit One Bank, N.A.

CourtDistrict Court, D. Nevada
DecidedOctober 29, 2020
Docket2:20-cv-00148
StatusUnknown

This text of Pacha v. Credit One Bank, N.A. (Pacha v. Credit One Bank, N.A.) is published on Counsel Stack Legal Research, covering District Court, D. Nevada primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Pacha v. Credit One Bank, N.A., (D. Nev. 2020).

Opinion

1 2 3 4 UNITED STATES DISTRICT COURT 5 DISTRICT OF NEVADA 6 * * *

7 JACEY PACHA, Case No. 2:20-cv-00148-KJD-BNW

8 Plaintiff, ORDER

9 v.

10 CREDIT ONE BANK, N.A., et al.,

11 Defendant.

12 Presently before the Court are Plaintiff’s Motions to Amend the Complaint (#8/19). 13 Defendant Credit One Bank, N.A. (“Credit One”) filed responses in opposition (#10/20) to which 14 Plaintiff replied (#11/21). Also, before the Court is the Report and Recommendation (#18) of 15 Judge Brenda Weksler recommending that Plaintiff’s motion to amend be denied without 16 prejudice and ordering that a further motion to amend be filed no later than September 25, 2020. 17 Neither party filed objections to the report and recommendation. Plaintiff did file her second 18 Motion to Amend (#19) on September 25, 2020. Finally, before the Court is Defendant Credit 19 One’s Motion to Compel Arbitration (#6) and Motion to Dismiss (#7). Plaintiff filed a response 20 in opposition (#15). 21 I. Magistrate’s Report and Recommendation 22 No party filed objections to the report and recommendation in which the magistrate judge 23 recommended denying Plaintiff’s motion to amend because Plaintiff agreed that the claims 24 against Credit One were subject to arbitration and Plaintiff would agree to stipulate to dismissal 25 of Credit One AFTER doing discovery. By failing to file objections, Plaintiff consented to the 26 magistrate judge’s order becoming law of the case. 27 /// 28 1 The Court has conducted a de novo review of the record in this case in accordance with 2 28 U.S.C. § 636(b)(1) and LR IB 3-2. The Court determines that the Report of Findings and 3 Recommendation (#18) of the United States Magistrate Judge entered August 31, 2020, should 4 be ADOPTED and AFFIRMED. The Court finds it unusual that Plaintiff, having consented to 5 the magistrate’s order, should then file an amended complaint that fails to cure the defects noted 6 by the court. This counsels in favor of denying Plaintiff’s subsequent motion to amend (#19) and 7 granting Defendant’s motion to compel arbitration and dismiss. 8 II. Motion to Compel Arbitration 9 Plaintiff brings claims against defendant for allegedly unlawful debt collection practices. 10 In response, Defendant moves to compel arbitration. Plaintiff “stipulates to the dismissal of her 11 claims” against Credit One, but requests that the Court deny the motion to dismiss. See 12 Response, Doc. No. 15, p.2 *8-9. Plaintiff does not fundamentally disagree with defendant’s 13 arguments but asserts that limited discovery is appropriate prior to arbitration. (ECF No. 19/21). 14 “[T]he Ninth Circuit has explained that the FAA provides for discovery in connection with a 15 motion to compel arbitration only if ‘the making of the arbitration agreement . . . be in issue.’” 16 Newton v. Clearwire Corp., 2:11-CV-00783-WBS, 2011 WL 4458971, at *2 (E.D. Cal. Sept. 23, 17 2011) (quoting Simula, Inc. v. Autoliv, Inc., 175 F.3d 716, 726 (9th Cir. 1999)). Here, there is 18 no dispute over the enforceability of the arbitration clause. Plaintiff instead asks for discovery so 19 that she may discern the identities of the Doe defendants. The Court declines plaintiff’s request. 20 “Because arbitration is fundamentally a matter of contract, the central or primary purpose 21 of the FAA is to ensure that private agreements to arbitrate are enforced according to their 22 terms.” Momot v. Mastro, 652 F.3d 982, 986 (9th Cir. 2011). To be enforceable, an arbitration 23 agreement must satisfy the following conditions: (1) the existence of a written agreement to 24 arbitrate claims, (2) a nexus to interstate commerce, and (3) coverage of the claims by the 25 arbitration clause. 9 U.S.C. § 2; see also Hanks v. Briad Rest. Grp., L.L.C., No. 2:14-CV-00786- 26 GMN, 2015 WL 4562755, at *2 (D. Nev. July 27, 2015). 27 Considering these factors, the court finds that the arbitration clause is enforceable. A 28 written arbitration clause, broadly governing this dispute, clearly and inconspicuously exists. An 1 agreement governing a credit card account is accepted when the card is used after receiving the 2 agreement. See Nev. Rev. Stat. § 97A.140 (“A cardholder shall be deemed to have accepted the 3 written terms and conditions provided by the issuer upon subsequent actual use of the credit 4 card”). Plaintiff does not generally dispute agreement to the arbitration provision. Accordingly, 5 the court grants the motion to compel arbitration. 6 The court also grants defendant’s motion to dismiss. Here, “the arbitration clause [i]s 7 broad enough to bar all of the plaintiff’s claims.” See Sparling v. Hoffman Const. Co., 864 F.2d 8 635, 638 (9th Cir. 1988). In such cases, dismissal is appropriate. Id.; see also Ricci v. Beazer 9 Home Holding Corp., No. 2:09-CV-01902-RLH-RJJ, 2010 WL 11579685, at *4 (D. Nev. Feb. 10 12, 2010) (“Because the parties’ arbitration provision is valid and enforceable, the Court finds 11 that dismissal is appropriate.”). Furthermore, arbitration will presumably occur in Kansas and 12 the award may be confirmed by a court in that jurisdiction. 13 III. Motion to Amend and Doe Defendants 14 Plaintiff’s failure to address the deficiencies noted by the magistrate judge is fatal to their 15 amended complaint. Plaintiff’s briefing makes it clear that the purpose of naming Credit One, in 16 the face of the valid arbitration provision, is solely to bring to bear the subpoena power of the 17 Court to fish for alternative defendants. Essentially, as has been found by other departments in 18 this jurisdiction, Plaintiff has brought this case against only fictitious defendants, Does 1 through 19 5.1 20 This district and circuit have expressly disapproved of this practice. See Craig v. United 21 States, 413 F.2d 854, 856 (9th Cir. 1969) (“There is no provision in the federal statutes or 22 Federal Rules of Civil Procedure either authorizing or expressly prohibiting the use of fictitious 23 parties.”); Tolefree v. Ritz, 382 F.2d 566, 567 (9th Cir. 1967) (“[This case] was also properly 24 dismissed as to the fictitious defendants[.] If plaintiff later ascertains the names of additional 25 persons he wishes to join as defendants, the Federal Rules of Civil Procedure provide a way of 26 doing so.”); Sigurdson v. Del Guercio, 241 F.2d 480, 482 (9th Cir. 1956) (“It is inviting disaster 27 28 1 See Merritt v. DOES 1-5, Case No. 2:20-cv-00902-JCM-DJA (D. Nev.) (July 13, 2020) (ECF No. 12); Merritt v. Credit One Bank, N.A., Case No. 2:20-cv-1335-JCM-VCF (D. Nev.) (Sept. 28, 2020) (ECF No. 11). 1 to . . . allow fictitious persons to remain defendants if the complaint is still of record. Appropriate 2 action has been taken by the trial court on its own motion in some such cases.”); see also 3 Graziose v. Am. Home Prod. Corp., 202 F.R.D. 638, 643 (D. Nev.

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