Pinn v. Consumer Credit Counseling Foundation, Inc.

District Court, N.D. California·Decided October 20, 2023·No. 4:22-cv-04048·Unknown

Opinion

1 2 3 6 7 KELLY PINN, Case No. 22-cv-04048-DMR

8 Plaintiff, ORDER ON MOTION TO COMPEL 9 v. ARBITRATION AND MOTION TO DISMISS THIRD-PARTY COMPLAINT FOUNDATION, INC., et al., Re: Dkt. No. 65 11 Defendants. 12 13 In this putative class action, Plaintiff Kelly Pinn challenges Defendants’ alleged practice of 14 making unsolicited telemarketing phone calls to individuals who have registered their phone 15 numbers on the national Do Not Call registry. Defendants are Consumer Credit Counseling 16 Foundation, Inc. (“CCCF”); National Budget Planners of South Florida, Inc. (“NBP”); Ishwinder 17 Judge, an individual; and Digital Media Solutions, LLC (“DMS”). CCCF filed a third-party 18 complaint against DMS. [Docket No. 43.] DMS now moves to compel arbitration as to CCCF, or 19 in the alternative, to dismiss the third-party complaint pursuant to Federal Rule of Civil Procedure 20 12(b)(6). This matter is suitable for determination without oral argument. Civ. L.R. 7-1(b). For 21 the following reasons, the motion to compel arbitration is granted. 23 A. Allegations in the Second Amended Complaint 24 Pinn makes the following allegations in the operative second amended complaint (“SAC”). 25 [Docket No. 82 (SAC).] Pinn is a United States resident. Her residential telephone is registered 26 on the national Do Not Call registry. Id. at ¶ 3. She alleges that CCCF and NBP are Florida 27 corporations that do business in California and that Judge is CCCF’s Chief Executive Officer, 1 services and debt management plans.” Id. at ¶ 22. Pinn alleges that CCCF, NBP, and Judge “use 2 telemarketers to solicit business from potential consumers across the country . . . to purchase their 3 products and services through aggressive, outbound telemarketing campaigns” and use “illegal 4 telemarketing campaigns to promote” their debt counseling services. Id. at ¶ 30.1 5 DMS is a Delaware corporation with an office in Florida. Id. at ¶ 8. Pinn alleges that 6 “[o]n August 2, 2021, CCCF contracted with DMS to obtain live transfers of qualified ‘leads,’ 7 potential customers of CCCF[.]” On January 22, 2022, DMS contracted with Vedanata Infotech 8 (“Vedanata”), a telemarketing company in India, “to make outgoing calls and to supply such leads 9 to CCCF.” Id. at ¶¶ 32, Exs. 1 at 0047-48, 2 at 0045-46. 10 Pinn alleges that she received multiple unsolicited and unauthorized telemarketing calls 11 from a spoofed telephone number in April 2022. Pinn answered the last of these calls. When she 12 answered, the caller stated that he was calling from “Credit Associates” and asked Pinn about her 13 financial situation. The caller eventually connected Pinn to “his advisor.” Id. at ¶¶ 40-42. The 14 advisor told Pinn that she was from CCCF, offered to consolidate Pinn’s debts through CCCF’s 15 program, and provided Pinn with an email address and telephone number linked to CCCF. Id. at ¶ 16 42. CCCF later sent Pinn an email promoting “a ‘Debt Management Plan Summary’ under which 17 consumer loans would be consolidated under a 5.95% interest rate . . .” Id. at ¶ 43. 18 On April 13, 2022, Pinn emailed a complaint to CCCF. She alleges that CCCF forwarded 19 her complaint to DMS and requested evidence of Pinn’s consent to the calls. “Although DMS had 20 records of Vedanata’s calls to Pinn and confirmed the calls were made via a live agent campaign, 21 it did not provide evidence of Pinn’s consent to those calls,” denied that it made the calls, and 22 asserted that the calls were made by Vedanata. Id. at ¶ 46. The CCCF Defendants demanded 23 DMS defend and indemnify them in this action. Id. 24 Pinn alleges that she never provided her telephone number to Defendants or their agents 25 for any purpose whatsoever, and that Defendants and their agents “did not obtain Pinn’s prior 26 1 The SAC includes allegations about a Doe Defendant that Pinn alleges is a “for-profit business 27 affiliated with CCCF.” See SAC ¶ 26. However, the deadline to seek leave to amend the 1 express consent to make telemarketing calls to her telephone number.” She further alleges that she 2 did not have an established relationship with Defendants, Defendants did not call to collect an 3 existing obligation, and Pinn never asked Defendants to call her. Id. at ¶ 44. She brings one claim 4 against Defendants on behalf of herself and a class of individuals: violation of the Telephone 5 Consumer Protection Act (“TCPA”), 47 U.S.C. § 227(c)(5). 6 B. Allegations in CCCF’s Third-Party Complaint 7 CCCF filed a third-party complaint against DMS. It alleges that “DMS is a provider of 8 lead generation services.” On August 2, 2021, CCCF and DMS entered into a Client Master 9 Services Agreement (“2021 MSA”) and an “Insertion Order” “that provided for DMS to provide 10 ‘Debt Live Transfers’ services to DMS.” 3d Party Compl. ¶¶ 7, 8. CCCF and DMS entered into a 11 second Client Master Services Agreement (“2022 MSA”) on July 28, 2022, which provided that it 12 would “specifically supersede any terms executed prior to or after the effective date of this 13 Agreement[.]” Id. at ¶ 9. 14 The 2022 MSA stated that DMS would comply with the TCPA and state and federal 15 consumer protection laws in “collect[ing] leads for transfer to [CCCF][.]” It also provided that 16 “DMS shall indemnify and hold [CCCF] . . . harmless from and against all direct liabilities, losses, 17 costs, expenses, (including reasonable attorney’s fees), and damages relating to or arising from or 18 in connection with: . . . (v) any and all violation of law (including the TCPA), rule, regulation, or 19 other such binding legal authority by DMS . . .” Id. at ¶¶ 10, 11. 20 CCCF alleges that “in April 2022, DMS and/or DMS’s agent made telephone calls to 21 Plaintiff Kelly Pinn” and that “CCCF did not have any control over the telephone calls, and the 22 telephone calls were not made on its behalf.” It further alleges that Pinn sent a claim to CCCF on 23 April 13, 2022 “alleging that she had received telephone calls in violation of the TCPA on April 24 11 and 12, 2022.” CCCF gave DMS notice of this action on July 15, 2022 and requested that 25 DMS defend and indemnify CCCF in this action, but DMS has not done so. Id. at ¶¶ 12-14. 26 CCCF brings two claims against DMS: 1) contractual indemnity pursuant to the second 27 MSA; and 2) equitable indemnity. C. The Arbitration Agreement 1 As alleged, DMS and CCCF executed an Insertion Order on August 2, 2021. 3d Party 2 Compl. ¶ 8. The Insertion Order contains a provision that “Client [CCCF] agrees to and accepts to 3 be bound by all of the terms and conditions set forth in the Client Master Services Agreement 4 (‘MSA’) entered into between the parties listed above on 8/2/21 . . . which is hereby incorporated 5 by reference.” [Docket No. 67 (Giardina Decl. June 1, 2023) ¶ 9, Ex. 2 (Insertion Order/2021 6 MSA) at 0047.] The 2021 MSA contains an arbitration provision: 7 This Agreement shall be exclusively governed by the laws of the State 8 of Florida without giving effect to conflict of law principles. The parties hereby consent to jurisdiction in the State of Florida and agree 9 that at the discretion of DMS, the American Arbitration Association shall have exclusive jurisdiction over any disputes or 10 issues regarding the interpretation or enforcement of this Agreement and shall be resolved exclusively by arbitration under 11 the then current Commercial Arbitration rules of the American Arbitration Association. Venue for arbitration shall be exclusively 12 from the nearest administrative office of the America Arbitration Association to Clearwater, Florida. Each party, without limitation, 13 agrees that such venue is convenient, consents to such venue, and waives any defense to such venue.

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