Robert O'Conor, Jr. v. the Frost National Bank

CourtCourt of Appeals of Texas
DecidedOctober 8, 2009
Docket01-08-00229-CV
StatusPublished

This text of Robert O'Conor, Jr. v. the Frost National Bank (Robert O'Conor, Jr. v. the Frost National Bank) is published on Counsel Stack Legal Research, covering Court of Appeals of Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Robert O'Conor, Jr. v. the Frost National Bank, (Tex. Ct. App. 2009).

Opinion

Opinion issued October 8, 2009





In The

Court of Appeals

For The

First District of Texas



NO. 01-08-00229-CV



ROBERT O'CONOR, JR., Appellant



V.



FROST NATIONAL BANK, Appellee



On Appeal from the 234th District Court

Harris County, Texas

Trial Court Cause No. 2007-19797



MEMORANDUM OPINION



Appellant, Robert O'Conor, Jr., filed an invasion of privacy counterclaim against Frost National Bank ("Frost") for the disclosure of his Social Security Number ("SSN") on financial documents filed as part of Frost's pleadings in its claim against O'Conor for failure to pay under a promissory note. O'Conor appeals from the trial court's order granting Frost's traditional and no-evidence motion for summary judgment and denying his cross-motion for summary judgment on his counterclaim. In four issues, O'Conor argues that the trial court erred : (1) in granting Frost's motion for summary judgment because Frost based its motion on financial privacy arguments as opposed to the personal privacy claim filed by O'Conor; (2) in granting Frost's summary judgment motion and denying O'Conor's cross-motion because O'Conor provided evidence on all elements of his claims and met his burden of proving that Frost's disclosure carried a criminal sanction; (3) in granting Frost's summary judgment motion and denying his cross-motion because public policy supports O'Conor's counter-claim; and (4) in granting Frost's summary judgment motion and denying O'Conor's cross-motion because personal privacy is a right protected by the United States and Texas Constitutions.

We affirm.

Background

On May 23, 2006, O'Conor executed a promissory note in favor of Frost. O'Conor's name, address, and full SSN appeared together on the face of this note. O'Conor also signed a Notice of Final Agreement that contained his name, address, and full SSN. On March 29, 2007, Frost filed suit against O'Conor alleging that he had failed to pay the indebtedness in accordance with the terms of the promissory note and that Frost had exercised its right to accelerate payment of the promissory note. Frost's petition requested that the trial court award it the principal sum plus accrued interest, late fees, pre- and post-judgment interest, and attorney's fees. Frost attached a copy of the promissory note containing O'Conor's name and SSN to its original petition without redacting his SSN.

On July 3, 2007, Frost filed its motion for summary judgment on its claim against O'Conor for failing to pay the indebtedness under the promissory note. Frost again attached a copy of the promissory note containing O'Conor's name and SSN without redacting his SSN. O'Conor filed a response to this motion for summary judgment on July 23, 2007. In its response to O'Conor's reply, Frost attached the Notice of Final Agreement document containing O'Conor's name and full SSN.

On October 2, 2007, O'Conor filed his Second Amended Answer to Frost's claims on the promissory note, asserting a counterclaim for invasion of privacy. In his counterclaim, O'Conor asserted

invasion of privacy claims against [Frost] for its publication of [his] private and statutorily protected federal identification, which is highly offensive to a reasonable person, is not of legitimate public concern, to [his] injury and damages by disclosure of protected private information in violation of law. [Frost's] public dissemination of Defendant's social security information in its pleadings [is] a criminal violation of the Social Security Act[, specifically, 42 U.S.C. § 408] and a violation of the [Texas Business and Commerce Code] § 35.58, which allow such disclosure only under specific statutory authority or under a court order of proper jurisdictional authority. [Frost's] actions in disclosing [O'Conor's] statutorily protected information are a violation of law, as such was done without either the required legal authority or [O'Conor's] consent, and in further violation of [O'Conor's] privacy rights under the U.S. Constitution.



Also on October 2, 2007, O'Conor filed a cross-motion for summary judgment on his invasion of privacy counterclaim. O'Conor cited provisions of the Social Security Act (1) and former section 35.58 of the Texas Business and Commerce Code, (2) and he also argued that his right to privacy in his SSN was protected by the United States Constitution. O'Conor also made arguments based on the elements of common law invasion of privacy. Attached to his motion for summary judgment on his invasion of privacy claims, O'Conor submitted his own sworn affidavit and that of Bernard A. Ash, whom O'Conor had designated as an expert witness. On December 10, 2007, Frost filed its response to O'Conor's cross-motion for summary judgment on his invasion of privacy claims and its written objections to O'Conor's and Ash's affidavits.

On October 17, 2007, in an interlocutory order, the trial court granted Frost's motion for summary judgment against O'Conor on Frost's claims under the promissory note, (3) leaving pending in the trial court only O'Conor's counterclaim against Frost and a dispute regarding attorney's fees.

On November 19, 2007, Frost filed a no-evidence and traditional motion for summary judgment on O'Conor's invasion of privacy counterclaim, arguing that O'Conor's claims under the Social Security Act, the Texas Business and Commerce Code, the Untied States' Constitution, and the common law should be dismissed for failure to provide any evidence of essential elements and on various traditional grounds. Frost also argued that O'Conor's claims were not supported by the Financial Privacy Act or the Federal Privacy Act of 1974, although O'Conor did not plead or argue these statutes as part of his counterclaim. O'Conor filed his response to Frost's summary judgment motion on December 10, 2007. O'Conor argued that the Federal Privacy Act and Federal Financial Privacy Act were not part of his invasion of privacy counterclaim. O'Conor also reasserted his right to recovery under the Social Security Act, the Texas Business and Commerce Code, and the common law. (4)

On December 31, 2007, the trial court signed an interlocutory order denying O'Conor's cross-motion for summary judgment on his invasion of privacy claims.

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Robert O'Conor, Jr. v. the Frost National Bank, Counsel Stack Legal Research, https://law.counselstack.com/opinion/robert-oconor-jr-v-the-frost-national-bank-texapp-2009.