Soyinka v. Franklin Collection Service, Inc.

CourtDistrict Court, N.D. Illinois
DecidedMarch 27, 2022
Docket1:19-cv-04691
StatusUnknown

This text of Soyinka v. Franklin Collection Service, Inc. (Soyinka v. Franklin Collection Service, Inc.) is published on Counsel Stack Legal Research, covering District Court, N.D. Illinois primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Soyinka v. Franklin Collection Service, Inc., (N.D. Ill. 2022).

Opinion

UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF ILLINOIS EASTERN DIVISION

OLAMIDE SOYINKA, ) ) Plaintiff, ) 1:19-CV-04691 ) v. ) Judge Edmond E. Chang ) FRANKLIN COLLECTION SERVICE, ) INC., ) ) Defendant. )

MEMORANDUM OPINION AND ORDER

Olamide Soyinka brought this suit against Franklin Collection Service, Inc., alleging violations of the Fair Debt Collection Practices Act (commonly known in debt-collection circles as the FDCPA), 15 U.S.C. § 1692 et seq.1 R. 66, First Am. Compl. Soyinka claims that Franklin falsely implied in a dunning letter that the debt collector intended to sue her to collect on a debt. Id. Pending now are Soyinka and Franklin’s cross-motions for summary judgment. R. 76, Pl.’s Mot. Summ. J.; R. 81, Def.’s Mot. Summ. J.2 The Court does not reach the parties’ arguments on the merits, however, because the threshold issue of Article III standing requires an evidentiary hearing in this case. For the following reasons, the parties’ motions on the merits are

1The Court has subject matter jurisdiction under 28 U.S.C. § 1331. Citations to the docket are indicated by “R.” followed by the docket number and, where necessary, a page or paragraph citation. 2Although Soyinka’s complaint originally proposed a class action, Plaintiff ultimately decided not to seek class certification. R. 59. terminated without prejudice. The Court orders an evidentiary hearing to address Article III standing. I. Background

In deciding cross-motions for summary judgment, the Court views the facts in the light most favorable to the respective non-moving party. See Matsushita Elec. Indus. Co. v. Zenith Radio Corp., 475 U.S. 574, 587 (1986). So when the Court evalu- ates Soyinka’s summary judgment motion, Franklin gets the benefit of reasonable inferences; conversely, when evaluating Franklin’s motion, the Court gives Soyinka the benefit of the doubt. Soyinka owed $171.00 on an AT&T consumer utility account. First Am. Compl.

¶¶ 17, 29; R. 66-1, First Am. Compl., Pl.’s Exh. C at 1. When she was unable to pay, the debt went into default. First Am. Compl. ¶ 18. In a letter dated May 7, 2019, Franklin Collection Service attempted to collect the defaulted debt. Id. ¶¶ 19–20. In the first paragraph of the letter, Franklin offered a “settlement” and advised Soyinka to contact “your attorney” about Franklin’s “potential remedies” and “your defenses”: YOU HAVE AN OUTSTANDING BALANCE OF 171.00 OWED TO AT&T. IN AN EFFORT TO HELP YOU RESOLVE THIS MATTER WE AGREE TO OF- FER YOU A SETTLEMENT OF $119.70. TO ACCEPT THIS OFFER PLEASE SEND PAYMENT OF $119.70. IF YOU ARE NOT PAYING THIS ACCOUNT, CONTACT YOUR ATTORNEY REGARDING OUR POTENTIAL REMEDIES, AND YOUR DEFENSES, OR CALL (888) 215-8961.

First Am. Compl., Pl,’s Exh. C (capitalization in original). Soyinka brought this action against Franklin under the FDCPA, alleging that Franklin’s letter: (1) falsely threatened a potential lawsuit in violation of the FDCPA’s ban against false or misleading representations, 15 U.S.C. § 1692e, because neither Franklin nor its client, AT&T Mobility, truly intended to bring a lawsuit against Soyinka, First Am. Compl. ¶ 42; and (2) deployed an unfair practice in trying to collect the debt in violation of the FDCPA’s ban against using unfair means, 15

U.S.C. § 1692f, because it made a false threat of litigation, id. ¶ 43. II. Legal Standard Summary judgment must be granted “if the movant shows that there is no genuine dispute as to any material fact and the movant is entitled to judgment as a matter of law.” Fed. R. Civ. P. 56(a). A genuine issue of material fact exists if “the evidence is such that a reasonable jury could return a verdict for the nonmoving party.” Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248 (1986). In evaluating sum-

mary judgment motions, courts must view the facts and draw reasonable inferences in the light most favorable to the non-moving party. Scott v. Harris, 550 U.S. 372, 378 (2007). The Court may not weigh conflicting evidence or make credibility determina- tions, Omnicare, Inc. v. UnitedHealth Grp., Inc., 629 F.3d 697, 704 (7th Cir. 2011), and must consider only evidence that can “be presented in a form that would be ad- missible in evidence.” Fed. R. Civ. P. 56(c)(2). The party seeking summary judgment

has the initial burden of showing that there is no genuine dispute and that they are entitled to judgment as a matter of law. Carmichael v. Village of Palatine, 605 F.3d 451, 460 (7th Cir. 2010); see also Celotex Corp. v. Catrett, 477 U.S. 317, 323 (1986); Wheeler v. Lawson, 539 F.3d 629, 634 (7th Cir. 2008). If this burden is met, the ad- verse party must then “set forth specific facts showing that there is a genuine issue for trial.” Anderson, 477 U.S. at 256. But “subject-matter jurisdiction is the first issue in any case.” Miller v. South- west Airlines Co., 926 F.3d 898, 902 (7th Cir. 2019). The plaintiff bears the burden of establishing subject matter jurisdiction, which includes Article III’s requirement of

standing. Apex Digital, Inc. v. Sears, Roebuck & Co., 572 F.3d 440, 443 (7th Cir. 2009). III. Analysis By way of background, the “primary goal of the FDCPA is to protect consumers from abusive, deceptive, and unfair debt collection practices.” Schlaf v. Safeguard Property, LLC, 899 F.3d 459, 465 (7th Cir. 2018) (cleaned up).3 The FDCPA’s provi- sions thus focus on “eliminat[ing] abusive debt collection practices by debt collectors,” “insur[ing] that those debt collectors who refrain from using abusive debt collections

practices are not competitively disadvantaged,” and “promot[ing] consistent State ac- tion to protect consumers against debt collection abuses.” 15 U.S.C. § 1692e. Soyinka maintains that Franklin’s letter violated two of these provisions: 15 U.S.C §§ 1692e and 1692f. In broad strokes, Soyinka asks this Court to grant summary judgment in her favor because it is undisputed that Franklin did not intend to take legal action

against her, Franklin did not think that the original creditor intended to take any legal action, and the dunning letter on its face would mislead an unsophisticated con- sumer into thinking legal action was imminent. R. 77, Pl.’s Br. at 1. According to Soyinka, because the dunning letter was clearly misleading on its face, there is no

3This opinion uses (cleaned up) to indicate that internal quotation marks, alterations, and citations have been omitted from quotations. See Jack Metzler, Cleaning Up Quotations, 18 Journal of Appellate Practice and Process 143 (2017).

Free access — add to your briefcase to read the full text and ask questions with AI

Related

Anderson v. Liberty Lobby, Inc.
477 U.S. 242 (Supreme Court, 1986)
Newman-Green, Inc. v. Alfonzo-Larrain
490 U.S. 826 (Supreme Court, 1989)
Lujan v. Defenders of Wildlife
504 U.S. 555 (Supreme Court, 1992)
Scott v. Harris
550 U.S. 372 (Supreme Court, 2007)
Carmichael v. Village of Palatine, Ill.
605 F.3d 451 (Seventh Circuit, 2010)
Omnicare, Inc. v. Unitedhealth Group, Inc.
629 F.3d 697 (Seventh Circuit, 2011)
Angelo M. Diliberti v. United States of America
817 F.2d 1259 (Seventh Circuit, 1987)
Jesse Richardson v. Sergeant Curtis Bonds
860 F.2d 1427 (Seventh Circuit, 1988)
Richard Essick v. Yellow Freight Systems, Incorporated
965 F.2d 334 (Seventh Circuit, 1992)
Dennis Slowiak and Jane Slowiak v. Land O'lakes, Inc.
987 F.2d 1293 (Seventh Circuit, 1993)

Cite This Page — Counsel Stack

Bluebook (online)
Soyinka v. Franklin Collection Service, Inc., Counsel Stack Legal Research, https://law.counselstack.com/opinion/soyinka-v-franklin-collection-service-inc-ilnd-2022.