Swanson v. National Credit Services Inc

CourtDistrict Court, W.D. Washington
DecidedMay 31, 2022
Docket2:19-cv-01504
StatusUnknown

This text of Swanson v. National Credit Services Inc (Swanson v. National Credit Services Inc) is published on Counsel Stack Legal Research, covering District Court, W.D. Washington primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Swanson v. National Credit Services Inc, (W.D. Wash. 2022).

Opinion

4 UNITED STATES DISTRICT COURT 5 WESTERN DISTRICT OF WASHINGTON AT SEATTLE 6 7 ROSALYNE SWANSON, Case No. C19-1504-RSL 8 Plaintiff, ORDER GRANTING 9 v. PLAINTIFF’S MOTION FOR 10 CLASS CERTIFICATION NATIONAL CREDIT SERVICES, INC., 11 Defendant. 12 13 THIS MATTER is before the Court on plaintiff’s “Motion for Class Certification.” Dkt. 14 15 # 27. Having reviewed the memoranda submitted by the parties and the remainder of the record, 16 the Court finds as follows:1 17 I. BACKGROUND 18 19 Defendant is a Washington debt collection company. Dkt. # 28 at 9. The Department of 20 Education (“DOE”) hired defendant to collect its federal student loan debts. Dkt. # 29 at ¶¶ 4-6 21 (Declaration of Nicholas Myrben). Defendant received borrowers’ cell phone numbers from 22 23 three different sources: (1) from DOE directly; (2) from Maximus, DOE’s contractor, which 24 maintains a Debt Management Collection System (“DMCS”) with information regarding 25 26 1 Defendant requests oral argument. Dkt. # 28 at 1. The Court concludes that oral argument is 27 unnecessary to its disposition of the motion. See Local Rules W.D. Wash. LCR 7(b)(4). 28 1 borrowers; and (3) from third party vendors hired by defendant to perform skip tracing services. 2 Id. at ¶¶ 12-18. 3 On January 26, 2019, DOE placed plaintiff’s unpaid student loan with defendant for 4 5 collection. Dkt. # 29 at ¶ 24. That same day, defendant obtained plaintiff’s number through skip 6 tracing services performed by one of its vendors, Interactive Data LLC, also known as idiCORE 7 (“IDI”). Dkt. # 27-1 at 16 (Exhibit A); Dkt. # 28 at 10. Previously, in November 2017, Maximus 8 9 obtained plaintiff’s number in a phone conversation with plaintiff regarding potential loan 10 rehabilitation. Dkt. # 29-4 at 2 (Exhibit 4); Dkt. # 28 at 9. Although the recording of that 11 conversation became available to defendant on January 26, 2019, defendant did not become 12 13 aware of the recording or seek access to the file until almost one year later, when plaintiff filed 14 the instant lawsuit. Dkt. # 27-1 at 14 (Exhibit A); Dkt. # 29-3 (Exhibit 3). Defendant also 15 received a DMCS file from Maximus which included plaintiff’s number, but not until after it 16 17 had already acquired the number from IDI. Dkt. # 29 at ¶ 40. 18 Defendant called plaintiff on 23 different dates between January 31, 2019, and July 25, 19 2019. Dkt. # 29 at ¶ 38. Plaintiff alleges that defendant called her up to seven times a day. Dkt. 20 21 # 1 at ¶ 15. Plaintiff claims that defendant uses an automatic telephone dialing system (“ATDS”) 22 and prerecorded calls or artificial voice calls in violation of the Telephone Consumer Protection 23 Act (“TCPA”), 47 U.S.C. § 227, et seq. Dkt. # 1 at ¶ 3. Plaintiff seeks to certify and represent 24 25 the following class (the “No Consent Class”): 26 All persons in the United States who, from September 19, 2015 through the date 27 notice is disseminated, (1) Defendant caused to be called; (2) on the person’s 28 1 cellphone; (3) using the same dialing equipment that was used to call Plaintiff; (4) for the purpose of collecting a debt; and (5) had their cellphone number obtained by 2 NCS in the same way that NCS obtained Plaintiff’s cellphone number. 3 The following exclusions apply: (1) any Judge or Magistrate presiding over this 4 action and members of their families; (2) Defendant, Defendant’s subsidiaries, 5 parents, successors, predecessors, contractors, and any entity in which the Defendant or its parents have a controlling interest and their current or former 6 employees, officers and directors; (3) persons who properly execute and file a timely 7 request for exclusion from the Class; (4) persons whose claims in this matter have been finally adjudicate on the merits or otherwise released; (5) Plaintiff’s counsel 8 and Defendant’s counsel; and (6) the legal representatives, successors, and 9 assignees of any such excluded persons.

10 Dkt. # 27 at 2; Dkt. # 1 at ¶ 22. Plaintiff seeks declaratory relief, injunctive relief, actual 11 damages, treble damages for willful or knowing violations, statutory damages, and reasonable 12 13 attorney’s fees. Dkt. # 1 at 7-8. 14 Defendant denies using ATDS and artificial or prerecorded calls. Dkt # 28 at 10. 15 Defendant argues that because it had constructive access to the recording of plaintiff’s 2017 16 17 phone conversation with Maximus and received the DMCS file with plaintiff’s number, it had 18 plaintiff’s prior express consent to receiving calls. Id. at 7. Defendant also states that its policy is 19 to obtain express consent during its first live conversation with borrowers. Id. at 10. Since prior 20 21 express consent is an affirmative defense to TCPA claims, defendant contends the class 22 definition is overbroad, as it includes class members who gave their prior express consent as 23 well as those who did not. Id. at 8. Defendant maintains that the class thus cannot be certified 24 25 due to problems with commonality, typicality, and adequacy of representation. Id. at 8; 17. 26 Defendant also states that determining whether each individual class member gave their prior 27 28 1 express consent to Maximus will disrupt predominance. Id. at 17. Separately, defendant avers 2 that small claims court provides a superior forum for members of the putative class to litigate 3 their TCPA claims. Id. at 22-23. For the reasons set forth below, the Court disagrees and grants 4 5 class certification. 6 II. THRESHOLD ISSUES 7 A. Jurisdiction 8 9 The Court has subject matter jurisdiction over this action pursuant to 28 U.S.C. § 1331. 10 Plaintiff has stated a cause of action arising under the TCPA, which is a federal statute. 11 B. Article III Standing 12 13 Defendant argues that the putative class is overbroad because it contains class members 14 who gave their prior express consent to receiving phone calls, and that those members therefore 15 lack requisite injury for Article III standing. Dkt. # 28 at 22. For the reasons outlined below, the 16 17 class has standing to bring this case. 18 Article III, § 2 of the Constitution limits the federal judicial power to “cases” and 19 “controversies.” Standing is a judicially-created doctrine designed to protect the separation of 20 21 powers concerns embodied in the text of Article III. Allen v. Wright, 468 U.S. 737, 752 (1984) 22 (“[T]he law of Art. III standing is built on a single basic idea—the idea of separation of 23 powers.”) (abrogated on other grounds by Lexmark Intern., Inc. v. Static Control Components, 24 25 Inc., 572 U.S. 118 (2014)); see also INS v. Chadha, 462 U.S. 919, 946 (1983) (“[S]eparation of 26 powers was not simply an abstract generalization in the minds of the Framers: it was woven into 27 28 1 the documents that they drafted in Philadelphia in the summer of 1787.”) (quoting Buckley v. 2 Valeo, 424 U.S. 1, 124 (1976)). Standing protects separation of powers by ensuring that 3 plaintiffs have an adequate stake in the outcome of the litigation. TransUnion v. Ramirez, -- U.S. 4 5 ---, 141 S.Ct. 2190, 2203 (2021). 6 To satisfy Article III standing, a plaintiff must demonstrate that they have (1) suffered an 7 injury in fact, which is (2) fairly traceable to the challenged conduct of the defendant, and 8 9 (3) likely to be redressed by a favorable judicial decision. Lujan v. Defenders of Wildlife, 504 10 U.S. 555, 560-61 (1992).

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

Related

Hansberry v. Lee
311 U.S. 32 (Supreme Court, 1940)
Eisen v. Carlisle & Jacquelin
417 U.S. 156 (Supreme Court, 1974)
Schlesinger v. Reservists Committee to Stop the War
418 U.S. 208 (Supreme Court, 1974)
Buckley v. Valeo
424 U.S. 1 (Supreme Court, 1976)
General Telephone Co. of Southwest v. Falcon
457 U.S. 147 (Supreme Court, 1982)
Immigration & Naturalization Service v. Chadha
462 U.S. 919 (Supreme Court, 1983)
Allen v. Wright
468 U.S. 737 (Supreme Court, 1984)
Amchem Products, Inc. v. Windsor
521 U.S. 591 (Supreme Court, 1997)
Taylor v. Sturgell
553 U.S. 880 (Supreme Court, 2008)
Wolin v. Jaguar Land Rover North America, LLC
617 F.3d 1168 (Ninth Circuit, 2010)
Wal-Mart Stores, Inc. v. Dukes
131 S. Ct. 2541 (Supreme Court, 2011)
Ellis v. Costco Wholesale Corp.
657 F.3d 970 (Ninth Circuit, 2011)
Mazza v. American Honda Motor Co., Inc.
666 F.3d 581 (Ninth Circuit, 2012)
Jesse Meyer v. Portfolio Recovery Associates
707 F.3d 1036 (Ninth Circuit, 2012)
Comcast Corp. v. Behrend
133 S. Ct. 1426 (Supreme Court, 2013)
Rodriguez v. West Publishing Corp.
563 F.3d 948 (Ninth Circuit, 2009)
Yokoyama v. Midland National Life Insurance
594 F.3d 1087 (Ninth Circuit, 2010)
Lexmark Int'l, Inc. v. Static Control Components, Inc.
134 S. Ct. 1377 (Supreme Court, 2014)
Bradley Van Patten v. Vertical Fitness Group
847 F.3d 1037 (Ninth Circuit, 2017)

Cite This Page — Counsel Stack

Bluebook (online)
Swanson v. National Credit Services Inc, Counsel Stack Legal Research, https://law.counselstack.com/opinion/swanson-v-national-credit-services-inc-wawd-2022.