Teresa Ward Cooper, as Next Friend of Jane Doe/D.T. v. First Financial Bank, N.A.

CourtCourt of Appeals of Texas
DecidedOctober 28, 2020
Docket05-19-00569-CV
StatusPublished

This text of Teresa Ward Cooper, as Next Friend of Jane Doe/D.T. v. First Financial Bank, N.A. (Teresa Ward Cooper, as Next Friend of Jane Doe/D.T. v. First Financial Bank, N.A.) 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.

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Teresa Ward Cooper, as Next Friend of Jane Doe/D.T. v. First Financial Bank, N.A., (Tex. Ct. App. 2020).

Opinion

AFFIRMED and Opinion Filed October 28, 2020

S In The Court of Appeals Fifth District of Texas at Dallas No. 05-19-00569-CV

TERESA WARD COOPER, AS NEXT FRIEND OF JANE DOE/D.T., Appellant V. FIRST FINANCIAL BANK, N.A., Appellee

On Appeal from the 380th Judicial District Court Collin County, Texas Trial Court Cause No. 380-01566-2016

MEMORANDUM OPINION Before Justices Whitehill, Pedersen, III, and Reichek Opinion by Justice Reichek Teresa Ward Cooper, as next friend of Jane Doe/D.T., appeals the trial court’s

declaratory judgment in favor of First Financial Bank, N.A. (the “Bank”). Appellant

brings five issues, with multiple sub-issues, generally contending the trial court erred

in declaring that a document attempting to appoint Jay Sandon Cooper, appellant’s

husband, as D.T.’s deputy for purposes of a safe deposit box lease was ineffective

and in failing to award appellant her attorney’s fees. In addition, appellant requests

that all copies of a medical document submitted by the Bank in this case be turned over to D.T. and expunged from the court’s record. For the reasons that follow, we

affirm the trial court’s judgment and deny appellant’s request.

Background

On July 7, 2015, D.T. executed a safe deposit box lease with the Bank (the

“Lease”). The Lease provided for the appointment of a deputy with authority to act

on D.T.’s behalf in connection with the Lease, the safe deposit box, and the box’s

contents. D.T. left the appointment space blank. The Lease further provided that

D.T. could appoint a deputy in the future by written notice so long as that notice (1)

was signed by D.T. along with an acknowledgement, (2) specifically referenced the

Lease, (3) indicated whether or not the appointment was intended as a power of

attorney with authority surviving D.T.’s disability or incapacity, and (4) included or

was accompanied by the signature of the deputy accepting the appointment and

confirming the Lease.

Approximately two months after D.T. entered into the Lease, Jay Sandon

Cooper presented the Bank with a power of attorney indicating he had been

appointed as D.T.’s attorney-in-fact. One of the powers listed in the document was

“banking and other financial institution transactions.” Based on this power of

attorney, Cooper1 requested access to D.T.’s safe deposit box.

1 All references to “Cooper” are to Jay Sandon Cooper. Teresa Ward Cooper is referred to as “appellant.” –2– According to Dereece Howell, the Bank’s executive vice-president and chief

operations officer, the Bank had a handwritten statement from D.T. in its files

withdrawing a previous power of attorney she had granted to Cooper. Cooper’s new

power of attorney was not filed in Hood County, where the Bank was located, which

was required under Bank policy. In addition, Howell testified Cooper provided the

Bank with a physician’s statement predating D.T.’s signature on the new power of

attorney, declaring that D.T. was incapable of making executive decisions.2 The

Bank informed Cooper it would not accept the new power of attorney and he was

not given access to D.T.’s safe deposit box.

Six weeks later, Howell spoke with D.T. by phone. Howell and D.T.

discussed closing D.T.’s account and allowing Cooper access to the safe deposit box.

Following that conversation, Howell sent D.T. a letter enclosing a form for D.T. to

appoint Cooper as her deputy. Instead of adding Cooper as someone with authority

under the Lease, the form sent by the Bank was drafted to have Cooper act as D.T.’s

deputy for the purposes of emptying the safe deposit box and terminating the Lease.

The form contained a hold-harmless agreement in favor of the Bank for any claims

arising out of the Bank’s reliance on D.T.’s appointment of Cooper as her deputy.

2 Although the physician’s statement was not introduced into evidence, Howell testified regarding its contents. Appellant’s objections to this testimony were overruled and appellant does not challenge that ruling on appeal. –3– Cooper testified that D.T. refused to sign the form sent by the Bank because

of the hold-harmless language. Instead, Cooper drafted a different appointment

document that merely stated he was appointed as D.T.’s deputy. Although Cooper’s

signature on the document was acknowledged before a notary, D.T.’s signature was

not. Howell testified the Bank was concerned about the fact that D.T.’s signature on

the appointment was not notarized, but it wanted to try to make something work for

D.T. On November 2, Howell sent Cooper an email stating that, because the deputy

appointment form had not been acknowledged before a notary public, it was

important for her to speak directly to D.T. Howell further stated that, if D.T.

confirmed her signature on the appointment document and acknowledged she

wished to appoint Cooper as her deputy, the Bank would waive the other

appointment requirements set forth in the Lease and accept Cooper as D.T.’s deputy.

Howell testified that, in response to this email, she was told that she would not be

allowed to communicate with D.T. and Cooper began sending her threatening letters

and emails.

The Bank filed this suit on April 8, 2016, seeking a declaratory judgment that

the deputy appointment form tendered by Cooper was ineffective because it did not

meet the requirements set out in the Lease. The Bank attached numerous documents

to its petition, including the Lease, the purported new power of attorney, the deputy

appointment tendered by Cooper, and the physician’s statement declaring that D.T.

was not capable of making executive decisions.

–4– On the same day it filed its original petition, the Bank also filed a motion for

the appointment of a guardian ad litem and a motion to seal the court’s records to

protect D.T.’s identity and privacy. The trial court granted the sealing motion and

appointed a guardian ad litem for D.T. In its order appointing the ad litem, the court

stated it appeared from the record that D.T. was an elderly person who had been

diagnosed with dementia and may be vulnerable to identity theft and other abuses.

Appellant answered as D.T.’s next friend with a general denial. She also filed

a counterclaim seeking attorney’s fees. Appellant moved the court to remove the

guardian ad litem contending the appointment was groundless and there was no

indication that her interests as next friend were adverse to D.T.’s interests. The trial

court denied appellant’s motion.

The court conducted a bench trial at which Howell, Cooper, and appellant

testified. After hearing the evidence, the court concluded the deputy appointment

was not effective under the terms of the Lease. The court also denied appellant’s

counterclaim for attorney’s fees. Counsel for the Bank informed the court that the

Bank was willing to pay the fees for the ad litem and the trial court’s judgment

assessed the ad litem’s fees against the Bank.

In its findings of fact and conclusions of law, the court stated the deputy

appointment failed because it did not specify whether it was intended to operate as

a power of attorney surviving D.T.’s incapacity or disability and D.T.’s signature

was not acknowledged. The court further stated that, because it granted the Bank’s

–5– petition for declaratory judgment, appellant “was not the prevailing party, and her

claim for an award of attorney’s fees should have been, and was, denied.” Appellant

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