TX Direct, LLC v. First Data Merchant Services LLC

CourtDistrict Court, W.D. Tennessee
DecidedJuly 22, 2025
Docket2:22-cv-02685
StatusUnknown

This text of TX Direct, LLC v. First Data Merchant Services LLC (TX Direct, LLC v. First Data Merchant Services LLC) is published on Counsel Stack Legal Research, covering District Court, W.D. Tennessee primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
TX Direct, LLC v. First Data Merchant Services LLC, (W.D. Tenn. 2025).

Opinion

IN THE UNITED STATES DISTRICT COURT FOR THE WESTERN DISTRICT OF TENNESSEE WESTERN DIVISION

TX DIRECT, LLC, ) ) Plaintiff, ) ) No. 2:22-cv-02685-TLP-tmp v. ) ) FIRST DATA MERCHANT SERVICES ) LLC and WELLS FARGO BANK, N.A., ) ) Defendants. )

ORDER GRANTING DEFENDANTS’ MOTION TO STRIKE OR EXCLUDE THE REPLY REPORT OF CHAD SALSBERY

On January 24, 2025, Plaintiff TX Direct, LLC (“TX Direct”) served First Data Merchant Services LLC (“First Data”) and Wells Fargo Bank, N.A. (“Wells Fargo”) (collectively “Defendants”) with the expert report of Mr. Chad Salsbery (“Initial Report”). (ECF No. 124-3.) In the Initial Report, Mr. Salsbery opined on TX Direct’s damages resulting from Defendants’ alleged breach of a contract. (ECF No. 124-5.) Counsel deposed Mr. Salsbery on February 11, 2025. (ECF No. 127-1 at PageID 3097.) In turn, on February 21, 2025, Defendants served on TX Direct the rebuttal expert report of Mr. Adam Rabinowitz, which challenges many parts of the Initial Report. (ECF No. 124-10.) Then, on April 11, 2025, TX Direct served on Defendants a “Reply Report” of Mr. Salsbery. (See ECF No. 133 at PageID 3846.) The Reply Report is dated March 31, 2025. (ECF No. 127- 4.) On May 9, 2025, Defendants filed a document, naming it on the docket as “SEALED MOTION to Strike or Exclude Reply Report.” (ECF No. 130.) But Defendants attached the wrong document. (See id.) TX Direct then responded in opposition to the unfiled Motion. (ECF No. 133.) On June 23, 2025, the Court pointed out the error and allowed Defendants to fix the issue. (ECF No. 137.) The next day, Defendants filed the correct Motion to Strike or Exclude the Reply Report (“Motion to Strike”). (ECF No. 138-1.) Defendants also explained that the

filing of the wrong document was an internal administrative error and that they served the correct document on TX Direct on May 9, 2025. (ECF No. 138.) The Court will first set out some basic background information, then will take up the Motion to Strike. BACKGROUND By way of background, this case is a dispute among participants in the credit card payment processing system—an independent sales organization (“ISO”), TX Direct, a processor, First Data, and an acquiring bank, Wells Fargo.1 ISOs, like TX Direct, solicit and board new merchants for merchant accounts with processors and acquiring banks.2 (ECF No. 131-1 at PageID 3758.) And, for many years, TX Direct performed this function for Defendants under a

Merchant Program Processing Agreement (“Wholesale Agreement”). (Id. at PageID 3761.) In this arrangement, TX Direct added the new merchants to its portfolio (“Wholesale Portfolio”) through a platform called AccessOne. (See ECF No. 125-6 at PageID 2288; ECF No. 131-1 at PageID 3763.) But on September 19, 2022, First Data cut off TX Direct’s ability to board new

1 The Court will summarize the facts here more fully in a forthcoming order on Defendants’ Motion for Summary Judgment. 2 A merchant that wishes to accept debit or credit cards must have a merchant account with an acquiring bank that has relationships with credit card networks like Visa and Mastercard. (ECF No. 131-1 at PageID 3757.) To process the card transactions, the acquirer often enters a contract with a “processor.” (Id. at PageID 3758.) In turn, the processor and acquirer enter into contracts with ISOs, which solicit and board new merchants for merchant accounts with the processor and acquirer. (Id.) merchants using AccessOne. (ECF No. 131-1 at PageID 3791.) That said, TX Direct still added around 100 merchants to its Wholesale Portfolio after the cutoff date. (See ECF No. 124-5 at PageID 1643.) TX Direct sued Defendants, alleging that cutting off its boarding capabilities breached

the Wholesale Agreement. (ECF No. 92 at PageID 960.) In both his Initial Report and Reply Report, Mr. Salsbery claims to measure TX Direct’s damages from this alleged breach. (ECF Nos. 124-5, 127-4.) Mr. Salsbery calls these damages TX Direct’s “diminution of value” damages. (ECF No. 124-5 at PageID 1641; ECF No. 127-4 at PageID 3471.) In addition, Defendants have not paid TX Direct residuals for many of the merchants that it boarded after the cutoff date. And so, in his reports, Mr. Salsbery provides calculations for the amount of these unpaid residuals. (ECF No. 124-5 at PageID 1648; ECF No. 127-4 at PageID 3472.) The unpaid residuals calculations are distinct from the “diminution of value” calculations. (See ECF No. 124-5 at PageID 1648; ECF No. 127-4 at PageID 3472.) As will be described later in this Order, there are many differences between the Initial

Report and Reply Report. And, based on these changes, Defendants move to strike the Reply Report, arguing that the Reply Report is not a mere supplementation of the Initial Report. (ECF No. 138-1.) Rather Defendants suggest the Reply Report is best seen as a new expert opinion. (Id. at PageID 3891.) And Defendants point out that the deadline to disclose new expert opinions was January 24, 2025. (Id. at PageID 3890–91; see ECF No. 105.) Accordingly, Defendants ask the Court to strike the Reply Report. (ECF No. 138-1 at PageID 3890–91.) ANALYSIS The Court now addresses the Motion to Strike. Along with contesting the Motion to Strike on its merits, TX Direct argues that the Motion to Strike is improper for procedural reasons. (See ECF No. 133.) The Court first takes up the procedural arguments.

I. Untimely and Failure to Consult TX Direct asserts that Defendants’ Motion to Strike is untimely and that the Court should deny it. (ECF No. 133.) TX Direct explains that it served the Reply Report on Defendants on April 11, 2025, and that Defendants did not move to strike it until 28 days later, on May 9, 2025.3 (Id. at PageID 3844.) But the Court does not view 28 days as a significant or problematic delay. From the Court’s view, 28 days is a reasonable length of time between Defendants receiving the Reply Report and moving to strike it. TX Direct further claims that Defendants should have moved to strike by April 18, 2025, which was the deadline for “F.R.E. 702/Daubert Motions to Exclude Experts” in the Scheduling Order. (ECF No. 119; ECF No. 133 at PageID 3844–45.) The Court disagrees. Defendants’ Motion is not one discussing Federal Rule of Evidence 702, and it is not a Daubert Motion.4

(See ECF No. 138-1 at PageID 3900.) In fact, Defendants’ Motion does not discuss the Reply

3 As noted above, the Motion to Strike was not actually filed on the docket until June 24, 2025. (ECF No. 138-1.) But TX Direct received a copy of it on May 9, 2025. (ECF No. 138.) And both Parties thought it was filed on May 9, 2025. (See id.; ECF No. 133.) Indeed, TX Direct responded to the unfiled motion. (ECF No. 133.) 4 What is more, the Court sets the Daubert motion deadline partially based on the expert disclosure deadlines. Here, TX Direct’s expert disclosure deadline was in January 2025 and Defendants’ expert disclosure deadline was in February 2025. (ECF No. 105.) The Daubert motions were then due April 18, 2025, after the expert deposition deadline of April 8, 2025. (ECF No. 119.) Considering TX Direct did not disclose the Reply Report until April 11, 2025— which was after the expert deposition deadline, two and a half months after TX Direct’s expert disclosure deadline, and two months after Mr. Salsbery’s deposition—it would be unfair to apply the Daubert motion deadline to Defendants’ Motion to Strike. Report’s reliability or relevance to the case. (See id.) Instead, Defendants move to strike or exclude the Reply Report because it is not proper under Federal Rule of Civil Procedure 26.

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TX Direct, LLC v. First Data Merchant Services LLC, Counsel Stack Legal Research, https://law.counselstack.com/opinion/tx-direct-llc-v-first-data-merchant-services-llc-tnwd-2025.