USAA Federal Savings Bank v. Soldis CA1/2

CourtCalifornia Court of Appeal
DecidedSeptember 3, 2014
DocketA138746
StatusUnpublished

This text of USAA Federal Savings Bank v. Soldis CA1/2 (USAA Federal Savings Bank v. Soldis CA1/2) is published on Counsel Stack Legal Research, covering California Court of Appeal primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
USAA Federal Savings Bank v. Soldis CA1/2, (Cal. Ct. App. 2014).

Opinion

Filed 9/3/14 USAA Federal Savings Bank v. Soldis CA1/2 NOT TO BE PUBLISHED IN OFFICIAL REPORTS California Rules of Court, rule 8.1115(a), prohibits courts and parties from citing or relying on opinions not certified for publication or ordered published, except as specified by rule 8.1115(b). This opinion has not been certified for publication or ordered published for purposes of rule 8.1115.

IN THE COURT OF APPEAL OF THE STATE OF CALIFORNIA

FIRST APPELLATE DISTRICT

DIVISION TWO

USAA FEDERAL SAVINGS BANK, Plaintiff and Respondent, A138746 v. JOSEPH SOLDIS, (Sonoma County Super. Ct. No. SCV-252561) Defendant and Appellant.

Appellant Joseph Soldis (Soldis) and respondent USAA Federal Savings Bank (usually, the Bank) have a long and checkered history. It began in 1998, when Soldis opened his first checking account at the Bank. Soldis overdrew the account, but did not pay it back, and in 2002 the Bank “charged off” the debt—though the debt remained on the Bank’s books. Soldis opened another account with the Bank, and again overdrew it, leading to a dispute about whether the Bank could set off the prior debt, a dispute that apparently was resolved. In April 2012, Soldis opened yet another account with the Bank, with an initial deposit of $50, which the Bank applied as an offset to Soldis’s debt. In July 2012, Soldis sent a letter to USAA, asserting that the matter had already been settled, and making demands on the Bank, and that it release his debt. This lawsuit followed. The bank filed a one-count complaint for declaratory relief, alleging this essential dispute: “A dispute and an actual controversy has arisen and now exists between USAA FSB and Soldis as to the respective rights, duties and obligations of the parties under and by virtue of the terms, limitations, conditions, and provisions of the Depository

1 Agreement, in that USAA FSB contends that it is entitled to a setoff due to overdrawn funds, while Soldis disagrees with this assessment.” Soldis filed an anti-SLAPP motion, asserting that the Bank’s lawsuit was based on protected activity, his letter to the Bank. The trial court denied the motion, concluding that the Bank’s suit was not based on protected activity. We reach the same conclusion, and we affirm. BACKGROUND The Bank’s Complaint On October 23, 2012, the Bank filed a complaint for declaratory relief against Soldis. The complaint was six pages long, and asserted one cause of action, based on eight essential paragraphs, alleging the following facts: “The Depository Agreement “4. Soldis and USAA FSB entered into a banking relationship governed by, inter alia, a Depository Agreement. At all times relevant herein Soldis was aware, or should have been aware in the normal course, of the terms of the Depository Agreement, his obligations, and USAA FSB’S rights under the Depository Agreement. . . . “5. At all relevant times mentioned herein the Depository Agreement was in full force and effect. . . . “6. Within the Depository Agreement is a section entitled Changes to Agreement. This section states, in pertinent part, as follows: “Bank may change this agreement at any time, whether by adding new terms and conditions, or deleting or amending existing ones. . . . If you do not agree with a change, you may close your account. However, if you continue to use your account or keep it open, you accept and agree to the change. The current version of this Agreement supersedes all prior versions and contains the terms governing your account. “7. Also, within Depository Agreement is a section entitled ‘Charging an Account.’ This section states, in pertinent part, as follows: “Bank may deduct fees, overdrafts, and other amounts you owe to Bank from your accounts with Bank or from your accounts with Bank’s affiliates. Bank may make such deductions at any time and without prior notice to you or request from you. If there are

2 not enough funds in the account to cover amounts owed to Bank, Bank may overdraw your account. You agree to pay immediately all amounts you owe Bank. Bank may use deposits you or others make to your account, including any Federal or state benefit payments that you choose to deposit in any account (including direct deposit of Social Security benefits) to pay fees, overdrafts and other amounts you owe Bank. You understand and agree that if you do not want your benefits applied in this you may change your direct deposit instructions to the benefits payor at any time. This provision does not apply to any consumer credit accessed by a credit card. (Emphasis added.) “8. Still further within the Depository Agreement it states, in relevant part, as follows: “Overdrafts and insufficient Fund Fees “When you do not have enough available funds in your account to cover a check or other item . . . Bank considers the item an insufficient fund item. Bank may, without notice to you and in it [sic] sole discretion, either pay such items and overdraw your account, or decline or return such items unpaid. In either case, Bank may charge for each insufficient funds item and for each overdraft. . . . [¶] If Bank overdraws your account to pay an insufficient funds item, you agree to repay Bank immediately, without notice or demand from Bank. Bank may use subsequent deposits or credits to the account, including without limitation deposits of government, welfare, retirement, and social security benefits, to pay any overdraft you owe the bank, to the fullest extent permitted by law. You understand and agree that if you do not want such benefits applied in this way, you may change your direct deposit instructions to the benefits payor at any time. . . . [¶] Bank may cover any over draft by debit to any other checking, savings, or time deposit account of any account holder without notice to the account holder, but Bank is not obligated to do so. You agree to pay all costs and expenses, including attorney’s fees, that Bank incurs in the collection of any overdraft. (Emphasis added.) “9. Finally, within the Depository Agreement it states, in relevant part, as follows:

3 “Setoff and Security Interest “You agree that Bank may, without prior notice or demand, apply or setoff the funds in your account (and accounts you own with others) at any time to pay any debt, whether direct, or indirect, that you have with Bank, and/or any fees or service charges owed to Bank. In addition to its rights under the law (called setoff), you grant bank a security interest in each account to secure such debt; as it may arise. . . . [¶] . . . Bank may charge any such debt against your account at any time, without regard to the origin of deposits to the account or beneficial ownership of the funds. (Emphasis added.) “The Dispute “10. USAA FSB is informed and believes; and on that basis alleges, that Soldis has had, and still does, maintain various accounts with USAA FSB. One of the accounts that was previously used by Soldis included a checking account that was opened on or about December 17, 1998. This account became overdrawn due to the conduct of Soldis. The negative balance was approximately $4,214.30. Soldis never made any arrangements to pay off this amount due and owing to USAA FSB. “11. Thereafter, pursuant to its rights under the Depository Agreement, in 2012, USAA FSB partially setoff approximately $50 of the sums Soldis owed to USAA FSB. Soldis continues to owe USAA FSB on his overdrawn accounts. “12. On or about July 5, 2012, Soldis sent a ‘Demand for Payment from USAA FSB’ to USAA FSB. Within that document Soldis contends—contrary to the Depository Agreement and controlling law—that USAA FSB did not, and does not, have the authority to setoff the sums as it did from one of his accounts with USAA FSB. He thereafter demands various sums from USAA FSB.” The Anti-SLAPP Motion On February 15, 2013, Soldis filed a demurrer to the complaint.

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Bluebook (online)
USAA Federal Savings Bank v. Soldis CA1/2, Counsel Stack Legal Research, https://law.counselstack.com/opinion/usaa-federal-savings-bank-v-soldis-ca12-calctapp-2014.