Weekly v. Fifth Third Bank

CourtDistrict Court, N.D. Illinois
DecidedDecember 22, 2020
Docket1:20-cv-01786
StatusUnknown

This text of Weekly v. Fifth Third Bank (Weekly v. Fifth Third Bank) 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
Weekly v. Fifth Third Bank, (N.D. Ill. 2020).

Opinion

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

LESLIE T. WEEKLY,

Plaintiff, No. 20 CV 01786 v. Judge Mary M. Rowland FIFTH THIRD BANK, NATIONAL ASSOCIATION,

Defendant.

MEMORANDUM OPINION & ORDER

Leslie T. Weekly (“Weekly”) alleges Fifth Third Bank, National Association (“Fifth Third”) violated the Telephone Consumer Protection Act (“TCPA”) and the Illinois Consumer Fraud and Deceptive Practices Act (“ICFA”). Fifth Third has filed a motion to dismiss. (Dkt. 13). For the reasons stated below, this motion is denied. LEGAL STANDARD

A motion to dismiss tests the sufficiency of a complaint, not the merits of the case. Gibson v. City of Chicago, 910 F.2d 1510, 1520 (7th Cir. 1990). “To survive a motion to dismiss under Rule 12(b)(6), the complaint must provide enough factual information to state a claim to relief that is plausible on its face and raise a right to relief above the speculative level.” Haywood v. Massage Envy Franchising, LLC, 887 F.3d 329, 333 (7th Cir. 2018) (quotation marks and citation omitted); see also Fed. R. Civ. P. 8(a)(2) (requiring a complaint to contain a “short and plain statement of the claim showing that the pleader is entitled to relief”). A court deciding a Rule 12(b)(6) motion accepts plaintiff’s well-pleaded factual allegations as true and draws all possible inferences in the plaintiff’s favor. Cole v. Milwaukee Area Tech. Coll. Dist., 634 F.3d 901, 903 (7th Cir. 2011). A plaintiff need not plead “detailed factual

allegations,” but “still must provide more than mere labels and conclusions or a formulaic recitation of the elements of a cause of action for her complaint to be considered adequate under Federal Rule of Civil Procedure 8.” Bell v. City of Chi., 835 F.3d 736, 738 (7th Cir. 2016) (quotation marks and citation omitted). Dismissal for failure to state a claim is proper “when the allegations in a complaint, however true, could not raise a claim of entitlement to relief.” Bell Atl. Corp. v. Twombly, 550 U.S. 544, 558, 127 S. Ct. 1955, 1966 (2007); see also Ashcroft v. Iqbal, 556 U.S. 662,

679, 129 S. Ct. 1937, 1950 (2009). BACKGROUND Fifth Third is a national bank, headquartered in Cincinnati, Ohio.1 Weekly opened a checking account at Fifth Third in 2018. In December of 2019, Weekly’s wallet was stolen, and the culprit over-drafted his account. Weekly was charged a fee of $100.00 for this over-draft. He called Fifth Third to inform them of the fraudulent

withdrawal. A bank representative told him to visit a local branch and complete paperwork to report his stolen wallet and the resulting over-draft. One month later, in January of 2020, Weekly began receiving collection phone calls from Fifth Third about the unpaid $100.00 over-draft fee. On February 15, 2020, Weekly answered his cell phone and asked why Fifth Third had been “repeatedly”

1 All facts referenced in this Order come from the Complaint unless otherwise specified. calling him. The Fifth Third representative responded that they were calling about the $100.00 debt. Weekly stated that this debt was invalid because his wallet had been stolen and told the representative to stop calling him. A similar phone call took

place two weeks later, on February 28, 2020. Weekly again told the representative not to call him. In total, Fifth Third made twenty-seven phone calls to Weekly’s cell phone. Although the two phone calls each involved conversations with a human representative of Fifth Third, Weekly alleges that the bank was using an automated telephone dialing system (“ATDS”) to place the calls. He bases this allegation on the fact that, after he answered each call, he was met with a three-second silent “pause”

while the system connected him to a representative. He argues that the volume of calls, and the fact that the calls continued after he asked representatives to stop calling support the inference that his number was being dialed using an ATDS. (Dkt. 21, 5). Count 1 of the Complaint claims the Bank violated the TCPA and Count 2 alleges that it violated the ICFA. ANALYSIS

Fifth Third argues both counts should be dismissed. First, it argues that Weekly has not set forth sufficient factual allegations to support a reasonable inference that Fifth Third used an ATDS, and has therefore not met the pleading standard of the TCPA. Second, it argues that these calls were not unfair or deceptive under the ICFA, whether or not they were placed with an ATDS. Each of these arguments is addressed in turn. I. TCPA In support of its arguments challenging the sufficiency of the TCPA claim, Fifth Third relies on two recent cases: Gadelhak v. AT&T Servs., Inc., 950 F.3d 458

(7th Cir. 2020) and Perez v. Quicken Loans, Inc., No. 19 CV 2072, 2020 WL 1491145 (N.D. Ill. Mar. 27, 2020).2 In Gadelhak, the Seventh Circuit reexamined the TCPA’s definition of an ATDS. According to the plain text of the TCPA, an ATDS is defined as “equipment which has the capacity (A) to store or produce telephone numbers to be called, using a random or sequential number generator; and (B) to dial such numbers.” 47 U.S.C. § 227(b)(1). The Seventh Circuit held “that the phrase ‘using a random or sequential

number generator’ describes how the telephone numbers must be ‘stored’ or ‘produced.’” Gadelhak, 950 F.3d at 468. Up to that point, the definition of an ATDS was “broader [and] include[d] situations where the device dialed numbers from a list, not necessarily a randomly or sequentially generated list.” Mosley v. Gen. Revenue Corp., No. 20 CV 01012, 2020 WL 4060767, at *3 (C.D. Ill. July 20, 2020); see also Blow v. Bijora, Inc., 855 F.3d 793, 801 (7th Cir. 2017) (describing how the pre-

Gadelhak definition of ATDS included “predictive dialers, which dial numbers from customer calling lists”) (quotation and citation omitted). Gadelhak held that a system which “neither stores nor produces numbers using a random or sequential number

2 Other district courts have considered Gadelhak when ruling on motions to dismiss since the parties briefed this motion. See Mosley v. Gen. Revenue Corp., No. 120 CV 01012, 2020 WL 4060767 (C.D. Ill. July 20, 2020); Klueh v. Paul Vallas for All Chicago, No. 19 CV 00249, 2020 WL 4934975 (N.D. Ill. Aug. 24, 2020); and Drew v. Am. Directions Research, Grp., No. 20 CV 00402, 2020 WL 6118539, at *2 (N.D. Ill. Oct. 16, 2020). generator [but rather] exclusively dials numbers stored in a customer database [. . .] is not an ‘automatic telephone dialing system.’” 950 F.3d at 460. The impact Gadelhak has had on pleading TCPA claims is not entirely clear.

In Mosley, No. 120 CV 01012, 2020 WL 4060767, at *2, the court observed that “[w]hile Gadelhak provided useful guidance on how to interpret the TCPA provisions on ATDS, it was an appeal from the district court’s grant of summary judgment.

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Weekly v. Fifth Third Bank, Counsel Stack Legal Research, https://law.counselstack.com/opinion/weekly-v-fifth-third-bank-ilnd-2020.