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Silva v. Barclays Bank Delaware

United States District Court, D. Oregon

October 14, 2014



THOMAS M. COFFIN, Magistrate Judge.

Pro se plaintiff, Richard Silva, initiated this action by filing a complaint with the Small Claims Department of the Circuit Court of the State of Oregon for the County of Marion on April 7, 2014. In the initial complaint, plaintiff asserted that defendant, Barclaycard (aka Barclays Bank), "owe[s] him the sum of $5, 000 damages because of actions by the defendant in disregard of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act." Small Claim and Notice of Small Claim at p. 1 attached Notice ofRemoval (#1-1). On April18, 2014, defendant removed to this court asserting federal question jurisdiction as plaintiffs claims arise under Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681, and the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692.

This court recommended dismissal ofthe FCRA claim, without prejudice, and FDCP A claim, with prejudice, on May 23, 2014. The District Court adopted the F&R on June 19, 2014, and gave plaintiffleave to file an amended complaint. On July 2, 2014, plaintiff filed an amended complaint that, liberally construed, asserts claims for violation of: the Fair Credit Billing Act (FCBA), 15 U.S.C. § 1666, et seq.; the Oregon Unfair Debt Collections Practices Act (UDCPA), O.R.S. § 646.639; and the FDCPA. Plaintiff also asserts a claim for intentional infliction of emotional distress. Plaintiff is no longer pursuing a claim under the FCRA. Defendant again moves to dismiss.[1]


A credit card provider such as defendant must acknowledge, investigate, and explain its decision regarding a disputed charge, after a credit card holder provides written notice, to the address designated for billing inquiries, that:

(1) sets forth or otherwise enables the creditor to identify the name and account number (if any) of the obligor,
(2) indicates the obligor's belief that the statement contains a billing error and the amount of such billing error, and
(3) sets forth the reasons for the obligor's belief (to the extent applicable) that the statement contains a billing error....

15 U.S.C. 1666(a).

Plaintiff alleges he sent an email to "Barcleycard US, Card Services" with a copy to Ms. Elizabeth Christopher, Barclays Bank Delaware Executive Office, that his account was at issue (stemming from an apparent compromise of the account noted by Barclay card) and that he would not make any further payments until the issue was resolved. Plaintiff alleges that he did not state an amount at issue because he wanted the investigation to determine such information. Plaintiff does not allege that he sent written correspondence to the appropriate designated address for such disputes.

Moreover, plaintiff failed to identify any particular charge or amount and only states that "the balance seems excessively high." Response (#19) at p. 6. Indeed, plaintiff acknowledges that he is not aware of any actual billing error only that one may be possible. See Response to Reply (#21) at p. 2 ("the billing statement could have a billing error due to a compromised debt balance yet to be determined."). Plaintiffs communications with defendant were insufficient to trigger any obligation under the FCBA because they did not identify any particular billing error, [2] the amount, or legitimate explanation of why he believed the billing was in error. Accordingly, the FCBA claim should be dismissed.


As noted above, plaintiff alleges that defendant violated the FCBA by asserting that defendant engaged in collection activities before sending its explanation in response to the dispute. First Amended Complaint (# 15) at p. 10. Plaintiff further alleges that such activity also violated the UDCPA, Id. at p. 11, because O.R.S. § 646.639(2)(k) prohibits attempts to collect debts via threats of rights or remedies that the debt collector lmows does not exist. In other words, because, as plaintiff alleges, defendant could not collect on the debt until it investigated plaintiffs vague claim of billing error and provided its explanation, the UDCPA prohibited actions taken by defendant assigning the debt to collections. However, as noted above, plaintiffs correspondence with defendant was insufficient to trigger any such obligation and, thus, its attempts to collect the debt owed by plaintiff did not violate the UDCPA Plaintiffs UDCPA claim should, therefore be dismissed.[3]

C. Intentional Infliction of Emotional Distress

An liED claim requires plaintiff to prove three elements: (1) that defendant intended to cause plaintiff severe emotional distress or knew with substantial certainty that its conduct would cause such distress; (2) that defendant engaged in outrageous conduct, i.e., conduct extraordinarily beyond the bounds of socially tolerable behavior; and (3) that defendant's conduct in fact caused plaintiff severe emotional distress. McGanty v. Staudenraus , 321 Or. 532, 543 (1995).

Plaintiff contends that defendant's actions reflect a total disregard of providing him with any hope of working toward a solution[4] of the original debt issue. Plaintiff further contends that defendant engaged in alleged lies regarding debt collection activity. In addition to failing to resolve this case to his satisfaction without resorting to motions, plaintiff also lists various collections activities allegedly resulting in issues with his ability to gain credit. Plaintiffs claim is based on his continued belief that because he had some vague notion that perhaps his credit card had been compromised and that he may not be responsible for the some balance owing on that credit card. Accordingly, plaintiff asserts that defendant's attempts to collect a debt that he believes may or may not be valid constitutes an extraordinary transgression of the bounds of socially tolerable conduct.

Whether conduct is an extraordinary transgression is a fact-specific inquiry, to be considered on a case-by-case basis, based on the totality of the circumstances. The inquiry looks at whether the offensiveness of the conduct exceeds any reasonable limit of social toleration, which is a judgment of social standards rather than of specific occurrences. Hall v. The May Dept. Stores , 292 Or. 131, 137 (1981). There are several factors that can guide the determination, such as the relationship between the plaintiff and the defendant and the setting of the conduct. It is for the trial court to determine, in the first instance, whether a defendant's conduct may reasonably be regarded as so extremeand outrageous as to permit recovery. If the minds of reasonable people would not differ on the subject, the court is obliged to grant summary judgment. Pakos v. Clark , 253 Or. 113, 132 (1969).

As noted above, plaintiffs complaint did not require defendants to provide the kind of investigation and explanation required by the FCBA. Moreover, although defendant did assign the account to a collections agency, it also, as plaintiff alleges, verified the account after receiving correspondence from plaintiff. First Amended Complaint (#19) at p. 9. The complaint fails to identify, as a matter of law, conduct sufficient to support an intentional infliction of emotional distress claim. This claim should be dismissed.


to the extent plaintiff attempted to revive this claim in the amended complaint, he now concedes that he is not alleging such claim.


The court has considered plaintiffs sur-reply in opposition to the motion to dismiss and, therefore, defendant's motion to strike plaintiffs sur-reply (#22) is denied. For the reasons stated above, defendant's second motion to dismiss (#18) should be granted. Plaintiffs motion for summary judgment (#23) should be denied as moot. All other pending motions should be denied as moot and this action should be dismissed.

This recommendation is not an order that is immediately appealable to the Ninth Circuit Court of appeals. Any notice of appeal pursuant to Rule 4(a)(1), Federal Rules of Appellate Procedure, should not be filed until entry of the district court's judgment or appealable order. The parties shall have fourteen (14) days from the date of service of a copy of this recommendation within which to file specific written objections with the court. Thereafter, the parties shall have fourteen (14) days within which to file a response to the objections. Failure to timely file objections to any factual determination of the Magistrate Judge will be considered as a waiver of a party's right to de novo consideration of the factual issues and will constitute a waiver of a party's right to appellate review of the findings of fact in an order or judgment entered pursuant to this recommendation.

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