Holczler v. National Enterprise Systems, Inc.
Filing
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MEMORANDUM DECISION AND ORDER dated 8/17/16 granting defendant's 14 Motion for Summary Judgment, and plaintiffs motion for summary judgment is denied. ( Ordered by Judge Brian M. Cogan on 8/17/2016 )*Forwarded for jgm. (Guzzi, Roseann)
UNITED STATES DISTRICT COURT
EASTERN DISTRICT OF NEW YORK
----------------------------------------------------------RAIZY HOLCZLER,
Plaintiff,
- against NATIONAL ENTERPRISE SYSTEMS, INC.,
Defendant.
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MEMORANDUM
DECISION AND ORDER
16 Civ. 3020 (BMC)
COGAN, District Judge.
Plaintiff brings this case under the Fair Debt Collection Practices Act, 15 U.S.C.
1692g(a), alleging that defendant collection company sent her a false and misleading collection
notice because the notice misidentified the original creditor. Because the issue of whether the
language of the letter is false or misleading is straightforward, the parties agreed at the initial
status conference to proceed directly to cross-motions for summary judgment.
Plaintiff obtained a Visa credit card from the well-known clothing retailer GAP. GAP, of
course, is not a bank and thus cannot issue its own Visa card. It uses a bank called Synchrony
Bank as the acquiring bank for its GAP-branded Visa card. Plaintiff charged clothing at GAP on
her Visa card, and received monthly statements showing “Gap VISA CARD” as the account
creditor and directing that payment be made to “GAP VISA/SYNCHRONY BANK.” When
plaintiff failed to pay, the account went into collection, and Synchrony turned it over to
defendant.
The collection notice from defendant identified the “Original Creditor” as “Gap Visa
Card.” It identified the “Current Creditor” as “Synchrony Bank.” Plaintiff claims that from the
perspective of the least sophisticated consumer, this is “at best misleading, deceptive and
confusing” because “Gap Visa Card” is not the creditor. Plaintiff states her claim this way:
“Specifically, the Collection Letter errounously [sic] and falsly [sic] states that Gap Visa Card is
the original creditor when in fact Synchrony Bank is the actual creditor attempting to collect the
alleged debt.”
I do not know what plaintiff’s counsel expects from this unfortunate (by reason of
having been hailed into this action) collection company. Is the problem that it identified the
“Original Creditor” as “Gap Visa Card” instead of “Gap Visa” or “Gap Visa/Synchrony Bank?”
I don’t see that as confusing to anyone. If plaintiff reaches into her wallet, she will pull out a
credit card that says GAP Visa Card. She has been getting monthly statements that say Gap Visa
Card, and telling her to pay Gap Visa Card/Synchrony Bank. The collection notice, therefore,
identifies the original creditor as Gap Visa Card, and the current creditor as Synchrony Bank.
Plaintiff’s counsel, although condemning this notice as false and deceptive, has not offered any
alternative construction that would be acceptable to her. Her complaint is that “Synchrony Bank
is the actual creditor,” but the notice does identify Synchrony Bank as the “current creditor.” If
she is arguing that there is a difference between “actual” and “current,” I do not see it.
Even the least sophisticated consumer is not a dolt. Ellis v. Solomon and Solomon, P.C.,
591 F.3d 130, 135 (2d Cir. 2010). If a consumer applied for a Visa card at the Gap, and bought
some clothes there, and has been getting bills saying “Gap Visa card,” telling her to make her
checks payable to “Gap Visa/Synchrony Bank,” and she hasn’t paid the bills, and then she gets a
collection notice saying that the original creditor is “Gap Visa,” and that the current creditor is
Synchrony Bank – what, exactly, is there to be confused or misled about? A consumer who is
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confused by this disclosure is below even the highly protective standard of the FDCPA. She is
protected by other laws, like those pertaining to guardianship and conservatorship.
To the extent analogous authority is required for the only possible result in this case,
defendant has cited it. See Johns v. Northland Grp., Inc., 76 F. Supp. 3d 590, 592, 599 (E.D. Pa.
2014); Stricklin v. First Nat’l Collection Bureau, Inc., No. 10 Civ.1027, 2012 WL 1076679, at
*6-7 (S.D. Ill. Mar. 30, 2012). These cases are reasonably similar on the facts (which is
somewhat surprising, as it means that similar claims have been brought before), whereas the
cases plaintiff cites merely stand for broad propositions having no application to the facts here.
Defendant’s motion for summary judgment is granted, and plaintiff’s motion for
summary judgment is denied. The Clerk is directed to enter judgment in favor of defendant,
dismissing the case.
SO ORDERED.
Digitally signed by Brian
M. Cogan
______________________________________
U.S.D.J.
Dated: Brooklyn, New York
August 17, 2016
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