MCBRIDE v. ALLY FINANCIAL, INC.

Filing 82

ORDER. Defendant's Motion for Summary Judgment (see Doc. 69 ) is GRANTED regarding its Counterclaim, and JUDGMENT IS ENTERED, IN FAVOR OF DEFENDANT AND AGAINST PLAINTIFF, as to liability, with the final damage-amount to be determined at trial; Defendant's summary-judgment request regarding the TCPA is (see Doc. 69 ) is DENIED; and Defendants' Motions (Docs. 73 & 76 ) regarding supplementation are GRANTED, although this does not change the substance of the Court's other determinations. Signed by Judge Cathy Bissoon on 9/5/17. (dcd)

IN THE UNITED STATES DISTRICT COURT
FOR THE WESTERN DISTRICT OF PENNSYLVANIA

JOHN MCBRIDE,
Plaintiff,
v.
ALLY FINANCIAL, INC.,
Defendant.

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Civil Action No. 15-867
Judge Cathy Bissoon

ORDER
Defendant’s Motion for Summary Judgment (Doc. 69) will be granted in part and denied
in part. Specifically, the Motion will be granted regarding Defendant’s Counterclaim,
and summary judgment will be entered, in favor of Defendant and against Plaintiff,
as to liability, with the amount of damages to be determined at trial. Defendant’s Motion for
Summary Judgment will be denied as to Plaintiff’s TCPA claims. Finally, Defendant’s Motions
regarding supplementation of the record (Docs. 73 & 76) will be granted, although this does not
change the substance of the Court’s other determinations.
Defendant’s Counterclaim seeks to recover the value of the vehicle that Plaintiff ceased
making payments on, and then “totaled.” Plaintiff does not dispute liability, but quibbles with
Defendant’s proofs as to damages. See Pl.’s Opp’n (Doc. 71) at 9. Defendant’s opening-brief
and evidence did not meaningfully address the precise amount owed by Plaintiff (although it
seems inevitable that the final tally will be slightly-in-excess of $20,000), and the Court does not
believe it properly can reach a final determination based on Defendant’s submissions in reply.
Accordingly, summary judgment will be entered as to liability, and the final amount of the
Counterclaim judgment will be determined at trial.

As to Plaintiff’s TCPA claim, the Court agrees with his counsel that disputed issues of
material fact remain regarding the revocation of consent. Defendant initially sought summary
judgment under the “no reasonable juror” standard, and although the constellation of largely
undisputed facts-presented comes awfully close,1 it falls just short. Plaintiff has testified that he
verbally-revoked consent in September 2014, and, although Defendant says this is inconsistent
with its records, a credibility determination is required to know which side to credit (i.e.,
Plaintiff’s sworn statements versus the completeness and accuracy of Defendant’s records).
Cf., e.g., Reyes v. Lincoln Auto. Fin. Servs., 861 F.3d 51, 55 (2d Cir. June 22, 2017) (reversing
district court’s grant of summary judgment regarding revocation-of-consent, finding that court
engaged in impermissible credibility determinations). Furthermore, it appears undisputed that
Defendant continued to contact Plaintiff after his counsel sent a cease-and-desist letter in
April 2015. See Pl.’s Opp’n (Doc. 71) at 7-8. Although Defendant retorts that Plaintiff’s
counsel sent the letter to the wrong address (i.e., the Ally-corporate family’s “General Bank
Correspondence” address, as opposed to the account-inquiry address), the Court cannot imagine
how this discrepancy properly may be read in Defendant’s favor as relates to summary judgment.
Cf. Reyes at 55 (rejecting district court’s reliance on the fact that the plaintiff could “not recall
the address” to which he purportedly mailed a revocation-letter).2

See Def.’s Br. (Doc. 70) at 9 (citing record evidence indicating that Plaintiff was in regular
communication with Defendant regarding his vehicle-loan; as a result, Defendant assisted him
with terms of repayment and gave him 58 payment-extensions; and in June 2015, Plaintiff
specifically instructed Defendant to contact him on the cellular-telephone number in question).
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Accepting Defendant’s “wrong address” argument would appear to invite line-drawing
difficulties, e.g., what if a corporate-defendant demonstrated that the plaintiff’s attempted verbalwithdrawal of consent was uttered to a corporate-representative obviously lacking the authority
or knowhow to remove the person’s telephone-number from the company’s system? While the
aptness of this analogy may be debated, it emphasizes the difficulties associated with attempting
to resolve such matters, as a matter of law, on summary judgment.
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Under the circumstances, the Court is constrained to deny Defendant’s request for
summary judgment regarding the TCPA. Any impressions regarding the believability of the
evidence notwithstanding, the Court cannot usurp the role of the jury.3
Finally, the Court declines to apply the Court of Appeals for the Second Circuit’s holding
in Reyes, under the circumstances presented. To be sure, the Court is less-than-enamored with
Plaintiff counsels’ technicality-tinged objections to Defendant’s requests to supplement the
record to reflect the (post-briefing) issuance of Reyes. While it may be true that Defense counsel
could have advanced the same arguments in its absence, the issuance of a precedential Court of
Appeals decision certainly changes the larger legal-landscape.
Nevertheless, the Court is not entirely persuaded by Defendant’s (and the Reyes’s
Court’s) efforts to distinguish the binding, Third Circuit precedent in Gager v. Dell Financial
Services. Id., 727 F.3d 265 (3d Cir. 2013). Gager is one of the strongest statements, in terms of
interpreting revocation-of-consent consistently with the remedial purposes of the TCPA; and the
Court cannot lightly cast-aside language in Gager supporting a contrary conclusion. Compare
Reyes at 56-59 (finding that consent-to-be-called was an “essential,” “bargained-for [term of]
consideration in a bilateral contract” that could not be unilaterally revoked) with Gager at 273-74
(holding that a debatably-similar consent provision “plainly [was] not an essential term,”

Given the seeming weaknesses of Plaintiff’s positions, not to mention his substantial
counterclaim-liability, one may question his decision to proceed to a jury-trial. While the
annoyance of unwanted telephone calls is a part of the modern human condition, certainly
not-everyone would endorse the prospect of using the TCPA as a “sword,” rather than a “shield,”
to leverage one’s collections-position regarding monies admittedly owed. Perhaps this is why,
on the eve of his deadline for opposing summary judgment, Plaintiff’s counsel contacted
Chambers asking for another round of court-facilitated settlement negotiations. The entreaty was
rejected, given that Defendant did not join it, and because the Court (and Defendant) not-longbefore had expended substantial good-faith efforts to settle the case. Whether, and the extent to
which, a desire for attorney fees (and, perhaps, face-saving) has been weighed against the best
interests of the Plaintiff, the litigants remain where the aforementioned decisions leave them.
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and that, “[m]ore importantly, [the company’s] argument that its contractual relationship with
[the customer] somehow waive[d] her rights under the TCPA is incorrect”) (emphasis added);
see also, e.g., Wright v. Target Corp., 2015 WL 8751582, *7 (D. Minn. Dec. 14, 2015) (rejecting
“bilateral-contract” argument, later endorsed in Reyes, in reliance on Gager).4
For the reasons above, it hereby is ORDERED that: Defendant’s Motion for Summary
Judgment (see Doc. 69) is GRANTED regarding its Counterclaim, and JUDGMENT
IS ENTERED, IN FAVOR OF DEFENDANT AND AGAINST PLAINTIFF, as to liability,
with the final damage-amount to be determined at trial; Defendant’s summary-judgment request
regarding the TCPA is (see Doc. 69) is DENIED; and Defendants’ Motions (Docs. 73 & 76)
regarding supplementation are GRANTED.
IT IS SO ORDERED.

September 5, 2017

s\Cathy Bissoon
Cathy Bissoon
United States District Judge

cc (via ECF email notification):
All Counsel of Record

Admittedly, the detailed common-law and statutory interpretations in Reyes are not without
logical appeal, and they appear at least somewhat persuasive. Honestly, it is difficult to predict
whether the Court of Appeals for the Third Circuit would, or would not, find Reyes convincing
(including the Second Circuit Court’s purported harmonizing of its case with Gager). All the
undersigned can say at this juncture is, Reyes reflects a potential sea-change in the area of
TCPA-litigation, and the Court will not adopt it, through supplemental filings and at this late
stage in the case, absent clearer indications in the law of this Circuit.
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