Carroll v. Roanoke Valley Credit Union ("RVCCU")

Filing 30

MEMORANDUM OPINION. Signed by Chief Judge Michael F. Urbanski on 6/11/2018. (ck)

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I TH E UN I ED STATE S D I RI CO U RT N T ST CT FO R TH E W E STERN D I M CT O F W RG I I ST N A RO AN O K E D I SION W CL ERKS OFFI U. . SX COURT CE S DI AT EOANOKE, R VA FI LED J 1I2 1 UN 28 J W UL Y; U I CARROLL TH DU , ERK CL ERK Cas N o.7:7c e 1 v00469 Pl ntf y ai i f By: M i chaelF.U r bqnsd l Chi f nie St t sDiti tJ e U t d a e src udge R OAN O I VALLEY CO M M U N I G TY CRE D I U N I N , T O D ef endant . M E M O RAN D U M O PI I N N O Plidf Ket Cm olwfo i pema e tybl brng t sa do pu s ntt t an f ih l, l s r n n l i nd, i s hi c n rua o he Ameia wihDia l sAc of1 9 ( zcns t sbiée t 9 0 ADA) 4 U.. j1 81r sq, l gn h i i , 2 SC. 21 . e sal ig e s t e de e flu ea e j me o d fnd n Ro nok ValyCo nid ul s nd noy nt f ee a t a e l e mmunt CrdiUnin' iy e t o s we iei vi a o fdea lw. rolse sp ei naya pema e ti u év rle, bst n oléon f e rla Car l e k rl r nd r n n njnc e eif mi asw elasli c t a a ne 'f es RV CCU m ovest dinls Ca r lscom pli , l ls os s nd tor ys e . o s is r ol' ant a g ng awebst i notaplce ofpublc a om m oda r ui ie s a i cc don unde t A DA a i any e , r he nd,n vent Laz llc sa ngt bzng t sc m . Na rol a ks tndi o i hi bi The dona Asoca ofFe r ly-ns e l s idon de al l ur d Cr tUri ,asa i usc i e fld abr e i s edi lons nnc ura , te i f n upportofRV CCU ' m oton t dir j . S i o snis Be a eCar l h snotalg d a i j yi f c s f intt c e sa l g t c us rol a l e n nur-n-a t u kce o onfr t ncn , he e i c u t lGRANT d fnd n ' mo i a dsnistlsc d f lc ofs jc mat r o z wil e e a ts ton nd it s li a e oz a k ub e t te ' J idi i uts cton. 1 . Ca r l sape m a nty blnd r sdentofVig ri who us as r e z ade t a ce s r oli r ne l i e i r iza es c e n e r o c s t i er ta r a w e ie c ent RVCCU i a f z lc e tuhi wih isprncpa he nt ne nd e d bst ont . s ede a r di on t t i i l pl c ofbusne si Roanoke Vigi a. CCU ownsand ope a esc edi uni l a ae i s n , r ni RV z t r t on oc donsi n Vigi a whi cons t pl esofpublc a om m oda t ni , ch ém e ac i cc don.RVCCU a s ope a esapublc lo r t i . we ie, bst wwm rv u. g,wl h pr desi or i a .l cc'or ùc ovi nf maton boutlvccu' srvce a l dons s e i s nd oca . Ca r la l st w e ie a es i y ba re spr ve hi fom fe l na gaéng r ol lege hat bst cc sblt ti r e nt m r r ey vi w wm r c ot des t hi z entate pt . s ac s ba re si l buta e notlm ie vc u. g, pie s ec t m s The e ce s r ir ncude, t i td t o: () Li e i ge risn atr d tx wlih prsnt a 1 nk d ma nsig lena ve e t lc e e s pr e be us a i a wihouta tr tve t xtr uls i a obl m ca e n m ge t le na i e es t n n e pt lnk....The lck ofAle natve Te on t e g a c m yi a tz i xt hes z phis pz vent s r en r a r fom a ut t l vocaii a des rpton e s c e e de s r cc a ey lzng ci i o t g a is . .;()Re nd n Likswheea ae tl s f he rphc . . 2 du a t n r djc n i nk go t t s e URT, a e s wbi h r uls i addii l o he am ddt s c es t n tona na gai a r pe ii f ke boa d and s r n r a rus r ; vi ton nd e tton or y r c ee e de e s a () Empt o nisng fr lbes whih p ee e a nd 3 y r lsi o m a l c t sntd pt e be us i a f n c r does not ha a pt zy oblm ca e f om ont ol ve ope l a s i t d t xt l be, t f éon ot pt s oc a e e a l he ' unc upos of t t f m e ha ot c r m ay not be pr e e t s r en r adet uj r . For ont ol es nt d o c e e es m l bespr devii ede c i a l ovi sbl s rpdonsand lr rcika et r t f a ge lc bl a ge s ot f ' contol . ot m r s Co l, mp .ECF No.1 a ! 1 . rolcnmst a RVCCU ha fi dt rm o et s a c s , t 3 Caz l li h t s al o e v he e c e s e bare sa , sar s l, sdele hm f lus a e a e j y ntofiswe ie rit nd a e ut ha rid i ul e nd qu l n o me t bst . RVCCU m ovest dim i sCa r lscom pl i ,a gui we iesa enotpl e of o s s z ol' ant t ng bst r ac s pu i a c mmoda n pu s ntt 42U. C. 1 8 a t tCar llc sa i t bl c o c éo tua o S. j 21 1/) nd ha rol a ks tndng o brng t scom . i hi li 2 I I. W he he apli ifhassa ng t brng a c us ofac i f sgene al as oc a e t t antf t ndi o i a e ton f i r ly s i t d wihCiiPr c d eRue1 $()petii t s etmatrj idc n. 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' nt 1 1. 1 St nci de er i st powe oft cour t e e t i t sc e a a s h, st a tng t m ne he r he t o ntr an hi as nd, s uc i he t es d i 'yi t sa l i. r l I Ioft Unhe St t Cons iuéon lm ist ht hol nqut n hi nayss A dc e l r he d a es tt i t he j idci oftefd rlc urst atzl a e o c nto ris a flja i t s i a uts iton h e ea o t o caa c ss z o tvese, nd f tndng o ue s s docti r e i t tadi rne oot d n he t dona unde sa ng ofa c e ozcontove s ' S oke l v. l i tndi as r t y.' o nc. 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Thepat ivokn fdea j idc onb ast bure ofetbihigheha ry n ig e zluts ié e z he d n sa ls n s sa i a mu tTalg fcsd mo taigt thei ap o zpat t ivo j iil tndng nd s f i e a t e nsrtn ha s i pe ry o n ke udca çe zs l noft ds ut.' / ,nc v. t o Dals 4 3U.. 5 23 (9 0 eoudo he ip e' FW PBS I . Ciy f l , 9 S 21 , 1 1 9 ) ' a (uot W at 4 2U.. 0 .fi et e a eno me epla i r q r me sbu r t ra q i ng rh, 2 S 49 ) f nc h y r t z e dng e uie nt t ahe n s i s ns bl pa toft pbi fsc s ,ea ee entm us be s ndipe a e r he ndf' a e ch lm t uppor ed i t s m ew a a t n he a y s any ot rm a t ton wli t pli ifbea st bur n ofpr ,ie.wih t m a rand he te zch he antf r he de oof . , t he nne de e ofe de e r r d a t s ce sves a soft ltga gr e vi nc equie t he uc s i t ge he ii éon.'Lu'n,5 U . at561. ' a 04 S. Ca r lc nnotm e thi but n ofesa il Ari e1 1 sa ng,be us he ha t ol a e s de tblsùng tcl l t hdi ca e s fi dt algea i r n-atRVCCU i ace iu o wihme rhpl tdt al o l n t ri fc. e e ju s rdt nin t mbes i i e o . mi i vi l who lve wor go t s hool orw ot li i Roanoke Ciy Roa ndi duas i , k, o c , slp n t , noke Count y, Vi on,Salm orBot our,a welasi m e a er ltvesorhous hol m e be sofa nt e et t s l m di t ea i e d m r n e ié RVCCU me r S e1 U.. j1 5 9 3 (ningme rli o c xs ng mbe. e 2 SC. 7 9 $() l ld i mbesl f ommult p riy c edi uni t pe s oroz niaéonswihi awelde i d l a c m uriy r t ons o z ons ga z t n l- fne oc l om zt , neg r od o r r ldsrc) Ac or n t t cv l o e s e tfld i t sc s , roli ihbo ho , r u a itit. c dig o he ii c v r h e t n hi a e Car l s e ar sde ofFar a Count ,Vigilalwlih i m or t n 200 m iesfom t Roa e i nt if x y z ti, tc s e ha l r he noke Valy.Ca r ldoe notalge t the ha a c le r ol s le ha s ny onne céon whatoe r t t Roa s ve o he nokear or ea a e s RV CCU m e be ,ort thew oul ot r s be e il t utlmeRV CCU' n xidng m z ha d he wi e ntted o i i S 1Se Ci lCov rShee ECF N o.1e vi e t 1. 5 s r i es Ra he ,he cnm st thehasa tm pt t us wwm r c or i t e m ont but e vc . t r li ha te ed o e vc u. g n ec nt hs ha be n de e r fom a esi t webst a vii RV CCU' physc ll adonst t s e t r ed r cc sng he ie nd séng S i a oc ha hem a ha l a ed t ough t we ie.H e f t rcnm st the T d i pe nty y ve oc t hz he bst ' he li ha uz f coul nde nde l a prva eyi s t RVCCU' s r i s ptvie ,adva a ,a a om m oda i a nd i t l nve dga e S e vce , i lges nt ges nd cc tons nd a e tes a fnd t l a m nii , nd i he oc éonst vii vi RV CCU' we ie a sght i lvi l c n a o st a S bst s i ed nci dua s a nd do'i t we ieweea c sil t hm. mp.ECF No.1 a ! ( 4 1 .Caz ldo sn , f he bst r c e sb e o i Co l ' , , t ! 1 - 5 rol e ot ale t the a t ly us sorplnst us RVCCU ' s rvce . l ge ha c ua l e a o e S e i s And i i i plusbl t the t s m a i e ha woul ta m or t n 200 m iest vii aRVCCU physc ll don w hen heha ne r d r vel e ha l o st i a oca s ve done s bef e ha no i m e a eplnst do s a f lsout i RVCCU ' lm ie o ot , s m dit a o o, nd al sde S i td m embet hi fed. s p il Thi c e i unlke D a esv. c de L. , n whih t Fotr h Cic thed D a es s as s i nil Ar a , P.i c he lt r ui l ni l' alg ton ofi l n-a t r s f e t wihsa amoto t dsns. lesalge l ai s t pi fc wee ufkint o t tnd e ju in o iris Da l l d e t tdef nda vi a e t A m ç i a wih D ia lt Actby f ii t pr de a ha e nt olt d he rc ns t s biiy nlng o ovi dequat e ac s f whe l hatbound i vi l att Lexi on M a ke i Ba tm or M a y a ce s or e c indi dua s he ngt r t n li e, r l nd. The cour obs w e t tD a esTl ne rt M a ke ,ha viied t M at bef e t t e d ha i l 'i ves a he z t d st he ket or he flng oft a e d c pl i ,and i f ctTe l l viis t ' a ke .'477 F. ti he m nde om ant n a r guary st ' he M r t' App' 1 , x 25 1 (t Ci. r 2 20 2 . Fozf Cic ta r e wih t dititc ur t a Da es 29 4 h r Ap . 4, 1 ) The t . rui g e d t he src o t h t nil rh wasr qtied t a l t tt r w a Ta rea and i m e a e t ea 't he wilbewr e zr o lege ha he e s < r l m dit hr t.hat l onge d a an, be a ehes g pr pe t ede ltd a i u év z l fr t e t n moneay g i ' c us ou ht os ci caa ve nd njnc e ei al r ha ' v e a tr da g sf rac r t pa th r L a(uo i B a v. ne , 2 F.d 5 , 2 (t Ci. ma e o once e s a m. d q tng nt Che 9 4 2 25 5 9 4 h r 1 9 ). we r i dia t e wih t ec src c ur' fncngt a Da il ha n me t s 9 1) Ho ve ,t sg e d t h l tit o t l h t n es d ot t hi . i s i r t e . equiem nt TheFourh Cic ta e e ast' pli fsalgaéonst thei ende t t z ui cc pt d t ue anéf' le ha nt d o c i viii t M az i t f u e f li s ontnue stng he ket n he ut r or ls hoppi nee ,s c hc ly notng i ng ds pe i al i t f e mgd t alg ton p a il be a eDa esz sd si r lé l cos p o miyt t e < e e ) he l ai lusb e c us nil ei e n ea vey l e r xi t o h d e M a ke ;I a 1 A c di l t Fotrh Cic thed t D a eshad e t bls d r t' d. t 30. cor ngy, he lt t ui l hat ni l s a ihe sandi t s . t ng o ue Fi ye r l t t t Fout h Cic tz fim e t hollng i D a e sby publs d ve a s a e , he t t ui ea fr d he ci n nil ihe o nin. n v. r e Make lc I .8 8F.d 4 7 (t Ci. 0 7 . nn i le pi o Na ni Abe de n r a e ncj 7 3 4 4 h r 2 1 ) Na i t v d wo awheec ilharbound z i ntofD e a a ew ho br esde lw r oughts tpur uantt t ADA ,cni i ui s o he l m ng he e ountr unlw f ba re st ac es a t Abe de M a ke plcei M a ya I nc e ed a ' r ir o c s t he ul r en r t a n r lnd. n N anni t pl i fal ge t ts ve a tm esa ye r he ta l on 1 95 fom hi hom ei , he anéf le d ha e r l i a , r ves - r s n D elw a e t Batm oz a W a hi on,D . ,whe e heatendss tng e s viis a r o li e nd s np C. z t pori vent , st r ltvesa pa tci t i e sf t dia e D urng t s ta l,he ofe sopsa ea i nd ri paes n vent or he s bld. i he e r ve s tn t t Abe de M a kem l el a e ne re t85 on 1 95. a al ge t heha m a t ss6p r en r ac oc t d a xi - N nni le d hat d de hi t atl as t eeor f Hm esbet n 201 a 2015 a i e d t m ake a tona viist e t hr our wee 3 nd nd nt nde o ddii l st o t Make a e 10t o hi ft ej r e ssut a a a < he r mlc,7 h n s uut ou n y o h nd s n T ADA tse. l a 4 9 e tr' d. t 4 . ' I rvesngt opnonofteditita hndn Na ni dalg da i uyi-a t n e ri he ii h src nd ig n ha l e n njr-n fc e s fcentt esa ih sanci t s t Fourh Cic tr afi- e ishollng i D a e s uf i o t bls t lng o ue, he t r ui e ft d.t m ci n nil. S e iial,th l t t< patnjr i s fce type de frpupossofa ADA c/m p cfcl i ed ha < s i u y s ufiinl la d o r e n y a li whe ea dia e i vi l ho r quiesawheec i f m obiiyalge t heha r s bld ndi dua w e z lhat or lt le s hat s pe s ly e ount r d nonc pla a clt t alba re sa des rbeshow t eba re s r onal nc ee om int r liec ur ti z nd c i hos r ir c usdbi ham. 8 8F.da 4 5. t t ftr i u yrq tme ,h Na ic ur a e m t ' 7 3 t 5 As o he ' ae njr e uie ntte nn o t ' u adopt t prnc pl s tf t i D a es f ha w hen a AD A pl ntf hasalge a pas ed he i i e e ozh n nil r t t n ai if le d t i u ya apa éc lrl a on, i plusbl ile nst t e e fe rt n t t tl c do a e njr t r ua oc é h s a i e t néo o h ra tr eur o ha o a n r t 7 s fkintt de nstt t el ei d off a eiju p' a a id i t Na isc s .8 u f e o mo tae h i l k hoo ut r t r ' nd ppl t o nn ' a e 78 e F. 455- TheFourh Cic thed i N a t tpli fsc pli s hc e l al ge 3d 56. t t ui l n nni ha anéf' om ant uf i nty le d t th s fr dpa tnj re o h sv st t t eM ake a ea as c nti d plu il ha e ufe e s i l is n i iis o h r mlc nd lo o lne a sb e l a l tonsrt tN a wilz t n t t M a ke plcet r ta t ke ba ht lega i fha nni l e ur o he r t a o es nd a t oom br a e ks , durng li ti s ve a tm esay tfom li hom ei D ea r t Batm or a i ts tps e z l i ea t 's t n lwa e o li e nd W a hi on,D. 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'l L LAei Da il a Na niCar lse sp os ci i u év rle a i rq ie ' n nes nd n , rol e k t pe t njnc e eif nd s e urd ve t algel ei ood o f tuei r . un i i Da esa Na niCa r l sfie t ol il e k h f u t t y But l n nil nd n , rolha ald o ju ke a lgeplusbl i entonst uélzeRV CCU' s r esorus iswe iet l at t le a i e nt i o i S e dc e t bst o oc e he physc ll tonsoft ct tuni whih a em or t n 200 m iesa a f om whe e i a oca i he edi on, c r e ha l w yr r Ca r lr sdes W hie t Fouth Cic ti N anride lned t tcr w a a bi t lne of r ol e i . l he t r ui n l ci o fla n r ea y i g o rpbclp o mif'orpu po e ofd trniiga ADA' sa l gt s ,tsae e g a ia r xi t f z s s eer nn n S tncn o ue i ttd i pr xmiyc l beaf co rlv ntt t ep a ii t off a ei j no g Thefc sof o i t oud a t r ee a o h lusb ly ut t t r dn f a t i jur , t e ch c s c z t plusbiiy a l i. 878 F. at456- Ca r lsal ga bnsa e a a e ontol he a i lt nayss7 : 3d 57. r ol' le t r i plusbl unde t s ik s toff caa cr um sa espz s nt d he e m a ie t he pecf e a tzl ic t nc ee e r. 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