Hennessey v. Americredit Financial Services Inc et al

Filing 44

ORDER OF DISMISSAL. Defendants' motion to dismiss (Dkt. 8 ) IS GRANTED as to the claims against both Americredit and Hoblit, and this case IS DISMISSED WITH PREJUDICE and WITHOUT LEAVE TO AMEND. The Clerk is directed to send uncertified copies of this Order to all counsel of record and to any party appearing pro se at said party's last known address. Signed by Judge Robert J. Bryan.(CJS)(cc: Plaintiff via NEF email)

1
2
3
4
5
6
7
UNITED STATES DISTRICT COURT
WESTERN DISTRICT OF WASHINGTON
AT TACOMA

8
9
10
11
12
13
14
15

JANICE HENNESSEY,
Plaintiff,
v.

CASE NO. 3:24-cv-5145-DGE-RJB
ORDER OF DISMISSAL

AMERICREDIT FINANCIAL SERVICES
INC., doing business as GM Financial,
HOBLIT AUTOMOTIVE INC, doing
business as Hoblit Chevrolet GMC as
Hoblit Buick GMC,

16

Defendants.

17
18
19

This matter comes before the Court on the Motions of Defendants to Dismiss for Failure
to State a Claim. Dkts. 8 and 43.

20

The pro se, Plaintiff, Janice Hennessey, is entitled to have her pleadings “liberally

21

construed,” but she is “subject to the same procedural requirements as other litigants.” Munoz v.

22

United States, 28 F.4th 973, 978 (9th Cir. 2022). The Court has considered all filings in this case

23

in spite of the fact that some pleadings were not properly submitted. For example, Dkts. 24 and

24

25 were sur-replies not offered in accord with Western Dist. of Washington Local Rule 7(g), but

ORDER OF DISMISSAL - 1

1

were considered by the Court, and were liberally construed due to Plaintiff’s pro se status. The

2

Court has considered Defendants’ Motion, all documents filed in support and in opposition, and

3

the file herein. For the reasons stated below, Defendant Americredit Financial Services, Inc.’s,

4

doing business as GM Financial, (“Americredit”) Motion to Dismiss (Dkt. 8) and joined in by

5

Defendant Hoblit Automotive, Inc., doing business as Hoblit Chevrolet GMC and Hoblit

6

Chevrolet Buick GMC (“Hoblit”), should be granted. (On June 5, 2024, Hoblit’s motion to join

7

in AmeriCredit’s motion to dismiss (Dkt. 16) was granted. Dkt. 43.)

8

The Defendants’ motion to dismiss is brought under Fed. R. Civ. P. 12(b)(6). Under this

9

rule, a case may be dismissed if the complaint fails “to state a claim upon which relief can be

10

granted.” Further, the federal rules provide that a complaint must contain “a short and plain

11

statement of the claim showing that the pleader is entitled to relief.” Fed. R. Civ. P. 8(a)(2).

12

Plaintiff fails to allege any reasonable theory showing a claim against Defendants.

13

Plaintiff alleges a breach of contract (Dkt. 1 at 4) but has not specified what Defendants

14

did or failed to do that would amount to a breach of contract. Alleging a breach without facts

15

justifying a claim is not sufficient. See C 1031 Properties, Inc. v. First Am. Title Ins. Co., 175

16

Wn. App. 27, 33–34 (2013)(cleaned up)(holding that “[a] breach of contract is actionable only if

17

the contract imposes a duty, the duty is breached, and the breach proximately causes damage to

18

the claimant”).

19

Plaintiff alleges, under her “Second Cause of Action,” violations of Washington State’s

20

Consumer Protection Act, RCW 19.86, et. seq., (“CPA”) (Dkt. 1 at 4) but alleges no wrongdoing

21

by either Defendant that could plausibly constitute an unfair or deceptive act or practice. See

22

Hangman Ridge Training Stables, Inc. v. Safeco Title Ins. Co., 105 Wash.2d 778, 780

23

(1986)(holding that to state a violation of the CPA, a Plaintiff must show five elements: “(1)

24

ORDER OF DISMISSAL - 2

1

unfair or deceptive act or practice; (2) occurring in trade or commerce; (3) public interest impact;

2

(4) injury to plaintiff in his or her business or property; (5) causation.”)

3

Plaintiff alleges violations of the Truth In Lending Act, 15 U.S.C. § 1605(a), et. seq.,

4

(“TILA”) (Dkt. 1 at 5-6) but such claims are here barred by the one-year statute of limitation, 15

5

U.S.C. § 1650(e), and Plaintiff fails to allege specific violations of that Act.

6

Plaintiff alleges violations of the Fair Debt Collection Practices Act, 15 U.S.C. §

7

1692a(6) (“FDCPA”) (Dkt. 1 at 6), but neither Defendant is a “debt collector” under the Act, but

8

rather are “creditors.” The FDCPA only applies to “debt collectors,” 15 U.S.C. § 1692a(6), and

9

not “creditors.” Henson v. Santander Consumer USA, Inc., 582 U.S. 79, 87-88 (2017)(holding

10
11

debt collectors under the Act are only those who “collect debts owed another”).
Plaintiff has requested a preliminary injunction. Plaintiffs seeking a preliminary

12

injunction must establish one of two tests. All. for the Wild Rockies v. Pena, 865 F.3d 1211,

13

1217 (9th Cir. 2017). The first test requires plaintiffs to show: (1) that they are “likely to

14

succeed on the merits,” (2) that they are “likely to suffer irreparable harm in the absence of

15

preliminary relief,” (3) “the balance of equities tips in [their] favor,” and (4) “an injunction is in

16

the public interest.” Coffman v. Queen of Valley Med. Ctr., 895 F.3d 717, 725 (9th Cir.

17

2018)(citing Winter v. Nat. Res. Def. Council, Inc., 555 U.S. 7 (2008) (internal quotation marks

18

omitted)). Under the second variant of the 9th Circuit’s test for a preliminary injunction, the

19

“sliding scale” version of the Winter standard provides that “if a plaintiff can only show that

20

there are serious questions going to the merits—a lesser showing than likelihood of success on

21

the merits—then a preliminary injunction may still issue if the balance of hardships tips sharply

22

in the plaintiff’s favor, and the other two Winter factors are satisfied.” All. for the Wild Rockies,

23
24

ORDER OF DISMISSAL - 3

1

at 1217 (internal quotation marks and citations omitted). Plaintiff fails to make a showing on

2

any of the required elements for either test.

3

The Court is aware that the foregoing is a “bare bones” outline of Plaintiffs’ pleading

4

failures. It is brief because of the following: Plaintiff’s claims rely on theories that have been

5

rejected uniformly by courts across the country. Plaintiff’s claim is a debt avoidance scheme. To

6

quote Defendants’ argument:

7
8
9
10

A current trend observed in courts across the country is the filing of baseless
lawsuits by pro se parties against their creditors in an effort to avoid lawfully
incurred debt. This scheme involves a party entering into a valid contract,
receiving possession and use of the property under the contract, then later
asserting that the underlying contract was somehow void or unenforceable and
thus, the party should be entitled to both keep the collateral and receive monetary
payment.

11

Dkt. 8 at 7 (citing Gordon v. Wells Fargo Bank NA Inc., No. 5:22-cv-458 (MTT), 2023 WL

12

5487665, at *1 (M.D. Ga. Aug. 24, 2023); Wiggins v. Capital One Auto Fin., No. 22-4172 (RK)

13

(DEA), 2023 WL 4348730, at *1–2 (D.N.J. July 5, 2023); Ishmael v. GM Financial Inc., No.

14

2:22-cv-1095-JDW, 2022 WL 2073821, at *1 (E.D. Pa. June 9, 2022); Laboo v. Citizens

15

One/Citizens Bank, No. 1:21- CV-667-SDG-WEJ, 2021 WL 4866999 (N.D. Ga. Mar. 10, 2021)).

16

As is reflected in Plaintiff’s prayer at the conclusion of her claims (Dkt. 1 at 7), this is a scheme

17

to secure her vehicle free and clear of any liens, but without paying the full balance on her

18

contract, and adding in baseless claims on additional grounds. Her pleadings are without legal

19

basis, are unintelligible and could be classified as “hokum” or “gobble-de-goop.”

20

Courts must give pro se litigants notice of deficiencies in their complaint and an

21

opportunity to amend unless it is “absolutely clear that the deficiencies of the complaint cannot

22

be cured by amendment.” Weilburg v. Shapiro, 488 F.3d 1202, 1205 (9th Cir. 2007) It is

23

absolutely clear that any attempts to amend the complaint in this case would be futile.

24

ORDER OF DISMISSAL - 4

1

For the foregoing reasons, Defendants’ motion to dismiss (Dkt. 8) IS GRANTED as to

2

the claims against both Americredit and Hoblit, and this case IS DISMISSED WITH

3

PREJUDICE and WITHOUT LEAVE TO AMEND.

4
5
6

The Clerk is directed to send uncertified copies of this Order to all counsel of record and
to any party appearing pro se at said party’s last known address.
Dated this 5th day of June, 2024.

7

A

8
9

ROBERT J. BRYAN
United States District Judge

10
11
12
13
14
15
16
17
18
19
20
21
22
23
24

ORDER OF DISMISSAL - 5