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Marlin v. Chase Cardmember Services

July 10, 2009


The opinion of the court was delivered by: Anthony W. Ishii Chief United States District Judge


Plaintiff Raymond Marlin ("Marlin") has brought this suit against Defendant Chase Bank USA, N.A., erroneously named as Chase Cardmember Services, ("Chase") for alleged violations of 15 U.S.C. §§ 1692(c),(k), i.e. the Fair Debt Collection Practices Act ("FDCPA"). Chase moves for judgment on the pleadings under Rule 12(c). For the reasons that follow, the motion will be granted.


As alleged in the complaint, Marlin is a 71-year old resident of Visalia, California, and his residence and principal place of business are one and the same. On August 2008, Marlin made the decision to discontinue servicing the debt that he had incurred with Chase. At that time, Marlin's debt to Chase was approximately $33,000. Marlin decided to stop servicing this debt due to a personal financial crunch and various fees that Chase charged. Marlin engaged a financial consulting company to mediate between himself and Chase. Marlin also executed a power of attorney to the consulting firm. The consulting firm sent a series of cease and desist letters to Chase in August, September, November, and December 2008. Chase ignored the letters and attempted to collect on the debt through a series of harassing telephone calls (from August 2008 through January 2009) to Marlin. Marlin informed Chase that Chase was calling Marlin's place of business, which also happened to be his residence. Instead of dealing with the consulting firm and honoring the power of attorney and cease and desist letters, Chase made harassing telephone calls to Marlin.

Marlin filed this lawsuit and contends that the series of harassing telephone calls violated the FDCPA, which caused him emotional distress and loss of business. Marlin specifically contends that Chase has violated 15 U.S.C. § 1692c. Marlin requests $5,500 for emotional distress and $3,400 for the violations of § 1692c. Chase now moves for judgment on the pleadings.


Under Federal Rule of Civil Procedure 12(c), "After the pleadings are closed but within such time as not to delay the trial, any party may move for judgment on the pleadings." Fed. R. Civ. Pro. 12(c). Because the motions are functionally identical, the same standard of review applicable to a Rule 12(b)(6) motion applies to a Rule 12(c) motion. Dworkin v. Hustler Magazine, Inc., 867 F.2d 1188, 1192 (9th Cir. 1989). Judgment on the pleadings is appropriate when, taking all the allegations in the non-moving party's pleadings as true, the moving party is entitled to judgment as a matter of law. Ventress v. Japan Airlines, 486 F.3d 1111, 1114 (9th Cir. 2007); Honey v. Distelrath, 195 F.3d 531, 532 (9th Cir. 1999). The allegations of the nonmoving party must be accepted as true, while any allegations made by the moving party that have been denied or contradicted are assumed to be false. See MacDonald v. Grace Church Seattle, 457 F.3d 1079, 1081 (9th Cir. 2006); Hal Roach Studios v. Richard Feiner & Co., Inc., 896 F.2d 1542, 1550 (9th Cir. 1989). The facts are viewed in the light most favorable to the non-moving party and all reasonable inferences are drawn in favor of that party. See Living Designs, Inc. v. E.I. DuPont de Nemours & Co., 431 F.3d 353, 360 (9th Cir. 2005); Turner v. Cook, 362 F.3d 1219, 1225 (9th Cir. 2004). "However, judgment on the pleadings is improper when the district court goes beyond the pleadings to resolve an issue; such a proceeding must properly be treated as a motion for summary judgment." Hal Roach Studios, 896 F.2d at 1550. Although Rule 12(c) does not mention leave to amend, courts have the discretion in appropriate cases to grant a Rule 12(c) motion with leave to amend, or to simply grant dismissal of the action instead of entry of judgment. See Lonberg v. City of Riverside, 300 F.Supp.2d 942, 945 (C.D. Cal. 2004); Carmen v. San Francisco Unified School Dist., 982 F.Supp. 1396, 1401 (N.D. Cal. 1997).


Defendant's Argument Chase argues that the FDCPA applies to "debt collectors." A creditor who is attempting to collect the debt owed to it is not a "debt collector" under the act. Since the complaint alleges that Chase was trying to collect on a debt that Marlin owed to Chase, Chase is not a "debt collector" and cannot be liable under the FDCPA.*fn1

Plaintiff's Opposition

Marlin argues that repeated calls were made to his business/residence. Marlin states that although the people who called him claimed to represent Chase, those people gave him the impression that they were third parties who had been engaged by Chase to make the calls. Marlin felt this impression because the callers were not aware of the cease and desist letters from his consulting firm and they seemed completely unaware of the particulars of the debt. Given the lack of awareness by the callers of the debt particulars, Chase is attempting to evade the FDCPA by claiming it is a not debt collector.

Legal Standard

The purposes of the FDCPA are "to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses." 15 U.S.C. § 1692(e); Wade v. Regional Credit Ass'n, 87 F.3d 1098, 1099 (9th Cir. 1996). "The FDCPA's provisions generally apply only to 'debt collectors.'" Pollice v. National Tax Funding, L.P., 225 F.3d 379, 403 (3d Cir. 2000) (citing Pettit v. Retrieval Masters Creditors Bureau, Inc., 211 F.3d 1057, 1059 (7th Cir. 2000)). The FDCPA defines "debt collector" in relevant part as "any person who . . . in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another."*fn2 15 U.S.C. § 1692a(6). In other words, the "term 'debt collector' has a particular meaning . . . it refers only to persons attempting to collect debts due 'another.'" MacDermid v. Discover Fin. Servs., 488 F.3d 721, 734 (6th Cir. 2007). Accordingly, creditors who collect on their own debt and in their own name are not "debt collectors" and are not subject to the FDCPA. See MacDermid, 488 F.3d at 734-35; Pollice, 225 F.3d at 403; Maguire v. Citicorp Retail Servs., 147 F.3d 232, 235 (2d Cir. 1998); Aubert v. Am. Gen. Fin., 137 F.3d 976, 978 (7th Cir. 1998); Perry v. Stewart Title Co., 756 F.2d 1197, 1208 (5th Cir. 1985); see also Schmitt ...

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