ROBERT J. TRIFFIN VS. ZURICH AMERICAN INSURANCE COMPANY (DC-004242-16, CAMDEN COUNTY AND STATEWIDE) ( 2019 )

NOT FOR PUBLICATION WITHOUT THE
APPROVAL OF THE APPELLATE DIVISION
This opinion shall not "constitute precedent or be binding upon any court." Although it is posted on the
internet, this opinion is binding only on the parties in the case and its use in other cases is limited. R. 1:36-3.
SUPERIOR COURT OF NEW JERSEY
APPELLATE DIVISION
DOCKET NO. A-3387-17T4
ROBERT J. TRIFFIN,
Plaintiff-Appellant,
v.
ZURICH AMERICAN
INSURANCE COMPANY,
a/k/a ZURICH,
Defendant-Respondent,
and
CRISTIAN JEREZ,
Defendant.
______________________________
Argued March 6, 2019 – Decided March 22, 2019
Before Judges Fuentes and Vernoia.
On appeal from Superior Court of New Jersey, Law
Division, Camden County, Docket No. DC-004242-16.
Robert J. Triffin, appellant, argued the cause pro se.
Walter F. Kawalec, III argued the cause for respondent
(Marshall Dennehey Warner Coleman & Goggin,
attorneys; Walter F. Kawalec, III on the brief).
PER CURIAM
Plaintiff Robert J. Triffin appeals from an order granting summary
judgment to defendant Zurich American Insurance Company (Zurich) and
dismissing his complaint, which sought damages based on an allegedly
dishonored check issued by defendant. We reverse and remand for further
proceedings.
Plaintiff's complaint alleged he is the assignee of the rights to a dishonored
check (No. 1440050929) that was issued by defendant, drawn on defendant 's
account with JPMorgan Chase Bank, NA, and made payable to Cristian Jerez.
He alleged Jerez endorsed the check to Pennsauken Check Cashing, which paid
the full amount of the check to Jerez. Plaintiff further alleged Zurich stopped
payment on the check and it was then dishonored by JPMorgan Chase Bank,
NA, after presentment by Pennsauken Check Cashing. Plaintiff purchased the
dishonored check from Pennsauken Check Cashing, which assigned its rights
under the check to plaintiff. In his complaint, plaintiff sought damages for the
face amount of the check, the assignor's $85 returned check fee, $250 for
A-3387-17T4
2
consolidated credit reporting and access maintenance fees and $1.97 of
prejudgment interest.
Defendant moved for summary judgment. In support of the motion,
defendant submitted an affidavit from a financial analyst in its finance and
treasury department asserting defendant's records showed defendant never
stopped payment on the check and that the check was "presented and paid in
full." Attached to the affidavit is a copy of the front and back of the check,
which the affiant asserted bore Jerez's endorsement and was stamped with a
statement that the check was paid to the order of Republic Bank "for deposit
only" in the account of Pennsauken Check Cashing. The affiant asserted the
check and defendant's records thus established that the check "was not
dishonored by [defendant], and so far as [defendant] can determine the full
amount of the check was paid to Pennsauken Check Cashing in a timely fashion
following the issuance of [the] check."
It appears defendant's motion was also supported by a statement of
material facts as required under Rule 4:46-2(a), because plaintiff submitted a
"REPLY TO [Defendant's] STATEMENT OF MATERIAL FACTS." The
record on appeal, however, does not include defendant's statement of material
facts because neither plaintiff nor defendant included the statement in their
A-3387-17T4
3
appendices. In opposition to defendant's motion, plaintiff submitted the
affidavit of Pennsauken Check Cashing's general manager, who stated that on
July 9, 2015, Pennsauken Check Cashing cashed the check for Jerez. He further
averred that the check was dishonored by JPMorgan Chase, NA, "as a 'Refer To
Maker' item" and was not paid.
The court granted defendant's summary judgment motion. In a written
statement of reasons, the court summarized the parties' arguments and the
conflicting affidavits and determined "the check was presented and paid in full."
The court explained that it "did not find [p]laintiff's documents filed in support
of his claims to be credible for the truth of the matter asserted at argument. "1
Following entry of an order granting defendant's summary judgment motion,
plaintiff appealed.
When reviewing an order granting summary judgment, we apply the same
standard the trial court applies in deciding a summary judgment motion. State
v. Perini Corp., 221 N.J. 412, 425 (2015). Summary judgment is appropriate if
the record demonstrates "no genuine issue as to any material fact challenged and
that the moving party is entitled to a judgment . . . as a matter of law." Burnett
1
The record on appeal does not include a transcript of any argument on the
summary judgment motion.
A-3387-17T4
4
v. Gloucester Cty. Bd. of Chosen Freeholders, 409 N.J. Super. 219, 228 (App.
Div. 2009) (quoting R. 4:46-2(c)). Issues of law are subject to the de novo
standard of review, and the trial court's determination of such issues is accorded
no deference. Kaye v. Rosefielde, 223 N.J. 218, 229 (2015).
On a motion for summary judgment, "[i]t [is] not the court's function to
weigh the evidence and determine the outcome but only to decide if a material
dispute of fact existed." Parks v. Rogers, 176 N.J. 491, 502 (2003) (quoting
Gilhooley v. Cty. of Union, 164 N.J. 533, 545 (2000)). The presence of a
genuine issue of material fact precludes summary judgment. Brill v. Guardian
Life Ins. Co. of Am., 142 N.J. 520, 540 (1995).
Measured against these principles, we are constrained to reverse the
court's summary judgment award. Plaintiff's claims are founded on the assertion
that the check was dishonored. Defendant's summary judgment motion is based
on the claim that it is entitled to summary judgment because, as a matter of
undisputed fact, the check was not dishonored. The affidavits submitted by the
parties, however, present an issue of fact at the center of plaintiff's claims and
defendant's summary judgment motion: was the allegedly dishonored check
actually dishonored?
A-3387-17T4
5
The court resolved that genuine issue of material fact by incorrectly
weighing the evidence. The court rejected the affidavit submitted on plaintiff 's
behalf as not credible and accepted the affidavit supporting defendant's motion
as credible. See In re Estate of DeFrank, 433 N.J. Super. 258, 266 (App. Div.
2013) ("It is ordinarily improper to grant summary judgment when a party's . . .
credibility is in issue."). It was upon this credibility determination that the court
erroneously found there was no genuine issue of material fact as to whether the
check was dishonored. We will not repeat the error on our de novo review, and
reverse the court's summary judgment order.
Our decision is based on the record presented on appeal. The record is
limited. The parties did not supply defendant's statement of material facts, R.
4:46-2(a), and we are therefore without the entire record presented to the motion
court. The record presented, however, shows defendant relies on an argument
it did not assert before the motion court. Defendant contends that even if the
check was dishonored, plaintiff's claims must be dismissed as a matter of law
because neither plaintiff nor the assignor, Pennsauken Check Cashing, are
holders in due course. 2 See N.J.S.A. 12A:3-302; Triffin v. Pomerantz Staffing
2
The affidavit submitted in support of defendant's summary judgment motion,
the affidavit submitted by plaintiff in opposition and the court's written
A-3387-17T4
6
Servs., LLC, 370 N.J. Super. 301, 307-309 (App. Div. 2004). We decline to
address the argument because it was not raised before the motion court and does
not "go to the jurisdiction of the trial court or concern matters of great public
interest." State v. Robinson, 200 N.J. 1, 20 (2009) (quoting Nieder v. Royal
Indem. Ins. Co., 62 N.J. 229, 234 (1973)).
Moreover, although we consider an award of summary judgment de novo,
"our function as an appellate court is to review the decision of the trial court,
not to decide the motion tabula rasa," Estate of Doerfler v. Fed. Ins. Co., 454
N.J. Super. 298, 302 (App. Div. 2018), and we are otherwise not convinced the
record presented on appeal permits a dispositive determination under the
summary judgment standard concerning plaintiff's and Pennsauken Check
Cashing's status as holders in due course.
We reverse the court's order granting defendant's summary judgment
motion, and remand for further proceedings. Because the court made credibility
determinations in its disposition of the summary judgment motion, on remand
the matter shall be assigned to a different judge.
statement of reasons, which includes a summary of the parties' arguments, do
not assert, address or mention any claim that the complaint should be dismissed
because either plaintiff or Pennsauken Check Cashing is not a holder in due
course.
A-3387-17T4
7