PNC Bank v. Dunlap

[Cite as PNC Bank v. Dunlap, 2012-Ohio-2917.]
IN THE COURT OF APPEALS OF OHIO
FOURTH APPELLATE DISTRICT
ROSS COUNTY
PNC BANK, NA SUCCESSOR TO :
NATIONAL CITY BANK,
:
Plaintiff-Appellee, Case No. 11CA3282
:
vs.
:
DAVID DUNLAP AKA DAVID N. DECISION AND JUDGMENT ENTRY
DUNLAP, :
Defendant-Appellant. :
_________________________________________________________________
APPEARANCES:
PRO SE APPELLANT: David N. Dunlap, II, 2082 Lick Run Road, Chillicothe, Ohio
45601, Pro Se
COUNSEL FOR APPELLEE: Matthew G. Burg, Weltman, Weinberg & Reis Co. L.P.A.,
323 West Lakeside Avenue, Ste. 200, Cleveland, Ohio
44113
CIVIL APPEAL FROM COMMON PLEAS COURT
DATE JOURNALIZED: 6-22-12
ABELE, P.J.
{¶ 1} This is an appeal from a Ross County Common Pleas Court summary judgment in
favor of PNC Bank NA, successor to National City Bank (PNC), plaintiff below and appellee
herein, on its two claims against David Dunlap, defendant below and appellant herein.
{¶ 2} Appellant assigns the following errors for review:1
1
Appellant’s brief neglects to set forth assignments of error as App.R. 16(A)(3) requires. Because appeals are
resolved on the basis of errors assigned for review, see App.R. 12(A)(1)(b), we would be within our authority to affirm the trial
court's judgment without discussion. However, in the interests of justice, we will consider the four sub-parts of appellant’s
“Argument,” set forth in his brief's Table of Contents.
ROSS, 11CA3282 2
FIRST ASSIGNMENT OF ERROR:
“THE COURT OF COMMON PLEAS ERRED BY ALLOWING
SUMMARY JUDGMENT WITHOUT ESTABLISHMENT BY
PLAINTIFF OF SIGNATURE BY DEFENDANT ON
PLAINTIFF’S EXHIBITED DOCUMENTS.”
SECOND ASSIGNMENT OF ERROR:
“THE COURT OF COMMON PLEAS ERRED BY ALLOWING
PLAINTIFF’S ATTORNEY TO PURSUE DEBT COLLECTION
AND ALLOW THIS CASE TO MOVE FORWARD WHEN
PLAINTIFF’S ATTORNEYS FAILED TO VERIFY DEBT IN
ACCORDANCE WITH 15 USC 1692 ET SEQ AND IS
THEREFORE PROHIBITED FROM ANY COLLECTION OF
DEBT FROM MAY 16, 2011.”
THIRD ASSIGNMENT OF ERROR:
“THE COURT OF COMMON PLEAS ERRED BY ALLOWING
SUBMISSION OF AFFIANT, NANCY K. FENIGER’S
AFFIDAVIT AS ADMISSIBLE EVIDENCE IN THIS CASE.”
FOURTH ASSIGNMENT OF ERROR:
“THE COURT OF COMMON PLEAS ERRED BY DENYING
DEFENDANT’S MOTION FOR THE COURT TO
RECONSIDER GRANTING PLAINTIFF’S MOTION FOR
SUMMARY JUDGMENT.”
{¶ 3} On March 1, 2007, Kahali Investments, L.L.C. (Kahali), entered into a agreement
with PNC’s predecessor-in-interest for, what appears to have been, a line of credit. Appellant,
as an owner of Kahali, executed a personal guarantee of the obligation. Apparently, Kahali was
dissolved on July 17, 2008.
{¶ 4} PNC commenced the instant case on May 12, 2010 and alleged that $51,140.94
remained due and owing on the credit line extended to Kahali and sought compensation from
appellant on his guarantee. The complaint was later amended to include a claim that appellant
ROSS, 11CA3282 3
was also in default of payment on a PNC credit card.
{¶ 5} On June 16, 2010, appellant filed “In Admiralty,” an “Affidavit of Specific
Negative Averment, Opportunity to Cure, and Counterclaim.” The trial court treated this
pleading as a denial of PNC’s allegations. As for the counterclaim, appellant sought million
dollar damages from PNC for, inter alia, failure to state a claim upon which relief could be
granted, failure to respond, racketeering, fraud and “dishonor in commerce.”
{¶ 6} PNC filed a summary judgment motion and argued that no genuine issues of
material fact remained in this case. In support of its motion, PNC attached the affidavit of
Nancy K. Feniger who attested that she is the custodian of business records for PNC and, thus,
had personal knowledge of its records. Feniger attested that due and owing from appellant was
the sum of $49,729.44, together with interest at the rate of 8.25% per annum on the Kahali credit
line, as well as $5,781.67, and accrued interest, on appellant’s credit card account.
{¶ 7} Appellant filed a memorandum in opposition to that motion, but offered nothing
in the way of Civ.R. 56(C) evidentiary materials to rebut PNC’s motion. The trial court granted
PNC’s motion and entered judgment in its favor as a matter of law. This appeal followed.
I
{¶ 8} Before we address the assignments of error on their merits, we first discuss the
appropriate standard of review. Appellate courts review summary judgments de novo. Sutton
Funding, L.L.C. v. Herres, 188 Ohio App.3d 686, 936 N.E.2d 574, 2010-Ohio-3645, at ¶59;
Broadnax v. Greene Credit Service (1997), 118 Ohio App.3d 881, 887, 694 N.E.2d 167;
Coventry Twp. v. Ecker (1995), 101 Ohio App .3d 38, 41, 654 N.E.2d 1327. In other words, we
afford no deference whatsoever to trial court decisions, Sampson v. Cuyahoga Metro. Hous.
ROSS, 11CA3282 4
Auth., 188 Ohio App.3d 250, 935 N.E.2d 98, 2010-Ohio-3415, at ¶19; Kalan v. Fox, 187 Ohio
App.3d 687, 933 N.E.2d 337, 2010-Ohio-2951, at ¶13, and conduct our own, independent,
review to determine if summary judgment is appropriate. Phillips v. Rayburn (1996), 113 Ohio
App.3d 374, 377, 680 N.E.2d 1279; McGee v. Goodyear Atomic Corp. (1995), 103 Ohio App.3d
236, 241, 659 N.E.2d 317.
{¶ 9} Summary judgment under Civ. R. 56(C) is appropriate when a movant shows that
(1) no genuine issues of material fact exist, (2) he is entitled to judgment as a matter of law and
(3) after the evidence is construed most strongly in favor of the non-movant, reasonable minds
can come to one conclusion and that conclusion is adverse to the non-moving party. See
Kaminski v. Metal & Wire Prods. Co., 125 Ohio St.3d 250, 927 N.E.2d 1066, 2010-Ohio-1027 at
¶103; Zivich v. Mentor Soccer Club, Inc. (1998), 82 Ohio St.3d 367, 369-370, 696 N.E.2d 201.
The movant bears the initial burden to show that no genuine issue of material fact exists and that
it is entitled to judgment as a matter of law. Vahila v. Hall (1997), 77 Ohio St.3d 421, 429, 674
N.E.2d 1164; Dresher v. Burt (1996), 75 Ohio St.3d 280, 293, 662 N.E.2d 264. If that burden is
satisfied, the onus shifts to the non-moving party to provide rebuttal evidentiary materials. See
Trout v. Parker (1991), 72 Ohio App.3d 720, 723, 595 N.E.2d 1015; Campco Distributors, Inc.
v.. Fries (1987), 42 Ohio App.3d 200, 201, 537 N.E.2d 661. With these principles in mind, we
turn our attention to the trial proceedings.
II
{¶ 10} Appellant’s first assignment of error asserts that the trial court erred by granting
PNC summary judgment. The initial burden on summary judgment lies with the movant to
produce Civ.R. 56(C) evidentiary materials on its behalf to show that it is entitled to summary
ROSS, 11CA3282 5
judgment. Here, PNC met that burden with the Nancy Feniger affidavit, as well as exhibits that
affidavit incorporated. These materials established that appellant was liable on his guarantee of
the Kahali credit line, that amount remained due and owing on that line and, further, appellant
was in default of payment on his credit card.
{¶ 11} The burden then shifted to appellant to provide Civ.R. 56(C) rebuttal evidentiary
materials. Appellant, however, failed to provide such materials. Although this Court provides
considerable leeway to pro se litigants, see e.g. Dalrymple v. Purdum, Ross App. No. 09CA3119,
2010-Ohio-2750; State v. Headlee, Washington App. No. No. 08CA6, 2009-Ohio-873, at ¶6, we
cannot excuse litigants from complying with the Ohio Rules of Civil Procedure. PNC supplied
sufficient Civ.R. 56(C) materials to warrant summary judgment in its favor. Appellant,
however, provided no such materials in rebuttal. Thus, the trial court correctly awarded
summary judgment to PNC. Consequently, appellant’s first assignment of error is without merit
and is hereby overruled.
III
{¶ 12} In his second assignment of error, appellant asserts that PNC failed to comply
with the federal “Fair Debt Collection Practices Act” (FDCPA) codified at 15 U.S.C. 1692, et
seq. We disagree with appellant.
{¶ 13} First, appellant points to no specific federal law provisions that he claims was
violated. Obviously, we will not reverse a judgment without some clear indication that the trial
court erred in its ruling.
{¶ 14} Second, compliance with the FDCPA is not an element of a claim on account.
ROSS, 11CA3282 6
Rather, the failure to comply with the FDCPA is an affirmative defense to a claim on account.
See Dandrew v. Silver, Cuyahoga App. No. No. 86089, 2005-Ohio-6355, at ¶32; also see, e.g.
Arteaga v. Asset Acceptance, LLC (Aug. 23, 2010), 733 F.Supp.2d 1218, 1231. Once PNC
offered sufficient Civ.R. 56(C) evidentiary materials to show that it is entitled to judgment, the
evidentiary burden shifted to appellant to show that PNC had not complied with the FDCPA.
Appellant offered nothing in the way of Civ.R. 56(C) evidentiary materials to support its defense,
and, therefore, the trial court correctly awarded PNC summary judgment.
{¶ 15} Accordingly, we hereby overrule appellant's second assignment of error.
IV
{¶ 16} Appellant’s third assignment of error asserts that the trial court erred by
considering Feniger’s affidavit in support of PNC’s motion for summary judgment. We
disagree with appellant. The provisions of Civ.R. 56 allow for the filing of affidavits in
support of summary judgment if such affidavits are based on the affiant's “personal knowledge.”
Id. at (E).
{¶ 17} In the case sub judice, Feniger’s affidavit states, inter alia, that it is made “upon
Affiant’s knowledge of the applicable business records” between PNC and appellant. This is
sufficient to satisfy Civ.R. 56(E). Under Civ.R. 56(C), the evidentiary burden shifted to
appellant to show, for one reason or another, that Feniger’s affidavit should not have been
considered. We, however, can discern no argument, in either appellant’s appellate brief, or in
his memorandum in opposition, to exclude this affidavit.
{¶ 18} Thus, we find no merit to the assignment of error and it is hereby overruled.
V
ROSS, 11CA3282 7
{¶ 19} In his fourth assignment of error, appellant asserts that the trial court erred by
denying a motion for reconsideration that he filed after the trial court granted PNC summary
judgment. The Ohio Rules of Civil Procedure do not provide for motions for reconsideration
at the trial court level. Thus, any ruling on such motion is a nullity and cannot be appealed.
Kuss v. Clements, Portage App. No. 2012–P–0023, 2012-Ohio-1678, at ¶4; Genhart v. David,
Mahoning App. No. 10MA144, 2011-Ohio-67832, at ¶12; Burriss v. Burriss, Lawrence App.
Nos. 09CA21 & 10CA11, 2010-Ohio-6116, at ¶15. Therefore, we hereby overrule appellant’s
fourth assignment of error.
{¶ 20} Having reviewed all errors appellant assigned and argued, and having found merit
in none, we hereby affirm the trial court’s judgment.
JUDGMENT AFFIRMED.
JUDGMENT ENTRY
It is ordered that the judgment be affirmed and that appellee recover of appellant costs
herein taxed.
The Court finds there were reasonable grounds for this appeal.
It is ordered that a special mandate issue out of this Court directing the Ross County
Common Pleas Court to carry this judgment into execution.
A certified copy of this entry shall constitute that mandate pursuant to Rule 27 of the
Rules of Appellate Procedure.
Harsha, J. & McFarland, J.: Concur in Judgment & Opinion
For the Court
ROSS, 11CA3282 8
BY:
Peter B. Abele
Presiding Judge
NOTICE TO COUNSEL
Pursuant to Local Rule No. 14, this document constitutes a final judgment entry and the
time period for further appeal commences from the date of filing with the clerk.