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Tucker v. U.S. Bank National Association

United States District Court, W.D. Washington, Tacoma

October 14, 2014

CAROL TUCKER, Plaintiff,
v.
US BANK NATIONAL ASSOCIATION, Defendant.

ORDER DENYING APPLICATION TO PROCEED IN FORMA PAUPERIS, DENYING MOTION TO DIRECT SERVICE BY U.S. MARSHALL AND DISMISSING CASE

ROBERT J. BRYAN, District Judge.

This matter comes before the court on plaintiff's application to proceed in forma pauperis (Dkt. 1), on plaintiff's motion requesting an order directing the U.S. Marshal to serve the summons and complaint (Dkt. 2), and on review of the complaint and cover sheet (Dkt. 1-1, at 1-5).

On October 6, 2014, plaintiff filed a civil complaint and an application to proceed in forma pauperis (IFP), that is, without paying the $400 filing fee for a civil case. Dkt. 1. Plaintiff also filed a civil complaint (Dkt. 1-1, at 2-5), and a motion requesting an order directing the U.S. Marshal to serve the summons and complaint (Dkt. 2).

Standard for Granting Application for IFP. The district court may permit indigent litigants to proceed in forma pauperis upon completion of a proper affidavit of indigency. See 28 U.S.C. § 1915(a). However, the court has broad discretion in denying an application to proceed in forma pauperis. Weller v. Dickson, 314 F.2d 598 (9th Cir. 1963), cert. denied 375 U.S. 845 (1963).

A district court may deny leave to proceed in forma pauperis at the outset if it appears from the face of the proposed complaint that the action is frivolous or without merit." Minetti v. Port of Seattle, 152 F.3d 1113 (9th Cir. 1998), quoting Tripati v. First Nat'l Bank & Trust, 821 F.2d 1368, 1370 (9th Cir. 1987).

Plaintiff's Application to Proceed IFP. Plaintiff states that she has a monthly income of $158.41 from a pension and $979 from a disability payment. Dkt. 1, at 1. Plaintiff states that her transportation expenses are $900 a month, and expenses for medicine are $450. Dkt. 1, at 2.

Review of the Complaint. The court has carefully reviewed the complaint in this matter. Because plaintiff filed this complaint pro se, the court has construed the pleadings liberally and has afforded plaintiff the benefit of any doubt. See Karim-Panahi v. Los Angeles Police Dep't, 839 F.2d 621, 623 (9th Cir.1988).

The complaint alleges that, in March of 2014, plaintiff was approved for an Ace Hardware U.S. Bank VISA, with a $3, 500 credit limit; and that, on September 26, 2014, she logged onto the account and discovered that her credit limit had been lowered to $2, 600. Plaintiff claims that defendant U.S. Bank National Association failed to provide her advance notice that her credit limit had been lowered, and that the reason given to her by Cardmember Services when she contacted the company consisted of false statements regarding her credit score, delinquencies, and credit history.

15 U.S.C. § 1637(i)(2) of the Truth in Lending Act (TILA) provides as follows:
In the case of any credit card account under an open end consumer credit plan, a creditor shall provide a written notice of any significant change, as determined by rule of the Bureau, in the terms (including an increase in any fee or finance charge, other than as provided in paragraph (1)) of the cardholder agreement between the creditor and the obligor, not later than 45 days prior to the effective date of the change.

Plaintiff contends that defendant failed to give her advance notice of the decrease in her credit limit. However, TILA does not require an obligor to provide advance notice of a decrease in a credit limit, unless an over-the-limit fee or penalty rate was imposed as a result of the consumer exceeding the newly decreased credit limit. 12 C.F.R. § 226.9(c)(2)(vi). There are no allegations in the complaint that an over-the-limit fee or penalty rate was imposed as a result of plaintiff's exceeding the newly decreased credit limit. In fact, plaintiff alleged that she had "an excellent payment record" on both of the U.S. Bank accounts she had. Dkt. 1-1, at 3. Further, to the extent that plaintiff claims that the decision to decrease her credit limit was based upon false information and analysis, plaintiff has not alleged a plausible basis for federal jurisdiction over such a claim.

This complaint is legally frivolous and fails to state a claim.

Unless it is absolutely clear that no amendment can cure the defect, a pro se litigant is entitled to notice of the complaint's deficiencies and an opportunity to amend prior to dismissal of the action. See Lucas v. Dep't of Corr., 66 F.3d 245, 248 (9th Cir.1995). In this case, as discussed above, any attempt by plaintiff to amend the complaint would be futile.

Decision on Application to Proceed IFP. It appears that plaintiff has the income to pay the $400 filing fee in this case. Plaintiff has made a choice to file this civil action. While the costs of this action may place a burden on her resources, plaintiff appears to have sufficient funds to pay the filing fee. Further, based upon the above analysis of the deficiencies ...


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