Borneisen v. Capital One Fin. Corp.

• Decision Date: 13 July 2011
• Docket Number: Case No. 8:09-CV-02539-T-17TGW
• Citation: Borneisen v. Capital One Fin. Corp., Case No. 8:09-CV-02539-T-17TGW (M.D. Fla. Jul 13, 2011)
• Parties: LARRY BORNEISEN and SHERRY BORNEISEN, Plaintiffs, v. CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE BANK, Defendant.
• Court: U.S. District Court — Middle District of Florida

LARRY BORNEISEN and SHERRY BORNEISEN, Plaintiffs,

v.CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE BANK, Defendant.

Case No. 8:09-CV-02539-T-17TGW

UNITED STATES DISTRICT COURT MIDDLE DISTRICT OF FLORIDA TAMPA DIVISION

Date: July 13, 2011

ORDER ON SUMMARY JUDGMENT MOTION

THIS CAUSE is before this Court on:

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                ¦Dkt.¦36¦Motion for Summary Judgment ¦
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                ¦Dkt.¦37¦Affidavit of Agent Morefield¦
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                ¦Dkt.¦38¦Declaration of Cameron Hayes¦
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                ¦Dkt.¦39¦Notice of Filing Ex. A-l    ¦
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                ¦Dkt.¦40¦Notice of Filing Ex. A-2    ¦
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                ¦Dkt.¦43¦Notice of Filing Ex. A-5    ¦
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                ¦Dkt.¦44¦Notice of Filing Ex. A-6    ¦
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                ¦Dkt.¦45¦Notice of Filing Ex. A-7    ¦
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                ¦Dkt.¦46¦Notice of Filing Ex. A-8    ¦
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                ¦Dkt.¦47¦Notice of Filing Ex. A-9    ¦
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                ¦Dkt.¦48¦Notice of Filing Ex. A-10   ¦
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                ¦Dkt.¦49¦Notice of Filing Ex. A-ll   ¦
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                ¦Dkt.¦50¦Notice of Filing Ex. A-12   ¦
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                ¦Dkt.¦51¦Notice of Filing Ex. A-13   ¦
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                ¦Dkt.¦52¦Notice of Filing Ex. B      ¦
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                ¦Dkt.¦53¦Notice of Filing Ex. C-l    ¦
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                ¦Dkt.¦55¦Notice of Filing Ex. D      ¦
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                ¦Dkt.¦56¦Notice of Filing Ex. E      ¦
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                ¦Dkt.¦57¦Notice of Filing Ex. F      ¦
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                ¦Dkt.¦58¦Notice of Filing Ex. G      ¦
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                ¦Dkt.¦60¦Notice of Filing Ex. I      ¦
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                ¦Dkt.¦61¦Notice of Filing Ex. J      ¦
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                ¦Dkt.¦62¦Notice of Filing Ex. K      ¦
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                ¦Dkt.¦63¦Notice of Filing Ex. L      ¦
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                ¦Dkt.¦64¦Notice of Filing Ex. M      ¦
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                ¦Dkt.¦65¦Notice of Filing Evidentiary Support of Evidence Regarding Dkt. 36   ¦
                ¦    ¦  ¦Motion for Summary Judgment                                          ¦
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                ¦Dkt.¦66¦Notice of Filing A-3                                                 ¦
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                ¦Dkt.¦67¦Notice of Filing A-4                                                 ¦
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                ¦Dkt.¦68¦Notice of Filing C-2                                                 ¦
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                ¦Dkt.¦72¦Response to Motion for Summary Judgment                              ¦
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                ¦Dkt.¦73¦Notice of Filing Corrected Exhibit                                   ¦
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                ¦Dkt.¦76¦Supplemental Response to Motion for Summary Judgment                 ¦
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The complaint (Dkt. 2) contains nine Counts. Counts I through V are asserted by both Mr. and Mrs. Borneisen, while Counts VI through IX are asserted solely by Mr. Borneisen. The complaint contains the following counts: Count I; Action for trespass to real property; Count II: Action for intrusion of privacy; Count III: Action for intentional infliction of emotional distress; Count IV: Action for assault; Count V: Action for battery; Count VI: Action for false imprisonment; Count VII: Action for malicious prosecution; Count VIII: Action for abuse of process; and, Count IX: Action pursuant to Florida Statutes Chapter 559, specifically alleging violations of §559.72 and requesting attorney's fees pursuant to §559.77. For the reasons set forth below, the Defendant's motion will be GRANTED IN PART AND DENIED IN PART.

Defendant, CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE BANK ("Capital One"), has filed a motion for summary judgment as to all counts contained in the Plaintiffs' complaint. This Court will address each count in turn.

I. Standard of Review

Summary judgment should be rendered if the pleadings, the discovery and disclosure materials on file, and any affidavits show that there is no genuine issue as to any material fact and that the movant is entitled to judgment as a matter of law. Fed.R.Civ.P. 56 (c) .

The plain language of Rule 56(c) mandates the entry of summary judgment after adequate time for discovery and upon motion, against a party who fails to make a showing sufficient to establish the existence of an element essential to that party's case, and on which that party will bear the burden of proof at trial.

Celotex Corp. v. Catrett, 477 U.S. 317 (1986).

The appropriate substantive law will guide the determination of which facts are material and which facts are. . .irrelevant. Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248 (1986). All reasonable doubts about the facts and all justifiable inferences are resolved in favor of the non-movant. See Fitzpatrick v. City of Atlanta, 2 F.3d 1112, 1115 (11th Cir. 1993). A dispute is genuine "if the evidence is such that a reasonable jury could return a verdict for the non-moving party." See Anderson, 477 U.S. at 248. But, " [i]f the evidence is merely colorable... or is not significantly probative... summary judgment may be granted." Id. at 249-50.

II. Statement of Facts

1. Mr. Borneisen had two Capital One credit card accounts and his wife, Mrs. Borneisen, had two separate Capital One credit card accounts. Mr Borneisen's accounts were Account Ho. 2217 and Account No. 2236. (Dkt. 43 at pp. 7-9, 11-14) .

2. Both Mr. and Mrs. Borneisen failed to make their respective minimum monthly payments on their individual accounts, and as a result, Capital One contacted Mr. Borneisen via his cellular telephone number. (Id. at pp. 16-20).

3. Mr. Borneisen does not dispute that he owes Capital One the amount it sought to collect. (Id. at pp. 16-20; p. 31:1922) .

4. Mr. Borneisen admits that he has had disputes with other credit card companies, specifically Citgo. (Id. at p. 21; p. 31:23-24).

5. On April 12, 2008, Mr. Borneisen received a call from Capital One about his delinquent accounts and Mr. Borneisen requested that Capital One stop calling him. Capital One responded that it would call "as many times per day as wanted" and "I'll call you all day every day until you pay this." (Id. at pp. 64:22-65-5; p. 70).

6. Approximately five minutes after receiving the April 12, 2008, Capital One phone call, Mr. Borneisen called Capital One's customer call center in Chester, Virginia, to complain. (Id. at p. 71:13-18; p. 71:4-5; Dkt. 57 at pp. 6:11-7:2).

7. Mr. Borneisen's call to the Capital One customer service call center was transferred to Capital One Risk Specialist Alexandria Wilson ("Ms. Wilson") who was responsible for making and taking calls to and from customers. (Dkt. 57 at p. 7:13-22).

8. Ms. Wilson verified Mr. Borneisen's identity prior to speaking with him. (Dkt. 58 at p.3; p.6:13-23),

9. During Mr. Borneisen's phone call conversation with Ms. Wilson, Mr. Borneisen admits to calling Ms. Wilson a "dumb bitch". (Dkt. 43 at p. 73:24).

10. Mr. Borneisen further admits to making the following statement to Ms. Wilson during their April 12, 2008, phone conversation: "[Y]ou think I don't know where Glen Allen, Virginia is? Because I grew up there. My first apartment was right next door." (Id. at p. 73:21-23).

11. Mr. Borneisen further admits to stating, "What do I have to do, come up there and put my foot in somebody's ass before you stop calling this house eight to ten times a day?" (Id. at p. 73 : 9-12) .

12. Ms. Wilson's computer notes taken during the April 12, 2008, phone call with Mr. Borneisen reflect that Mr. Borneisen said that he would "[W]alk into Glen Allen and shoot everybody in there and stated that he is not paying on this account." (Dkt. 59 pp. 8:4-9-15; Id. at p. 40).

13. A written statement made by Ms. Wilson on April 12,2008, states that Mr. Borneisen stated he would not pay his account, that he called Ms. Wilson "every name but my name," and that he would come to Glen Allen and blow the place up. (Dkt. 57 at p. 92).

14. After taking Mr. Borneisen's incoming call, Ms. Wilson informed her supervisor, Cameron Hayes ("Ms. Hayes"), that she [Ms. Wilson] had received a threatening phone call from a customer [Mr. Borneisen] who was upset about his account and that the caller made a threat that he was going to blow up the Capital One site in Glen Allen, Virginia. (Id. pp. 16:23-17:14).

15. Pursuant to Capital One's "Notification Procedure," (Dkt. 6 0 pp. 44 - 52) which guides employees, management, and security personal in dealing with reported security incidents, Ms. Hayes notified security personnel of Mr. Borneisen's threatening phone call. (Dkt. 57 pp. 23:23-24:12).

16. Ms. Hayes contacted onsite security, Frankie Gollub, regarding the threatening phone call. Ms. Hayes was later informed that security needed to speak with Ms. Wilson because the Chesterfield County Police Department had arrived and wanted to question Ms. Wilson. (Dkt. 60 at p. 13:14-25; Dkt. 57 at p. 24:11-18).

17. Security console operator Jamaal Johnston ("Mr. Johnston") was the person who contacted the Chesterfield County Police Department. (Dkt. 61 at p. 7:6-8; p. 11:8-10,- p. 36:3-6).

18. Corpo...