Jamison v. First Georgia Bank, A89A1169
Decision Date | 06 October 1989 |
Docket Number | No. A89A1169,A89A1169 |
Citation | 387 S.E.2d 375,193 Ga.App. 219 |
Parties | , 10 UCC Rep.Serv.2d 1328 JAMISON v. FIRST GEORGIA BANK. |
Court | Georgia Court of Appeals |
Greer, Klosik & Daugherty, Frank J. Klosik, Jr., H. Clifton Cobb, Atlanta, for appellant.
Troutman, Sanders, Lockerman & Ashmore, Herbert D. Shellhouse, Atlanta, for appellee.
David K. Jamison brought suit against First Georgia Bank alleging breach of contract, libel, negligent hiring and retention of a bank employee, and fraud. The jury returned a verdict in favor of Jamison only as to the libel count, to which the trial court granted First Georgia's motion for judgment notwithstanding the verdict. The trial court denied Jamison's motion for new trial on the remaining issues and Jamison appeals.
1. Appellant contends the trial court erred by denying his motion for a new trial as to his breach of contract claim, based on his argument that the trial court misapplied OCGA § 11-4-406 ( ). The case involves a deposit made by appellant into his account on October 16, 1985. Appellant contended the deposit consisted primarily of cash, but that his account was credited with only the amount of a check deposited by appellant at the same time. Appellant thereafter wrote checks on his account which caused an overdraft because the cash funds, which appellant's personal account balance showed as present in the account, were not included in appellant's account at appellee. The evidence at trial established that the discrepancy in the amount was reflected in appellant's November statement, particularly in an altered deposit slip included in the statement, but that appellant did not bring the matter to appellee's attention until February 1986.
We need not address the applicability to this case of OCGA § 11-4-406, discussing a customer's duty to discover and report to his bank any unauthorized signatures or alterations on items contained in a statement of account, since we agree with appellee that appellant's breach of contract claim is controlled by the contract between the parties. The contract provides: Thus, regardless whether the deposit slip in this case could qualify as an altered item within the contemplation of OCGA § 11-4-406, appellant's failure to notify appellee within 60 days of his receipt of the November statement reflecting the discrepancy in his balance resulted in the forfeiture of appellant's right to challenge the statement. Error, if any, in charging the jury as to the provisions of the statute was accordingly harmless, and the trial court did not err by denying appellant's motion for a new trial. See generally Orkin Exterminating Co. v. Flowers, 187 Ga.App. 270, 271-272(1), 370 S.E.2d 29 (1988).
2. Appellant contends the trial court erred by denying his motion for a new trial as to his fraud claim. "To recover in tort for fraud the plaintiff must prove five essential elements: (1) That the defendant made the representations; (2) that at the time he knew they were false; (3) that he made them with the intention and purpose of deceiving the plaintiff; (4) that the plaintiff relied on the representations; (5) that the plaintiff sustained the alleged loss and damage as the proximate result of their having been made." (Punctuation and citations omitted.) Koppar Corp. v. Robertson, 186 Ga.App. 856, 859(4), 368 S.E.2d 807 (1988).
Appellant asserts he proved all five elements of fraud in regard to three representations made by appellee's employees, Doug McCoy and Carol Bruce, that if appellant deposited monies to cover the overdraft in his account, appellee would credit appellant's account after the internal investigation over the disputed funds ended. Appellant claims that relying on each of these deceptive representations he deposited funds to cover the overdraft and suffered the loss of the funds when appellee subsequently determined it was not in error, thereby applying the deposited funds to the overdraft and not crediting appellant's account with those funds.
As to Bruce's representation, appellant testified she told him that she would take care of the matter and check on his complaint the following morning to see if appellee's records were out of balance as a result of appellant's allegedly uncredited deposit. The following day she informed him appellee's records were not out of balance and appellant testified that they "couldn't resolve [the problem] obviously." The record establishes that Bruce's withdrawal of the alleged misrepresentation occurred prior to the time appellant deposited the funds to cover the overdraft. Davis v. Northside Realty Assoc., 165 Ga.App. 96, 97(2), 299 S.E.2d 186 (1983). North Peachtree etc. v. Hicks, 136 Ga.App. 426, 430, 221 S.E.2d 607 (1975). See also Parks v. Assoc. Commercial Corp., 181 Ga.App. 235, 236(1), 351 S.E.2d 661 (1986).
Appellant testified that McCoy asked appellant to deposit funds to cover the overdraft, stating to appellant that "[h]e was sure that ... [appellee] was going to take care of this." While ," Cooper v. Re/Max North Atlanta, 186 Ga.App. 79, 81- 82(1)(a), 366 S.E.2d 328 (1988), our careful review of the trial transcript fails to reveal any evidence that appellee did not intend to follow through on its employee's statement. "[A] party asserting fraud must introduce some evidence from which an inference of fraud may be drawn in order to make an issue." Leachman v. Cobb Dev. Co., 229 Ga. 207, 209, 190 S.E.2d 537 (1972).
We agree with appellee that review of appellant's testimony regarding the final alleged representation failed to establish the existence of any fraud. The transcript reveals that appellant was asked whether McCoy told appellant he had investigated "these types of situations before," to which appellant responded that McCoy had stated that when complaining customers were shown the microfilm records of appellee, "they went away," and that appellant did not think McCoy did any investigation of the matter. Nothing adduced at trial indicates McCoy had not investigated similar matters or that customers had not behaved as McCoy stated. Therefore, "we find no error of law or abuse of discretion that would justify reversing the judgment below." Commercial Artservices v. Buchtal Corp., 180 Ga.App. 305, 306, 348 S.E.2d 768 (1986).
3. Appellant contends the trial court erred by granting appellee's motion for judgment n.o.v. as to the libel claim. Appellant alleged that he was libelled when appellee dishonored appellant's checks drawn on his personal account. The libel in issue here was thus the notation on appellant's checks as returned to appellant's creditors by appellee that the checks were dishonored for insufficient funds, and the trial court granted appellee's motion for judgment n.o.v. made solely on the basis that appellant failed to present any evidence of special damages. We agree and affirm.
The libel found to exist by the jury in the case sub judice was not libel per se because it did not impute to appellant a criminal, dishonest, or debasing act, see Reece v. Grissom, 154 Ga.App. 194, 195(1), 267 S.E.2d 839 (1980), nor was it defamatory in relation to appellant's trade or business. Compare Southland Corp. v. Garren, 138 Ga.App. 246, 250(2)(c), 225 S.E.2d 920 (1976). We find no merit in appellant's argument that the libel did impute criminal guilt under OCGA § 16-9-20 ( ), since there is no evidence that the libel showed that appellant wrote any of the checks "knowing that [they would] not be honored by the drawee." OCGA § 16-9-20(a).
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