Arnold v. TruemperArnold v. Truemper
On October 14, 1992, plaintiffs filed a two-count complaint alleging the violation of
I. STATEMENT OF FACTS
According to the defendants, Regency mistakenly credited plaintiffs’ bank account with a deposit in the amount of $20,000 when plaintiffs had only deposited $2,000. Upon discovering this error, Regency demanded that plaintiffs return the amount of $18,000 which had been credited to their account in error. When the plaintiffs refused to return the funds, Regency suspected plaintiffs had committed a theft and therefore contacted the Naperville Police Department as Regency believed it was obligated to do in adherence to federal regulatory requirements. 1 It is Regency’s conduct and the ensuing conduct of police officers Joel Truemper and Donald Bisch, who investigated Regency’s charge, of which plaintiffs complain.
Count I of the complaint alleges that the defendants “conspired with each other to de-. prive the plaintiffs of due process of law and their right of privacy and equal protection of the laws, by arbitrarily and irrationally attempting to collect an alleged civil debt purportedly owed plaintiffs to [Regency] by threats of criminal prosecution, coercion and harassment_” Complaint, at ¶ 9. Specifically, plaintiffs’ complaint contains the following claims. First, plaintiffs allege that Regency filed a criminal charge against the plaintiffs with defendant City of Naperville that plaintiffs had “passed a ‘bad check’.” Complaint, at ¶ 9(a). Plaintiffs allege that this “act was irrational and without legal justification and was done for the purpose of pursuing a civil matter.” Id. Second, plaintiffs allege that police officers Truemper and Bisch “arbitrarily harassed the plaintiffs at their home and at their respective places of employment by letting it be known that plaintiffs purportedly owed $18,000.00 to [Regency], without first determining whether or not any criminal activity had occurred by the plaintiffs_” Complaint, at ¶ 9(b). Third, plaintiffs allege that Truemper and Bisch, “on their own, arbitrarily threatened plaintiffs with criminal prosecution, if plaintiffs did not pay the $18,000.00” to Regency Savings Bank and did so “without legal justification.” Complaint, at ¶ 9(c). Fourth, plaintiffs allege that Truemper and Bisch “deliberately and arbitrarily told plaintiffs’ children [ages 17, 14, and 11] that the plaintiffs owed $18,000.00 to [Regency] and would be subject to criminal prosecution, if the plaintiffs did not repay the money....” Complaint, at ¶ 9(d).
Based upon these facts, plaintiffs claim they were denied “the right to be free from harassment by police in civil disputes; the right to pursue redress of the civil courts without coercion by the police; and the right to privacy to protect their individual interests in avoiding disclosure of personal matters to their children; all of which are guaranteed by the First, Fourth, Fifth, and Fourteenth Amendments to the United States Constitution and
Count II of the complaint alleges that Regency violated the Fair Debt Collection Prac
II. ANALYSIS
Defendants move to dismiss plaintiffs’ complaint for failure to state a claim upon which relief can be granted pursuant to
A.
COUNT I:
Plaintiffs’ complaint alleges that defendants Regency, Truemper, Bisch and the City of Naperville violated their civil rights under
Count I of plaintiffs’ complaint alleges that all of the defendants conspired to violate plaintiffs’ civil rights. Plaintiffs state that the underlying constitutional violations of that conspiracy are malicious prosecution, harassment, threats to violate the plaintiffs’ due process and deprivation of privacy. Complaint, at. ¶ 9; Plaintiffs’ Response to Motion to Dismiss of Regency Savings Bank, at 1, 4. Therefore, the court will consider whether any or all of plaintiffs’ alleged constitutional violations state a claim upon which relief can be granted.
1. Malicious Prosecution
Defendants argue that plaintiffs have failed to state a cause of action against any of the defendants for conspiracy to commit malicious prosecution. One of the essential elements of a cause of action for malicious prosecution is “the commencement or continuance of an original criminal or civil judicial proceeding by the defendant....”
Joiner v. Benton Community Bank,
The plaintiffs’ complaint does not allege that criminal or judicial proceedings were commenced against them by defendants. In fact, plaintiffs allege that the County of DuPage refused to prosecute plaintiffs because the controversy, if any, between plaintiffs and Regency Savings Bank was civil in nature. Complaint, at ¶ 11. Ml
Plaintiffs cite the ease of
Mahoney v. Kesery,
Accordingly, the court concludes that plaintiffs have not stated a claim for malicious prosecution as a basis for their
2. Harassment
Defendants argue that plaintiffs’ allegation that defendants conspired to harass them does not state a cause of action under the United States Constitution or
In
Paul v. Davis,
police chiefs distributed a flyer to local merchants to warn them of possible shoplifters in the area.
Paul,
[H]is interest in reputation is simply one of a number which the State may protect against injury by virtue of its tort law, providing a forum for vindication of those interests by means of damages actions. Any harm or injury to that interest, even where as here inflicted by an officer of the State, does not result in a deprivation of “liberty” or “property” recognized by state or federal law, nor has it worked any change of respondent’s status as theretofore recognized under the ’State’s laws. For these reasons we hold that the interest in reputation in this case is neither “liberty” nor “property” guaranteed against state deprivation without due process of law.
Id.
at 712,
In a more recent and perhaps more analogous case,
Goldberg v. Weil,
Similarly, the conduct or alleged “harassment” in the instant case does not invoke protected life, liberty or property interests. Plaintiffs’ allegation that the police officers told plaintiffs’ children that plaintiffs would be prosecuted if they did not pay their alleged debt and let it be known at plaintiffs’ places of employment that plaintiffs purportedly owed $18,000 to Regency, although rude and obnoxious, does not implicate any constitutional right.
3. Threats to Violate Due Process
Plaintiffs next allege that defendants violated their civil rights by issuing “threats to violate due process.” There is no civil rights cause of action under the Constitution for “threats to violate due process rights.” To be actionable, plaintiffs’ due process rights must have actually been violated. In support of their claim of a threatened due process violation, plaintiffs cite
Lusby v. T.G. & Y. Stores, Inc.,
However, as defendants argue, both of these eases involve actual violations of due process, not mere threats. In
Lusby,
a party suspected of shoplifting was physically struck by a police officer acting as a security guard for a store, and the plaintiffs were placed in jail and subjected to strip searches by the police.
Lusby,
4. Deprivation of Privacy
Finally, plaintiffs assert that they have been deprived of their constitutional right to privacy. Plaintiffs do not indicate the basis for their right to privacy claim. They allege only that defendants denied them “the right of privacy to protect their individual interests in avoiding disclosure of personal matters to their children.” Complaint, at ¶ 12. Because plaintiffs have been less than clear as to the foundation for their right to privacy claim, the court will address several possibilities.
To the extent plaintiffs allege that they have a right to determine for themselves when, how, or to what extent information about them is to be communicated to others based on the First Amendment, they do not state a claim. The First Amendment “stands for the contrary proposition, that people have a right to determine for themselves what they say; people do not have a right to determine what others say.”
Goldberg v. Weil,
To the extent plaintiffs allege that the police officers intruded on the realm of the family in violation of either First or Fourteenth Amendment rights, or both, the court recognizes that the constitution does protect “a private realm of family life which the state cannot enter.”
Alber v. Illinois Department of Mental Health and Developmental Disabilities,
Like plaintiffs’ harassment claim, to the extent plaintiffs’ allegation of deprivation of privacy simply amounts to an alleged injury to reputation, it is outside the scope of constitutional protection absent some tangible injury.
Paul v. Davis,
In support of their right to privacy allegation, plaintiffs cite
Soldal v. Cook County,
— U.S.-,
Viewing the facts in the light most favorable to plaintiffs and having found no injury to plaintiffs’ constitutional rights, there can be no claim that the defendants conspired to violate plaintiffs’ civil rights under
In addition, the court need not determine whether plaintiffs have sufficiently alleged that defendants acted under color of state law.
For the foregoing reasons, the court dismisses Count I of plaintiffs’ complaint.
B.
COUNT II: IS U.S.C.
In Count II, plaintiffs allege that Regency violated the Fair Debt Collection Practices Act,
The purpose of the FDCPA is to “eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent state action to protect consumers against debt collection abuses.”
Regency argues that plaintiffs fail to state a claim that Regency violated the FDCPA because that statute does not apply to Regency or the type of situation presented here. The definitional section of the FDCPA at
Because plaintiffs have not alleged facts placing the defendants within the scope of the definitions of the FDCPA, plaintiffs cannot state a claim under
III. CONCLUSION
For the reasons set forth above, the court grants defendants’ motion to dismiss plaintiffs’ complaint with prejudice pursuant to
Notes
. Regency, a federal savings bank, is required to adhere to all applicable federal statutes and regulations affecting federal savings banks. Section 563.180(d) of the Regulations of the Office of Thrift Supervision states in. relevant part that “Savings associations and service corporations are required to promptly notify the appropriate law enforcement authorities ... after discovery of known or suspected criminal acts....”
. Regency, in its reply brief, points out that the plaintiffs raised the same allegations of conspiracy to commit malicious prosecution in a counterclaim filed in the Circuit Court of the Eighteenth Judicial Circuit, DuPage County, Illinois in Case No. 91 L 2177 entitled Regency Savings Bank v. Donald H. Arnold and Pamela S. Arnold. Regency argues that because in that case the court dismissed the counterclaim with prejudice, plaintiffs are barred by res judicata from raising it here. The court need not reach the issue of res judicata since plaintiffs’ complaint does not allege the commencement of any judicial proceedings although obviously Regency has pursued a civil action against them.