Case Information
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MIDLAND FUNDING, LLC ANTELL MITCHELL-JAMES (AC 37697) DiPentima, C. J., and Beach and Sheldon, Js.
Submitted on briefs October 9, 2015—officially released March 15, 2016
(Appeal from Superior Court, judicial district of Fairfield, Radcliffe, J.) Antell Mitchell-James , self-represented, the appellant (defendant), filed a brief.
Jeanine M. Dumont filed a brief for the appellee (plaintiff).
Opinion
DiPENTIMA, C. J. The self-represented defendant, Antell Mitchell-James, appeals from the summary judg- ment rendered in favor of the plaintiff, Midland Funding, LLC. On appeal, the defendant claims that the trial court improperly concluded that there was no genuine issue of material fact regarding the plaintiff’s ownership of the debt that is the subject of the complaint. We agree and, accordingly, reverse the judgment of the trial court.
The record reveals the following relevant facts and procedural history. On December 10, 2013, the plaintiff commenced this action, alleging in a two count com- plaint that the defendant (1) defaulted on her credit card account and became indebted to Chase Bank USA, N.A. (Chase), in the sum of $24,086.46, and (2) was liable for the account stated. The plaintiff also alleged that it had ‘‘purchased title to this debt on [June 30, 2011] for valuable consideration and as such is the bona fide owner of the debt.’’ The defendant responded by filing a motion to dismiss, which was denied, followed by a motion to strike both counts, which also was denied.
In March, 2014, the plaintiff served the defendant with requests for admission. The defendant responded to the plaintiff’s requests for admission in June, 2014, admitting, in relevant part, to using and making pay- ments on an unspecified Chase credit card account. She did not, however, admit to any information specific to the account in question. Ultimately, on August 4, 2014, the defendant answered the complaint, alleging that she was ‘‘without knowledge or information suffi- cient to form a belief as to the truth of the allega- tions . . . .’’
On December 1, 2014, the plaintiff filed a motion for summary judgment as to liability and damages. The plaintiff appended to the motion the sworn affidavit of a ‘‘legal specialist,’’ Tamra Stayton, who was employed by another business, Midland Credit Management, Inc., that purportedly was the ‘‘servicer of [the defendant’s] account on behalf of [the plaintiff].’’ Stayton averred that the defendant had defaulted on the subject credit card account and that the plaintiff was the current owner of the debt, entitling it to collect the $24,086.46 owed on the account. Accompanying Stayton’s affidavit were eighteen copies of monthly credit card statements of the subject account for the period of April, 2008 through October, 2009, a ‘‘field data sheet’’ with infor- mation relating to the defendant’s alleged debt, e.g., her name and amount owed, and a bill of sale that documented the alleged sale of unpaid credit card accounts from Chase to the plaintiff.
The defendant filed an opposition to the plaintiff’s motion for summary judgment, arguing that genuine issues of material fact existed. The defendant claimed, *4 inter alia, that the affidavit supporting the plaintiff’s motion contained hearsay that did not fall within the business records exception to the rule against hearsay pursuant to General Statutes § 52-180. The defendant also argued that the plaintiff, without ‘‘establish[ing] that it [was] the bona fide owner of the account in question,’’ could not ‘‘step into the shoes of the original creditor, Chase . . . .’’ (Internal quotation marks omit- ted.) Of note, appended to the defendant’s memoran- dum of law was a letter that purportedly was sent to her by Midland Credit Management, Inc., notifying her that the plaintiff had purchased her Chase account and that she owed $24,112.85 to the plaintiff.
The plaintiff replied with a supplemental memoran- dum of law in support of its motion for summary judg- ment. Although largely repetitive of its original memorandum of law, the plaintiff addressed the defen- dant’s claim that the affidavit contained inadmissible hearsay. Citing to case law and our rules of practice, the plaintiff argued that the submitted affidavit fell within the ambit of the business records exception to the hearsay rule. With the supplemental memorandum of law, the plaintiff also submitted an affidavit from Martin Lavergne, an officer of JPMorgan Chase Bank, N.A., who averred that he was authorized by Chase to submit the affidavit. Lavergne further averred that Chase sold a ‘‘pool of charged-off accounts’’ to the plain- tiff, and, as part of the sale, ‘‘electronic records and other records on individual accounts included in the [pool of charged-off accounts] were transferred to [the plaintiff].’’ Lavergne affirmed that he was ‘‘aware of the process of the sale and assignment of electronically stored business records,’’ and averred, without elabo- rating as to the basis for his averment, that he was ‘‘not aware of any errors in the [pool of charged-off accounts].’’
After a hearing on January 26, 2015, the court granted the plaintiff’s motion for summary judgment, finding ‘‘a proper account stated of $24,086.46.’’ This appeal followed.
On appeal, the defendant claims that the court improperly granted the plaintiff’s motion for summary judgment. Specifically, the defendant argues that Stay- ton’s affidavit failed to provide the ‘‘evidentiary founda- tion for the documents submitted [by the plaintiff] as business records.’’ Consequently, the defendant argues, the plaintiff ‘‘never established that it was the successor in interest to the account in question’’; thus, the court erred in rendering summary judgment because a genu- ine issue of material fact existed as to whether the plaintiff owned the defendant’s charged-off account. We agree.
As a preliminary matter, we set forth the standard
of review. The parties agree that plenary review is the
appropriate standard. Generally, ‘‘[o]ur review of the
*5
trial court’s decision to grant the . . . motion for sum-
mary judgment is plenary. . . . On appeal, we must
determine whether the legal conclusions reached by
the trial court are legally and logically correct . . . .’’
(Internal quotation marks omitted.)
American Express
Centurion Bank
v.
Head
,
A trial court’s decision to admit evidence,
if premised
on a correct view of the law
, however, calls for the
abuse of discretion standard of review. Id.; see also
Nash
v.
Stevens
,
Unfortunately, here, we have no memorandum of decision from the court to help us determine the precise basis of the court’s decision to grant the motion for summary judgment. Nevertheless, we may infer that for the court to have rendered summary judgment, it must have concluded that the hearsay contained in the plain- tiff’s affidavit supporting its motion fell within the busi- ness records exception to the rule against hearsay. Therefore, whether the court applied the correct legal test to admit computer generated business records *6 under a hearsay exception is a ‘‘legal [question] demanding plenary review.’’ (Internal quotation marks omitted.) Id., 617.
A party seeking summary judgment has the consider-
able burden of demonstrating the absence of any genu-
ine issue of material fact because ‘‘litigants ordinarily
have a constitutional right to have issues of fact decided
by a [trier of fact] .
.
.
.’’ (Citation omitted.)
Town
Bank & Trust Co
. v.
Benson
,
Only evidence that would be admissible at trial may
be used to support or oppose a motion for summary
judgment. See
Great Country Bank
v.
Pastore
, 241
Conn. 423, 436,
Hearsay is an out-of-court statement offered to prove
the truth of the matter asserted. See
Connecticut
Bank & Trust Co
. v.
Reckert
,
First, the proponent must satisfy the statutory
requirements of the business records exception to the
hearsay rule. See id., 376. ‘‘To admit evidence under
the business record exception to the hearsay rule, a
trial court judge must find that the record satisfies each
of the three conditions set forth in General Statutes
§ 52-180. The court must determine, before concluding
that it is admissible, that the record was made in the
regular course of business, that it was in the regular
course of such business to make such a record, and
that it was made at the time of the act described in the
report, or within a reasonable time thereafter. . . . To
qualify a document as a business record, the party offer-
ing the evidence must present a witness who testifies
that these three requirements have been met.’’ (Internal
quotation marks omitted.)
Emigrant Mortgage Co
. v.
D’Agostino
,
Second, the proponent of the computer generated
business records ‘‘must establish that the basic ele-
ments of the computer system are reliable.’’
Federal
Deposit Ins. Corp
. v.
Carabetta
, supra, 55 Conn. App.
376. The genesis of the second part of the test dates
back to
American Oil Co
. v.
Valenti
,
Satisfying this additional layer of scrutiny of com- puter generated business records is essential but not onerous. ‘‘[I]t is not necessary to produce as a witness the keypunch operator who actually entered informa- tion into the computer or the programmer who designed *8 the processing program. . . . While a witness from the computer department may well be the optimal propo- nent of such evidence, such a person may not always be available to testify. What is crucial is not the witness’ job description but rather his knowledgeability about the basic elements that afford reliability to computer print-outs. . . . The witness must be a person who is familiar with computerized records not only as a user but also as someone with some working acquaintance with the methods by which such records are made.’’ (Citation omitted.) Id., 360–61. [4]
With these principles in mind, we turn to the disposi- tive issue of whether evidence submitted by the plaintiff eliminated any issue of fact as to the ownership of the defendant’s debt. We conclude that the plaintiff’s evidence did not establish it as the owner of the debt and, therefore, the court improperly rendered sum- mary judgment.
On the basis of the record, the plaintiff attempted to establish ownership of the defendant’s debt through four documents. The first and most important docu- ment to the plaintiff’s motion was Stayton’s affidavit averring that the plaintiff owned the defendant’s debt. As proof of this ownership and to satisfy the require- ments of Practice Book § 17-46, the plaintiff submitted the second and third documents, i.e., the bill of sale and Lavergne’s affidavit. [5] As to the debt in question, Stayton’s affidavit averred that the defendant opened a credit card account with Chase on April 25, 2002, that the last payment of $50 on this account was made on June 7, 2009, and that the account was charged-off on October 30, 2009. Stayton’s affidavit also averred that the amount of the defendant’s debt was $24,086.46. To support these claims, the plaintiff submitted a fourth document, the ‘‘field data sheet.’’ [6] Despite these four documents, the plaintiff failed to demonstrate that there was no genuine issue of material fact as to the owner- ship of the defendant’s debt because Stayton’s affidavit did not establish that the plaintiff’s computer system that generated the business records was reliable.
Although Stayton’s affidavit averred that her state-
ments were ‘‘based upon personal knowledge of those
account records maintained on [the] plaintiff’s behalf,’’
asserted that she was ‘‘familiar with and trained on the
manner and method by which [Midland Credit Manage-
ment, Inc.] create[d] and maintain[ed] its business
records pertaining to this account,’’ and recited the
statutory requirements of § 52-180, the affidavit did
not ‘‘establish that the basic elements of the computer
system [were] reliable.’’
Federal Deposit Ins. Corp
. v.
Carabetta
, supra,
We conclude that Stayton’s affidavit did not satisfy
the second part of the two part test as presented in
Federal Deposit Ins. Corp
. v.
Carabetta
, supra, 55 Conn.
App. 376. Unlike the testimony of the witness in
First
Union National Bank
v.
Woermer
,
Finally, ‘‘[w]e do not suggest that defendants who default on their credit card payments can defeat a sum- mary judgment motion simply by denying that [the cred- itor does not own the debt]. We merely conclude that the plaintiff creditor needs to substantiate its claims with sufficient evidence at the summary judgment stage. Having failed to negate the existence of a genuine issue of material fact, the plaintiff did not meet its burden of establishing that as a matter of law, summary judgment should have been rendered in its favor.’’ American Express Centurion Bank Head , supra, 115 Conn. App. 17–18. Here, the plaintiff failed to meet its burden of establishing the absence of a genuine issue of material fact as to the factual basis for its claim of ownership of the defendant’s alleged debt. Thus, the court erred in concluding that the plaintiff was entitled *10 to judgment against the defendant as a matter of law. Accordingly, we reverse the judgment of the trial court.
The judgment is reversed and the case is remanded with direction to deny the plaintiff’s motion for sum- mary judgment and for further proceedings according to law.
In this opinion the other judges concurred.
plaintiff violated her privacy rights, lacked standing, violated federal and
[1]
The defendant also raised additional issues on appeal, namely, that the
state law, and that the court denied her ‘‘equal and just treatment’’ in violation
of the fifth and fourteenth amendments to the federal constitution. Although
we are solicitous of the rights of self-represented litigants; see
Cragg
v.
Administrator, Unemployment Compensation Act
,
