274 F.R.D. 637
N.D. Ill.
2011

MEMORANDUM OPINION AND ORDER

JEFFREY COLE, United States Magistrate Judge.

The plaintiff has moved to strike all thirteen of Chase Bank’s affirmative defenses. Chase has withdrawn its first affirmative defense. The twelve remaining are:

2. Plaintiffs claims against Chase fail because there was no “unauthorized use” as that term is used and defined in 15 U.S.C. § 1602(o); 12 C.F.R. § 226.12(b)(1) n. 22, and other applicable law.
3. Plaintiffs claims against Chase fail because plaintiff knew or should have known of the charges posted to his account because he gave the credit card numbers to certain online merchants and authorized them to post charges to his account.
4. Plaintiffs claims against Chase fail because Chase neither knew nor should have known of any alleged wrongdoing of any other persons which may have caused any purported damages to plaintiff and which was out of Chase’s control.
5. Plaintiffs claims against Chase fail because he failed to allege any cognizable damages resulting from Chase’s alleged acts or omissions.
6. Plaintiffs damages, if any, were caused by his own actions, inaction or negligence, and/or the negligence of others.
7. Plaintiffs damages, if any, were not directly or proximately caused by Chase, but were the product of persons other than Chase.
8. Plaintiffs damages, if any, are limited by his comparative and/or contributory negligence.
9. Plaintiffs claims against Chase are barred to the extent that plaintiff failed to comply with the requirements, terms and conditions of the Card Member Agreement.
10. Plaintiff failed to mitigate his damages.
11. Plaintiffs damages, if any, are barred to the extent of any loss caused by his failure to revoke the authorization he gave to certain online merchants with whom he allegedly ceased doing business.
*63912. Chase relies on any applicable defenses or counterclaims in the Truth in Lending Act.
13. Chase complied with the requirements of all applicable contracts, statutes and regulations.

As to the second, third, and fifth affirmative defenses, plaintiff argues that they are nothing more than naked denials of one of the elements of his claim under the Truth In Lending Act (TILA). As to the fourth affirmative defense, the plaintiff argues that Chase’s lack of knowledge of any alleged wrongdoing is irrelevant. And, finally, the plaintiff contends that all the affirmative defenses should be stricken as “bare bones, eonelusory allegations.”

Pursuant to Rule 12(f), the court can strike “any insufficient defense or any redundant, immaterial, impertinent, or scandalous matter.” Delta Consulting Group, Inc. v. R. Randle Constr., Inc., 554 F.3d 1133, 1141 (7th Cir.2009). “Affirmative defenses will be stricken ‘only when they are insufficient on the face of the pleadings.’” Williams v. Jader Fuel Co., 944 F.2d 1388, 1400 (7th Cir.1991). Being expressly subject to the “General Rules of Pleading” under Rule 8 of the Federal Rules of Civil Procedure, asserted “defenses” “[i]n responding to a pleading,” must be stated “in short and plain terms____” Rule 8(b)(1)(A). Affirmative defenses “must affirmatively state any avoidance or affirmative defense,” including any of the 19 defenses listed in Rule 8(c)(1).

An affirmative defense is one that admits the allegations in the complaint, but avoids liability, in whole or in part, by new allegations of excuse, justification or other negating matters. White v. De La Osa, 2011 WL 1559826, 2 (S.D.Fla.2011). An attack on a plaintiffs prima facie claim is a “negative defense,” rather than an affirmative defense, which must plead “matter that is not within the claimant’s prima facie case.” 2A Moore’s Federal Practice ¶ 8.27[1] (2d Ed. 1992). See also Fort Howard Paper Co. v. Standard Havens, Inc., 901 F.2d 1373, 1377 (7th Cir. 1990) (affirmative defenses do not controvert proof of the claim to which they are addressed). Bare legal conclusions are never sufficient, Heller Financial, Inc. v. Midwhey Powder Co., Inc., 883 F.2d 1286, 1295 (7th Cir.1989), and district courts have considerable discretion under Rule 12(f) to strike claimed defenses that do not give fair notice and merely clutter the pleadings. See Delta Consulting Group, Inc., 554 F.3d at 1141-42; State Farm Fire & Cas. Co., 2011 WL 133014,1.

There are two potential questions raised by the plaintiffs motion. First, whether Bell Atlantic v. Twombly, 550 U.S. 544, 562-63, 127 S.Ct. 1955, 167 L.Ed.2d 929 (2007), which retired the Gibson v. Conley test of sufficiency, and Ashcroft v. Iqbal, — U.S.-, 129 S.Ct. 1937, 173 L.Ed.2d 868 (2009), are to be applied to affirmative defenses as well as to claims for relief under Rule 8(a)(2). The second is whether the exceedingly sketchy and eonelusory allegations in Chase’s affirmative defenses pass muster under pre-Iqbal eases. Today, a plaintiffs “factual allegations must be enough to raise a right to relief above the speculative level.” Twombly, 550 U.S. at 555, 127 S.Ct. 1955. Put differently, a “complaint must contain sufficient factual matter, accepted as true, to ‘state a claim to relief that is plausible on its face.’ ” Ashcroft v. Iqbal, — U.S.-,-, 129 S.Ct. 1937, 1949,173 L.Ed.2d 868 (2009) (quoting Twombly, 550 U.S. at 570,127 S.Ct. 1955).

Although Twombly and Iqbal dealt with the detail required in the allegations of a complaint, courts in this and many other districts have extended Twombly’s heightened pleading standard to affirmative defenses. See e.g., State Farm Fire & Cas. Co. v. Electrolux Home Products, Inc., 2011 WL 133014, *1-2 (N.D.Ill.2011) (St. Eve, J.); Kimbrew v. Advocate Health and Hospitals Corp., 2010 WL 5135908, *1 (N.D.Ill.2010) (Hibbler, J.); On Command Video Corp. v. Roti, 2010 WL 1752350, *4 (N.D.Ill.2010) (Gettleman, J.); Bank of Montreal v. SK Foods, LLC, 2009 WL 3824668, *3 (N.D.Ill. 2009) (Gottschall, J.); Sanders v. Continental Collection Agency, Ltd., 2011 WL 1706911 (D.Colo.2011); White, 2011 WL 1559826, *2. Compare Wilbert Funeral Services, Inc. v. Custom Services Unlimited, LLC, 2010 WL 4627663, *2 (N.D.Ill.2010) (Feinerman, J.) (calling it an “open question,” but deciding *640that affirmative defense did not meet preTwombly requirements).1 Contra Leon v. Jacobson Transp. Co., Inc., 2010 WL 4810600, 1 (N.D.Ill.2010) (Marovich, J.) (finding Twombly and Iqbal inapplicable);2 Schlief v. Nu-Source, Inc., 2011 WL 1560672, *9 (D.Minn.2011) (same); Falley v. Friends University, — F.Supp.2d -, 2011 WL 1429956 (D.Kan.2011) (same) (collecting cases on both sides of the issue); Tyco Fire Products LP v. Victaulic Co., 777 F.Supp.2d 893, 895-96 2011 WL 1399847, *1 (E.D.Pa.2011) (collecting cases on both sides of the issue).3

As in Wilbert Funeral Services, Inc., supra, it is unnecessary to decide the question of the applicability of Twombly and Iqbal to affirmative defenses. Even before Iqbal and Twombly, the required short and plain statement of the “claim showing that the plaintiff is entitled to relief’ under Rule 8(a)(2) had to “give the defendant fair notice of what the claim is and the grounds upon which it rests.” Bell Atlantic, 550 U.S. at 555, 127 S.Ct. 1955 (quoting Conley v. Gibson, 355 U.S. 41, 47, 78 S.Ct. 99, 2 L.Ed.2d 80 (1957)). The same was true of affirmative defenses under Rule 8(b)(1)(A). In the instant case, Chase’s affirmative defenses are inadequately pled under pre-Twombly case law since, with perhaps the exception in the second defense, they do not give fair notice of what is being alleged. Viewed separately, as Chase has set them out, the defenses are nothing more than statements that do not provide fair notice to the plaintiff. Rule 12(f) provides the mechanism for remedying such deficiencies.

Indeed, Chase essentially concedes that its drafting might have been more precise. Nonetheless, it argues that it has sufficiently “alleged, in a series of defenses, that the charges [at issue] were not ‘unauthorized’ but were instead the product of an authorized consumer-merchant relationship____” (Chase’s Response to Motion to Strike, at 4-5). Chase goes on to explain that it is claiming that the plaintiff gave his credit card number to merchant that he authorized to post charges to his account.

It would thus appear that what Chase was trying to do, although somewhat imprecisely, was to interpose a defense that the plaintiff authorized the use of his card, taking it out of the purview of TILA, which “Congress enacted ... ‘in large measure to protect credit cardholders from unauthorized use perpetrated by those able to obtain possession of a card from its original owner.’” DBI Architects, P.C. v. American Express Travel-Related Services Co., Inc. 388 F.3d 886, 889 (D.C.Cir.2004). See 15 U.S.C. § 1643; Minskoff v. American Exp. Travel Related Services Co., Inc., 98 F.3d 703, 709 (2nd Cir.1996). But when the gist of a party’s affirmative defense does not become apparent until its response to a motion to strike the defense, that defense is insufficient. In the instant case, the twelve, separately numbered affirmative defenses may be “short,” but they are certainly not the required “plain” statements that give the plaintiff adequate notice of what is being alleged.4

*641“Unauthorized use” would appear to qualify as an affirmative defense rather than merely a denial of plaintiffs allegations, which would not. Under TILA, Chase has the burden of proving unauthorized use. “Congress strictly limited the cardholder’s liability for “unauthorized” charges [and] ... placed the burden of establishing cardholder liability on the card issuer____” DBI Architects, 388 F.3d at 889. But unauthorized use is neither twelve, separate affirmative defenses nor a single defense with twelve, legally cognizable, separate parts, even if there are multiple instances of authorized use. Chase’s affirmative defenses are stricken with leave to replead “unauthorized use” as a single defense with supporting factual allegations.

The plaintiffs motion to strike [Dkt. # 20] is GRANTED.

Notes

. The court noted that while there were no appellate court decisions applying Twombly and Iqbal to affirmative defenses, "most district courts" have done so. See 2010 WL 4627663, at *2 (collecting cases).

. Judge Marovich reasoned that "the driving force behind Twombly and Iqbal was to make it more difficult to use a bare-bones complaint to open the gates to expensive discovery and force an extortionate settlement. The point was to reduce nuisance suits filed solely to obtain a nuisance settlement." He concluded there was not the same risk in connection with affirmative defenses that warranted “extending” Twombly and Iqbal. 2010 WL 4810600, *1. Other pragmatic reasons that underlay this conclusion were the shortness of time that a defendant has to answer, the undesirability of ruling on multiple motions to amend the answer that would result from “extending” Iqbal and Twombly and avoiding discovery disputes that would develop as a defendant seeks discovery related to affirmative defenses "it had not stated in its answer.” 2010 WL 4810600, *1.

. While it may be a stretch to say of the more than 100 cases that have considered the applicability of Iqbal and Twombly to affirmative defenses, that the " 'vast majority of ... districts’ ” are in favor of the application, J & J Sports Productions, Inc. v. Mendoza-Govan, 2011 WL 1544886 (N.D.Cal.2011), it does appear that a majority are.

. Chase’s brief cites no case supporting its position that "unauthorized use" is an affirmative defense. It simply argues that "unauthorized use” is defined in the statute. (Response at 3).

*641But that does not determine whether such usage is an affirmative defense.
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