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Anne Carr v. Nco Financial Systems

December 20, 2011


The opinion of the court was delivered by: Gene E.K. Pratter



Plaintiff Anne Carr brings this action against NCO Financial Systems, Inc. ("NCO") seeking a declaratory judgment, and damages, costs, and attorney's fees for NCO's alleged violations of the Fair Debt Collection Practices Act ("FDCPA"). 15 U.S.C. § 1692 et seq. Ms. Carr contends that NCO engaged in abusive and harassing collection conduct in violation of 15 U.S.C. § 1692d and § 1692d(5), *fn1 when it placed "constant[ ] and continuous[ ]" automatic collection calls to her "once every two, three, four, or five days" over a period of roughly 30 days beginning in December 2010. Compl. ¶¶ 18, 32. Ms. Carr identified nine (9) calls in her Complaint by date and time, and alleges on information and belief that NCO placed similar calls to her home telephone on other occasions. *fn2 Compl. ¶¶ 19-28, 31.

Pursuant to Federal Rule of Civil Procedure 12(b)(6), NCO filed a Motion to Dismiss Ms. Carr's Complaint for failure to state a claim under the FDCPA (Docket No. 3). Specifically, NCO argues that nine (9) calls, as a matter of law, does not constitute harassing conduct under § 1692d and § 1692d(5).

For the reasons set forth below, the Court will deny NCO's Motion to Dismiss.


A Rule 12(b)(6) motion to dismiss tests the sufficiency of a complaint. Conley v. Gibson, 355 U.S. 41, 45-46 (1957). Although Rule 8 of the Federal Rules of Civil Procedure requires only "a short and plain statement of the claim showing that the pleader is entitled to relief," F ED. R. C IV. P. 8(a)(2), in order to "give the defendant fair notice of what the . . . claim is and the grounds upon which it rests," Bell Atlantic Corp. v. Twombly, 127 S. Ct. 1955, 1964-65 (2007) (quoting Conley, 355 U.S. at 47), the plaintiff must provide "more than labels and conclusions, and a formulaic recitation of the elements of a cause of action will not do." Id. (citations omitted). The question is, briefly stated, has the claimant presented a "plausible" claim for relief? Specifically, "[f]actual allegations must be enough to raise a right to relief above the speculative level . . . ." Id. at 1965 (citations omitted). The question is not whether the claimant will ultimately prevail but whether the complaint is "sufficient to cross the federal court's threshold." Skinner v. Switzer, 131 S. Ct. 1289, 1296 (2011) (citations omitted); see also Matrixx Initiatives, Inc. v. Siracusano, 131 S. Ct. 1309, 1323 (2011). Nonetheless, to survive a motion to dismiss, a civil complaint must allege "factual content [that] allows the court to draw the reasonable inference that the defendant is liable for the misconduct alleged." Ashcroft v. Iqbal, 129 S. Ct. 1937, 1949 (2009) (confirming that Twombly applies to all civil cases).

The Court "must only consider those facts alleged in the complaint and accept all of those allegations as true." ALA, Inc. v. CCAIR, Inc., 29 F.3d 855, 859 (3d Cir. 1994) (citing Hishon v. King & Spalding, 467 U.S. 69, 73 (1984)); see also Twombly, 127 S. Ct. at 1965 (stating that courts must assume that "all the allegations in the complaint are true (even if doubtful in fact)"). Although the Court must accept as true all reasonable inferences that may be drawn from the allegations, and view those facts and inferences in the light most favorable to the non-moving party, Rocks v. Philadelphia, 868 F.2d 644, 645 (3d Cir. 1989), the Court need not accept as true "unsupported conclusions and unwarranted inferences," Doug Grant, Inc. v. Greate Bay Casino Corp., 232 F.3d 173, 183-84 (3d Cir. 2000) (citing City of Pittsburgh v. West Penn Power Co., 147 F.3d 256, 263 n.13 (3d Cir. 1998)), or the plaintiff's "bald assertions" or "legal conclusions." Morse v. Lower Merion Sch. Dist., 132 F.3d. 902, 906 (3d Cir. 1997).


Section 1692d of the FDCPA makes it unlawful for a debt collector to engage "in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt." 15 U.S.C. § 1692d. Subsection (5) of § 1692d prohibits "[c]ausing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number." 15 U.S.C. § 1692d(5).

NCO argues that Ms. Carr's claims should be dismissed because "causing the phone to ring" without showing an "intent to annoy, abuse, or harass any person at the called number," is not a violation of the FDCPA. Specifically, NCO argues that neither the number nor the frequency of the calls alleged are sufficient for the Court to infer intent to annoy, abuse, or harass, and that therefore the plaintiff fails to state a claim for relief. *fn3

Pursuant to § 1692d(5), Ms. Carr is only required to plead enough facts to show that it is plausible that NCO caused her telephone to ring repeatedly or continuously with the intent to annoy, abuse, or harass. Courts have found that a high volume of calls alone may be sufficient to state a plausible claim that a debt collector engaged in harassing conduct. See, e.g., Valentine v. Brock & Scott, PLLC, No. 09-2555, 2010 WL 1727681, at *4 (D.S.C. Apr. 26, 2010) (holding the plaintiff stated a claim for relief under the FDCPA where she alleged the defendant made 11 calls in 19 days); Brown v. Hosto & Buchan, PLLC, 748 F. Supp. 2d 847, 852 (W.D. Tenn. 2010) (holding plaintiff stated claim for relief under the FDCPA where the defendant called her 17 times in a month and used an automatic telephone dialing system).

Indeed, "[w]hether there is actionable harassment or annoyance turns not only on the volume of calls made, but also on the pattern of calls." Shand-Pistilli v. Prof'l Account Servs., Inc., No. 10-1808, 2010 WL 2978029, at *4 (E.D. Pa. July 26, 2010) (O'Neill, J.) (holding that where a plaintiff alleged "continuous calls" to her home by a telephone number owned by defendant, and asked the defendant to stop calling her, the Court found the allegations factually sufficient to support a plausible claim for relief under § 1692d(5)); see also Stuart v. AR Res., Inc., No. 10-3520, 2011 WL 904167, at *3 (E.D. Pa. Mar. 16, 2011) (Buckwalter, J.) (holding allegations of repeated calls, profane language, and refusal to comply with requests to stop calling were sufficient to state a claim under § 1692d(5)); but see Sutton v. New Century Fin. Servs., No. 05-3125, 2006 WL 2038500, at *2 (D.N.J. July 19, 2006) (denying motion to amend complaint to include a claim under § 1692d(5) as futile because even if the defendant placed the "two alleged phone calls . . . over a two month period," the facts were insufficient to entitle the plaintiff to relief).

In support of its motion, NCO cites to numerous district court cases from outside of the Third Circuit holding that the plaintiffs failed to make out claims under the FDCPA where the defendant collection agencies made many more calls and at a much greater frequency than in the present case. However, as Ms. Carr correctly points out in her Response in Opposition to NCO's Motion to Dismiss (Docket No. 6), in all but one of NCO's inventory of cases, the various district courts decided ...

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