The opinion of the court was delivered by: Judge Nora Barry Fischer
Presently before the Court are Defendant's Motion to Dismiss Pursuant to Rule 12(b)(1) (Docket No. 6), its Brief in Support (Docket No.7) and Supplemental Brief in Support (Docket No.27), as well as Plaintiff's Brief in Opposition and Response in Opposition to same. (Docket Nos. 15, 28). Upon consideration of the parties' submissions, their argument at a Motion Hearing on April 19, 2013 (Docket No. 23), the allegations in Plaintiff's Complaint, and, in light of the relevant legal standard under Rule 12(b)(1), Defendant's Motion to Dismiss  is DENIED.
Plaintiff, individually and on behalf of all others similarly situated, has pled that Defendant violated the Electronic Fund Transfer Act, 15 U.S.C. §1693, et seq. and its implementing regulations, 12 C.F.R. § 205 et seq. (the "EFTA"), as it stood when he filed his complaint on December 3, 2012, by charging him a $3.00 ATM usage fee after allegedly failing to provide sufficient notice of said fee. (DocketNos. 1, 15, 28). Defendant counters that Plaintiff lacks standing to assert his claim, as he has not alleged injury in fact by pleading that he was unaware of the fact that he would be charged the $3.00 ATM fee. (Docket No. 7). Thus, Defendant has launched a facial*fn1 attack on Plaintiff's Complaint, and moved to dismiss it under Rule 12(b)(1). Under this rule, the Court applies the Rule 12(b)(6) standard, assuming the facts pled by Plaintiff as true, and resolves all reasonable inferences in his favor. See, e.g., Petruska v. Gannon University, 462 F.3d 294, 302 (3d Cir. 2006); Mullen v. Thompson, 155 F. Supp. 2d 448, 451 (W.D. Pa. 2001) (J. Lancaster). The Court focuses its analysis on the only true dispute between the parties, i.e., whether the pleading sets forth sufficient facts which could plausibly establish that the charged fee is enough to find injury in fact under the EFTA. (Docket Nos. 1, 12, 13). The court finds that it does.
The EFTA mandates that operators of ATMs provide notice of fees charged to consumers for use of the machine. Specifically, section 1693b(d) requires a notice of any fee to be posted on two locations: 1) on the ATM itself, and 2) on the ATM screen during a transaction. Greiff v. Palace Entm't Holdings, LLC, Civ. A. No. 09-1388, 2010 WL 1816300 (W.D. Pa. May 4, 2010) (J. Lancaster) (citing 15 U.S.C. § 1693b(d)(3)(B)). An ATM operator may not impose a fee in connection with any electronic fund transfer initiated by a consumer unless both notices are received by the consumer, and the consumer elects to continue the transaction. 15 U.S.C. § 1693b(d)(3)(C). Providing only one form of appropriate notice is insufficient to satisfy the statutory requirements. Riviello v. Pennsylvania State Employees Credit Union, Civ. A. No. 1:11-CV-1533, 2012 WL 1048813 (M.D. Pa. Mar. 28, 2012), appeal dismissed (June 18, 2012). Further, the EFTA's implementing regulations require that ATMs that impose a fee provide the on-machine notice "in a prominent and conspicuous location on or at the [ATM] and disclose the amount of the fee..." *fn2 Reviello v. Philadelphia Fed. Credit Union, Civ. A. No. 12-508, 2012 WL 2196320 (E.D. Pa. June 14, 2012)(citing 12 C.F.R. § 205.16(b); 12 C.F.R. § 205.16(c)(1)(emphasis added)); see also Brown v. Wells Fargo & Co., 284 F.R.D. 432 (D. Minn. 2012) (notice was not "prominent and conspicuous," where notice was not in capital letters, type and background of notice were in a coordinating, not contrasting, color, unlike other signs and buttons on ATMs, and notice was placed inside hood that protected the screen). As explained by the Seventh Circuit, the three elements of an EFTA claim are as follows: (1) a transfer of funds; (2) an initiation of the transfer by electronic means; and (3) a debit or credit to a consumer account. Bass v. Stolper, Koritzinsky, Brewster & Neider, S.C., 111 F.3d 1322, 1328 (7th Cir.1997).
As held by a majority of Courts, a violation of the statute constitutes injury in fact, and thus, a plaintiff obtains standing when the statute is violated. Piontek v. Penn Sec. Bank & Trust Co., Civ. A. No. 3:10-CV-1038, 2011 WL 1002194 (M.D. Pa. Jan. 31, 2011) report and recommendation adopted, 2011 WL 1042274 (M.D. Pa. Mar. 18, 2011).*fn3 Courts within the Third Circuit, including this District, have found standing resulting from such injury. See e.g., Greiff, 2010 WL 1816300 (denying motion to dismiss, as plaintiff's complaint did more than establish threadbare recitals of a cause of action under the EFTA, and set forth sufficient facts to state a plausible EFTA claim against defendant); Reviello v. Bluhm's Gas Sales, Inc., Civ. A. No. 3:12-CV-312, 2012 WL 5298856 (M.D. Pa. Oct. 25, 2012)(denying defendant's summary judgment motion, as a genuine issue of material fact existed as to whether notice attached to machine had information regarding $1.75 surcharge fee); Reviello v. Philadelphia Fed. Credit Union, 2012 WL 2196320 at *2 (denying motion to dismiss, as neither the statute nor the implementing regulation "sets forth any specific requirements regarding the size, features, or other attributes of the notice," but rather requires only that the on-machine notice be placed in a prominent and conspicuous location); Piontek, 2011 WL 1002194 at *3. Analogously, the Third Circuit found a violation of the Real Estate Settlement Procedures Act of 1974 ("RESPA") in Alston v. Countrywide Financial Corporation, 585 F.3d 753 (3d Cir. 2009), constituted an injury in fact, regardless of any harm to the Plaintiff.*fn4 The Court recognizes that there are a minority of courts holding that a statutory violation is not sufficient to provide standing under the EFTA. See, e.g., Charvat v. First Nat. Bank of Wahoo, Civ. A. No. 8:12-CV-97, 2012 WL 2016184 (D. Neb. June 4, 2012). However, to the extent that the Defendant relies on Charvat, this Court finds this case to be unpersuasive.*fn5
Instead, this Court agrees with the Plaintiff, that he has
sufficiently pled all the elements of an EFTA violation. To this end,
he avers that: (1) he used defendant's ATM on November 29, 2012, (Id.
at ¶29); (2) ATMs transfer funds electronically; and (3) because he
was charged a fee,
he necessarily used the ATM to withdraw from or add funds to one of
his accounts. (Docket No.
1).Though the facts stated in the Complaint do not state the precise
amount that Plaintiff withdrew or deposited, the allegations are
sufficient to infer that the three-element test is satisfied. Further,
Plaintiff's allegations that the machine's notice was not "prominent
and conspicuous," in addition to the fee of $3.00 that Plaintiff
states he was charged, are sufficient to state a claim and establish
statutory standing to bring this class action complaint against
Defendant under §§ 1693b and 205.16(c). (Id. at ¶30).*fn6
See Mabary, 888 F. Supp. 2d 857; see also Piontek, 2011 WL
1002194 at *3 (plaintiff's affidavit stating that there was not a
notice on the ATM itself, in concert with the use of the ATM and the
fee of $2.00 that she was charged, was sufficient to establish a prima
facie violation of §§ 1693b and 205.16(c) by defendant).
Based on the allegations of the Complaint, the authority cited in Plaintiff's brief, as well as the Court's own research, the Court is persuaded that Plaintiff has stated allegations that constitute injury, in fact. Plaintiff's allegations are sufficient to establish a federal cause of action under the EFTA as it stood on December 3, 2012, when plaintiff filed his Complaint. Mullen, 155 F.Supp.2d at 451. Because Plaintiff has set forth sufficient factual matter to show that the EFTA claim is facially plausible as to Citizens Bank, Defendant's motion fails.
IT IS HEREBY ORDERED that Defendant's Motion  is DENIED;
IT IS FURTHER ORDERED that Defendant shall file an Answer to Plaintiff's Complaint by May 20, 2013 at 12:00 p.m.
Nora Barry Fischer United States District Judge
cc/ecf: All counsel of ...