Spann v. Chase Bank

UNITED STATES DISTRICT COURT

EASTERN DISTRICT OF LOUISIANA

KELTON SPANN, ET AL. CIVIL ACTION

VERSUS NO. 21-1643

JPMORGAN CHASE BANK, N.A., ET SECTION “R” (5)

AL.

ORDER AND REASONS

Before the Court is defendant JPMorgan Chase Bank, N.A.’s (“Chase”)

motion to dismiss under Rule 12(b)(6) of the Federal Rules of Civil

Procedure.1 Also before the Court is defendant Angie Boudreaux’s motion

to dismiss under Rule 12(b)(5), or in the alternative, Rule 12(b)(6).2

Plaintiffs Kelton Spann and Evie Fields oppose both motions.3 For the

following reasons, the Court grants defendants’ motions to dismiss.

1 R. Doc. 15.

2 R. Doc. 16.

3 R. Docs. 26 & 36. Chase asserts that only Mr. Spann has opposed its

motion to dismiss, and that Ms. Fields has not responded to the motion

or moved to amend her complaint. R. Doc. 34 at 1 n.1. In plaintiffs’

amended opposition, they assert that both of their oppositions have

been filed “jointly” on behalf of both plaintiffs, and thus that Ms. Fields

has opposed Chase’s motion. R. Doc. 36 at 2-3. For the purposes of

this Order, the Court assumes that both Ms. Fields and Mr. Spann

oppose the motions to dismiss.

I. BACKGROUND

On September 20, 2021, plaintiffs Kelton Spann and Evie Fields,

proceeding pro se, filed a complaint against Chase and Angie Boudreaux, a

Chase branch employee. Plaintiffs allege that, on or about July 23, 2021,

Legal Document Specialist, LLC (“the Company”), a company that plaintiff

Kelton Spann allegedly owns,4 drafted a “limited power of attorney” for Ms.

Fields, naming her relative, Kelton Spann, as her agent.5 The complaint

asserts that Ms. Fields asked her agent, Mr. Spann, “to obtain a $2,500.00

Cashier’s check in Mrs. Evie Fields’s name,” and instructed him that $2,000

of those funds should be paid to the Company for previous “legal document

services” that it had provided to Ms. Fields, and that Mr. Spann should

“disperse [sic] the remaining funds to her in cash.”6 Mr. Spann represents

that, when he attempted to deposit the check into the Chase business account

of the Company, on behalf of Ms. Fields, his “personal banker,” Ms.

4 In their complaint, plaintiffs state that Kelton Spann is a “staff

member” of the LLC’s “office.” R. Doc. 4-1 at 7. But in their opposition,

plaintiffs state that Kelton Spann is “the owner of the company.” R.

Doc. 36 at 9.

5 R. Doc. 4-1 at 7.

6 Id. In Chase’s motion to dismiss, it clarifies that Mr. Spann was

“attempting to deposit a third-party check made payable to and

purportedly endorsed by Mrs. Fields into a Chase business banking

account titled to Legal Document Specialist, LLC, based on . . . the

Limited Power of Attorney.” R. Doc. 15-2 at 3-4.

Boudreaux, informed him that Chase “does not accept limited power of

attorneys.”7 Plaintiffs allege that Chase then “placed a hold” on Ms. Fields’s

check, and “closed [the Company’s] business account.”8

Plaintiffs further represent that Ms. Boudreaux told Mr. Spann that he

could verify Ms. Fields’s endorsement of the check by having her go to a

nearby branch of Chase in Covington, Louisiana.9 Plaintiffs allege that Ms.

Fields is unable to travel to Covington because she “cannot travel or ride for

long distances due to her disability,” and that the closest Chase branch is

thirty-five minutes from her home in Bogalusa, Louisiana.10 Mr. Spann

represents that he explained to Ms. Boudreaux that Ms. Fields had a

disability, and asked if Ms. Fields could endorse the check over a video call.11

According to plaintiffs, Ms. Boudreaux advised Mr. Spann that, under

Chase’s standards and procedures, Ms. Fields was required to appear in

person to endorse the check.12 Plaintiffs allege that Chase does not require

“these actions on a power of attorney with Caucasian customers.”13

7 R. Doc. 4-1 at 7.

8 Id.

9 Id.

10 Id.

11 Id.

12 Id.

13 Id.

Based on Chase’s refusal to permit Mr. Spann to deposit the check

allegedly endorsed by Ms. Fields, plaintiffs assert several causes of action

against the defendants, including under section 1983, the Equal Protection

Clause, Title VII, section 1981, the Americans with Disabilities Act, and

claims related to Chase’s “illegal hold” on plaintiffs’ funds.14

On January 5, 2022, Chase moved to dismiss plaintiffs’ claims under

Rule 12(b)(6) for failure to state a claim upon which relief may be granted.15

On the same day, defendant Ms. Boudreaux moved to dismiss plaintiffs’

claims under Rule 12(b)(5) for insufficient service of process, or in the

alternative, under Rule 12(b)(6) by adopting Chase’s motion to dismiss.16

Plaintiffs oppose both motions.17 The Court considers the parties’ arguments

below.

II. RULE 12(b)(5) MOTION

Defendant Angie Boudreaux seeks the dismissal of plaintiffs’ claims

against her on the grounds that she was not properly served in her individual

capacity.18 Federal Rule of Civil Procedure 12(b)(5) provides for dismissal of

14 Id. at 7-8.

15 R. Doc. 15.

16 R. Doc. 16.

17 R. Docs. 26 & 36.

18 R. Doc. 16.

a plaintiff’s claim if service of process is insufficient under Rule 4 of the

Federal Rules of Civil Procedure. Fed. R. Civ. P. 12(b)(5). “In the absence of

valid service of process, proceedings against a party are void.” Aetna Bus.

Credit, Inc. v. Universal Décor & Interior Design, 635 F.2d 434, 435 (5th

Cir. 1981). In the face of a Rule 12(b)(5) challenge, the party responsible for

service bears the burden of establishing that service was valid. Shabazz v.

City of Houston, 515 F. App’x 263, 264 (5th Cir. 2013) (per curiam) (citing

Sys. Signs Supplies v. U.S. Dep’t of Just., 903 F.2d 1011, 1013 (5th Cir. 1990)

(per curiam)).

Federal Rule of Civil Procedure 4(e) sets forth the procedural

requirements to effectuate service on individual defendants. Rule 4(e)

provides that a federal litigant may serve an individual defendant by

following the procedural methods of service provided by the state in which

the district court is located or where service is made, Fed. R. Civ. P. 4(e)(1),

or by doing any of the following: (1) “delivering a copy of the summons and

of the complaint to the individual personally,” (2) “leaving a copy of each at

the individual’s dwelling or usual place of abode with someone of suitable

age and discretion who resides there,” or (3) “delivering a copy of each to an

agent authorized by appointment or by law to receive service of process,”

Fed. R. Civ. P. 4(e)(2).

Here, the return of service indicates that Ms. Boudreaux was served by

leaving a copy of the summons with her co-worker, Tiffany Daniels, at

defendant’s place of employment.19 Ms. Boudreaux represents that she has

not appointed Tiffany Daniels as an agent for service of process.20 And

plaintiffs have produced no evidence that defendant appointed Tiffany

Daniels to accept service on her behalf. See Doe v. St. James Par. Sch. Bd.,

No. 15-5370, 2016 WL 1558794, at *4 (E.D. La. Apr. 18, 2016) (finding that

service was invalid when plaintiffs left a summons and complaint with an

employee at defendants’ workplace absent a showing that defendants had

authorized that employee to accept service on their behalf). Thus, plaintiffs

were required to serve defendant through personal or domiciliary service.

Delivering a summons to a defendant’s co-worker at the defendant’s

workplace constitutes neither personal service nor domiciliary service under

Rule 4(e)(2). See Magee v. Reed, No. 14-1554, 2016 WL 2348068, at *2 (E.D.

La. May 4, 2016) (finding that service upon defendants in their individual

capacity through personal or domiciliary service was not done when plaintiff

“merely left” the summons and complaint with the receptionist at

19 See R. Doc. 11 (Return). The summons was delivered to “3501 Gause

Blvd. Slidell, LA 70458” which is the address of Chase Bank. Id.; see

also R. Doc. 16-2 at 2.

20 R. Doc. 16-2 at 5-6.

defendants’ office). Thus, plaintiffs’ attempted service on Ms. Boudreaux,

through Tiffany Daniels, was insufficient under Rule 4(e)(2).

Turning to state law under Rule 4(e)(1), Louisiana law21 requires

domiciliary or personal service if the document that is being served requires

an appearance or an answer. La. Code Civ. Proc. arts. 1231, 1313. Further,

Louisiana law does not authorize service on a non-agent at an individual’s

place of work. See Jefferson Cmty. Health Care Ctr., Inc. v. Roby, 180 So.

3d 585, 587-88 (La. App. 5 Cir. 2015) (“Domicile is a person’s principal

domestic establishment, as contrasted to a business establishment.”).

Accordingly, plaintiffs’ attempted service of Ms. Boudreaux was insufficient

under state law as well.

For these reasons, the Court finds that plaintiffs did not properly serve

Ms. Boudreaux under either the Federal Rules or Louisiana law. Plaintiffs’

claims against Ms. Boudreaux are therefore subject to dismissal for

insufficiency of service of process under Rule 12(b)(5).

Under Rule 4(m), a plaintiff must properly serve a defendant within 90

days of filing the complaint. Fed. R. Civ. P. 4(m). The Rule provides:

If a defendant is not served within 90 days after the complaint is

filed, the court—on motion or on its own after notice to the

plaintiff—must dismiss the action without prejudice against that

21 Plaintiffs attempted to serve Ms. Boudreaux in Louisiana. See R. Doc.

10 (Summons).

defendant or order that service be made within a specified time.

But if the plaintiff shows good cause for the failure, the court

must extend the time for service for an appropriate period.

Fed. R. Civ. P. 4(m). Because plaintiffs here failed to serve process on Ms.

Boudreaux within 90 days of filing their complaint,22 the Court must

determine whether “good cause” exists to extend the time for service.

Thompson v. Brown, 91 F.3d 20, 21 (5th Cir. 1996). If “good cause” exists,

the Court “must extend time for service.” Id. If, on the other hand, “good

cause” does not exist, it is within the Court’s discretion to either dismiss the

case without prejudice or extend time for service. Id. The Court has “broad

discretion in determining whether to dismiss an action for ineffective service

of process.” George v. U.S. Dep’t of Labor, 788 F.2d 1115, 1116 (5th Cir.

1986). The plaintiff has the burden of proving good cause for the failure to

effect timely service. See Sys. Signs Supplies, 903 F.2d at 1013. To

demonstrate good cause, a plaintiff must “make a showing of good faith and

show some reasonable basis for noncompliance within the time specified.”

Id. (quoting Winters v. Teledyne, 776 F.2d 1304, 1306 (5th Cir. 1985)). Mere

inadvertence or ignorance of the rules cannot establish good cause. Peters

v. United States, 9 F.3d 344, 345 (5th Cir. 1993); see also Sys. Signs Supplies,

22 R. Doc. 4 (indicating that plaintiffs’ complaint was filed on September

20, 2021).

903 F.2d at 1013 (“Pro se status does not excuse a litigant’s complete failure

to effect service.”).

Plaintiffs assert that service to Tiffany Daniels, a person of suitable age

who works at the same Chase branch where Ms. Boudreaux “dwell[s] almost

everyday” is sufficient.23 Plaintiffs additionally assert that, in their view, Ms.

Boudreaux’s request for dismissal for improper service is “meritless and

should be denied because it is a waste of judicial resources and time.”24

Plaintiffs have made no attempt to demonstrate good cause for their failure

to serve defendant in accordance with Louisiana law or the Federal Rules of

Civil Procedure. Further, plaintiffs, after being notified of their

noncompliance with the rules, have made no additional efforts to serve Ms.

Boudreaux. Cf. Sys. Signs Supplies, 903 F.2d at 1014 (suggesting that

leniency may be appropriate when a pro se plaintiff made “repeated attempts

to comply with the rules” and “attempted service on the federal defendants

more than once”). The Court thus finds that neither plaintiffs’ pro se status

nor their beliefs regarding the “merit[s]” of the proper-service requirement,

constitute good cause for an extension of time.

23 Id.

24 Id. at 4.

Even if good cause is lacking, a court may nevertheless extend the

deadline for service of process by “direct[ing] that service be effected within

a specified time.” Fed. R. Civ. P. 4(m). Upon a finding that service is

insufficient but curable, it is generally appropriate for a court to quash

service rather than dismiss the complaint. Amir El v. Louisiana State, No.

16-2125, 2016 WL 6563403, at *2 (E.D. La. Nov. 4, 2016). But, when proper

service would be “futile,” dismissal is appropriate. Id. Here, the Court

concludes that an extension of plaintiffs’ deadline for service of process is not

warranted. As detailed below, even if service were properly effected on Ms.

Boudreaux, plaintiffs’ claims would not survive a motion to dismiss for

failure to state a claim under Rule 12(b)(6). Therefore, because plaintiffs

failed to timely effect service of process, and because proper service would

be futile, the Court grants Ms. Boudreaux’s motion to dismiss under Rule

12(b)(5), and dismisses plaintiffs’ claims against her.

III. RULE 12(b)(6) MOTION

Chase seeks dismissal of plaintiffs’ claims against it on the grounds that

plaintiffs have failed to state a claim.25 To survive a Rule 12(b)(6) motion to

dismiss, a plaintiff must plead enough facts to “state a claim to relief that is

25 R. Doc. 15.

plausible on its face.” Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009) (quoting

Bell Atlantic Corp. v. Twombly, 550 U.S. 544, 547 (2007)). A claim is facially

plausible “when the plaintiff pleads factual content that allows the court to

draw the reasonable inference that the defendant is liable for the misconduct

alleged.” Id. at 678. The Court must accept all well-pleaded facts as true and

must draw all reasonable inferences in favor of the plaintiff. Lormand v. U.S.

Unwired, Inc., 565 F.3d 228, 239, 244 (5th Cir. 2009). But the Court is not

bound to accept as true legal conclusions couched as factual allegations.

Iqbal, 556 U.S. at 678.

Because the plaintiffs are pro se litigants, the Court will apply “less

stringent standards” to pro se litigants than to parties represented by

counsel. Grant v. Cuellar, 59 F.3d 523, 524 (5th Cir. 1995) (per curiam).

This does not mean, however, that the Court “will invent, out of whole cloth,

novel arguments on behalf of a pro se plaintiff in the absence of meaningful,

albeit imperfect, briefing.” Jones v. Alfred, 353 F. App’x 949, 951-52 (5th

Cir. 2009). Accordingly, even a pro se complaint “must set forth facts giving

rise to a claim on which relief may be granted.” Johnson v. Atkins, 999 F.2d

99, 100 (5th Cir. 1993).

On a Rule 12(b)(6) motion, the Court must limit its review to the

contents of the pleadings, including attachments. Brand Coupon Network,

L.L.C. v. Catalina Mktg. Corp., 748 F.3d 631, 635 (5th Cir. 2014). The Court

may also consider documents attached to a motion to dismiss or an

opposition to that motion when the documents are referred to in the

pleadings and are central to a plaintiff’s claims. Id. “It is well-established

that ‘[d]ocuments that a defendant attaches to a motion to dismiss are

considered part of the pleadings if they are referred to in the plaintiff’s

complaint and are central to her claim.’” Carter v. Target Corp., 541 F. App’x

413, 416-17 (5th Cir. 2013) (per curiam) (quoting Collins v. Morgan Stanley

Dean Witter, 224 F.3d 496, 498-99 (5th Cir. 2000)). Here, Chase attaches

to its motion to dismiss the limited power of attorney that names Evie Fields

as the grantor and appoints Kelton Spann as her agent.26 Because the limited

power of attorney is referred to in plaintiffs’ complaint and is central to their

claims, the Court may consider it in ruling on defendant’s motion to dismiss.

Id.

A. Section 1983 Claim

Plaintiffs’ complaint first states that they are suing defendants under

section 1983 for violating their rights under the Equal Protection Clause.27

Section 1983 of Title 42 of the United States Code provides a cause of action

26 R. Doc. 15-3 at 1 (Limited Power of Attorney).

27 R. Doc. 4-1 at 3.

for plaintiffs whose federal rights are violated under the color of state law.

42 U.S.C. § 1983; Doe v. Dallas Indep. Sch. Dist., 153 F.3d 211, 215 (5th Cir.

1998). To state a claim under section 1983, a plaintiff must first show a

violation of the Constitution or of federal law, and then show that the

violation was committed by someone acting “under color of state law.” Id.

The “under color of state law” requirement means that the defendant in a

section 1983 action must have exercised power “possessed by virtue of state

law and made possible only because the wrongdoer is clothed with the

authority of state law.” West v. Atkins, 487 U.S. 42, 49 (1988) (citing United

States v. Classic, 313 U.S. 299, 326 (1941)). This excludes purely private

conduct, no matter how wrongful. See Am. Mfrs. Mut. Ins. Co. v. Sullivan,

526 U.S. 40, 50 (1999).

Chase seeks dismissal of plaintiffs’ complaint because it does not allege

that the defendants are state actors or that they were acting under the color

of state law.28 Plaintiffs do not dispute that Chase is a private actor, but, for

the first time in their opposition, assert that Chase “could be fairly described

as a state actor” because Chase and the State of Louisiana “operate jointly in

many ways.”29 Specifically, plaintiffs assert that Chase has received

28 R. Doc. 15-2 at 7-8.

29 R. Doc. 36 at 6-7.

“significant aid from State officials,” engages in “business deals” with the

State, and speculates that Chase “could be involved [in] a lease with the

State.”30

Although private actors and private corporations can be liable under

section 1983, liability attaches only if the plaintiff alleges that the private

actor “was a willful participant in joint activity with the State or its agents,”

or by demonstrating that the private actor conspired or acted in concert with

state actors. Glotfelty v. Karas, 512 F. App’x 409, 414 (5th Cir. 2013)

(internal quotations and citations omitted). The Fifth Circuit has previously

held that a section 1983 plaintiff must allege an agreement between the

public and private defendants to commit an illegal act and deprive the

plaintiff of constitutional rights. Priester v. Lowndes Cnty., 354 F.3d 414,

420 (5th Cir. 2004). Moreover, the Fifth Circuit has also established that

“general state involvement with [a] corporation or industry is not sufficient

to support a [section 1983] claim,” because the state’s involvement “must be

directly related to the action that gives rise to the § 1983 claim.” Daigle v.

Opelousas Health Care, Inc., 774 F.2d 1344, 1349 (5th Cir. 1985).

The Court finds that plaintiffs have failed to allege a plausible claim

under section 1983. Plaintiffs do not allege that defendants conspired with

30 Id.

the state to commit an illegal act and deprive the plaintiffs of constitutional

rights. Nor does the complaint allege an agreement between the defendants

and the state. See D’Aquin v. Landrieu, No. 16-3862, 2016 WL 7178511, at

*3 (E.D. La. Dec. 9, 2016) (dismissing plaintiff’s claims against private actors

and private corporations because plaintiff’s “complaint d[id] not allege an

agreement between the public and private defendants, nor d[id] it allege

specific facts to show an agreement”). Further, plaintiffs’ conclusory

allegations—notably absent from the complaint itself—that Chase is a state

actor because it “operates jointly” with the state by receiving state funds and

aid, fails to plausibly allege that the state was “responsible for the specific

conduct of which the plaintiff complains.” Daigle, 774 F.2d at 1349 (quoting

Blum v. Yaretsky, 457 U.S. 991, 1004 (1982) (collecting cases in which courts

found no state action when a private defendant was regulated by the state

and received state funding)). Therefore, plaintiffs’ claims under section 1983

must be dismissed. The Court dismisses plaintiffs’ section 1983 claim with

prejudice, and does not grant plaintiffs leave to amend their section 1983

allegations, because any amendment would be futile for the reasons given

above. See Forman v. Davis, 371 U.S. 178, 182 (1962).

B. Equal Protection Claim

Plaintiffs next assert a claim against defendants under the Equal

Protection Clause of the Fourteenth Amendment.31 The Fourteenth

Amendment applies to acts of governmental entities, not to acts of private

persons. See Fitzgerald v. Barnstable Sch. Comm., 555 U.S. 246, 257 (2009)

(“The Equal Protection Clause reaches only state actors . . . .”). As noted

above, plaintiffs have not plausibly alleged that the defendants are state

actors. See Mitchell v. Central Bank & Trust, 49 F.3d 728, 728 (5th Cir. 1995)

(noting that defendants Central Bank & Trust and an individual bank officer

“are private actors and therefore the Equal Protection and Due Process

clauses cannot provide a basis for jurisdiction”). Thus, like plaintiffs’ section

1983 claim, plaintiffs’ claim under the Equal Protection Clause is also

dismissed with prejudice.

C. Title VII Claim

Plaintiffs also assert a race-discrimination claim under Title VII of the

Civil Rights Act of 1964, 42 U.S.C. § 2000e, et seq.32 Chase moves to dismiss

plaintiffs’ Title VII claim on the grounds that neither Ms. Fields nor Mr.

31 R. Doc. 4-1 at 8.

32 Id.

Spann allege that Chase was their employer, or that they ever applied for

employment with Chase.33 Defendant additionally notes that plaintiffs have

failed to exhaust their administrative remedies before filing suit.34

Title VII “prohibits employment discrimination on the basis of race,

color, religion, sex, or national origin.” Ricci v. DeStefano, 557 U.S. 557, 577

(2009) (emphasis added). “[T]he purpose of Title VII is to protect employees

from their employers’ unlawful actions.” Thompson v. N. Am. Stainless, LP,

562 U.S. 170, 178 (2011). Thus, the “zone of interests that Title VII protects

is limited to those in employment relationships with the defendant.”

Simmons v. UBS Fin. Servs., Inc., 972 F.3d 664, 668 (5th Cir. 2020)

(observing that it would be a “remarkable extension” of Title VII “to rule that

a nonemployee has the right to sue”). Plaintiffs’ complaint alleges no

employment relationship, even a prospective one, with Chase. Thus,

plaintiffs have failed to state a Title VII claim upon which relief can be

granted, and the Court dismisses plaintiffs’ Title VII claim. The Court

dismisses plaintiffs’ Title VII claim with prejudice, because plaintiffs’ claim

is implausible and thus any amendment would be futile.

33 R. Doc. 15-2 at 9.

34 Id.

D. Section 1981 Claim

Plaintiffs additionally bring a race-discrimination claim under section

1981.35 In their complaint, plaintiffs represent that “Mr. Spann could not

find any procedures or standards that Chase bank required [in person

endorsement] on a power of attorney with Caucasian customers.”36 In their

opposition, plaintiffs further represent that Chase and Ms. Boudreaux

“intentionally refused to enforce the contract between Evie Fields and the

Legal Document Specialist LLC,” the latter of which is owned by Mr. Spann,

who represents that he is a “minority.”37

Section 1981 prohibits racial discrimination in making and enforcing

contracts. 42 U.S.C. § 1981. To establish a section 1981 claim for contractual

discrimination, a plaintiffs must allege that: “(1) they are members of a racial

minority; (2) Defendants intended to discriminate on the basis of race; and

(3) the discrimination concerned one or more of the activities enumerated in

the statute.” Body by Cook, Inc. v. State Farm Mut. Auto. Ins., 869 F.3d 381,

386 (5th Cir. 2017) (citing Bellows v. Amoco Oil Co., 118 F.3d 268, 274 (5th

Cir. 1997)). “[A] cause of action for racial discrimination in the making and

enforcement of contracts, under § 1981, require[s] the plaintiff to

35 R. Doc. 4-1 at 7-8.

36 Id.

37 Id. at 7.

demonstrate intentional discrimination.” Coleman v. Houston Indep. Sch.

Dist., 113 F.3d 528, 533 (5th Cir. 1997). Discriminatory intent can be

established via direct evidence or, “more commonly,” by circumstantial

evidence. Bellows, 118 F.3d at 274. “An allegation that similarly situated

non-minorities received better treatment ‘could create the necessary

inference and set the predicate for establishing a section 1981 claim.” Body

by Cook, 869 F.3d at 386-87 (quoting Crosby v. Kilgore, 9 F.3d 104 (5th Cir.

1993)). But “naked allegation[s]” of discriminatory intent are insufficient to

survive a motion to dismiss. Id. (quoting Albert v. Carovano, 851 F.2d 561,

572 (2d Cir. 1988) (en banc)).

Here, plaintiffs’ complaint adequately pleads the first element

necessary to make out a section 1981 claim, by alleging that Mr. Spann is a

member of a racial minority. But plaintiffs have not adequately alleged

discriminatory intent, the second element of a section 1981 claim.38

Specifically, plaintiffs’ allegations of racially discriminatory intent are purely

conclusory and subjective. Although plaintiffs allege that “similarly situated

Caucasian customers” received better treatment than Mr. Spann, plaintiffs

fail to identify a single similarly situated non-minority customer who was

38 Because plaintiffs have failed to adequately allege the second element

of a section 1981 claim, the Court does not address whether they have

adequately alleged the third element.

permitted to use a limited power of attorney to verify an endorsement on a

check. Such a conclusory assertion, devoid of any facts about these allegedly

“similarly situated” customers or what services they sought, is insufficient to

plausibly allege a discrimination claim. See Body by Cook, 869 F.3d at 387

(holding that plaintiffs’ “generalized allegations regarding Defendants’

alleged disparate treatment of [plaintiffs] versus non-minority-owned

shops” were “not specific enough to plead discriminatory intent”); Pullins v.

Hancock Whiteny Bank, 512 F. Supp. 3d 647, 664 (M.D. La. 2021) (granting

defendant’s motion to dismiss plaintiff’s section 1981 claim because plaintiff

failed to allege “facts that non-minority bank customers seeking the same

services under the same terms were not subjected to the same

delays/holds”); Brannon v. Delta Airlines, Inc., 434 F. Supp. 3d 124, 136

(S.D.N.Y. 2020) (“Plaintiff cannot maintain his discrimination claim based

on an unsupported assertion regarding how similarly situated individuals

were treated.”).

Further, Mr. Spann’s alleged inability to find Chase’s asserted policies

and procedures on limited power of attorneys, and his “conclusion” that this

was because Chase had a different set of standards for non-minority

customers, falls far short of plausibly alleging discriminatory intent. Mr.

Spann’s subjective belief of discriminatory intent, lacking any non-

conclusory factual allegations to support it, is insufficient to state a section

1981 claim. See Bolden v. Am. Airlines, Inc., No. 21-603, 2021 WL 3419682,

at *4 (N.D. Tex. Aug. 5, 2021) (“While the Court does not doubt that

[plaintiff] believes she was discriminated against, ‘courts are not prepared to

hold that a subjective belief of discrimination, however genuine, can be the

basis of judicial relief.’” (quoting Sherrod v. United Way Worldwide, No. 17-

758, 2018 WL 10435225, at *5 (N.D. Tex. Apr. 18, 2018))). For these reasons,

plaintiffs’ section 1981 claim is dismissed without prejudice. The Court

grants plaintiffs leave to amend their complaint to plead facts sufficient to

establish the second and third elements of a section 1981 claim.

E. Americans with Disabilities Act Claim

The complaint additionally asserts a claim under Title III of the

Americans with Disabilities Act (“ADA”), 42 U.S.C. § 12181, et seq.39

Plaintiffs’ complaint states that Ms. Fields suffers from “a disability where

she cannot travel long distances or ride in a car for a long time.”40 Plaintiffs

assert that Ms. Boudreaux refused to accommodate Ms. Fields’s disability

and instead insisted that Ms. Fields travel from her home in Bogalusa,

39 Id. at 8.

40 Id.

Louisiana to the closest Chase branch in Covington, Louisiana, which is

thirty-five minutes from Ms. Fields’s home.41

Title III of the ADA provides that “[n]o individual shall be

discriminated against on the basis of disability in the full and equal

employment of goods, services, facilities, privileges, advantages, or

accommodations of any place of public accommodation.” 42 U.S.C.

§ 12182(a). To state a claim under Title III, a plaintiff must allege that (1) she

is disabled within the meaning of the ADA; (2) the defendant owns, leases,

or operates a place of public accommodation; and (3) the defendant

discriminated against the plaintiff by denying her a full and equal

opportunity to enjoy the services that the defendant provides. Id.; see also

Smith v. Ochsner Med. Ctr.-Westbank, L.L.C., No. 17-11898, 2019 WL

296860, at *5 (E.D. La. Jan. 23, 2019). Chase contends that Ms. Fields fails

to allege that: (1) she has a disability under the ADA; (2) she has standing to

bring an ADA claim; (3) she requested a reasonable modification; (4) she was

discriminated against because of her disability.42

As an initial matter, plaintiffs’ requested relief—compensatory and

punitive damages43—are unavailable under Title III. See Perez v. Doctors

41 Id. at 7.

42 R. Doc. 15-2 at 10-17.

43 R. Doc. 4-1 at 5.

Hosp. at Renaissance, Ltd., 624 F. Appx’ 180, 183 (5th Cir. 2015) (“Damages

are not available for a Title III ADA claim brought by a private party, but a

private party may seek injunctive relief.” (citing 42 U.S.C. § 12188(a)(1))).

Because the only remedies sought by plaintiffs are unavailable under Title III

of the ADA, plaintiffs’ ADA claim must be dismissed for failure to state a

claim upon which relief can be granted. See Eaton v. Woodlawn Manor, No.

21-1337, 2021 WL 4901811, at *4 (W.D. La. Oct. 5, 2021), report and

recommendation adopted, 2021 WL 4900996 (W.D. La. Oct. 20, 2021)

(dismissing plaintiff’s ADA claims for damages); Stuart v. Forest Animal

Hosp., No. 12-37, 2012 WL 12915408, at *1 (S.D. Miss. Sept. 4, 2012)

(granting defendant’s motion to dismiss because Title III of the ADA “limits

the remedy of a private claim to injunctive relief[,] and plaintiff’s only claim

is for compensatory damages”).

Moreover, even if plaintiffs had requested injunctive relief, Chase

contends that Ms. Fields lacks standing to pursue her ADA claim because she

has not shown any intention to travel to the bank in the future.44 The

requirement that a party have standing to bring suit flows from Article III of

the Constitution, which limits the scope of the federal judicial power to the

adjudication of “cases” or “controversies.” U.S. Const. art. III, § 2. Standing

44 R. Doc. 15-2 at 12.

consists of three elements: (1) the plaintiff must have suffered an “injury-in-

fact,” which is an “actual or imminent” invasion of a legally protected interest

that is “concrete and particularized;” (2) the injury must be “fairly traceable”

to the challenged conduct of the defendant; and (3) it must be likely that

plaintiff’s injury will be redressed by a favorable judicial decision. Lujan v.

Defs. of Wildlife, 504 U.S. 555, 560 (1992).

In order to establish standing for injunctive relief, “a plaintiff must face

a threat of present or future harm.” Plumley v. Landmark Chevrolet, Inc.,

122 F.3d 308, 312 (5th Cir. 1997). Allegations of past wrongs, by themselves,

do not “amount to that real and immediate threat of injury necessary to make

out a case or controversy.” Armstrong v. Turner Indus., Inc., 141 F.3d 554,

563 (5th Cir. 1998). Instead, a plaintiff seeking injunctive relief for alleged

past wrongs “must show that there is a real or immediate threat that he will

be wronged again.” Id. (citing City of Los Angeles v. Lyons, 461 U.S. 95, 111

(1983)); see also Frame v. City of Arlington, 657 F.3d 215, 235-36 (5th Cir.

2011) (en banc) (“Article III standing requires a plaintiff seeking injunctive

relief to allege ‘actual or imminent’ and not merely ‘conjectural or

hypothetical’ injury.”).

The Fifth Circuit has further held that “a disabled individual need not

engage in futile gestures before seeking an injunction; the individual must

show only that [the alleged barrier] actually affects his activities in some

concrete way.” Frame, 657 F.3d at 236 (finding that plaintiffs had “alleged

in detail how specific inaccessible sidewalks negatively affect their day-to-

day lives by forcing them to take longer and more dangerous routes to their

destinations,” and that these allegations were sufficient to support

standing).45 Other sections of this Court have further found that “plaintiffs

may demonstrate an injury in fact if they are unable to visit a particular place

or participate in a particular activity in the future, and they have done so in

the past . . . and intend[] to visit in the near future.” Tatum v. Bd. of Supe’rs

for Univ. of La. Sys., 9 F. Supp. 3d 652, 656 (E.D. La. 2014) (Africk, J.) (citing

Friends of the Earth, Inc. v. Laidlaw Envtl. Servs., Inc., 528 U.S. 167

(2000)); see also Smith, 2019 WL 296860, at *4 (Barbier, J.).

Here, Ms. Fields fails to allege facts sufficient to show an injury-in-fact-

namely that there is a “real and immediate threat” of repeated injury.

Plumley, 122 F.3d at 312. Specifically, Ms. Fields has not alleged that Chase’s

refusal to accept a limited power of attorney would “negatively affect [her]

day-to-day life.” Frame, 657 F.3d at 236. For example, Ms. Fields does not

45 Although the Fifth Circuit in Frame was addressing standing under

Title II of the ADA, Title II’s “standing analysis derives from Title III

cases.” Cohan v. TMBC, LLC, No. 18-1072, 2019 WL 2169185, at *2 n.3

(M.D. La. May 17, 2019).

allege that she has ever visited this bank in the past, nor that she has any

intention of doing so in the future. Although Ms. Fields is not required to

state a specific time or reason for visiting the bank in the future, her risk of a

future injury is too speculative unless she is “‘able and ready’ to visit the

facility once it is made compliant.” See Betancourt v. Federated Dep’t

Stores, 732 F. Supp. 2d 693, 709 (W.D. Tex. 2010) (“Thus, any disabled

plaintiff who alleges an intent to return can demonstrate a non-speculative

injury sufficient for injunctive relief under the ADA.”). Plaintiffs’ complaint

fails to plausibly allege that she has any intention of visiting a Chase bank in

the future or that there is any reason to believe that she would directly benefit

from an injunction. To the contrary, as detailed in the complaint, Ms. Fields

is not a customer at Chase, has an account at a different bank, and does not

live near a Chase bank.46 Compare Cohan, 2019 WL 2169185, at *2 (holding

that an ADA plaintiff lacked standing to sue a store because “he lives 800

miles away, has visited the store once, and has identified no non-litigious

reason to revisit it”); Kennedy v. Solano, 735 F. App’x 653, 655-56 (11th Cir.

2018) (per curiam) (holding that plaintiff lacked standing to sue a restaurant

for injunctive relief because she did not live in “close proximity” to the

restaurant, and had patronized the restaurant only once before bringing

46 R. Doc. 4-1 at 7.

suit), with Tatum, 9 F. Supp. 3d at 657 & n.16 (holding that plaintiff had

adequately alleged an injury in fact because the plaintiff had “visited the

Arena before and intends to visit in the near future,” and because “plaintiff

and the Arena are located in the same parish”), Smith, 2019 WL 296860, at

*5 (holding that plaintiff had standing to seek injunctive relief because “she

has expressed an affirmative intention to visit the hospital again in the future

given that her child was born there and she lives in close proximity”).

Thus, plaintiffs’ ADA claim is dismissed on the grounds that it seeks

relief that is unavailable under the statute. Further, even if Ms. Fields sought

relief that was statutorily available, she would be unable to establish

standing. Accordingly, because an amendment for injunctive relief would be

futile, Ms. Fields’s ADA claim is dismissed with prejudice, and without leave

to amend.

F. State-Law Claims

The Court is not able to discern from plaintiffs’ filings the basis for any

state-law claims. Although the complaint alleges that “Chase Bank placed a

hold on Mrs. Evie Fields and the Legal Document Specialist L.L.C. funds and

then closed the business account,” and that these actions were “illegal,” it

provides no other reference to or information about a state cause of action.47

In their opposition, plaintiffs assert that the Legal Document Specialist LLC

“should be a party to the lawsuit” because of its interest in plaintiffs’ alleged

state-law claims.48 Plaintiffs further allege that defendants placed an

“illegal” hold on the Company’s funds, and that its deposit account

agreement with Chase is unconstitutional.49

Given the lack of any plausible allegations of a state-law cause of action,

any purported state-law claims cannot survive a motion to dismiss. Further,

to the extent that plaintiffs are seeking relief on behalf of a non-party, the

Company, they lack standing to do so. Plaintiffs have not amended their

complaint to add the Company as a party, nor have they obtained the Court’s

leave to amend their complaint. They instead seek to add a party in their

opposition to Chase’s motion to dismiss. But it “is axiomatic that a complaint

cannot be amended by briefs in opposition to a motion to dismiss.” Pullins,

512 F. Supp. 3d at 654 & n.24 (collecting cases).

Under Rule 15(a)(1), a plaintiff may amend the complaint once, as a

matter of course, “within 21 days of serving it,” or within 21 days of a

responsive pleading or motion under Rule 12(b), (e), or (f). After that period,

47 Id. at 7.

48 R. Doc. 36 at 10-11.

49 Id. at 11.

as is the case here, a party may “amend its pleadings only with the opposing

party’s consent or the court’s leave.” Fed. R. Civ. P. 15(a)(2). Although leave

to amend “shall be freely given when justice of requires,” it “is by no means

automatic,” and the decision “lies within the sound discretion of the district

court.” Parish v. Frazier, 195 F.3d 761, 762 (5th Cir. 1999). Because

plaintiffs have not sought leave to amend their complaint to add a party, their

attempted claims on behalf of the Legal Document Specialist, LLC, which

remains a non-party to this litigation, must be dismissed. The Court grants

plaintiffs leave to amend to state a plausible basis for any purported state-

law claims and to add the Legal Document Specialist, LLC as a plaintiff.

IV. CONCLUSION

For the foregoing reasons, the Court GRANTS Ms. Boudreaux’s motion

to dismiss for insufficient service of process.50 Plaintiffs’ claims against Ms.

Boudreaux are DISMISSED WITHOUT PREJUDICE.

The Court also GRANTS Chase’s motion to dismiss for failure to state

a claim.51 The Court DISMISSES WITHOUT PREJUDICE plaintiffs’ section

1981 claim and state-law claims. Plaintiffs must file any amended complaint

50 R. Doc. 16.

51 R. Doc. 15.

within twenty-one days of this Order. Plaintiffs’ claims under section 1983,

the Equal Protection Clause, Title VII, and the Americans with Disabilities

Act are DISMISSED WITH PREJUDICE.

New Orleans, Louisiana, this _16th day of June, 2022.

bern k Vaner

SARAH S. VANCE

UNITED STATES DISTRICT JUDGE

30