Opinion

Opinion

Court
District Court, W.D. Oklahoma
Filed
Mar 10, 2026
Cited by
0 cases
Authority
More cited than 39.2%

despite insurance agent’s prior assertions of immediate coverage, insured was bound to terms in insurance contract where he signed document that clearly stated certain conditions must be met before coverage came into effect

How later courts described this case

  • despite insurance agent’s prior assertions of immediate coverage, insured was bound to terms in insurance contract where he signed document that clearly stated certain conditions must be met before coverage came into effect
  • warranty disclaimer was considered a material alteration and thus not part of contract between parties because defendant did not mention the disclaimer until it sent an invoice to plaintiff after plaintiff’s first payment
  • “In order to be an ‘aggrieved consumer’ who can maintain a private right of action under the OCPA, the plaintiff must establish actual damages, which requires more than simply purchasing a product whose labeling violates the OCPA.”
  • breach of contract claim available against plaintiff’s attorneys

Written by the judges who cited it.

The opinion

UNITED STATES DISTRICT COURT

WESTERN DISTRICT OF OKLAHOMA

HOUTS LAW PLLC., )

)

Plaintiff, )

v. ) Case No. CIV-25-1325-R

)

AMSTERDAM PRINTING & LITHO )

INC., )

)

Defendant. )

ORDER

Before the Court is Defendant Amsterdam Printing & Litho Inc.’s Motion to

Dismiss [Doc. No. 8] Plaintiff Houts Law PLLC’s Complaint1 [Doc. No. 1-1]. Plaintiff

filed a Response [Doc. No. 11], Defendant Replied [Doc. No. 16], and Plaintiff filed a Sur-

Reply [Doc. No. 19]. The matter is now at issue.

BACKGROUND2

The facts as alleged are as follows: Defendant mailed an Order Form for custom-

printed pens to Plaintiff’s business address. Compl., ¶ 5. According to Plaintiff, the Order

Form constituted Defendant’s Offer to sell a large quantity of pens to Plaintiff. Id. ¶ 6.

Specifically, the Order Form3 included a “Pricing and Product Information” section which

1 This action was removed to federal court in November of 2025 [Doc. No. 1]. In

accordance with this District’s nomenclature, the Court will refer to the Petition [Doc. No.

1-1] as the Complaint.

2 When reviewing a motion to dismiss brought under Rule 12(b)(6) of the Federal Rules of

Civil Procedure, the Court “take[s] the facts in the complaint as true . . . and [ ] views such

facts in the light most favorable to the plaintiff[.]” Knellinger v. Young, 134 F.4th 1034,

1042 (10th Cir. 2025) (internal citations and quotation marks omitted).

3 When ruling on a 12(b)(6) motion, “[i]n addition to the complaint, the district court may

consider documents referred to in the complaint if the documents are central to the

indicated that the Form was an order for 400 pens, at a sale price of $1.32 each, amounting

to a “Total Price” of $528.00. Id.; Doc. No. 8-1. Below the Pricing and Product Information

section were two paragraphs stating, among other things:

• “Order Information: Machine Set-Up, Shipping & Handling, Over-Runs & Sales

Tax charges additional, where applicable. Additional charges may apply. . . . Offers

and Pricing subject to change without notice”; and

• “Amsterdam is required by law to collect sales tax on orders shipped to applicable

states. In addition, your purchase is not exempt from sales or use tax merely because

it is made over the Internet or by other remote means. . . . For more information go

to AmsterdamPrinting.com/tax.”

Id. The Order Form did not, however, list the amount of sales tax or other fees that might

be applied to Plaintiff’s Order.

Plaintiff alleges it accepted the Offer by filling the Order Form out with its credit

card information and mailing it back to Defendant. Compl., ¶ 7. Plaintiff received the pens

two weeks later, but Defendant charged Plaintiff’s credit card in the amount of $623.89—

$95.89 more than the “Total Price” quoted on the Order Form. Id. ¶¶ 9-10. Despite

Plaintiff’s card having already been charged, Defendant sent Plaintiff two invoices for

$623.89 and never notified Plaintiff that the invoice had been satisfied. Id. ¶¶ 11-13. After

speaking with Defendant’s customer service line, Plaintiff’s managing partner learned

Defendant’s behavior was its usual manner of conducting business. Id. ¶ 14.

plaintiff’s claim and the parties do not dispute the documents’ authenticity.” Jacobsen v.

Deseret Book Co., 287 F.3d 936, 941 (10th Cir. 2002). The Order Form is central to

Plaintiff’s claims and Plaintiff included a copy of the Order Form with its Complaint [Doc.

No. 1-1]. Defendant filed a more legible version of the Order Form, the authenticity of

which is not disputed by Plaintiff [Doc. No. 8-1]. The Court therefore properly considers

the Order Form in ruling on this Motion and will cite to the copy of the Order Form

provided by Defendant.

Plaintiff thereafter brought this class action lawsuit against Defendant, asserting

claims for breach of contract, fraud, violations of the Oklahoma Consumer Protection Act,

and unjust enrichment and seeking declaratory, injunctive, and monetary relief. Defendant

moves to dismiss each of Plaintiff’s claims.

LEGAL STANDARD

Dismissal under Rule 12(b)(6) is proper when a complaint fails “to state a claim

upon which relief can be granted.” FED. R. CIV. P. 12(b)(6). “To survive a Rule 12(b)(6)

motion, the complaint ‘must contain sufficient factual matter, accepted as true, to state a

claim to relief that is plausible on its face.’” Brown v. City of Tulsa, 124 F.4th 1251, 1263

(10th Cir. 2025) (quoting Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009)). And while the Court

“must accept the truth of all properly alleged facts and draw all reasonable inferences in

the plaintiff’s favor, the plaintiff still ‘must nudge the claim across the line from

conceivable or speculative to plausible.’” Id. (quoting Brooks v. Mentor Worldwide LLC,

985 F.3d 1272, 1281 (10th Cir. 2021)). “Mere ‘labels and conclusions’ or ‘a formulaic

recitation of the elements of a cause of action’ will not suffice.” Id. (quoting Bell Atl. Corp.

v. Twombly, 550 U.S. 544, 570 (2007)).

DISCUSSION

I. Breach of Contract

Plaintiff alleges Defendant breached the Order Form contracts by collecting fees

greater than the amounts agreed to by Plaintiff and class members. Defendant argues

Plaintiff cannot state a breach of contract claim because the Order Form informed

customers additional taxes and fees may apply to the “Total Price” listed.

Plaintiff argues that the contract closed (thereby locking in the $528 Total Price)

when Plaintiff accepted Defendant’s Offer by mailing in the Order Form.4 According to

Plaintiff, Defendant thereafter charging a greater amount to Plaintiff’s card than the amount

listed in the “Total Price” section of the Order Form was an improper unilateral alteration

of the contract terms amounting to a breach of contract. See, e.g., Old Albany Ests., Ltd. v.

Highland Carpet Mills, Inc., 604 P.2d 849, 852-53 (Okla. 1979) (warranty disclaimer was

considered a material alteration and thus not part of contract between parties because

defendant did not mention the disclaimer until it sent an invoice to plaintiff after plaintiff’s

first payment); Lively v. IJAM, Inc., 114 P.3d 487, 491-93 (Okla. Civ. App. 2005) (forum

selection clause was not part of computer sale contract where plaintiff paid for the computer

before it was shipped and a contract existed before plaintiff opened computer box and

found invoice containing the forum selection clause).

The cases cited by Plaintiff would have a greater bearing on the allegations here if

Plaintiff was only informed of the potential for additional fees after it signed and sent the

Order Form and/or Defendant shipped the pens. But here, the terms informing Plaintiff that

the Total Price was subject to taxes and fees were present on the one-page Order Form

when Plaintiff received it, signed it, and mailed it back to Defendant.

“[U]nder Oklahoma law, ‘[a] person signing an instrument is presumed to know its

contents, and one in possession of his faculties and able to read and understand, and having

4 Defendant does not meaningfully dispute Plaintiff’s characterization of what constituted

the Offer and Acceptance in this matter. The Court will therefore operate, for purposes of

this Motion, under the assumption that Defendant mailing the Order Form to Plaintiff was

the Offer and Plaintiff mailing it back was the Acceptance.

an opportunity to read a contract which he signs, if he neglects and fails to do so, cannot

escape its liability.’” Hardrick v. David Stanley Dodge, LLC, No. CIV-15-540-C, 2015 WL

13573979, at *2 (W.D. Okla. June 4, 2015) (quoting Mayfield v. Fid. State Bank of

Cleveland, 249 P. 136, 136 (Okla. 1926)).

“It will not do for a man to enter into a contract, and, when called upon to

respond to its obligations, to say that he did not read it when he signed it, or

did not know what it contained. If this were permitted, contracts would not

be worth the paper on which they are written. But such is not the law.”

Mayfield, 249 P. at 136 (quoting Ozark States Tr. Co. v. Winkler, 202 P. 12, 16 (Okla.

1921)). Plaintiff does not allege it lacked the opportunity or ability to read and understand

the terms of the Order Form. It cannot escape liability for the additional fees to which the

Total Price was subject to—and which the Order Form informed Plaintiff of—by framing

this dispute as an issue of Defendant’s “unilateral alteration” of the contractual terms. The

terms were apparent from the start: the Total Price of the pens was $528, subject to

additional taxes and fees.

Plaintiff insists, however, that interpreting the Order Form to allow Defendant to

charge more than the listed “Total Price” fails to read the contract as a whole. The Court

disagrees. “A contract is to be construed as a whole, giving effect to each of its parts, and

not construed so as to make a provision meaningless, superfluous or of no effect.”

McGinnity v. Kirk, 362 P.3d 186, 199 (Okla. 2015). The Order Form, as the contract,

included both the “Total Price” term and the terms informing Plaintiff additional fees may

apply. Construing the contract as a whole, the Court would be hard-pressed to state that the

terms stating additional fees may apply are meaningless. To focus solely on the Total Price

would be to render the Order Form’s other provisions of no effect.

Finally, Plaintiff claims that if Defendant may charge extra fees, nothing could stop

it from charging Plaintiff anything from $95.89 to $95 million extra. The Court cannot

credit this assertion, at least under these circumstances. Defendant itself points to

Oklahoma’s Commercial Code, which provides that when a price in a contract for sale is

unsettled, such a price is to be fixed in good faith by the appropriate party. OKLA. STAT.

tit. 12A, § 2-305.

“The court will not interfere with the contract of parties in the absence of fraud,

duress, undue influence or mistake.” Thompson, Next Friend of Hughes v. Heartway Corp.,

579 P.3d 622, 633-34 (Okla. 2025) (quoting Barnes v. Helfenbein, 548 P.2d 1014, 1021

(Okla. 1976)). Plaintiff has failed to offer a satisfactory rebuttal for Oklahoma law’s

presumption that a party signing a contract is presumed to know its contents and therefore

to be bound by them.5 Though there may be other grounds for alleging Defendant

wrongfully charged Plaintiff an extra $95.89 for its pens, Plaintiff has not convinced this

Court that breach of contract is one of them. Accordingly, Plaintiff’s breach of contract

claim against Defendant is DISMISSED.

5 The parties briefly discuss the counterfactual interpretation that Plaintiff sending the

Order Form back to Defendant constituted the Offer. But whether Plaintiff signing and

sending the form constitutes the Offer or the Acceptance, the terms informing Plaintiff that

additional fees might apply were present on the Order Form when Plaintiff filled it out with

its credit card information and sent it back to Defendant. Plaintiff is presumed to have

known of the additional terms when it signed the Form.

II. Fraud/Fraudulent Inducement

Plaintiff next argues Defendant committed fraud by making material

misrepresentations on the Order Form. The elements of actionable fraud are:

1) a false material misrepresentation, 2) made as a positive assertion which

is either known to be false or is made recklessly without knowledge of the

truth, 3) with the intention that it be acted upon, and 4) which is relied on by

the other party to his (or her) own detriment.

Bowman v. Presley, 212 P.3d 1210, 1218 (Okla. 2009). A showing of fraud can overcome

the presumption that “someone who signs an agreement is presumed to know its contents

and one with an opportunity to read the contract which he signs cannot escape liability

under the contract.” Chaney v. Chevrolet, 350 P.3d 170, 172-73 (Okla. Civ. App. 2015)

(citing Mayfield, 249 P. 136; Dusbabek v. Bowers, 43 P.2d 97 (Okla. 1934)).

In its Response, Plaintiff introduces for the first time its theory that by making the

material misrepresentation of a Total Price of only $528, Defendant fraudulently induced

Plaintiff to provide its credit card information.6 Defendant argues it made no

6 To support its argument, Plaintiff cites Parks v. AT&T Mobility, LLC, No. CIV-09-212-

D, 2011 WL 102543 (W.D. Okla. Jan. 12, 2012). The Parks plaintiff pleaded that

defendants, computer and internet service sellers with technical knowledge an average

customer would not possess, failed to disclose material information needed to determine

the true costs associated with their product and service. Id. at *1. The Court found such

allegations sufficient to state a claim of constructive fraud, based on the theory that the

defendants failed to disclose information they had a duty to disclose. Id. at *3. Here, neither

the Complaint nor the Response posit a constructive fraud theory of relief against

Defendant or assert that Defendant owed a duty of disclosure to Plaintiff. The Court will

thus not entertain Plaintiff’s arguments of constructive fraud—making Parks somewhat

inapposite with respect to Plaintiff’s fraud claim.

misrepresentations regarding the Total Price because the Order Form stated the Total Price

was subject to change without notice.

As an initial matter, the Court notes the Complaint fails to explicitly raise Plaintiff’s

assertions of fraudulent inducement. But even putting that aside, the Court finds the

Complaint does not plausibly allege fraudulent inducement. Courts have found fraudulent

inducement where the defendant physically concealed contractual terms from or made

misrepresentations about contractual terms to the plaintiffs. Compare Chaney, 350 P.3d at

173 (indicating fraudulent inducement may have occurred where car salesmen “described

to [plaintiffs] the contents and purpose of the purchase agreement” but allegedly left out

all reference to arbitration agreement included in the terms), with Silk v. Phillips Petroleum

Co., 760 P.2d 174, 178 (Okla. 1988) (plaintiff failed to state fraud claim where there was

no evidence defendant made representations about a written agreement’s contents when

presented for signature).

Plaintiff has failed to sufficiently allege Defendant concealed or misrepresented the

terms informing it that additional fees could apply to the stated Total Price. The Total Price

was listed as $528, yes. But the Order Form included terms stating such amount was subject

to change. Plaintiff has not alleged that Defendant made any other representations about

the Order Form’s contents and has thus failed to adequately plead a claim for fraudulent

inducement.

Moreover, even if Defendant had made a misrepresentation, Plaintiff has failed to

plead its justifiable reliance upon it. “An action for fraud may not be predicated on false

statements when the allegedly defrauded party could have ascertained the truth with

reasonable diligence.” Silver v. Slusher, 770 P.2d 878, 881 n.8 (Okla. 1988) (citations

omitted). “‘Where the means of knowledge are at hand and equally available to both

parties, and the subject of purchase is alike open to their inspection, if the purchaser does

not avail himself of these means and opportunities, he will not be heard to say that he had

been deceived by the vendor’s misrepresentations.’” Id. (quoting Nowka v. West, 186 P.

220, 223 (Okla. 1919)).

Plaintiff’s allegations indicate it could have ascertained the truth with reasonable

diligence. The terms stating the possibility for such a higher charge were mere inches away

from the Total Price term. Plaintiff had the means of knowledge at hand to learn the Total

Price was subject to additional fees. The Court will not now hear Plaintiff to say it was

deceived by Defendant’s Total Price term.

“One in possession of his faculties, being able to read, and having the opportunity

to read an instrument which he signs will not be relieved therefrom merely because he did

not in fact read the contract.” Jordan v. Hall-Miller Drilling Co., 203 F.2d 443, 446 (10th

Cir. 1953); see also Wilson v. Mass. Indem. & Life Ins. Co., 920 F.2d 1548, 1551-52 (10th

Cir. 1990) (despite insurance agent’s prior assertions of immediate coverage, insured was

bound to terms in insurance contract where he signed document that clearly stated certain

conditions must be met before coverage came into effect). Perhaps Plaintiff read the terms

of the Order Form prior to mailing it to Defendant, perhaps it did not. Either way, Plaintiff

had an opportunity to read the Order Form’s language stating the Total Price was subject

to change without notice. Plaintiff has failed to plead its justifiable reliance on the Total

Price term.

The absence of any element of fraud “is fatal to recovery.” Steiger v. Com.

Acceptance of Okla. City, Inc., 455 P.2d 81, 86 (Okla. 1969). Plaintiff has failed to plead

both a misrepresentation by Defendant and Plaintiff’s justifiable reliance on such alleged

misrepresentation. Accordingly, Plaintiff’s fraud claim is DISMISSED.7

III. Oklahoma Consumer Protection Act

Plaintiff next asserts claims against Defendant for violations of the Oklahoma

Consumer Protection Act, OKLA. STAT. tit. 15, § 751 et seq.

[T]he four elements of a consumer’s private action under the OCPA are: (1)

that the defendant engaged in an unlawful practice as defined at [OKLA.

STAT. tit. 15, § 753]; (2) that the challenged practice occurred in the course

of defendant’s business; (3) that the plaintiff, as a consumer, suffered an

injury in fact; and (4) that the challenged practice caused the plaintiff’s

injury.

Patterson v. Beall, 19 P.3d 839, 846 (Okla. 2000).

First, Plaintiff alleges Defendant violated the OCPA by committing deceptive and

unfair trade practices. Pursuant to § 753(20), a person violates the OCPA when he or she

7 The parties devote part of their briefing to the issue of whether Plaintiff’s fraud claim is

sufficiently distinct from its breach of contract claim. “Where a party sues on a theory of

breach of contract, it cannot also bring a claim alleging fraud unless the tortious act is

sufficiently independent of the breach of contract.” McGregor v. Nat’l Steak Processors,

Inc., No. 11-CV-0570-CVE-TLW, 2012 WL 314059, at *3 (N.D. Okla. Feb. 1, 2012)

(quotation omitted). “Simultaneous pursuit of fraud and breach of contract claims can be

appropriate where ‘the formation of a contract is premised upon an intentionally deceptive

promise to act, i.e., fraud in the inducement of a contract.’” T.D. Williamson, Inc. v. Lincoln

Elec. Automation, Inc., No. 21-CV-153-GKF-JFJ, 2022 WL 16842907, at *6 (N.D. Okla.

Jan. 21, 2022) (quoting Atkinson, Haskins, Nellis, Brittingham, Gladd & Fiasco, P.C. v.

Oceanus Ins. Grp., No. 13-CV-762-JED-PJC, 2014 WL 3891267, at *5 (N.D. Okla. Aug.

7, 2014)). The parties did not brief whether dismissal of Plaintiff’s contract claim would

render such arguments moot, and the Court therefore will not discuss whether the two

claims are insufficiently distinct.

“[c]ommits an unfair or deceptive trade practice as defined in Section 752.” Section 752

defines a deceptive trade practice as “a misrepresentation, omission or other practice that

has deceived or could reasonably be expected to deceive or mislead a person to the

detriment of that person.” OKLA. STAT. tit. 15, § 752(13). An unfair trade practice is

defined as “any practice which offends established public policy or if the practice is

immoral, unethical, oppressive, unscrupulous or substantially injurious to consumers.”

OKLA. STAT. tit. 15, § 752(14).

Defendant argues Plaintiff has not specified what “unfair” or “deceptive” trade

practices Defendant engaged in, thus failing to state a claim under Federal Rule of Civil

Procedure 8. Indeed, Plaintiff’s OCPA claims consist only of (1) a paragraph incorporating

the Complaint’s foregoing allegations, (2) an enumeration of various OCPA provisions,

and (3) an assertion that Defendant’s actions violate those provisions.

Some courts in this district have found “mere recitation of the statutory language

without specification of the alleged unfair trade practices is insufficient to satisfy the notice

pleading standard of FED. R. CIV. P. 8.” In re Gen. Motors Corp., No. MDL 04-1600, 2005

WL 1924335, at *3 (W.D. Okla. Aug. 8, 2005). But other courts have found incorporation

of facts alleged in the Complaint sufficient to plead OCPA violations. For example, in

Parks, the plaintiff asserted a claim for constructive fraud against defendants, claiming

defendants’ advertising and documents concealed rate and usage information that would

have allowed her to anticipate charges she might incur when buying a computer and

subscribing to a wireless internet service agreement. Parks, 2011 WL 102543, at *1.

Plaintiff’s OCPA claims incorporated her fraud allegations and asserted such allegations

constituted deceptive and unfair trade practices. Id. The Court found that

[b]y incorporating paragraphs 7-39 of the Amended Complaint in Count II,

Plaintiff demonstrates that she intends to rely on the same factual allegations

provided in support of her fraud claim to establish that Defendants’ conduct

violated the Act. . . . Plaintiff identifies the facts on which she relies to

establish Defendants made a material omission of information that deceived

and reasonably could be expected to deceive a consumer. Plaintiff also

describes in sufficient detail Defendants’ practices that she believes were

unscrupulous and substantially injurious to consumers. In short, without

expressing any view of the merits of Plaintiff’s claim, the Court finds that

Plaintiff has provided sufficient factual allegations to demonstrate a violation

of the Act.

Id. at *4. See also McAlister v. Ford Motor Co., No. CIV-14-1351-D, 2015 WL 4775382,

at *4 (W.D. Okla. Aug. 13, 2015) (plaintiff’s allegations that defendant concealed a

defective engine from purchasers and acted contrary to public policy of vehicle safety by

selling defective vehicles were minimally sufficient to allege defendant’s unfair and

deceptive trade practices).

Though the section of Plaintiff’s Complaint devoted to Defendant’s alleged OCPA

violations is admittedly sparse, the Court’s task is to consider the complaint’s allegations

“as a whole.” Clinton v. Sec. Benefit Life Ins. Co., 63 F.4th 1264, 1275 (10th Cir. 2023)

(citations omitted). And because “the OCPA is remedial in nature it is to be liberally

construed to effectuate its underlying purpose.” Patterson, 19 P.3d at 846. That purpose is

to “‘protect consumers from unfair and deceptive trade practices and,’ to that end,

‘provide[] a private right of action for aggrieved consumers.’” Horton v. Bank of Am., N.A.,

189 F. Supp. 3d 1286, 1291 (N.D. Okla. 2016) (quoting Williams v. CSC Credit Servs.,

Inc., No. 07-CV-0255-CVE-FHM, 2007 WL 1959219, at *1 (N.D. Okla. June 29, 2007)).

Accepted as true for purposes of the instant Motion (and the instant Motion alone),

Plaintiff’s allegations of Defendant’s unfair and deceptive trade practices are minimally

sufficient to avoid dismissal. The Court can reasonably infer Defendant engaged in

deceptive trade practices by including a statement that proclaims the Total Price to be one

thing while including in smaller text terms that contradict that proclamation. The Total

Price term could have deceived Plaintiff into believing it would only be charged $528.8

And the Court can infer such conduct by Defendant could be found unethical or against

public policy in some manner.9

“Many state consumer protection statutes do not specifically define what constitutes

an unfair trade practice but instead provide broad protection and leave it to the courts to

determine whether specific conduct qualifies.” Patterson, 19 P.3d at 847 (citing Donald

M. Zupanec, Annotation, Practices Forbidden by State Deceptive Trade Practices and

Consumer Protection Acts, 89 A.L.R. 3d 449 (1979 & Supp. 2000)). In keeping with the

OCPA’s broad construction, the Court finds Plaintiff has adequately alleged Defendant’s

8 “[T]he OCPA simply requires that the subject misrepresentation ‘has deceived or could

reasonably be expected to deceive or mislead a person. . . .’” Mak v. Dunham, No. CIV-

24-248-SLP, 2025 WL 2078735, at *5 (W.D. Okla. July 23, 2025) (quoting OKLA. STAT.

tit. 15, § 752(13)); see also id. (quoting Hampton v. Gen. Motors LLC, No. 21-CV-250-

RAW, 2024 WL 2180102, at *10 (E.D. Okla. May 13, 2024), report and recommendation

adopted, No. CIV-21-250-RAW, 2024 WL 4307185 (E.D. Okla. Sep. 26, 2024) (“‘[T]he

OCPA does not have as an element the requirement of reliance, much less justifiable

reliance.’”).

9 In making the foregoing statements, the Court does not provide any indication as to the

merits of Plaintiff’s claims.

violations of the OCPA by virtue of committing unfair and/or deceptive trade practices.10

Defendant’s Motion to Dismiss such claims is DENIED.

The same cannot be said for Plaintiff’s other OCPA claims. Plaintiff alleges

Defendant has engaged in the following practices which constitute violations of the OCPA:

• “Knowingly caus[ing] a charge to be made by any billing method to a

consumer for services which the person knows was not authorized in advance

by the consumer”;

• “Knowingly caus[ing] a charge to be made by any billing method to a

consumer for a product or products which the person knows was not

authorized in advance by the consumer.”

OKLA. STAT. tit. 15, § 753(26), (27). There is a dearth of case law discussing § 753(26) and

(27) and the parties devote a minimal portion of their briefing to these provisions.

In any event, Plaintiff has failed to include any allegations related to Defendant’s

knowledge of Plaintiff’s lack of authorization for additional fees. Compare with Cates v.

Integris Health, Inc., 412 P.3d 98, 103-04 (Okla. 2018) (finding plaintiff pleaded a

“conceivable set of facts by which she could establish that she did not consent to the

relevant charges and that Integris knew that when it billed her” where plaintiff alleged her

contract with Integris prevented Integris from billing her “unless it first submits the charges

to her insurer for review”). Unlike in Cates, Plaintiff has not pleaded any such agreement

or understanding between the parties that Defendant would further inform Plaintiff of the

additional fees before charging them to Plaintiff’s credit card. The Order Form’s terms

stated the Total Price was subject to additional fees where applicable—Plaintiff signed the

10 The Court finds it important to state, once more, that in making such a statement is

provides no indication of its view of the merits of Plaintiff’s OCPA allegations.

Order Form and sent it to Defendant. Plaintiff has not alleged any facts which might

indicate Defendant knew Plaintiff had not authorized the charging of additional fees.

Based on the allegations as is, the Court cannot find Plaintiff has adequately pleaded

violations of § 753(26) and (27) under Rule 8. See Toevs v. Reid, 267 Fed. App’x 817, 818-

19 (10th Cir. 2008) (unpublished) (citation and internal quotation marks omitted)

(indicating Rule 8 “establishes a ceiling (the complaint must be no more than ‘a short and

plain statement’) and not a floor (the complaint must at least be a ‘short and plain

statement’”)). Plaintiff’s OCPA claims pursuant to § 753(26) and (27) are therefore

DISMISSED.

Finally, Defendant argues Plaintiff lacks standing to bring its OCPA claims. Actual

damages are a necessary element of an OCPA claim. OKLA. STAT. tit. 15, § 761.1(A) (“[A]

violation of the Consumer Protection Act shall render the violator liable to the aggrieved

consumer for the payment of actual damages sustained by the customer . . . .”). However,

“a person may not bring an action as an aggrieved consumer under § 761.1(A) solely as a

result of his or her payment of the purchase price for that product.” Walls v. Am. Tobacco

Co., 11 P.3d 626, 630 (Okla. 2000); see also Sisemore v. Dolgencorp, LLC, 212 F. Supp.

3d 1106, 1109-10 (N.D. Okla. May 11, 2016) (“In order to be an ‘aggrieved consumer’

who can maintain a private right of action under the OCPA, the plaintiff must establish

actual damages, which requires more than simply purchasing a product whose labeling

violates the OCPA.”).

Defendant argues Plaintiff’s only claimed injury is the $623.89 it paid for the

customized pens—which, in Defendant’s opinion, is merely the purchase price. Plaintiff

disagrees, asserting the purchase price was, as stated on the Order Form, the Total Price of

$528. The additional $95.89 charged to Plaintiff’s credit card is, according to Plaintiff,

distinct from the purchase price of the pens.

At this stage, the Court lacks sufficient information regarding what can properly be

considered the “purchase price” of the pens. Plaintiff alleges Defendant’s unfair and

deceptive trade practices deceived it into paying an additional $95.89. Accepting Plaintiff’s

allegations as true, the Court finds this an adequate pleading of damages beyond the

purchase price of the pens. However, in making such a statement, the Court makes no

findings on what actually was the proper purchase price of the pens—$528 or $623.89 or

some other amount. The Court only states that at this point, it lacks information to

determine the actual purchase price of the pens. Thus, Plaintiff has stated a claim for

damages and, at this point, has standing to move forward with its surviving OCPA claims.

IV. Unjust Enrichment

Defendant argues Plaintiff’s claim for unjust enrichment is improper because it has

an adequate remedy at law for breach of contract. Plaintiff asserts Rule 8 permits it to plead

alternate theories of recovery. FED. R. CIV. P. 8(d)(2) (“A party may set out 2 or more

statements of a claim or defense alternatively or hypothetically.”).

Plaintiff is correct that a party may plead and pursue alternative theories of recovery,

and sometimes even both legal and equitable alternative claims, provided that double

recovery is not allowed. See Burlington N. & Santa Fe Ry. Co. v. Grant, 505 F.3d 1013,

1029-30 (10th Cir. 2007) (citing N.C. Corff P’ship v. OXY USA, Inc., 929 P.2d 288, 295

(Okla. Civ. App. 1996)); FED. R. CIV. P. 8(d)(2). However, it is equally true that to invoke

equity jurisdiction, it must be shown that no adequate statutory or legal remedy is available.

Billingsley v. North, 298 P.2d 418, 422 (Okla. 1956). Thus, “where the plaintiff has a plain,

speedy and adequate remedy at law equity will not intervene in his behalf.” Robertson v.

Maney, 166 P.2d 106, 108 (Okla. 1946).

Unjust enrichment is a form of equitable relief a court will not ordinarily exercise

its equitable jurisdiction to grant where the plaintiff has an adequate remedy at law. Harvell

v. Goodyear Tire & Rubber Co., 164 P.3d 1028, 1035 (Okla. 2006); Robinson v.

Southerland, 123 P.3d 35, 45 (Okla. Civ. App. 2005), cert. denied (Okla. 2005); Hydro

Turf, Inc. v. Int’l Fid. Ins. Co., 91 P.3d 667, 673 (Okla. Civ. App. 2004). Where an

enforceable express contract governs the parties’ relationship, quasi-contractual remedies

such as unjust enrichment are not available. See Member Servs. Life Ins. Co. v. Am. Nat’l

Bank & Tr. Co., 130 F.3d 950, 957-58 (10th Cir. 1997); Edwards v. Farmers Ins. Co., No.

08-CV-730-TCK-PJC, 2009 WL 4506218, at *4 (N.D. Okla. Nov. 24, 2009) (only if

defendants convince the Court or jury that no contract existed at the time of the plaintiff’s

loss is there the possibility of a need for a quasi-contractual remedy); AG Equip. Co. v. AIG

Life Ins. Co., No. 07-CV-0556-CVE-PJC, 2009 WL 223106, at *8 (N.D. Okla. Jan. 28,

2009) (party may allege equitable claim as alternative to contract-based claim but where

parties’ relationship is clearly governed by a contract, i.e., when one or the other party will

recover on its breach of contract claim, there is an adequate remedy at law and plaintiff

was entitled to summary judgment on counterclaim for equitable relief).

Unjust enrichment is a quasi-contractual claim. A claim for unjust

enrichment arises where one party fails to return money that, in equity and

good conscience, it should not be allowed to retain. See Harvell, 164 P.3d at

1035; French Energy Inc. v. Alexander, 818 P.2d 1234, 1237 (Okla. 1991).

In such instances, the law interposes an implied promise and exercises its

equitable jurisdiction to grant relief. There cannot, however, be an express

and an implied contract for the same thing existing at the same time. Jones

v. Univ. of Cent. Okla., 910 P.2d 987, 990 (Okla. 1995); Fox v. Cities Serv.

Oil Co., 200 P.2d 398, 400 (Okla. 1948). The express contract precludes the

existence of a contract implied by law or a quasi-contract. Jones, 910 P.2d at

990; see also Robinson, 123 P.3d 35. In the face of an express contract

between the parties, the court will not exercise its equitable jurisdiction to

restore the expectations of a party who contracted unwisely.

Simon v. Metro. Prop. & Cas. Ins. Co., No. CIV-08-1008-W, 2009 WL 10664188, at *4

(W.D. Okla. Feb. 23, 2009); see also Robinson, 123 P.3d at 45 (breach of contract claim

available against plaintiff’s attorneys).

Plaintiff’s claim for unjust enrichment is based upon the same contentions that

support its breach of contract claim. Neither party disputes the Order Form was a contract

governing the relationship between Plaintiff and Defendant. Because a contract governs

the parties’ relationship, the quasi-contractual remedy of unjust enrichment is not available.

Moreover, to invoke equity jurisdiction, it must be shown that no adequate statutory or

legal remedy is available, Billingsley, 298 P.2d at 422, and Plaintiff has not alleged or

shown that is the case. Plaintiff’s unjust enrichment claim is therefore DISMISSED.

V. Declaratory Relief

Defendant next moves to dismiss Plaintiff’s claim for declaratory relief, which asks

the Court to “declare that Defendant cannot unilaterally modify the terms of its contracts,

as evidenced by the Order Form or substantially similar forms, by subsequently charging

an amount in excess to the amount approved by the customer.” Compl., ¶ 50. Defendant

asserts this claim is duplicative of Plaintiff’s breach of contract and fraud claims and serves

no real purpose in the case.

District courts have “‘unique and substantial discretion’ in determining whether to

declare the rights of litigants.” United States v. City of Las Cruces, 289 F.3d 1170, 1179-

80 (10th Cir. 2002) (quoting Wilton v. Seven Falls Co., 515 U.S. 277, 286 (1995)). When

deciding whether to declare the rights of litigants, district courts in the Tenth Circuit apply

the factors announced in State Farm Fire & Cas. Co. v. Mhoon, 31 F.3d 979, 983 (10th

Cir. 1994):

(1) whether a declaratory action would settle the controversy; (2) whether it

would serve a useful purpose in clarifying the legal relations at issue; (3)

whether the declaratory remedy is being used merely for the purpose of

procedural fencing or to provide an arena for a race to res judicata; (4)

whether use of a declaratory action would increase friction between our

federal and state courts and improperly encroach upon state jurisdiction; and

(5) whether there is an alternative remedy that is better or more effective.

Golf Club, LLC v. Am. Golf. Corp., No. CIV-16-946, 2017 WL 1655259, at *2 (W.D. Okla.

May 2, 2017) (citation omitted). Where there is no parallel state litigation, the third and

fourth factors hold little to no relevance.

Courts have declined to hear claims for declaratory relief where the plaintiff “fails

to identify any issue for resolution by declaratory relief that cannot be resolved in the

context of its separate claim for breach of contract.” Id. at *2. To hear a declaratory

judgment claim in such circumstances would “serve[] no useful purpose and would not

settle the controversy.” Id. Here, like in Golf Club, the Court is presented with a largely

duplicative claim. See id. (where plaintiff’s declaratory judgment claim was duplicative of

its contract claim, the Court found factors weighed in favor of dismissal). Plaintiff has not

identified any issues for resolution by declaratory relief that have not already been resolved

in the context of its breach of contract claim.

Moreover, Plaintiff’s Response fails to adequately address the issue of duplicity

raised in Defendant’s Motion to Dismiss. Plaintiff devotes its briefing to arguing its claims

are not duplicative because an actual controversy exists between the two parties with

opposing interests. According to Plaintiff, this makes it proper for the Court to determine

the rights, status, or other legal relations of the parties pursuant to the Oklahoma

Declaratory Judgment Act, OKLA. STAT. tit. 12, § 1651, which states:

District courts may, in cases of actual controversy, determine rights, status,

or other legal relations, including but not limited to a determination of the

construction or validity of any . . . contract . . . . The determination may be

made either before or after there has been a breach of any legal duty or

obligation, and it may be either affirmative or negative in form and effect . .

. .

But Defendant does not dispute that a live controversy exists. Furthermore, § 1651 is

discretionary in nature—it states district courts may determine rights related to the validity

of a contract, not that they must. Plaintiff has failed to sufficiently demonstrate how a

declaratory judgment would not be duplicative of its breach of contract claim. Plaintiff’s

claim for a declaratory judgment is therefore DISMISSED.

VI. Punitive Damages and Injunctive Relief

Finally, Defendant asserts Plaintiff’s claims for punitive damages and injunctive

relief fail because each of Plaintiff’s substantive claims fail. However, because some of

Plaintiff’s OCPA claims survive, the Court will not, at this time, dismiss Plaintiff’s requests

for punitive damages and injunctive relief. Defendant’s Motion to Dismiss such requests

is therefore DENIED.

VII. Plaintiff’s Request for Leave to Amend

Plaintiff requests that it be provided leave to file an amended complaint should the

Court conclude Plaintiff has failed to state a claim under federal pleading standards. See

Eldridge v. Magic Vapor, LLC, No. CIV-20-0590-HE, 2020 WL 6479171, at *3 (finding

plaintiff’s state-court petition did not meet federal pleading standards but allowing the

filing of an amended complaint with such standards in mind). However, a party moving to

amend a pleading under FED. R. CIV. P. 15(a)(2) (as Plaintiff here does because it did not

file an amended pleading as of right pursuant to FED. R. CIV. P. 15(a)(1)) “must attach the

proposed pleading as an exhibit to the motion.” LCvR15.1; see also Johnson v. Spencer,

950 F.3d 680, 721 (10th Cir. 2020) (quotation omitted) (“[W]e have repeatedly held that a

bare request to amend in response to a motion to dismiss is insufficient to place the court

and opposing parties on notice of the plaintiff’s request to amend and the particular grounds

upon which such a request would be based.”).

Plaintiff’s request to amend is such a bare request. Accordingly, it is DENIED.

Should Plaintiff wish to amend, it may file a motion seeking leave to do so.

CONCLUSION

Accordingly, Defendant’s Motion to Dismiss is PARTIALLY GRANTED and

PARTIALLY DENIED. Plaintiff’s claims for breach of contract, fraud, unjust enrichment,

and declaratory relief are DISMISSED. Plaintiff’s OCPA claims pursuant to OKLA. STAT.

tit. 15, § 753(26) and (27) are DISMISSED. Defendant’s Motion to Dismiss Plaintiff’s

OCPA claims pursuant to OKLA. STAT. tit. 15, § 753(13) and (14) and requests for punitive

damages and injunctive relief is DENIED.

IT IS SO ORDERED this 10" day of March, 2026.

DAVID L. RUSSELL

UNITED STATES DISTRICT JUDGE

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This is a copy of a public record, reproduced as it was published. It is not legal advice, and it may not be the version a court would rely on. Check the official source before you cite it.

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