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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