# Moore

> District Court, E.D. Tennessee · June 9, 2026

URL: https://www.frixlaw.com/law-library/cases/11342899

## Case

- **Full name:** Marilyn Moore et al., individually and on behalf of all others similarly situated v. Westgate Resorts, Ltd., et al.
- **Court:** District Court, E.D. Tennessee
- **Decided:** June 9, 2026
- **Opinion:** 100trialcourt
- **Cited by:** 0 later opinions in the Frix Law Library

## Citator (automated)

- No negative treatment found by the automated citator. That is not the same as a confirmation that the case is good law; read the citing cases.
- Full citator and citing cases: https://www.frixlaw.com/law-library/cases/11342899

## How later opinions describe it (automated extraction)

- recognizing that “actual . . . conformance with Rule 23(a)” is “indispensable”
- holding that the plaintiffs’ claims lacked commonality because the statements at issue varied, in part, “based on the person making the representation”
- recognizing that statements that vary “based on the person making the representation” defeat commonality

## Opinion text

UNITED STATES DISTRICT COURT
EASTERN DISTRICT OF TENNESSEE
AT KNOXVILLE
MARILYN MOORE et al., individually and )
on behalf of all others similarly situated, )
)
Plaintiffs, )
)
v. ) No. 3:18-CV-00410-DCLC-JEM
)
WESTGATE RESORTS, LTD., et al., )
)
Defendants. )

MEMORANDUM OPINION AND ORDER
This matter is before the Court on Plaintiffs’ Renewed Motion for Class Certification
and Appointment of Class Counsel [Doc. 228], Plaintiffs’ Memorandum of Law [Doc. 237], and
Defendants’ Response in Opposition [Doc. 234]. For the reasons below, the Court will deny
Plaintiffs’ motion.
I. BACKGROUND
Defendants sell timeshare units to vacationers at Westgate Smoky Mountain Resort (“the
resort”)—a 1,004 unit resort in Gatlinburg, Tennessee—and Plaintiffs Marilyn Moore, Ryan and
Laura Spado, Ellen Gilliland,1 Gerold Gallegos, Deborah Campbell, Brian and Danyelle Miller,
and Tonya Melfi purchased timeshare units at the resort between 2012 and 2018. [Third Am.
Compl., Doc. 98, ¶¶ 46, 61, 64, 68, 72, 79, 88, 90, 99, 107]. Defendant Westgate Resorts, Ltd.,
operates the resort, and Defendants Central Florida Investments, Inc., Westgate Resorts, Inc.,
Westgate Marketing, LLC, Westgate Vacation Villas, LLC, and CFI Resorts Management, Inc.,

1 Plaintiffs have notified the Court of the death of Ms. Gilliland’s husband, Plaintiff Larry Gilliland. [Pls.’
Notice, Doc. 197].
are general partners, subsidiaries, managers, and real-estate brokers of Westgate Resorts, Ltd.,
respectively. [Id. ¶¶ 13–18].2
Plaintiffs allege that Westgate used “high-pressure sales tactics” to induce them into
buying their timeshare units. [Id. ¶¶ 36, 39–43; see Inhouse Training Manual, Doc. 221, at pg.

57 (instructing sales agents that, “[i]n order to sell [a timeshare unit] today and sell it now, you
must create a sense of urgency which will motivate your customer into buying.”) Specifically,
they claim that Westgate invites vacationers like themselves to tour the resort—sometimes off
the street, see [Gallegos Dep., Doc. 228-16, at 75:14–25]—but the tours turn into lengthy sales
pitches “designed to ensure that they do not leave without purchasing a timeshare,” [Third Am.
Compl., Doc. 98, ¶ 40; see Inhouse Training Manual, Doc. 221, at pg. 57]. During one of these
sales pitches, for example, Westgate’s sales agents allegedly refused to allow Plaintiff Gerold
Gallegos and his girlfriend, Plaintiff Deborah Campbell, to leave to take their prescription
medications, and they “eventually succumbed to the[ir] high-pressure tactics” as the “closing
process stretched beyond 10:00 p.m.” [Third Am. Compl., Doc. 98, ¶¶ 88–89].

All of Westgate’s sales agents undergo training before they interact with prospective
purchasers of timeshare units. The training takes place over a multi-week period,3 and Westgate
devotes this training period to its internal sales manual, the inhouse manual. [Morris Dep., Doc.
228-10, at 16:9-13]. According to Glenn Brown, Westgate’s general manager of sales, Westgate
trains all its sales agents—forty-eight of them, in total, [Brown Dep., Doc. 228-9, at 63:22–25,

2 For brevity, the Court will collectively refer to Defendants simply as Westgate, as the parties do in their
briefs.

3 The record on the length of training is inconsistent. Mr. Brown testified that it lasts two weeks, [Brown
Dep., Doc. 228-9, at 220:4–9], while Mr. Morris testified that it is “a three-week training,” [Morris Dep., Doc. 228-
10, at 15:7]. The discrepancy is immaterial to the analysis that follows, which turns not on the duration of the training
but on what the manual does and does not direct sales agents to say.
64:1–2]—to follow the sales manual “to a T,” [id. at 227:16–18; see Morris Dep., Doc. 228-10,
at 16:17–19]. The sales manual operates as sales agents’ “Bible,” [Brown Dep., Doc. 228-9, at
227:12– 15], informing them of “substantively what [they] should be saying” to prospective
purchasers, [Rushford Dep., Doc. 228-11, at 82:12–15]. Any sales agent who does not adhere

to the sales manual “no longer will work for” Westgate. [Brown Dep., Doc. 228-9, at 65:8–9].
Roughly 150-pages in length, the sales manual contains segments that are heavily if not
fully scripted, including the “Intent Statement,” “Pencil Pitch,” “Urgency Statement,” and “Trial
Close.”4 [Inhouse Training Manual at pgs. 30, 40, 58, 69]. Indeed, all sales agents’ presentations
are “the same,” apart from “minor differences” to adapt to “personalities and what people are
interested in.” [Brown Dep., Doc. 234-5, at 116:12–13]. According to John Palmer, a corporate
representative of Westgate, if customers ask a question during the sales process, “they’re going
to get the same basic answer.” [Pls.’ Mem, Doc. 237, at pg. 17 n.66 (quoting Palmer Dep. at
42:11–15)].
Plaintiffs allege that Westgate “trains its sales agents to make misrepresentations and

omissions during the sales process.” [Third Am. Compl., Doc. 98, ¶ 38]. They claim that sales
agents tell prospective purchasers that if they buy a timeshare unit they can use it “whenever
they want.” [Id. ¶ 44]. Indeed, the sales manual instructs sales agents, during the “Pencil Pitch,”
to tell prospective purchasers that, “like a home, you enjoy the same rights of ownership” with

4 Once a sales agent completes the Trial Close, “the customer should be sold on [the timeshare unit],” the
sales manual says. [Inhouse Training Manual, Doc. 221, at pg. 69]. After agreeing to purchase a timeshare unit, the
purchaser enters into the closing process. See [Closing Officer Training Guide, Doc. 128]. Westgate has a separate
manual, a closing manual, that governs the closing process. In the closing manual, Westgate refers to the sales
process—i.e. the process that the sales agents follow in the sales manual—as “fully scripted”: “Other than for a few
legal terms and your Intent Statement, your closing will not be fully scripted as required in Sales Training.” [Id. at
pg. 133 (emphasis added)].
a timeshare unit and, “just like a home, each unit represents a deed to the real estate.” [Inhouse
Training Manual, Doc. 221, at pg. 43].
Plaintiffs, however, claim that purchasers of Westgate’s timeshare units do not actually
enjoy the same rights as homeowners because they are unable to reserve the type of unit that

they bought even when they give Westgate as much as twelve months’ advance notice. [Third
Am. Compl., Doc. 98, ¶ 45]. Plaintiffs allege that the units are actually unavailable for use as
advertised—and that Westgate knows they are unavailable but does not say so upfront—because
Westgate sells them to multiple purchasers at a time, rents them to non-owners, showcases them
as model units, and closes them for maintenance. [Id. ¶ 36(d)]. “Westgate specifically fails to
disclose to purchasers that tens of thousands of people own timeshare properties at the 1,004-
unit Resort,” Plaintiffs allege. [Id. ¶ 46]. In short, purchasers are allegedly not “able to use their
timeshare purchase as advertised or as would be reasonably expected—or sometimes at all,”
[id. ¶ 36(d)]; instead, purchasers are at the mercy of what is known as the “floating use plan,”
which Westgate does “not adequately describe to timeshare purchasers,” [id. ¶ 51].

The floating-use model is a departure from the “fixed unit, fixed week” model that the
nascent timeshare industry conceived in the 1960s. [Free Report, Doc. 228-5, at pg. 5]. Under
the fixed-unit, fixed-week model, timeshare resorts sell their units in fifty-two-week intervals,
i.e., for use on a specific week of the year. [Id. at pgs. 5–6]. But some seasons and some weeks
are more desirable than others, and timeshare resorts do not always succeed in selling the less
desirable weeks, and when they do succeed, they have to sell them at significant discounts. [Id.
at pg. 12]. To maximize profits, the industry turned to the floating-use model, and under the
floating-use model, purchasers do not receive a right of use on a certain week of the year. [Id.].
Rather, they receive a right to become part of a pool with other purchasers of their specific unit
type and season,5 and their reservations are on a first come, first-reserved basis. [Id. at pg. 11].
So those who do not swiftly reserve that unit type during a particular week of a desirable season
are left with fewer desirable units during less desirable weeks. [Id. at pg. 12].
Plaintiffs complain that they had to choose from these less desirable options after they

purchased their units from Westgate. Plaintiff Marilyn Moore, who bought a one-bedroom unit
in 2008, upgraded to a one-bedroom deluxe in 2012, and upgraded again to a two-bedroom unit
in 2013,6 [Moore Purchase Agreements, Docs. 31, 34, 37], attests that a sales agent “told [her]
that [she] could vacation when, where, and how [she] wanted to with this timeshare,” [Moore
Dep., Doc. 228-14, at 67:17–18]. Plaintiff Gerold Gallegos, who purchased a unit in 2017 with
Plaintiff Deborah Campbell, [Gallegos Decl., Doc. 228-27, at 1], asserts that a sales agent told
them that “[they] can [use] it any time [they] want,” [Gallegos Dep., Doc. 228-16, at 216:11–
12], and “guarantee[d]” that they would “get any days [they] want,” [Gallegos Dep., Doc. 234-
50, at 82:23–24]. Plaintiff Ellen Gilliland, who purchased a unit in 2015, maintains that a sales
agent assured her and her husband that they “can rent when [they] want to or have [the unit]

available to [them] when [they] want it.” [Gilliland Dep., Doc. 228-15, at 25:16–17, 112:5–6;
see id. at 96:15–16 (“[W]e were told when you buy and you want to use it, you can use it.”)].
Plaintiffs Ryan and Laura Spado purchased a unit 2008, upgraded to a bigger unit in 2010, and
upgraded to a newer unit in 2012, [Ryan Spado Dep., Doc. 228-13, at 134:12–14, 134:22–25,
135:1–8], but unlike Ms. Moore, Ms. Gilliland, and Mr. Gallegos and Ms. Campbell, no sales
agent expressly told Mrs. Spado when she and her husband could or could not use their unit,

5 In requesting class certification, Plaintiffs seek to limit the class to purchasers of all-season timeshare units,
[Pls.’ Mem., Doc. 237, at pg. 19], and they assert that “[a]ll Plaintiffs purchased an All Season floating use timeshare
at the Resort,” [id. at pg. 17].

6 For each purchase and upgrade, Ms. Moore participated in Westgate’s sales presentations, which she
believed to be “mandatory.” [Moore Dep., Doc. 228-14, at 115:16–25, 116:1–5].
[Laura Spado Dep., Doc. 234-17, at 20:4–6]. Even so, her understanding was that they would
be able to use it “any time of that year,” and no sales agent told her that a reservation would
be “subject to availability.” [Id. at 20:1–3, 20:7–10].7
Plaintiffs, however, claim that they were all unable to reserve their units on dates when

they requested them, and sometimes they were unable to reserve them at all. According to Ms.
Moore, “[w]e were having booking issues,” and “[r]eally nothing was ever available.” [Moore
Dep., Doc. 228-14, at 116:24–25]. She upgraded her unit in 2013 because Westgate said “that
would solve [her] problem.” [Id. at 117:4–8]. According to Mr. Gallegos, the unit type that he
and Ms. Campbell purchased “was not available during the time [they] wanted to book it” and,
after multiple tries, they were “eventually able to book a unit for use at a time that was not the
time [they] preferred” and was “inconvenien[t]” for them. [Gallegos Decl. Doc. 228-27, ¶ 3].
According to Ms. Gilliland, “[w]hen [she] called to book,” she “asked for . . . what [she] had
purchased,” but “they said it’s not available,” and they offered “some smaller unit” instead.
[Gilliland Dep., Doc. 228-15, at 96:13–22]. And according to Mr. Spado, the unit type that he

and Mrs. Spado purchased “was almost constantly booked” and, in 2015, they “were entirely
unable to use [it].” [Ryan Spado Dep., Doc. 228-13, at 152:11–25].
Although Westgate’s sales manual neither mentions the floating-use plan8 nor instructs
their sales agents to mention it, Ms. Moore, Ms. Gilliland, Mr. Gallegos and Ms. Campbell, and
Mr. and Mrs. Spado, during Westgate’s closing process, all signed an “Acknowledgment of

7 Plaintiffs do not seek Mr. and Mrs. Spado’s appointment as class representatives.

8 The term “Floating Time” appears only in the sales manual’s glossary, which defines “Floating Time” as
follows: “Floating Time: (Only applies at home resort) An ownership that allows a request for a reservation in the
season in which they own, in the size unit they own and resort they own. Owners either request a time to use it or it is
randomly assigned by their resort.” [Inhouse Training Manual, Doc. 221, at pg. 140]. The term does not appear in any
of the manual’s scripted segments.
Representations,” in which each of them expressed their understanding that they had purchased
a floating-use plan:

Prior to consummation of your Purchase Agreement . . . the Developer desires to
eliminate any possibility of misunderstanding as to what might have been
represented to you which may have influenced your decision to purchase.
Therefore, we ask that you kindly answer the following questions:

. . . .

I (We) understand that by participating in the Floating Use Plan I (We) are not
entitled to the use of the specific Unit for the specific Unit Week owned, but rather
that the possession and use rights are released in consideration for receiving the
right to make a reservation under the Floating Use Plan.

[Moore 2012 Acknowledgment of Representations, Doc. 234-35, at pg. 2 (emphasis added);
see Spado 2008 Acknowledgment of Representations, Doc. 234-19, at pg. 2 (acknowledging
the same); Gilliland Acknowledgment of Representations, Doc. 234-45, at pg. 2 (acknowledging
the same); Gallegos & Campbell Acknowledgment of Representations, Doc. 234-52, at pg. 2
(acknowledging the same)].
Further, Ms. Moore, Ms. Gilliland, Mr. Gallegos and Ms. Campbell, and Mr. and Mrs.
Spado received a copy of Westgate’s “Timesharing Plan” and Westgate’s “Public Offering
Statement” when they executed their respective purchase agreements. See, e.g., [Moore 2012
Purchase Agreement, Doc. 234-34, at pg. 1 (stating that the purchase is “pursuant to the terms
and conditions of this Contract for Purchase and Sale and the Timesharing Plan, a copy of
which is included with the Public Offering Statement” (emphasis added)). In fact, each of them
signed separate documents in which they confirmed their receipt of the Timesharing Plan as
well as the Public Offering Statement. [Gallegos & Campbell Receipts for Public Offering
Statement, Docs. 234-12, 234-53; Spado Receipts for Timeshare Docs., Docs. 234-20, 234-23,
234-26; Moore Receipts for Timeshare Docs., Docs. 234-33, 234-36, 234-39; Gilliland Receipts
for Public Offering Statement, Docs. 234-46, 234-49]. In the Timesharing Plan, Westgate
describes and explains the floating-use plan, and it states that reservations are available on a
“‘first-come, first-served’” basis. [Timesharing Plan, Doc. 234-15, at Art. II, Section B(2)(A)].
Similarly, in the Public Offering Statement, Westgate states that “[p]ursuant to the Floating Use

Plan all Floating Unit Weeks shall be available for use by all Owners at all times on a ‘first
come, first-served’ reservation basis.” [Public Offering Statement, Doc. 234-14, at pg. 5].9
Plaintiffs have now filed a proposed class-action suit against Westgate in this Court,
seeking to bring suit on behalf of themselves and all others similarly situated to them. They
allege violations of the Tennessee Time-Share Act (“TTSA”), Tennessee Code Annotated § 66-
32-101 et seq. (Counts One and Two), as well as claims for unjust enrichment (Count Three),
fraudulent misrepresentation by omission (Count Four), fraudulent inducement (Count Five),
negligent misrepresentation by omission (Count Six), breach of the implied covenant of good
faith and fair dealing (Count Seven), breach of contract (Count Eight), and civil conspiracy
(Count Nine). Westgate has already moved to dismiss these claims, and the Court granted

dismissal of some of them: Counts One and Eight in their entireties and Counts Two, Three,
Four, Five, Six, and Nine but only as to Ms. Moore, Mr. Spado, and Mrs. Spado. [Mem. Op. &
Order, Doc. 185, at 50–51].
As to only Counts Two, Seven, and Nine, Plaintiffs move for class certification under
Federal Rule of Civil Procedure 23, and they propose the following class—consisting of more
than 35,000 individuals whom they maintain are similarly situated—for certification: “All
residents of the United States and its territories who purchased from Westgate an All Season

9 Ms. Moore, Ms. Gilliland, and Mr. and Mrs. Spado stated that they did not read all these documents. [Moore
Dep., Doc. 234-30, at 114:19–21, 139:7–11; Laura Spado Dep., Doc. 234-17, at 20:11–25, 21:1–5; Gilliland Dep.,
Doc. 234-43, 83:9–10].
‘floating use plan’ vacation timeshare property at the Westgate Smoky Mountain Resort at
Gatlinburg from September 25, 2012 through January 31, 2018.” [Id. at 19]. They seek the
appointment of Ms. Campbell, Mr. Gallegos, Ms. Gilliland, and Ms. Moore as representatives
of the class.10 The parties have fully briefed Plaintiffs’ motion for class certification. Having

carefully reviewed and considered Plaintiffs’ motion and the parties’ arguments, the Court will
now rule on them.
II. LEGAL STANDARD
Rule 23 governs class-action suits. A class-action suit under Rule 23 is “an exception to
the usual rule that litigation is conducted by and on behalf of the individual named parties only,”
Califano v. Yamasaki, 442 U.S. 682, 700–01 (1979), and it “‘economiz[es] on the expense of
litigation’ by resolving key issues in one stroke,” Speerly v. Gen. Motors, LLC, 143 F.4th 306,
321 (6th Cir. 2025) (quotation omitted). Under Rule 23, Plaintiffs, first, must demonstrate:

(1) the class is so numerous that joinder of all members is impracticable;
(2) there are questions of law or fact common to the class;
(3) the claims or defenses of the representative parties are typical of the claims or
defenses of the class; and

(4) the representative parties will fairly and adequately protect the interests of the
class.

Fed. R. Civ. P. 23(a). “These requirements effectively ‘limit the class claims to those fairly
encompassed by the named plaintiff’s claims.’” Gen. Tel. Co. of Sw. v. Falcon, 457 U.S. 147, 156
(1982) (quotation omitted).

10 Plaintiffs seek the appointment of Ms. Moore as a class representative only for the claim for breach of
contract. [Pls.’ Mem., Doc. 237, at pg. 11 n.8].
Second, Plaintiffs must meet one of Rule 23(b)’s three requirements. Wal-Mart Stores,
Inc. v. Dukes, 564 U.S. 338, 345 (2011). Plaintiffs seek certification under Rule 23(b)(3), which
requires “the court [to] find[] that the questions of law or fact common to class members
predominate over any questions affecting only individual members, and that a class action is

superior to other available methods for fairly and efficiently adjudicating the controversy.” Fed.
R. Civ. P. 23(b)(3). Rule 23(b)(3), which is “more demanding” than Rule 23(a), Comcast Corp.
v. Behrend, 569 U.S. 27, 34 (2013), promotes “uniformity of decision as to persons similarly
situated,” Amchem Prods., Inc. v. Windsor, 521 U.S. 591, 615 (1997) (citation omitted).
Rule 23(a)’s and (b)’s requirements are “stringent,” In re Nissan N. Am., Inc., Litig., 122
F.4th 239, 245 (6th Cir. 2024), and command “precision across the board,” In re Ford Motor
Co., 86 F.4th 723, 726 (6th Cir. 2023). In attempting to satisfy them, Plaintiffs have “a burden
of proof, not a burden of pleading.” Id. (quoting Brown v. Electrolux Home Prods., Inc., 817
F.3d 1225, 1234 (11th Cir. 2016)). In other words, Plaintiffs must “affirmatively demonstrate”
their compliance with Rule 23’s requirements by “actually prov[ing]—not simply plead[ing]—

that their proposed class satisfies each requirement.” Halliburton Co. v. Erica P. John Fund,
Inc., 573 U.S. 258, 275 (2014) (quotation omitted); Falcon, 457 U.S. at 160 (recognizing that
“actual . . . conformance with Rule 23(a)” is “indispensable”).
On a motion for class certification under Rule 23, the Court may accept the pleading’s
allegations as true to the extent they are undisputed, Doster v. Kendall, 54 F.4th 398, 432 (6th
Cir. 2022), vacated as moot, 144 S. Ct. 481 (2023); Gooch v. Life Invs. Ins. Co. of Am., 672 F.3d
402, 417 (6th Cir. 2012), and “[s]ometimes the issues are plain enough from the pleadings” to
enable the Court to determine whether a plaintiff has proven Rule 23’s requirements, Falcon,
457 U.S. at 160. But sometimes the Court may need to “probe behind” the pleadings because
Rule 23’s requirements can be “enmeshed” in the legal and factual issues that make up the
underlying claims’ merits. Id. (internal quotation mark omitted) (quotation omitted). “If there
are material factual disputes, the court must receive evidence and resolve the disputes before
deciding whether to certify the class.” Priddy v. Health Care Serv. Corp., 870 F.3d 657, 660

(7th Cir. 2017) (cleaned up) (quotation omitted); see Ford, 86 F.4th at 729 (“[I]f a question of
fact or law is relevant to [the class-certification] determination, then the district court has a
duty to actually decide it and not accept it as true or construe it in anyone’s favor.” (alterations
and emphasis in original) (quotation omitted))); see also In re Whirlpool Corp. Front-Loading
Washer Prods. Litig., 722 F.3d 838, 851 (6th Cir. 2013) (stating that, “[o]rdinarily,” the “class
determination should be predicated on evidence presented by the parties concerning the
maintainability of the class action” (citation omitted)).
The need for the Court to perform an inquiry that overlaps with the merits “cannot be
helped” when addressing commonality under Rule 23(a) and predominance under Rule 23(b).
Speerly, 143 F.4th at 317 (quoting Wal-Mart, 564 U.S. at 351). The Court, “as a result, must not

defer merits questions bearing on commonality and predominance until summary judgment.” Id.
(emphasis added). Even so, the Court does not have license to perform “free-ranging merits
inquires.” Amgen, Inc. v. Conn. Ret. Plans & Tr. Funds, 568 U.S. 455, 466 (2013). Instead, it
may only “peek” at the evidence on the merits when relevant to its determination of whether a
movant has met Rule 23’s requirements. Doster, 54 F.4th at 433; see Amgen, 568 U.S. at 465–
66. That evidence includes expert opinions. Nissan, 122 F.4th at 253–54.
III. ANALYSIS

In asserting that class certification will permit a factfinder to resolve key issues in one
stroke, Plaintiffs argue that Westgate engaged in “uniform illegal conduct,” [Pls.’ Mem., Doc.
237, at pg. 7]—conduct that, they maintain, “did not change meaningfully during the relevant
time period,” [id.]. They emphasize, multiples times over, Westgate’s “‘fully-scripted’ sales
presentation,” and they contend that it resulted in “the same misrepresentations and material
omissions” to prospective purchasers, [id. at pg. 22], yielded “materially identical purchase

contracts,” [id.], and culminated in “the same core harm” to prospective purchasers, namely a
“‘floating use’ timeshare product that did not have the qualities or benefits represented during
the sale,” [id. at pg. 8].
Westgate, on the other hand, insists that class certification “would create an absolute
mess” because “[t]here is no uniform evidence of what the proposed class was told” apart from
what was in the documents they received. [Defs.’ Resp., Doc. 234, at pg. 1]. Confronted with
the possibility of class certification, Westgate envisions not only “a discovery quagmire” but
also “mini-trials for 35,000 proposed class members to figure out what they knew, what they
were told, whether it was material, whether something more was required, and whether they got
their requested reservations.” [Id. at pg. 2]. In short, Westgate believes that “individualized

disputes” abound. [Id.].
“[B]ecause even one individualized issue risks dramatically increasing the costs of
class litigation,” Speerly, 143 F.4th at 322, the Court must conduct a “rigorous analysis” to
determine if Plaintiffs satisfy Rule 23’s prerequisites, Falcon, 457 U.S. at 161. Of those
prerequisites, “[c]ommonality drives the initial Rule 23 inquiry” because “[i]t either establishes
the first building block of a proposed class action or exposes an inadequate foundation.” Speerly,
143 F.4th at 322 (citing Wal-Mart, 564 U.S. at 351). Commonality is the “more complicated” of
Rule 23’s requirements. Id. at 316. Before addressing commonality, however, the Court must
address Defendants’ threshold argument that the proposed class lacks standing.
A. Standing
A constitutional requirement under Article III, standing is “the threshold question in
every federal case.” Warth v. Seldin, 422 U.S. 490, 498 (1975). In class actions, however, “a
court need not worry about . . . standing until it certifies the class” because “class members are

not parties before class certification.” Fox v. Saginaw Cnty., 67 F.4th 284, 296 (6th Cir. 2023)
(citing Smith v. Bayer Corp., 564 U.S. 299, 313 (2011); Amchem, 521 U.S. at 612–13)); see
[Defs.’ Mem., Doc. 234, at pg. 10 (acknowledging that “class member standing only becomes
relevant once certified”)]. Class certification of Plaintiffs’ claims is not proper, for the reasons
that the Court will now go on to articulate, and the question of standing is therefore moot.
B. Commonality
Commonality requires Plaintiffs to identify at least one question of law or fact common
to the class. Fed. R. Civ. P. 23(a)(2). To be common, the question must “clear two hurdles.”

Clippinger v. State Farm Auto. Ins. Co.,173 F.4th 817, 827 (6th Cir. 2026). First, “it must yield
a cohesive yes-or-no answer for all class members.” Id. (citing Wal-Mart, 564 U.S. at 350). “If
a reasonable decisionmaker left with the evidence may answer ‘yes’ to a question for some
class members and ‘no’ for others,” then it lacks cohesion and “the class has not shown that it
is common.” Speerly, 143 F.4th at 319 (citations omitted); see id. at 318 (“A question is not
common if the answer requires ‘evidence that varies from member to member.’” (quoting Tyson
Foods, Inc. v. Bouaphakeo, 577 U.S. 443, 453 (2016))).
Second, the question must “resolve an issue that is central to the validity of each one
of the claims.” Wal-Mart, 564 U.S. at 350 (emphasis added). An issue is central if it “affect[s]
at least one element” of the claims.11 Nissan, 122 F.4th at 246 (quotation omitted). Plaintiffs,
therefore, must “trace the question to a legally salient element in each cause of action,” Speerly,
143 F.4th at 319 (quotation omitted),12 and show that the question “drive[s] the resolution” of
each cause of action, Clippinger, 173 F.4th at 829 (quoting Wal-Mart, 564 U.S. at 350).

Plaintiffs “cannot ignore the individualized inquires that might occur with respect to the
allegedly ‘common’ question.” Speerly, 143 F.4th at 319 (citations omitted). And neither can
the Court. As part of its obligatory “rigorous analysis” under Rule 23, it must decide whether
Plaintiffs have actually proven commonality,13 Falcon, 457 U.S. at 161, and to do so, it must
“assess potential ‘[d]issimilarities within the proposed class’” and explain why they do or do
not defeat class certification, Nissan, 122 F.4th at 247 (alteration in original) (quoting Wal-
Mart, 564 U.S. at 350)). In the end, it “must actually decide” whether a proposed question is
common. Speerly, 143 F.4th at 316 (citation omitted).
Plaintiffs fail to prove commonality for their claims, and the Court will therefore begin
and end its analysis with it. See Wal-Mart, 564 U.S. at 349 n.5 (“In light of our disposition of

the commonality question . . . it is unnecessary to resolve whether respondents have satisfied”

11 The Sixth Circuit has “yet to decide whether the question must conclusively resolve (rather than just
‘affect’) an element. But there is no doubt that a question on a peripheral issue . . . will not suffice.” Clippinger, 173
F.4th at 827 (citations omitted).

12 Rule 23 “does not require a plaintiff seeking class certification to prove that each element of her claim is
susceptible to classwide proof.” Amgen, 568 U.S. at 469 (cleaned up) (emphasis added). Rather, the common question
must be capable of generating answers that “affect at least one element” of the class members’ claims. In re Nissan,
122 F.4th at 246. Plaintiffs contend this analysis, i.e., an “element-by-element commonality analysis,” Speerly, 143
F.4th at 319, is not new and does not “heighten” Rule 23’s standards, [Pls.’ Mem., Doc. 237, at pgs. 8–9]. Whether
Speerly merely clarifies or instead meaningfully expands the commonality question is subject to disagreement.
Compare Speerly, 143 F.4th at 315–335 (majority opinion), with id. at 366, 369 (Moore, J., dissenting) (arguing that
the majority’s opinion creates a “heightened standard” that requires a “labored, mechanized analysis” and permits
“only plaintiffs with unassailable claims [to] proceed past class certification in [this] circuit”)).

13 By examining “the material elements of each claim” and determining “which ones, if any, yield a common
answer,” the Court conducts the requisite rigorous analysis of commonality. Id.; see Nissan, 122 F.4th at 246 (“In
asking whether the trial court conducted a ‘rigorous analysis’ of commonality, the answer does not turn on whether
the district court wrote a long opinion or held multiple hearings. It turns on whether the court examined the material
elements of each claim and determined which ones, if any, yield a common answer.” (quotation omitted)).
Rule 23’s other requirements.); Sprague v. Gen. Motors Corp., 133 F.3d 388, 397 (6th Cir.
1998) (stating that “[n]o class that fails to satisfy all four of the prerequisites of Rule 23(a) may
be certified” (citation omitted)).

1. The Tennessee Time-Share Act (Count Two)
In Count Two, Plaintiffs allege Westgate violated the TTSA by engaging in false
advertising. [Third Am. Compl., Doc. 98, ¶¶ 156–65]. The TTSA defines an advertisement as
“any written, printed, verbal or visual offer,” Tenn. Code Ann. § 66-32-132(1), and it prohibits
certain types of wrongful “advertising for the offer or sale of time-share intervals,” id. § 66-
32-132. Under § 66-32-132(11), the provision under which Plaintiffs request certification, the
TTSA states: “No advertising for the offer or sale of time-share intervals shall . . . . [m]ake any
misleading or deceptive representation with respect to the contents of the time-share program,
the purchase contract, the purchaser’s rights, privileges, benefits or obligations under the

purchase contract or this part.” Id. § 66-32-132(11). And further, the TTSA creates a cause of
action for “any person or class of persons adversely affected” by any misleading or deceptive
representation. Id. § 66- 32-118(a). So under § 66-32-132(11), the elements of a claim for false
advertising are: (1) a written, printed, verbal, or visual offer for a time-share interval, (2) a
misleading or deceptive representation with respect to that offer, and (3) an adverse effect that
is caused by the misleading or deceptive representation.
The TTSA does not define “misleading or deceptive,” so Plaintiffs ask the Court to
adopt the common-law definition of “deceptive” that applies to the Tennessee Consumer
Protection Act (“TCPA”), Tenn. Code Ann. § 47-18-101 et seq., which prohibits “[u]nfair or

deceptive acts or practices affecting the conduct of any trade or commerce,” Tenn. Code Ann.
§ 47-18-109(a)(1). Under the TCPA, a “‘deceptive act or practice’ is a material representation,
practice or omission likely to mislead a reasonable consumer.” Davis v. McGuigan, 325 S.W.3d
149, 162 (Tenn. 2010) (quotation omitted).14 Because the TTSA is silent as to what constitutes
deception, “the standards to be used in” defining it “are legal matters to be decided by the
[C]ourt[].” State ex rel. Slatery v. HRC Med. Ctrs., Inc., 603 S.W.3d 1, 24 (Tenn. Ct. App. 2019)

(citation omitted).
The Tennessee Supreme Court has not yet addressed whether courts can, or should,
construe the TTSA consistently with the TCPA. When the Tennessee Supreme Court has not
addressed an issue, this Court, to resolve the issue, “must predict how” the Tennessee Supreme
Court “would rule by looking to all the available data,” which “include[s] the decisional law
of the state’s lower courts.” Faber v. Ciox Health, LLC, 944 F.3d 593, 601 (6th Cir. 2019)
(alteration in original) (quotations omitted). In this vein, the Tennessee Court of Appeals has
noted that the TTSA “applies to the primary sale of time share estates between the developers
and the first purchaser” and that the TCPA “may apply to this type of transaction.” Williams v.
Starace, No. 85-162-II, 1985 WL 4074, at *5 n.3 (Tenn. Ct. App. Oct. 29, 1985) (citing Klotz

v. Underwood, 563 F. Supp. 335, 337 (E.D. Tenn. 1982)). The Tennessee Court of Appeals has
also affirmed that, in an action to rescind a contract for a purchase of a timeshare, liability can
simultaneously arise under both TTSA and the TCPA. Overton v. Westgate Resorts, Ltd., No.
E2014–00303–COA–R3–CV, 2015 WL 399218, at *4–7 (Tenn. Ct. App. Jan. 30, 2015).
The Court’s assessment of how the Tennessee Supreme Court would address this issue
does not rest on the lower courts’ decisions alone. It is also based on the two statutes’ purposes.
The TTSA prohibits a “misleading or deceptive representation,” Tenn. Code Ann. § 66-32-

14 “[A] plaintiff under the TCPA is not required to show reliance upon a misrepresentation by the defendant
in order to maintain a cause of action.” Messer Griesheim Indus., Inc. v. Cryotech of Kingsport, Inc., 131 S.W.3d 457,
469 (Tenn. Ct. App. 2003) (citation omitted).
132(11), and the TCPA forbids “deceptive acts[s] or practice[s],” Tenn. Code Ann. 47-18-104.
Both statutes focus on the same thing—addressing the deception of consumers in commercial
transactions. The TCPA “shall be liberally construed” to protect the public form deceptive
practices, Tenn. Code Ann. § 47-18-102, and the Tennessee Supreme Court has confirmed that

the TCPA “is to be liberally construed to protect consumers and others from those who engage
in deceptive acts or practices,” Morris v. Mack's Used Cars, 824 S.W.2d 538, 540 (Tenn. 1992)
(citing Haverlah v. Memphis Aviation, Inc., 674 S.W.2d 297, 305 (Tenn. Ct. App. 1984)). To
construe the TTSA’s “deception” language more narrowly than that provided for in the TCPA
would not serve the shared remedial purposes of both statutes. For these reasons, this Court
predicts the Tennessee Supreme Court would rule that a deceptive representation under the TCPA
is analogous to, and interchangeable with, a deceptive representation under the TTSA.
a. Centrality

Having identified the material elements of Plaintiffs’ claim under § 66-32-132(11) of
the TTSA, and the definitions of those elements’ key terms, the Court must now determine
whether Plaintiffs have come forward with a question that they can trace to at least one of those
elements. Speerly, 143 F.4th at 319. They must “identify only one” such question, id. (citing
Wal-Mart, 564 U.S. at 359), but they offer two:
• “Whether, in the course of its uniform sales presentation, Westgate made
material misrepresentations or omissions about its ‘floating use’ timeshare
product; and,

• If so,15 whether the proposed class members were adversely affected by those
material misrepresentations or omissions.”

15 Because Plaintiffs premise their second question on the outcome of the first question, the Court will treat
a failure to prove centrality and cohesion for the first question as dispositive for the second question.
[Pls.’ Mem., Doc. 237, at pg. 23].
The first question resolves, and at a minimum affects, the second element of Plaintiffs’
TTSA claim—the element requiring a misleading or deceptive representation with respect to
an advertisement—because, if a jury answers yes, it will establish that Westgate misrepresents

or omits material information about “unit availability” to prospective purchasers, as Plaintiffs
allege. [Third Am. Compl. ¶ 162]. And if a jury instead answers no, the question will likewise
resolve whether Westgate has made these misrepresentations or omissions, thereby driving the
resolution of the claim. See Clippinger, 173 F.4th at 829–30 (addressing the issue of centrality
by considering the “answers that the jury might give to this [proposed] question at trial” and
deciding whether those answers would “‘drive the resolution’” of the claim (quoting Wal-Mart,
564 U.S. at 350)). Plaintiffs have therefore shown that this question is central to the validity of
their claim under the TTSA.

b. Cohesion
Next, the Court must decide whether a reasonable decisionmaker can give a cohesive
yes-or-no answer to this question for all the class members. Id. at 827. Plaintiffs argue that the
answer to this question—an answer of yes—will be the same for all the class members because
the evidence “overwhelmingly establishes” that Westgate’s sales agents made “uniform” oral
misrepresentations and uniform omissions to prospective purchasers about the availability of
timeshare units during their “uniform,” “fully-scripted” pre-purchase sales presentations. [Pls.’
Mem., Doc. 237, at pg. 10]. Plaintiffs identify three alleged misrepresentations or omissions—
all of which, they claim, occurred “pre-sale” or “prior to them making the purchase decision,”

rather than during the closing process. [Id. at pgs. 7, 13 (emphasis in original)]. Those alleged
misrepresentations or omissions are:
• “Westgate uniformly trained its salespersons to create false urgency and push
prospective purchasers to buy ‘TODAY’ while falsely representing the nature
of the product,”

• “Westgate’s sale representatives uniformly misrepresented timeshares to
potential purchasers as having ‘the same rights of ownership as a home. You
can use it, loan it out . . . rent it out . . . sell it,’” and

• “Westgate’s sales representatives also uniformly failed to disclose that, because
of the design of Westgate’s floating use scheme—where all owners fight for the
same handful of highly-desirable weeks—timeshare owners will likely be
unable to use (or loan or rent) their timeshare on their desired dates or to use
the type of timeshare unit they purchased.”

[Id. at pgs. 7–8].16 Westgate, however, argues “there is no evidence of any uniformity,” [Defs.’
Resp., Doc. 234, at pg. 13], insisting “there is no evidence that purchasers were uniformly told”
that they could use their timeshare units whenever they wanted to use them. [Id. at pg. 12].
Westgate, therefore, contends that “there is no common answer to what purchasers were told.”
[Id.].
Whether Westgate’s sales manual, and by extension the alleged misrepresentations and
omissions that originated from the sales manual, operates as a uniform script is highly relevant
to the Court’s determination of class certification—and to its determination of commonality in
particular. Indeed, when oral statements factor into a material element of a claim, as they do
here under the TTSA, the Sixth Circuit has held that commonality is lacking if those oral
statements are “not uniform.” Sprague, 133 F.3d at 398. The Court must therefore resolve the
parties’ dispute regarding whether Westgate’s alleged oral misrepresentations and omissions
relating to the floating-use plan are uniform. See Speerly, 143 F.4th at 317 (stating that “[t]he
district court . . . must not defer merits questions bearing on commonality and predominance

16 The first and second misrepresentations—i.e., whether Westgate’s sales agents “falsely represent[] the
nature of the product” and whether they falsely represent that Westgate’s product confers the same ownership rights
as a home—overlap with each other, and the Court will consider them interchangeably in its analysis.
until summary judgment”); Ford, 86 F.4th at 729 (“[I]f a question of fact or law is relevant to
[the class-certification] determination, then the district court has a duty to actually decide it[.]”
(alterations and first emphasis in original) (second emphasis added) (quotation omitted))).
Class certification “is usually inappropriate where oral representations are relied upon

to support” claims of deceptive acts “due to the highly individualized nature of the statements.”
Bobbitt v. Acad. of Ct. Reporting, Inc., 252 F.R.D. 327, 340 (E.D. Mich. 2008) (citing Yadlosky
v. Grant Thornton, LLP, 197 F.R.D. 292, 299 (E.D. Mich. 2000)); see Lichoff v. CSX Transp.,
Inc., 2004 WL 2280354, at *6 (N.D. Ohio Oct. 6, 2004) (observing that “claims based on oral
misrepresentations” are usually “not proper for class treatment because they are presumptively
individualized” (citing Simon v. Merrill, Lynch, Pierce, Fenner & Smith, Inc., 484 F.2d 880,
882 (5th Cir. 1973)); see also Sprague, 133 F.3d at 398 (determining that “the plaintiff’s claims
clearly lacked commonality” because the defendant’s “statements to [the proposed class] were
not uniform”).
But, “there is no immutable rule prohibiting class certification in . . . cases premised on

oral misrepresentations,” Bobbitt, 252 F.R.D. at 340, and certification may be proper with proof
that “[1] the oral misrepresentations were uniform and [2] no material variations existed in
statements made to each class member.” Chaz Concrete Co. v. Codell, Civil Action No. 3:03-
52—KKC, 2006 WL 2453302, at *9 (E.D. Ky. Aug. 23, 2006) (citing Gibbs Props. Corp. v.
Cigna Corp., 196 F.R.D. 430, 440 (M.D. Fla. 2000)); see Moore v. PaineWebber, Inc., 306 F.3d
1247, 1255 (2d Cir. 2002) (Sotomayor, J.) (“While training and the existence of scripts are
relevant factors, the inquiry should remain focused on whether material variations in the
misrepresentations existed.”); accord Sprague, 133 F.3d at 398.
The sales manual, on its face, is not a 150-page script from beginning to end. Certain
segments of the sales manual, however, are scripted. The Pencil Pitch, for example, contains
specific statements and questions for sales agents to recite verbatim to prospective purchasers.
See [Inhouse Training Manual, Doc. 221, at pgs. 39–46; id. at pgs. 43, 45 (instructing the sales

agents to ask certain questions and to give certain responses to customers’ answers: “Allow the
customer time to answer, then say,” “Wait for the customer’s response, and then say,” and “Once
the customer answers, say”)]. And, importantly, the verbal misrepresentation that Plaintiffs
maintain to be uniform—i.e., that purchasers have the “same rights of ownership as a home,”
[Pls.’ Mem., Doc. 237, at pg. 7]—appears as a scripted statement in the Pencil Pitch: “[L]ike a
home, you enjoy the same rights of ownership. You can use it, loan it out . . . rent it out . . . sell
it[.]” [Inhouse Training Manual, Doc. 221, at pg. 43]. Adding to the evidence that this statement
is a scripted part of the pre-sale presentation for all sales agents, Mr. Brown, Westgate’s general
manager for sales, testified that sales agents are trained to follow the sales manual “to a T” and
that their presentations are “the same” apart from “minor differences.” [Brown Dep., Doc. 234-

5, at 116:12–13]. And in stride with his testimony, Ms. Moore, Mr. Gallegos, and Ms. Gilliland
all testified that sales agents assured them they could use their units any time they wanted to
use them. [Moore Dep., Doc. 228-14, at 67:17–18; Gallegos Dep., Doc. 228-16, at 216:11–12;
Gilliland Dep., Doc. 228-15, at 25:16–17, 96:15–16, 112:5–6; Gallegos Dep., Doc. 234-50, at
82:23–24]. So far, so good for Plaintiffs in their effort to establish that the sales manual and the
alleged oral misrepresentations that originated from the sales manual were uniform and were
without variation.
Westgate, however, argues otherwise, insisting that the evidence shows “variations in
what sales representatives say.” [Defs.’ Resp., Doc. 234, at pg. 12]; see Nissan, 122 F.4th at
247 (“The court must consider opposing arguments to ensure that plaintiffs ‘actually prove’ a
common answer exists.” (citing Halliburton, 573 U.S. at 275). Westgate cites Mrs. Spados’s
testimony, specifically her statement that no sales agent expressly told her when she and her
husband could or could not use their unit or that a reservation would be subject to availability.

[Laura Spado Dep., Doc. 234-17, at 20:4–6, 20:7–10].
Q: Were you given any information about when the periods of time were that you
could make reservations?

A: No.
Q. Were you given any information to the effect that you making a reservation was
subject to availability?

A: No
[Id. at 20:4–10]. Her testimony shows that while segments of the sales manual may have been
uniform on paper, and perceived as uniform in the minds of at least some of Westgate’s general
managers like Mr. Brown, they were not always uniform in practice. Mr. Brown, in fact,
acknowledged that sales agents do not always follow the sales manual and have to participate
in retraining as a consequence. [Brown Dep., Doc. 228-9, at 64:3–11]. According to Mr. Brown,
these sales agents “don’t get it the first time,” “take a little longer to” learn how to apply the
sales manual, or just “want to do things their own way.” [Id. at 64:24–25, 65:2–3, 65:7–8]. See
Grainger v. State Sec. Life Ins. Co., 547 F.2d 303, 307 (5th Cir. 1977) (“It is possible, although
unlikely, that oral misrepresentations can be uniform, e.g., through use of a standardized sales
pitch by all the company’s salesmen.”).
The evidence would therefore allow a reasonable decisionmaker to conclude that sales
agents’ actual application of the sales manual and the oral misrepresentations at issue were not
always uniform from customer to customer and could vary based on the particular sales agent
doing the presenting. See Sprague, 133 F.3d at 398 (holding that the plaintiffs’ claims lacked
commonality because the statements at issue varied, in part, “based on the person making the
representation”); see also PaineWebber, 306 F.3d at 1256–57 (Sotomayor, J.) (holding that,
although “Plaintiffs provided substantial evidence of a centralized sales scheme,” the evidence

failed to show that the defendant’s sales agents had “adopt[ed] a materially uniform approach
in their individual sales presentations” and instead “show[ed] that there were, in fact, material
variations in the sales pitches”).
The same is true as to Plaintiffs’ affirmative-misrepresentation theory. Their strongest
evidence of uniformity is the scripted line, “And like a home, you enjoy the same rights of
ownership,” which is part of the Pencil Pitch. [Inhouse Training Manual, Doc. 221, at pg. 44].
But this statement does not bear on the issue at the heart of this case, that is, the availability of
units under the floating-use plan. The problem for Plaintiffs is that the sales manual is silent
on availability and reservations; it does not address what a sales agent must tell a prospective
purchaser about the likelihood of securing a particular unit on a particular date. Because it is

silent on availability, whatever each purchaser was told on that subject must have come from
the different conversations with purchasers, not a uniform script. Mr. Brown’s own testimony
illustrates this point. He acknowledged that “the foundation is the same but it could be different
based on who you have in front of you.” [Brown Dep., Doc. 234-5, at 116:9–10]. He testified
that what a purchaser is told about availability turns on which “season” the purchaser actually
buys, and when a purchaser complained that he was not getting “any week that [he] wanted,”
Mr. Brown’s response was, “[Y]ou didn’t ask me about the different seasons.” [Id. at 114:16–
115:9]. And James Rushford, another manager of sales at Westgate, testified that when owners
ask him how hard booking would be, he tells them, “If it’s going to be busy, book early. If you
can book last minute, if that’s how you vacation, then we’ll help you with that, too.” [Rushford
Dep., Doc. 228-11, at 47:18–25]. These are materially different communications about the very
feature that Plaintiffs say was uniformly misrepresented. Silent on availability, the sales script
cannot create a uniform misrepresentation regarding availability, and the oral testimony cited

confirms that what purchasers often heard depended on the agent, the season, and the questions
they asked. See Sprague, 133 F.3d at 398 (recognizing that statements that vary “based on the
person making the representation” defeat commonality). Because a reasonable decisionmaker
could find that purchasers heard materially different things about availability, the affirmative-
misrepresentation theory yields no cohesive yes-or-no answer for the class as a whole.
Plaintiffs’ strongest evidence to the contrary does not change things. Robert Morris, a
sales agent at Westgate, testified that Westgate’s sales agents are “told to follow the manual to
the T,” that “the information that [sales agents are] trained to give is only the information that’s
in the manual,” and that sales agents “don’t give them any other information,” which is “true
for all the sales reps.” [Morris Dep., Doc. 228-10, at 16:17–25, 21:2–17]. Taken at face value,

his testimony establishes uniformity in what the sales agents are volunteering, but it does not
establish uniformity about availability. Again, the sales manual is silent on availability, so an
instruction to convey “only” what is in the manual does not create any uniform statement about
availability. Availability is precisely the kind of subject that surfaces when a customer asks.
Mr. Brown’s testimony about “book early” confirms this. Uniformity in what the sales agents
volunteer from a manual in no way translates to uniformity in what they say about availability
when a customer asks about it.
Also, the materiality inquiry—i.e., “[w]hether, in the course of its uniform sales
presentation, Westgate made material misrepresentations . . . about its ‘floating use’ timeshare
product,” [Pls.’ Mem., Doc. 237, at pg. 23 (emphasis added)]—does not support a class-wide
answer. Under the TCPA, a representation or omission is deceptive only if it is material to a
reasonable consumer, and a seller’s duty to disclose extends only to material facts “not known
or reasonably discoverable by a purchaser exercising ordinary diligence.” Fayne v. Vincent, 301

S.W.3d 162, 177 (Tenn. 2009) (citations omitted). Both prongs turn on what each purchaser
knew and valued, and the record establishes class-wide differences as to what each purchaser
knew and valued. Mr. Gallegos, for instance, testified that he bought his unit “as an investment”
and was “just looking at profits,” that he did not understand the meaning of a “float unit” and
made no effort to learn it, and that he signed and initialed the purchase documents—including
the floating-use-plan acknowledgment—without even reading them because, in his words, “[i]t
was an investment.” [Gallegos Dep., Doc. 234-50, at 213:8–11, 221:14–222:2, 224:20–225:10].
On his testimony, a reasonable decisionmaker could find that availability under the floating-
use plan was immaterial to a purchaser like Mr. Gallegos who bought his unit as an investment,
whatever he was told about it, and at the same time material to another purchaser who bought

a unit, for instance, to use for vacation.
Variation in what each purchaser valued is not the only individualized consideration; a
reasonable decisionmaker could also find that a purchaser who entered a sale already aware of
the availability issues was not affected by their omission in the same way as a purchaser who
learned of the product for the first time. Ms. Moore, for example, testified that by the time of
her upgrade in 2013 she was already “having booking issues” and that “really nothing was ever
available.” [Moore Depo., Doc. 228-14, at 116:24-117:8]. Mrs. Spado testified that the ability
to “pick a different week each year” under the floating-use plan “was one of the things that we
did like.” [Laura Spado Dep., Doc. 234-17, at 42:10–13]. So whether the floating-use structure
was a benefit or a detriment depended on the individual purchaser’s preferences and how that
individual purchaser intended to use the unit.
In addition, the answer to whether sales agents “made material . . . omissions” about
Westgate’s floating-use plan during the pre-sale process would also vary from class member to

class member. [Pls.’ Mem., Doc. 237, at pg. 10 (emphasis added)]. For the alleged pre-sale
omissions to be cohesive for all the class members—to share “glue” that binds them together,
Wal-Mart, 564 U.S. at 352—they have to be material for all the class members, from one-time
purchasers to second and third-time purchasers (i.e., the class members who upgraded). After
all, Plaintiffs allege that Westgate’s deceptive acts did not cease when purchasers completed
their initial purchase of a unit but continued with sales agents’ efforts to convince purchasers to
upgrade:
The high-pressure sales tactics do not stop once Westgate completes a sale: existing
owners face constant pressure from Westgate agents and employees to upgrade to
nicer units. . . . Westgate agents . . . similarly attempt to pressure timeshare owners
to upgrade to a nicer property. . . . Because the profitability of Westgate’s timeshare
business largely depends on sales of new and upgraded units, the Resort devotes
substantial resources to high-pressure sales tours, during which dozens to hundreds
of prospective purchasers are brought each day through many of the nicest
timeshare units at the Resort.

[Third Am. Compl., Doc. 98, ¶¶ 42–43, 48].17 Whether an alleged omission is material is a question
of fact, Poole v. Union Planters Bank, N.A., 337 S.W.3d 771, 786 (Tenn. Ct. App. 2010), and the
answer to that question would vary for class members who were first-time purchasers and for class
members who were second and third-time purchasers.

17 Mrs. Spado testified that the successive pre-sale processes were basically the same: “I noticed over the
time periods of visiting that was very similar, like they use the same strategies, you know, the piece of paper with
what we call ‘the big math problem’ on it. Every single time you go, it was that same—you know, take the tour of the
place, let’s sit down and talk, here’s this big math problem. I mean, it was just very generic. So it would lead me to
believe that it was kind of, like, a game plan.” [Laura Spado Dep., Doc. 228-21, at 67:5–13].
A peek at the evidence related to the closing process show why. That evidence firmly
establishes that sales agents disclosed the floating-use plan to Ms. Moore, Ms. Gilliland, Mr.
Gallegos and Ms. Campbell, and Mr. and Mrs. Spado during the closing process, and each of
them acknowledged receipt of that disclosure. See supra pt. I at 6–8; see also [Ryan Spado

Dep., Doc. 234-16, at 198:20–24 (“Q: And at least with respect to you, Westgate sufficiently
explained the idea of a ‘floating week,’ correct? A: Yes.”); Closing Officer Training Guide,
Doc. 128, at pg. 98 (“Do you understand you have a floating use plan which allows you to float
your week and unit?”)]. Second and third-time purchasers like Ms. Moore and Mr. and Mrs.
Spado would have therefore entered into successive pre-sale processes with an awareness of the
floating-use plan that first-time purchasers entering into the pre-sale processes would not have
had. See [Defs.’ Resp., Doc. 234, at pg. 6 n.4 (arguing that Plaintiffs “ignore that Ms. Moore
and others upgraded . . . and already had knowledge and experience with . . . availability”); id. at
pg. 17 (“The Gillilands, Spados, and Moore all purchased upgraded timeshares; what they knew
or did not know about availability and reservations is different from proposed class members

who were first time purchasers.”)].
A sales agent’s failure to broach the floating-use plan in the pre-sale process may have
been material to a first-time purchaser but probably not so for a second or third-time purchaser
with prior knowledge of the floating-use plan. Plaintiffs would have to prove that sales agents’
non-disclosure of the floating-use plan to successive purchasers during successive pre-sale
processes was material to them despite their already-held knowledge of the floating-use plan.
The evidence therefore would vary from class member to class member, enabling a reasonable
decisionmaker to find that sales agents, during the pre-sale process, made material omissions
to some class members about the floating-use plan but not others. The dissimilarities between
first-time purchasers and second and third-time purchasers, as they relate to the materiality of
the alleged omissions about the floating-use plan, are fatal to commonality under Rule 23(a)(2).
See Wal-Mart, 564 U.S. at 350 (“Dissimilarities within the proposed class are what have the
potential to impede the generation of common answers.” (quotation omitted)).18

And narrowing the class to just first-time purchasers would not cure these deficiencies.
Even a class that is confined to first-time purchasers would still fall short on the affirmative-
misrepresentation theory, because, as the Court explained above, the sales manual is silent on
availability, and what each prospective purchaser was told on that subject came from different
conversations rather than from a uniform script. The variation in those conversations tracks the
sales agent doing the presenting and the questions that each prospective purchaser asked, not
the line between first-time and repeat purchasers. A narrower class definition therefore would
not generate the cohesive, class-wide answer that Rule 23(a)(2) demands, and the Court need
not invite further briefing on a refined class to deny certification. See Sprague, 133 F.3d at 398.
In sum, the Court cannot conclude that Plaintiffs’ question, “Whether, in the course of

its uniform sales presentation, Westgate made material misrepresentations or omissions about
its ‘floating use’ timeshare product,” is cohesive because a reasonable decisionmaker could
answer yes for some of the class members and no for other class members. Plaintiffs therefore
fail to meet their burden of proving commonality under Rule 23(a)(2), and they are not entitled
to class certification of their claim under the TTSA.

18 Plaintiffs, under Federal Rule of Civil Procedure 23(c)(5), also request the certification of a sub-class:
“Tennessee Time-Share Act and Civil Conspiracy Subclass: All residents of the United States and its territories who
purchased from Westgate an All Season “floating use plan” vacation timeshare property at the Westgate Smoky
Mountain Resort at Gatlinburg from September 25, 2014 through January 31, 2018.” [Pls.’ Mot., Doc. 228, at pg. 2
(emphasis added)]. But this sub-class suffers from the same dissimilarities because some proposed class members
upgraded between 2014 and 2018. See [Third Am. Compl., Doc. 98, ¶ 86 (alleging that Ms. Gilliland upgraded in
2016)]; see also [Gilliland 2016 Purchase Agreement, Doc. 234-47]. Certification of this sub-class is therefore not
appropriate. See Fed. R. Civ. P. 23(c)(5) (“When appropriate, a class may be divided into subclasses that are each
treated as a class under this rule.”).
2. Covenant of Good Faith and Fair Dealing (Count Seven)
Next, Plaintiffs allege that Westgate breached its purchase agreements with Plaintiffs
and the proposed class—and the covenant of good faith and fair dealing, specifically—through
their misrepresentations and omissions. [Third Am. Compl., Doc. 98, ¶ 224]. A claim for breach

of the covenant of good faith and fair dealing is not a freestanding one in Tennessee. Cadence
Bank, N.A. v. The Alpha Tr., 473 S.W.3d 756, 773 (Tenn. Ct. App. 2015), so in a class-action
suit for breach of the covenant, centrality depends on whether the proposed class frames its
questions in a way that resolves, or at a minimum affects, the elements of a claim for breach of
contract. Clippinger, 173 F.4th at 829–31. Those elements are: (1) the parties entered into an
enforceable contract, (2) one of the parties breached that contract, and (3) the breach resulted in
damages. Fed. Ins. Co. v. Winters, 354 S.W.3d 287, 291 (Tenn. 2011).
The Court begins with the issue of centrality, deciding whether Plaintiffs have come
forward with a question that they can trace to one of these three elements. Speerly, 143 F.4th at
319. Plaintiffs have come forward with two questions:

• “Whether Westgate’s uniform purchase contract adequately disclosed ‘the true
nature’ of Westgate’s floating use plan; and,

• If so,19 whether the floating use plan reasonably protected class members’ rights
to receive the benefits of the agreement into which they entered.”

[Pls.’ Mem., Doc. 237, at pg. 25]. Plaintiffs contend that these “common question[s] can be
resolved by yes-or-no answers.” [Id. at 10]. Westgate, however, asserts that Plaintiffs’ first
question “does not relate to any element of a breach claim” because whether it “adequately

19 Because Plaintiffs premise their second question on the outcome of the first question, the Court will treat
a failure to prove centrality for the first question as dispositive for the second question.
disclosed the floating use plan . . . does not answer whether [it] breached—i.e., failed to provide
contractually-required accommodations.” [Defs.’ Resp., Doc. 234, at pg. 15].
Tennessee courts recognize claims for breach of contract for a failure to disclose, see,
e.g., Ingram v. Sohr, No. M2012–00782–COA–R3–CV, 2013 WL 3968155, at *20 (Tenn. Ct.

App. July 31, 2013), and courts look to the contract to decide whether it imposed an obligation
on a party to disclose the information at issue, see id. at *20–21; see also E-Poch Props., LLC
v. TRW Auto. U.S., LLC, 286 F. App’x 276, 279–80 (6th Cir. 2008); White Consol. Indus., Inc.
v. Westinghouse Elec. Corp., 179 F.3d 403, 408–09 (6th Cir. 1999). The Court therefore starts
with the purchase agreement’s terms—terms that, according to Plaintiffs, were “materially
identical” for members of the proposed class—to decide whether Westgate had a contractual
obligation to disclose the floating-use plan’s “true nature.” [Pls.’ Mem., Doc. 237, at pg. 25].
See Clippinger,173 F.4th at 829 (“To decide whether the [proposed class’s] question will
automatically prove a ‘breach’ of the policy for every class member, we must consider the
policy’s terms.” (citations omitted)); id. at 831 (examining the policy’s terms to determine what

the defendant “promised”); see also [Pls.’ Mem., Doc. 237, at pgs. 25–26 (proposing that the
“answers to [Plaintiffs’] questions” on the breach-of-contract claim “can be determined” from
“the terms and conditions of Westgate’s uniform sales contract”)].
The purchase agreement contains one principal, material promise: Westgate promised
purchasers “ownership in fee simple,” with “possession of an Assigned Unit pursuant to the
Reservation System [as] set forth in the [Timeshare] Plan.” [Moore 2012 Purchase Agreement,
Doc. 234-34, at pg. 2]. If Westgate failed to provide purchasers with a fee-simple ownership
right according to the Timesharing Plan’s terms,20 then it breached the purchase agreements.

20 The Timesharing Plan states that “it is the express intent of this [document], which intent is consented to
by each Owner through acceptance of a conveyance of a Floating Unit Week hereunder, that certain Unit Weeks shall
Plaintiffs, however, do not allege that Westgate breached the purchase agreements by failing
to provide purchasers with a fee-simple ownership right according to the Timesharing Plan’s
terms. Instead, they allege that Westgate breached the purchase agreements by failing “to
adequately disclose . . . that [it] artificially restricted the availability of timeshare units.” [Third

Am. Compl., Doc. 98, ¶ 230].
No provision in the purchase agreement imposes a duty on Westgate to disclose the
workings of the floating-use plan. See Clippinger, 173 F.4th at 829 (observing that “no language
in the policy” imposed a duty on the defendant to use a “typical-negotiation adjustment” method
when calculating fair-market value and concluding that the proposed class’s question therefore
“has a centrality problem” on the element of breach of contract). Plaintiffs neither allege that the
purchase agreement contains such a provision nor identify any such provision under which this
duty arises, whether implicitly or explicitly. And the implied duty of good faith does not permit
parties to graft obligations into a contract that are not there. Id. at 831 (“Tennessee courts do not
recognize an independent good-faith cause of action, so parties cannot use this doctrine to add

duties to a contract that do not fall within its four corners.” (citations omitted)).
A jury’s answer to whether Westgate’s purchase agreements adequately disclosed the
true nature of Westgate’s floating-use plan does not resolve or affect whether Westgate was
contractually obligated to disclose the floating-use plan in the first place. Whether Westgate
was contractually obligated to make this disclosure is a question of contractual formation—the
first element of a breach-of-contract claim—and the common question of contractual formation
that Plaintiffs should have posed is whether Westgate entered into an enforceable agreement
to disclose the floating-use plan’s true nature. See id. at 828 (inquiring, as a “contract-formation

be part of the Floating Use Plan.” [Timesharing Plan, Doc. 234-15, at pg. 5]. It further states that, “[p]ursuant to the
Floating Use Plan,” units are available on a “‘first-come, first-served’” basis. [Id.].
question,” whether “State Farm enter[ed] an enforceable contract to pay the ‘actual cash value’
to class members when an accident destroyed their vehicles?”). This question would generate
a common answer of “no” for all class members—because, again, Plaintiffs do not identity any
provision requiring disclosure of the floating-use plan’s true nature in the purchase agreement,

and they do not allege that such a provision is part of the purchase agreement. See [Defs.’ Resp.,
Doc. 234, at pg. 21 (contending that “the only contractual duty owed was to comply with the
Timesharing Plan” and that “Plaintiffs seek to graft onto that an implied covenant to ‘adequately
describe the true nature’ of the floating use plan”)]. But Plaintiffs do not ask this question, and
the Court cannot ask it for them. See Nissan, 122 F.4th at 246 (“Civil Rule 23(a) requires the
plaintiff to identify ‘questions of law or fact common to the class.’” (emphasis added) (quoting
Fed. R. Civ. P. 23(a)); see also Speerly, 143 F.4th at 319 (“The plaintiffs must tie th[e] debated
question to ‘the relevant elements’ of th[e] claim[.]”) (emphasis added)).
While Plaintiffs’ failure to ask this common question of contractual formation does not
by itself upend commonality, see Speerly, 143 F.4th at 319 (stating that the class plaintiffs must

“identify only one question suitable for common proof” for each claim (citing Wal-Mart, 564
U.S. at 359)), Plaintiffs’ failure to point to any contractual provision that mandates Westgate’s
disclosure of the floating-use plan’s true nature does upend it. Without any evidence of such
a provision, a jury cannot answer either yes or no to Plaintiffs’ breach-related question, i.e.,
“Whether Westgate’s uniform purchase contract adequately disclosed ‘the true nature’ of
Westgate’s floating use plan.” [Pls.’ Mem., Doc. 237, at pg. 25 (emphasis added)]; see Clippinger,
173 F.4th at 828 (“Without a contract, State Farm had nothing to breach.” (citing Winters, 354
S.W.3d at 291)).
Their breach-related question, therefore, does not drive the resolution of their claim, and
neither can their follow-up question, which they premise on the first. Having failed to identify
a question that is central to the validity of their claim, Plaintiffs do not satisfy their burden of
proving commonality, and they are not entitled to class certification of this claim.21

3. Civil Conspiracy (Count Nine)
Lastly, Plaintiffs allege that Westgate participated in a civil conspiracy to sell timeshare
units to them and to the proposed class members without adequately disclosing that they were
purchasing a floating-use plan. [Third Am. Compl., Doc. 98, ¶ 238]. Plaintiffs seek certification
of their civil-conspiracy claim with a one-paragraph argument, in which they do not attempt to
identify any common questions or to trace those questions to the elements of their claim. Instead,
they argue that their claim “presents common questions by its nature.” [Pls.’ Mem., Doc. 237, at
pgs. 26–27].

A “[c]ivil conspiracy must have a predicate tort committed as part of the conspiracy.”
Franklin Constr. Grp., LLC v. Shore, 793 F. Supp. 3d 928, 947 (M.D. Tenn. 2025) (citing Knox
Trailers, Inc. v. Maples, 581 F. Supp. 3d 1000, 1019–20 (E.D. Tenn. 2022)). Because Plaintiffs’
conspiracy claim rests on the same misrepresentations and omissions that underlie their TTSA
and contract claims, and because Plaintiffs have failed to prove commonality on those claims,
the conspiracy claim built on the same conduct necessarily fails commonality for the same
reasons.22

21 Plaintiffs request the certification of a sub-class for their claim for breach of the covenant of good faith and
fair dealing: “Breach of Contract (Covenant of Good Faith and Fair Dealing) . . . All residents of the United States
and its territories who purchased from Westgate an All Season “floating use plan” vacation timeshare property at the
Westgate Smoky Mountain Resort at Gatlinburg from September 25, 2012 through January 31, 2018.” [Pls.’ Mot.
Doc. 228-1 at 19]. This sub-class, however, suffers from the same deficiencies in commonality as the originally
proposed class. Certification of this sub-class is therefore not appropriate.

22 Plaintiffs request the certification of a sub-class for their claim for civil conspiracy: “Civil Conspiracy
Subclass: All residents of the United States and its territories who purchased from Westgate an All Season “floating
In any event, Plaintiffs effectively call on the Court to “[c]ertify[] now” and “winnow[]
later, betray[ing] the Supreme Court’s imperative that plaintiffs ‘actually prove’” commonality.
Speerly, 143 F.4th at 329 (quoting Halliburton, 573 U.S. at 275). Again, Rule 23’s requirements
are “stringent,” Nissan, 122 F.4th at 246, command “precision across the board,” Ford, 86 F.4th

at 726, and place a burden on Plaintiffs to “affirmatively demonstrate” that they have satisfied
those requirements, Halliburton, 573 U.S. at 275 (quotation omitted). All of this is to say that
Rule 23(a) “requires” Plaintiffs to identify a question of law or fact common to the proposed
class, Nissan, 122 F.4th at 246 (emphasis added), and then “[t]he class must trace the question to
a legally salient element in each cause of action and show common proof will provide yes-or-no
answer to that factual/legal question,” Speerly, 143 F.4th at 319 (emphasis added) (citation
omitted).
Plaintiffs fail to do any of these things for their civil-conspiracy claim, relying instead on
their contention that this claim satisfies commonality “by its nature.” [Pls.’ Mem., Doc. 237, at
pg. 27]. Because “actual . . . conformance with Rule 23(a)” is “indispensable,” and not merely

optional, this contention cannot suffice to satisfy Rule 23(a)(2)’s stringent requirements. Falcon,
457 U.S. at 161. Plaintiffs are therefore not entitled to class certification of this claim.
IV. CONCLUSION
Plaintiffs fail to satisfy their burden of proving commonality for each of their claims.
They therefore fail to satisfy Rule 23(a)(2), and their Renewed Motion for Class Certification
and Appointment of Class Counsel [Doc. 228] is DENIED.

use plan” vacation timeshare property at the Westgate Smoky Mountain Resort at Gatlinburg from September 25,
2012 through January 31, 2018.” [Pls.’ Mot. at 2]. This sub-class, however, suffers from the same deficiencies in
commonality as the originally proposed class. Certification of this sub-class is therefore not appropriate.
SO ORDERED:

s/ Clifton L. Corker
United States District Judge

---

Source: Frix Law Library, https://www.frixlaw.com/law-library/cases/11342899. Public record. Not legal advice.