Source: s3://data.kl3m.ai/documents/govinfo/USCOURTS/USCOURTS-almd-2_05-cv-01192/USCOURTS-almd-2_05-cv-01192-0/pdf.json

Nature of Suit Code: 890
Nature of Suit: Other Statutory Actions
Cause of Action: 15:1681 Fair Credit Reporting Act

---

Arzell Wilkerson, Anthony Wilkerson’s mother, filed suit against Capitol One alleging that a line 1

of credit was opened in her name with Capital One and that Capital One was liable for negligence,

defamation, and violating the Fair Credit Reporting Act. Capital One then brought a third party complaint

against Anthony Wilkerson who was served but never responded. 

 Capitol One is entitled to its attorneys’ fees and costs in defending the complaint and bringing the 2

third party complaint pursuant to the Customer Agreement that governs this credit card. The agreement is

binding on “anyone . . . who uses the account in any way” and requires such an individual “to pay all court

costs and collection expenses incurred by [Capital One] in the collection of any amount you owe us under

IN THE UNITED STATES DISTRICT COURT FOR

THE MIDDLE DISTRICT OF ALABAMA

NORTHERN DIVISION

ARZELL WILKERSON, )

)

Plaintiff, ) 

 )

v. ) CASE NO 2:05-cv-1192-WKW 

) WO

CAPITAL ONE BANK, )

 )

Defendant/ Third Party Plaintiff, )

)

v. )

)

ANTHONY WILERKSON )

)

Third Party Defendant. )

ORDER

This cause is before the court on Third Party Plaintiff Capital One Bank’s Motion for

Default Judgment (Doc. #33) and Amended Motion for Default Judgment (Doc. #34). By

its motion, Capital One seeks a default judgment against Third Party Defendant Anthony

Wilkerson in the amount of $52,980.86. Capital One filed documents under seal showing 1

that the balance on the credit card is $30,890.89; that its attorneys’ fees and costs in

defending the original complaint and bringing the third party complaint were $14.089.97,2

Case 2:05-cv-01192-WKW-SRW Document 36 Filed 11/26/07 Page 1 of 2
this Agreement. If you default and we refer your account for collection to an attorney who is not our salaried

employee, to the extent permitted by law, you agree to pay reasonable attorneys’ fees.” (Def’s. Ex. A.)

Because Anthony Wilkerson opened the credit card account here and used the card, he is bound by the

Customer Agreement and, accordingly, liable for attorneys’ fees.

and that its compensatory damages were $8,000.00. 

A default was entered against Anthony Wilkerson by the Clerk of the Court on April

3, 2007. (Doc. # 23.) Although given an opportunity to do so, Wilkerson has not objected

to an entry of default judgment and the award of damages, costs and injunctive relief against

him. The court finds the damages, including attorney’s fees and compensatory damages set

forth in the documents filed under seal, are reasonable and due to be awarded. Accordingly,

upon consideration of the motion and for good cause, it is hereby ORDERED that the Motion

for Default Judgment (Doc. # 33) and Amended Motion for Default Judgment (Doc. #34) are

GRANTED. 

An appropriate judgment will be entered in accordance with this Order.

DONE this 26th day of November, 2007.

 /s/ W. Keith Watkins 

UNITED STATES DISTRICT JUDGE

Case 2:05-cv-01192-WKW-SRW Document 36 Filed 11/26/07 Page 2 of 2