PHL_A #1663350 v1

IN THE UNITED STATES DISTRICT COURT

FOR THE EASTERN DISTRICT OF PENNSYLVANIA

KEVIN MITCHELL, :

:

Plaintiff, :

: CIVIL ACTION NO. 02-4442

v. :

:

EXPERIAN INFORMATION :

SOLUTIONS, INC.; CBA :

INFORMATION SERVICES; :

BP/CITIBANK SD; CAPITAL ONE :

BANK; CROSS COUNTRY BANK; :

DELL FINANCIAL SERVICES; :

ORCHARD BANK; PROVIDIAN :

FINANCIAL, :

:

Defendants. :

CAPITAL ONE BANK’S ANSWER TO PLAINTIFF'S COMPLAINT

Defendant Capital One Bank (hereafter “Bank”), by its undersigned attorneys, for 

its answer to plaintiff's complaint, says:

PRELIMINARY STATEMENT

1. Bank admits that plaintiff purports to assert the claims set forth in 

paragraph 1 of plaintiff’s complaint but denies that plaintiff is entitled to relief under any of 

those claims and specifically denies that Bank acted wrongfully or harmed plaintiff in any 

manner.

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PHL_A #1663350 v1 2

JURISDICTION AND VENUE

2-3. The averments contained in paragraphs 2 and 3 of plaintiff’s complaint set 

forth a legal conclusion and, therefore, Bank denies the averments as stated. To the extent 

paragraphs 2 and 3 set forth factual averments, Bank does not contest the jurisdiction of this 

Court or the venue of this action.

PARTIES

4-7. The averments contained in paragraphs 4 through 7 of plaintiff’s 

complaint set forth legal conclusions and, therefore, Bank denies the averments as stated. To the 

extent paragraphs 4 through 7 set forth factual averments, Bank lacks knowledge or information 

sufficient to form a belief as to the truth of the averments and, therefore, denies the averments.

8. The averments contained in paragraph 8 of plaintiff’s complaint set forth a 

legal conclusion and, therefore, Bank denies the averments as stated. To the extent paragraph 8 

sets forth factual averments, Bank admits that it is a national banking association and has offices 

in Glen Falls, Virginia, but denies the remaining factual averments.

9-12. The averments contained in paragraphs 9 through 12 of plaintiff’s 

complaint set forth legal conclusions and, therefore, Bank denies the averments as stated. To the 

extent paragraphs 9 through 12 set forth factual averments, Bank lacks knowledge or information 

sufficient to form a belief as to the truth of the averments and, therefore, denies the averments.

FACTUAL ALLEGATIONS

13-15. The averments contained in paragraphs 13 through 15 of plaintiff's 

complaint set forth legal conclusions and, therefore, Bank denies the averments as stated. To the 

extent paragraphs 13 through 15 set forth factual averments, Bank denies the averments.

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16-21. Bank lacks knowledge or information sufficient to form a belief as to the 

truth of the averments contained in paragraphs 16 through 21 of plaintiff's complaint and, 

therefore, denies those averments.

22-24. The averments contained in paragraphs 22 through 24 of plaintiff's 

complaint set forth legal conclusions and, therefore, Bank denies the averments as stated. To the 

extent paragraphs 22 through 24 set forth factual averments, Bank denies the averments.

25. Bank lacks knowledge or information sufficient to form a belief as to the 

truth of the averments contained in paragraph 25 of plaintiff's complaint and, therefore, denies 

those averments.

26. The averments contained in paragraph 26 of plaintiff's complaint set forth 

a legal conclusion and, therefore, Bank denies the averments as stated. To the extent paragraph 

26 sets forth factual averments, Bank lacks knowledge or information sufficient to form a belief 

as to the truth of the averments and, therefore, denies those averments.

27-30. The averments contained in paragraphs 27 through 30 of plaintiff's 

complaint set forth legal conclusions and, therefore, Bank denies the averments as stated. To the 

extent paragraphs 27 through 30 set forth factual averments, Bank denies the averments.

31. The averments contained in paragraph 31 of plaintiff's complaint set forth 

a legal conclusion and, therefore, Bank denies the averments as stated. To the extent paragraph 

31 sets forth factual averments, Bank lacks knowledge or information sufficient to form a belief 

as to the truth of the averments and, therefore, denies those averments.

32-33. The averments contained in paragraphs 32 and 33 of plaintiff's complaint 

set forth legal conclusions and, therefore, Bank denies the averments as stated. To the extent 

paragraphs 32 and 33 set forth factual averments, Bank denies the averments.

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CLAIMS

COUNT ONE - FCRA

(Plaintiff v. Experian and CBA)

34. Bank incorporates by reference its previous responses as though fully set 

forth herein.

35-39. The averments contained in paragraphs 35 through 39 of plaintiff’s 

complaint set forth legal conclusions and, therefore, Bank denies the averments as stated. To the 

extent paragraphs 35 through 39 set forth factual averments, Bank lacks knowledge or 

information sufficient to form a belief as to the truth of the averments and, therefore, denies the 

averments.

COUNT TWO - FCRA

(Plaintiff v. Citibank, Capital One, Cross Country, Dell, Orchard and Providian)

40. Bank incorporates by reference its previous responses as though fully set 

forth herein.

41. The averments contained in paragraph 41 of plaintiff's complaint set forth 

a legal conclusion and, therefore, Bank denies the averments as stated.

42-43. The averments contained in paragraphs 42 and 43 of plaintiff’s complaint 

set forth legal conclusions and, therefore, Bank denies the averments as stated. To the extent 

paragraphs 42 and 43 set forth factual averments, Bank denies the averments.

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COUNT THREE - DEFAMATION

(Plaintiff v. Experian and CBA)

44. Bank incorporates by reference its previous responses as though fully set 

forth herein.

45-54. The averments contained in paragraphs 45 through 54 of plaintiff’s 

complaint set forth legal conclusions and, therefore, Bank denies the averments as stated. To the 

extent paragraphs 44 through 54 set forth factual averments, Bank lacks knowledge or 

information sufficient to form a belief as to the truth of the averments and, therefore, denies the 

averments.

COUNT FOUR - DEFAMATION

(Plaintiff v. Citibank, Capital One, Cross Country, Dell, Orchard and Providian)

55. Bank incorporates by reference its previous responses as though fully set 

forth herein.

56-64. The averments contained in paragraphs 56 through 64 of plaintiff’s 

complaint set forth legal conclusions and, therefore, Bank denies the averments as stated. To the 

extent paragraphs 56 through 64 set forth factual averments, Bank denies the averments.

COUNT FIVE- CPL

(Plaintiff v. Experian and CBA)

65. Bank incorporates by reference its previous responses as though fully set 

forth herein.

66-69. The averments contained in paragraphs 66 through 69 of plaintiff’s 

complaint set forth legal conclusions and, therefore, Bank denies the averments as stated. To the 

extent paragraphs 66 through 69 set forth factual averments, Bank lacks knowledge or 

information sufficient to form a belief as to the truth of the averments and, therefore, denies the 

averments.

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PHL_A #1663350 v1 6

COUNT SIX - NEGLIGENCE

(Plaintiff v. Experian and CBA)

70. Bank incorporates by reference its previous responses as though fully set 

forth herein.

71-73. The averments contained in paragraphs 71 through 73 of plaintiff’s 

complaint set forth legal conclusions and, therefore, Bank denies the averments as stated. To the 

extent paragraphs 71 through 73 set forth factual averments, Bank lacks knowledge or 

information sufficient to form a belief as to the truth of the averments and, therefore, denies the 

averments.

COUNT SEVEN - NEGLIGENCE

(Plaintiff v. Citibank, Capital One, Cross Country, Dell, Orchard and Providian)

74. Bank incorporates by reference its previous responses as though fully set 

forth herein.

75-77. The averments contained in paragraphs 75 through 77 of plaintiff’s 

complaint set forth legal conclusions and, therefore, Bank denies the averments as stated. To the 

extent paragraphs 75 through 77 set forth factual averments, Bank denies the averments.

COUNT EIGHT – INVASION OF PRIVACY/FALSE LIGHT

(Plaintiff v. Experian and CBA)

78. Bank incorporates by reference its previous responses as though fully set 

forth herein.

79-81. The averments contained in paragraphs 79 through 81 of plaintiff’s 

complaint set forth legal conclusions and, therefore, Bank denies the averments as stated. To the 

extent paragraphs 79 through 81 set forth factual averments, Bank lacks knowledge or 

information sufficient to form a belief as to the truth of the averments and, therefore, denies the 

averments.

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COUNT NINE – INVASION OF PRIVACY/FALSE LIGHT

(Plaintiff v. Citibank, Capital One, Cross Country, Dell, Orchard and Providian)

82. Bank incorporates by reference its previous responses as though fully set 

forth herein.

83-85. The averments contained in paragraphs 83 through 85 of plaintiff’s 

complaint set forth legal conclusions and, therefore, Bank denies the averments as stated. To the 

extent paragraphs 83 through 85 set forth factual averments, Bank denies the averments.

JURY TRIAL DEMAND

86. Bank admits that plaintiff purports to demand a trial by jury. To the extent 

plaintiff asserts that he is entitled to a trial by jury, the assertion sets forth a legal conclusion and, 

therefore, Bank denies the averments as stated.

AFFIRMATIVE DEFENSES

First Defense

Plaintiff fails to state a claim upon which relief can be granted.

Second Defense

Bank did not commit any wrongful, illegal or inappropriate acts.

Third Defense

Plaintiff’s claims are barred by the applicable statute of limitations.

Fourth Defense

Bank is immune, in whole or in part, from plaintiff’s claims.

Fifth Defense

Any statements made by Bank were true at the time they were made.

Sixth Defense

Any statements made by Bank were privileged at the time they were made.

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Seventh Defense

Plaintiff’s claims are pre-empted, in whole or in part.

Eighth Defense

Plaintiff did not suffer any damages as a result of the conduct of Bank.

Ninth Defense

Plaintiff failed to mitigate his damages.

Tenth Defense

To the extent plaintiff suffered damages, none being admitted, they were caused 

by third persons over which Bank exercised no control.

WHEREFORE, Capital One Bank demands judgment in its favor and against 

plaintiff, together with such other relief, including costs and attorneys’ fees as the Court deems 

just and proper.

Respectfully submitted,

BALLARD SPAHR ANDREWS & INGERSOLL, LLP

By: _______________________________________

John K. Semler, Jr., Esquire

1735 Market Street, 51st Floor

Philadelphia, PA 19103-7599

215-864-8121

215-864-9283 (Fax)

Attorneys for Capital One Bank

Dated: September 9, 2002

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CERTIFICATE OF SERVICE

I, John K. Semler, Jr., Esquire hereby certify that I have caused a true and correct 

copy of Capital One Bank’s Answer to Plaintiff’s Complaint to be served this date, by first class 

mail, upon:

Mark D. Mailman, Esquire

Francis & Mailman, P.C.

Land Title Building, 19th Floor

Philadelphia, PA 19110

Dated: September 9, 2002 _____________________________________

John K. Semler, Jr.

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