[Cite as PCA Acquisitions L.L.C. v. Parson , 2020-Ohio-3218.]

IN THE COURT OF APPEALS OF OHIO FOURTH APPELLATE DISTRICT HIGHLAND COUNTY PCA ACQUISITIONS L.L.C., : : Plaintiff-Appellee, : Case No. 19CA15 : vs. : : ROBERT J. PARSON, : DECISION AND JUDGMENT : ENTRY Defendant-Appellant. :

APPEARANCES: Robert J. Parson, Hillsboro, Ohio, Appellant Pro Se. Yale R. Levy, Kathleen M. Smith, Levy & Associates, LLC, Columb us, Ohio, for Appellee. Smith, P.J. {¶1} Robert J. Parson (“Appellant”) appeals the June 25, 2019 e ntry of the Hillsboro Municipal Court, which granted PCA Acquisitions, L.L. C.’s (“Appellee’s”) motion for summary judgment, to which Appellant did not respond. Having reviewed the record, we find no merit to Appellant’s arg uments. Accordingly, we affirm the judgment of the trial court.

FACTS {¶2} On November 26, 2018, Appellee filed a complaint in the Hi llsboro Municipal Court. The complaint alleged that Appellee was the a ssignee ofHighland App. No. 19CA15 2 Appellant’s National Rifle Association (NRA) credit card accoun t. The complaint further alleged that Appellant owed the sum of $2,070.52 for mo ney due to Appellee via Appellant’s use of the credit card account, and th at Appellant had breached the account agreement for failing to make payments. T he complaint attached a copy of the account statement and demanded judgment for $2,072.52, plus interest. Appellant was properly served with the complain t. {¶3} On December 28, 2 018, Appellant filed a responsive pleadin g captioned “Private” and indicating it was a response to Appelle e’s counsel. For various reasons contained within the pleading, Appellant answer ed that the debt was uncollectable. The trial court scheduled the matter for a pretrial. {¶4} On February 6, 2019, Appellee filed a notice of service of written discovery requests, including requests for admissions. On Febr uary 22, 2019, Appellant filed a motion to dismiss the complaint. 1 On March 6, 2019, Appellant filed a response to the discovery requests. Also on March 6, 2 019, Appellant filed a pleading objecting to or denying all requests for admissions. {¶5} On March 8, 2019, Appellee filed Plaintiff’s First Motion for Extension of Time in order to respond to Appellant’s motion to dismiss. On March 11, 2019, the trial court granted the motion for extension and ordered Appellee

1 Actually, the pleading was titled “Notice of Motion and Motion Memorandum of Points and Authorities and Declaration of Robert J. Parson in Support of Motion to Dismiss Complaint and For Damages.”Highland App. No. 19CA15 3 reply to the motion to dismiss wi thin thirty days. On March 13 , 2019, Appellant filed requests for written discovery and requests for admission s. {¶6} On April 8, 2019, Appellee filed Plaintiff’s Motion to Cor rect the Record, pursuant to Civ.R. 15. I n the motion, Appellee asserte d that the creditor’s name in the original complaint should have been “First National Bank of Omaha,” not “National Rifle Association.” On April 9, 2019, the trial court granted the motion to correct the record and ordered that the complaint and court records be amended so that the original creditor’s name was changed from “ National Rifle Association” to “First National Bank of Omaha.” {¶7} On April 10, 2019, Appellee filed Plaintiff’s Memorandum i n Opposition to Defendant’s Motion to Dismiss. Also on April 10, 2019, the trial court denied the motion to dismiss. Appellee next moved the co urt for an extension of time to respond to Appellee’s first set of discove ry requests. On April 11, 2019, the trial court ordered that Appellee reply to the di scovery requests within thirty days. {¶8} On May 13, 2019, Appellant filed Defendant’s Request to St rike in Opposition to Plaintiff’s Motion for Summary Judgment. On May 16, 2019, Appellee filed both a Motion for Leave to File a Motion for Sum mary Judgment and a Motion for Summary Judgment. The trial court scheduled a hearing on June 26, 2019. On May 23, 2019, Appellee also filed Plaintiff’s Mem orandum inHighland App. No. 19CA15 4 Opposition to Defendant’s Motion to Strike. On May 29, 2019, t he trial court denied the motion to strike. {¶9} On June 21, 2019, the trial court denied Appellant’s reque st to strike. On June 25, 2019, the trial court granted both Appellee’s motio n for leave and the motion for summary judgment. This timely appeal followed.

ASSIGNMENT OF ERROR {¶10} Appellant's brief posits no assignments of error but does raise several issues. In light of our policy of extending considerab le leniency to pro se litigants, see State v. Esparza, 4th Dist. Washington No. 12CA42, 2013-Ohio2138, at ¶ 5; State v. Evans, 4th Dist. Pickaway No. 11CA24, 2013-Ohio-4143, at ¶ 7, fn. 2, we will consider those issues despite Appellant's f ailure to comply with App.R. 16(A)(3). State v. Cargile, 4th Dist. Scioto No.14CA3661, 2015-Ohio3629, at ¶ 5; See also, In re Estate of Poling , 4th Dist. Hocking No. 04CA18, 2005- Ohio-5147, at ¶ 18.

STANDARD OF REVIEW {¶11} Appellate review of summary judgment decisions is de novo , governed by the standards of Civ.R. 56. Turner v. Dimex, 4th Dist. Washington No. 19CA3, 2019-Ohio-4251, at ¶ 6; Vacha v. N. Ridgeville, 136 Ohio St.3d 199, 2013-Ohio-3020, 992 N.E.2d 1126, ¶ 19; Citibank v. Hine, 4th Dist. Ross, 2019- Ohio-464, 130 N.E.3d 924, at ¶ 27. Summary judgment is appropr iate if the partyHighland App. No. 19CA15 5 moving for summary judgment establishes that (1) there is no ge nuine issue of material fact, (2) reasonable minds can come to but one conclus ion, which is adverse to the party against whom the motion is made and, (3) t he moving party is entitled to judgment as a matter of law. Capital One Bank (USA) N.A. v. Rose , 4th Dist. Ross No. 18CA3628, 2018-Ohio-2209, 2018 WL 2749510, at ¶ 23; Civ.R. 56; New Destiny Treatment Ct r., Inc. v. Wheeler, 129 Ohio St.3d 39, 2011-Ohio2266, 950 N.E.2d 157, ¶ 24; Chase Home Finance, LLC v. Dunlap, 4th Dist. Ross No. 13CA3409, 2014-Ohio-3484, at ¶ 26. {¶12} The moving party has the initial burden of informing the trial court of the basis for the motion by pointing to summary judgme nt evidence and identifying parts of the record that demonstrate the absenc e of a genuine issue of material fact on the pertinent claims. Turner, supra, at ¶ 7; Dresher v. Burt, 75 Ohio St.3d 280, 293, 662 N.E.2d 264 (1996); Chase Home Finance, supra, at ¶ 27; Citibank, supra, at ¶ 28. Once the moving party meets this initial burden, the non-moving party has the recipro cal burden under Civ.R. 56(E) to set forth specific facts showing that the re is a genuine issue remaining for trial. Dresher, 75 Ohio St.3d at 293, 662 N.E.2d 264.

See also Rose, supra, at ¶ 24. {¶13} Pursuant to the above rule, a trial court may not enter s ummaryHighland App. No. 19CA15 6 judgment if it appears a material fact is genuinely disputed. Turner, supra, at ¶ 8; Ball v. MPW Indus. Servs., Inc., 2016-Ohio-5744, 60 N.E. 3d 1279 (5th Dist.) at ¶ 29, citing, Vahila v. Hall, 77 Ohio St.3d 421, 429, 674 N.E.2d 1164 (1997), citing Dresher v. Burt, 75 Ohio St.3d 280, 662 N.E.2d 264 (1996).

LEGAL ANALYSIS {¶14} In this case, Appellant did not file a response in opposi tion to Appellee’s motion for summary judgment. Civ.R. 56(E) provides in part that: When a motion for summary judgment is made and supported as provided in this rule, an adverse party may not rest upon the m ere allegations or denials of the party's pleadings, but the party' s response, by affidavit or as otherwise provided in this rule, m ust set forth specific facts showing that there is a genuine issue for trial. If the party does not so respond, summary judgment, if appropriate, shall be entered against the party. (Emphasis added.) {¶15} Thus, the fact that the non-moving party failed to file a timely response in opposition to the motion for summary judgment, stan ding alone, is not a proper basis on which to grant summary judgment. Calvalry SPV I LLC v. Taylor, 7th Dist. Mahoning No.17MA0107, 2018-Ohio-1765, at ¶ 16. “ ‘[E]ven if the non-moving party does not respond, summary judgment may be granted only ifHighland App. No. 19CA15 7 the movant has satisfied the prerequisites to summary judgment. ’ ” Calvalry,

supra , quoting, CitiMortgage, Inc. v. Firestone , 9th Dist. No. 25959, 2012-Ohio2044, ¶ 10. Here, despite Appel lant’s failure to file a respon sive pleading asserting that there are genuine issues of material fact, we must determi ne if the trial court’s ruling in favor of Appellee was appropriate. {¶16} Civil Rule 56(E) also provides: Supporting and opposing affidavits shall be made on personal knowledge, shall set forth such facts as would be admissible in evidence, and shall show affirmatively that the affiant is comp etent to testify to the matters stated therein. Sworn or certified copi es of all papers or parts thereof referred to in an affidavit shall be at tached thereto or served therewith. {¶17} In this case, in November 2 018, Appellee filed a suit for money lent to Appellant on an NRA Visa credit card issued to him. In Apri l 2019, Appellee filed a motion to correct the record to correct the pleadings t o indicate that the First National Bank of Omaha was the original creditor. Appellee als o asserted that Exhibit A attached to the complaint demonstrated that the First National Bank of Omaha was the servicer of th e NRA Visa credit card. {¶18} The trial court granted this motion. Exhibit A, Appellan t’s NRA Visa credit account statement demonstrates that on the statement, th e First NationalHighland App. No. 19CA15 8 Bank of Omaha is the contact name if a copy of Billing Rights i s requested. The First National Bank of Omaha is also the contact name for recei pt of any complaints regarding dissatisfaction with the NRA Visa credit c ard purchases. {¶19} In support of the motion for summary judgment, Appellant attached an affidavit made by Keona I. Berry, employed as a business ana lyst for Appellee. In the first paragraph, she averred that she had personal knowl edge of the facts from her review of the account information in the possession of Appellee. Her affidavit set forth the following additional facts: 2. Plaintiff purchased the receivable after it was in default from the credit grantor, First National Bank of Omaha, and succeeded to all rights that Plaintiff’s assignor had against Defendant. 3. This action is based upon a credit agreement entered into be tween Defendant and the credit grantor. Pursuant to the agreement, Defendant agreed to pay monthly installments to the credit gran tor. Upon information and belief, Defendant failed to make payments due pursuant to the agreement. 4. In the performance of my duties, I’m familiar with the mann er and method by which Plaintiff creates and maintains its normal busi ness books and records, including computer records of its collection accounts. Plaintiff maintains computer records of activity on the accounts that occurred since it purchased the accounts includin g payments received, amounts owing on such accounts, credits and debits, and also has computer records of the information that P laintiff acquired from its assignor. Entries are made in such com puter records only by individuals who have examined the account information at or near the time the events reflected in them oc curred or who have relied on account information from Plaintiff’s assi gnor. Plaintiff’s records were made in the regular course of business and it was the regular course of such business to make the records.Highland App. No. 19CA15 9 5. The balance, after all prior payments and credits have been allowed, due and owing to Plaintiff from Defendant is $2,070.52

. 6. Attached hereto are true and exact copies of documents refl ecting the transfer of ownership of this account from First National B ank of Omaha to Plaintiff. {¶20} In Bank of New York Mellon v. Bobo, 2015-Ohio-4601, 50 N.E.3d 229 (4th Dist.), this court discussed the applicable rules governing the Civ.R. 56(E) requirement that an affidavit be made on personal knowledge. “ ‘To be considered in a summary judgment motion, Civ.R. 56(E) requires an affidavi t to be made on personal knowledge, set forth such facts as would be admissible in evidence, and affirmatively show that the affiant is competent to testify to the matters stated in the affidavit.’ ” Bobo, supra , at ¶ 35, quoting, Fifth Third Mtge. Co. v. Bell, 12th Dist. Madison No. CA2013-02-003, 2013-Ohio-3678, ¶ 27, citing C iv.R. 56(E);

see also Wesley v. Walraven, 4th Dist. Washington No. 12CA18, 2013-Ohio-473, ¶ 24. “ ‘ “Absent evidence to the contrary, an affiant's state ment that his affidavit is based on personal knowledge will suffice to meet the require ment of Civ.R. 56(E).” ’ ” Bobo, supra, quoting, Bell at ¶ 27, quoting Wells Fargo Bank v. Smith , 12th Dist. Brown No. CA2012-04-006, 2013-Ohio-855, ¶ 16. “Addi tionally, documents referred to in an affidavit must be attached and must be sworn or certified copies.” Id ., citing Civ.R. 56(E). “Verification of these documents is generally satisfied by an appropriate averment in the affidavit , for example, that ‘such copies are true copies and reproductions.’ ” Id ., quoting State ex rel.Highland App. No. 19CA15 10 Corrigan v. Seminatore, 66 Ohio St.2d 459, 467, 423 N.E.2d 105 (1981); see also

Walraven at ¶ 31 (“Civ.R. 56(E)'s requirement that sworn or certified co pies of all papers referred to in the affidavit be attached is satisfied by attaching the papers to the affidavit with a statement contained in the affidavit that the copies are true and accurate reproductions.”) JPMorgan Chase Bank, Natl. Assn. v. Fallon, 4th Dist. Pickaway No. 13CA3, 2014-Ohio-525, ¶ 16. {¶21} In this case, Berry’s affidavit sets forth the necessary information to satisfy the requirements of Civ.R. 56(E). Berry specifically s tated in the first paragraph of her affidavit that it was based on her personal kn owledge of the facts obtained through her review of account records made in the cour se of her employment as a business analyst for Appellee. In the fourth p aragraph of Berry’s affidavit, she avers that in the performance of her job duties, she is familiar with the manner and method by which Appellee maintains its computeri zed business records of account activity. {¶22} Further, Berry’s affidavit included explicit statements t hat the documents attached were true and exact copies of documents refl ecting the transfer of ownership of the First National Bank of Omaha accounts to Ap pellee. See Parsons v. Thacker, 4th Dist. Vinton No. 13CA692, 2013-Ohio-4770, ¶ 11, quoting Deblasio v. Sinclair, 7th Dist. Mahoning No. 08-MA-23, 2012-Ohio-5848, ¶ 50, quoting State ex rel. Corrigan v. Seminatore, 66 Ohio St.2d 459, 467, 423Highland App. No. 19CA15 11 N.E.2d 105 (1981) (“ ‘ “The requirement of Civ.R. 56(E) that sw orn or certified copies of all papers referred to in the affidavit be attached i s satisfied by attaching the papers to the affidavit, coupled with a statement therein t hat such copies are true copies and reproductions” ’ ”); Freedom Mtge. Corp. v. Vitale , 5th Dist. Tuscarawas No. 2013 AP 08 0037, 2014-Ohio-1549, ¶ 26 (“Ohio law recognizes that personal knowledge may be inferred from the contents of an affidavit * * * [and] [t]he assertion of personal knowledge in an affidavit sat isfies Civil Rule 56(E) if the nature of the facts in the affidavit combined with the identity of the affiant creates a reasonable inference that the affiant has per sonal knowledge of the facts in the affidavit.”). {¶23} Appellant has raised the following issues on appeal:

1. Is it error for the trial court to not require Appellee to pres ent any signed written agreement between the parties? 2. Is it error for trial court to not require Appellee to authenti cate its evidence? 3. Is it error for the trial court to not require the debt collect or to properly validate the alleged debt before litigation? 4. Is it error for the trial court to not consider the Fair Debt C ollection Practices Act violations committed by Appellee or Appellee’s counsel? 5. Is it error for the trial court to not recognize Appellee’s lac k of privity? 6. Is it error for the trial court to not recognize Appellee’s lac k of consideration? 7. Is it error for the trial court to not rule on Appellant’s alte rnative defenses? 8. Is it error for the trial court to not rule on Appellant’s counterclaims?Highland App. No. 19CA15 12

9. Is it error for the trial court to not rule that counsel misrep resented the material facts? {¶24} Appellant filed no reply to Appellee's motion for summary judgment. As stated above, although the burden of showing that no genuine issue of material fact exists falls upon the party requesting summary judgment, o nce this has been shown the nonmoving party must then present evidentiary materia ls demonstrating that a material issue of fact does exist. Sheppard v. McSweeney’s Inc., 4th Dist. Lawrence No. CA-95-4, 1995 WL 571890 (Sept. 27, 1995), at *3; Wing v. Anchor Media, Ltd. of Texas, 59 Ohio St.3d 108, 111, 570 N.E. 2d 1095 (1991); Mitseff v. Wheeler, 38 Ohio St.3d 112, 115, 526 N.E.2d 798 (1988); Morehead v. Conley, 75 Ohio App.3d 409, 413, 599 N.E.2d 786, (4th Dist. 1991). “[T]he nonmoving party cannot rely on bare pleadings unsupported by evidentiary materi al.” Whiteleather v. Yosowitz , 10 Ohio Ap.3d 272, 275,461 N.E. 2d 1331, (8th Dist.1983). Rather, the nonmoving party has an obligation to present evidence in so me form permitted by Civ.R. 56(C) controverting the evidence presented by the mov ing party. Rayburn v. J.C. Penney Outlet Store , 3 Ohio App.3d 463, 464, 445 N.E.2d 1167 (10th Dist. 1982). {¶25} The record before us contains no response to plaintiff's motion for summary judgment. Appellant did not fulfill his obligation to present evidence controverting that proffered by Appellee. Consequently, there is no genuine issue of material fact, and reasonable minds could only conclude that Appellant owedHighland App. No. 19CA15 13 $2,072.52 on his credit card account to Appellee. Appellee is entitled to judgment as a matter of law, and the trial court did not err in granting Appellee's motion for summary judgment. Accordingly, Appellant’s assignment of error is overruled, and the judgment of the trial court is affirmed.

JUDGMENT AFFIRMED.Highland App. No. 19CA15 14

JUDGMENT ENTRY It is ordered that the JUDGMENT BE AFFIRMED and costs be assess ed to Appellant. The Court finds there were reasonable grounds for this appeal. It is ordered that a special mandate issue out of this Court di recting the Hillsboro Municipal Court to carry this judgment into execution

. A certified copy of this entry shall constitute the mandate pur suant to Rule 27 of the Rules of Appellate Procedure.

Abele, J. and Hess, J. concur in Judgment and Opinion. For the Court,

__________________________________ Jason P. Sm ith Presiding Judge

NOTICE TO COUNSEL Pursuant to Local Rule No. 14, this document constitutes a fina l judgment entry and the time period for further appeal commences from the date of filing with the clerk.