[Cite as Citibank N.A. v. Fornal, 2014-Ohio-3301.]

IN THE COURT OF APPEALS OF OHIO 

TENTH APPELLATE DISTRICT 

Citibank (South Dakota) N.A., : 

 Plaintiff-Appellee, : No. 11AP-300 

 (C.P.C. No. 10CV10-15716) 

v. : 

 (REGULAR CALENDAR) 

Kristin C. Fornal, aka Kristin C. Stahlman, : 

 Defendant-Appellant. : 

 

D E C I S I O N 

Rendered on July 29, 2014 

 

Javitch, Block & Rathbone, Melissa A. Hager and James Y. 

Oh, for appellee. 

Kristin C. Fornal, pro se. 

 

APPEAL from the Franklin County Court of Common Pleas 

DORRIAN, J. 

{¶ 1} This is an appeal by defendant-appellant, Kristin C. Fornal, from an entry of 

the Franklin County Court of Common Pleas granting summary judgment in favor of 

plaintiff-appellee, Citibank (South Dakota) ("Citibank"), in Citibank's action seeking 

recovery for alleged nonpayment due on a credit card account. 

{¶ 2} On October 27, 2010, Citibank filed a complaint against appellant, alleging 

default on a credit card account in the amount of $25,614.99. On May 16, 2010, appellant 

filed an answer pro se. In her answer, appellant stated that she generally denies the 

allegations based on lack of information and belief. She further stated, however, that, due 

to financial hardships, she does not have sufficient funds to pay the "full amount of the 

undisputed debt, if any." (Emphasis added.) The answer details the efforts appellant 
No. 11AP-300 2 

made to attempt to work out a plan to pay off the debt. Appellant states she is working 

with Legal Helpers Debt Resolution. The answer does not raise any defense or issue 

related to a validation notice or lack thereof. On February 2, 2011, Citibank filed a motion 

for summary judgment, including copies of credit card statements dating back to 

January 4, 2002. Appellant did not file a memorandum contra to Citibank's motion. By 

entry filed March 2, 2011, the trial court granted Citibank's motion and entered judgment 

in favor of Citibank for $25,614.99 plus interest at the statutory rate from the date of 

judgment plus court costs. Appellant filed an appeal, which was subsequently stayed by 

this court on September 26, 2011 due to appellant having filed a petition in bankruptcy. 

On April 17, 2014, this court vacated the stay of proceedings, and the appeal was 

submitted to this court for determination after the parties waived oral argument. 

{¶ 3} On appeal, appellant sets forth the following assignment of error for this 

court's review: 

The trial court erred by ordering judgment for the plaintiff in 

the amount of $25,614.99 plus interest at the statutory rate 

from the date of judgment plus court costs against the 

appellant when the appellant is working with Legal Helpers 

Debt Resolution to repay the debt owed to the Plaintiff. 

{¶ 4} We begin by noting that the brief appellant filed with this court does not 

comply with App.R. 16 in many respects, including that there is a lack of reference to the 

places in the record where any error is reflected (App.R. 16(A)(3)), there is no statement 

of the issues (App.R. 16(A)(4)), and the supporting argument does not clearly specify the 

contentions pertaining to the assignment of error (App.R. 16(A)(7)). 

{¶ 5} The argument appellant makes to support her assignment of error is that 

Citibank did not comply with "FDIC Consumer Protection Laws, Title VIII-Debt collection 

Practices: Section 809" [sic] regarding validation of debts. (Appellants brief, 3.) She 

states that, without receiving a validation notice, she did not have an opportunity to 

discuss payment options with Citibank or its counsel. 

{¶ 6} Appellant has not pointed us to any place in the record to show that she 

raised the issue of lack of a validation notice before the trial court. "A party who fails to 

raise an argument in the court below waives his or her right to raise it" on appeal. State 

ex rel. Zollner v. Indus. Comm., 66 Ohio St.3d 276, 278 (1993). See also State ex rel. Ohio 
No. 11AP-300 3 

Civ. Serv. Employees Assn., AFSCME, Loc. 11, AFL-CIO v. State Emp. Relations Bd., 104 

Ohio St.3d 122, 2004-Ohio-6363, ¶ 10, citing State ex rel. Quarto Mining Co. v. Foreman, 

79 Ohio St.3d 78, 81 (1997), quoting Goldberg v. Indus. Comm., 131 Ohio St. 399, 404 

(1936) (" 'Ordinarily, reviewing courts do not consider questions not presented to the 

court whose judgment is sought to be reversed.' "). Because appellant did not raise this 

issue below, we conclude that she failed to preserve any alleged error regarding the lack of 

notice. Furthermore, pursuant to App.R. 12(A)(2), we are free to disregard appellant's 

assignment of error when it is not separately argued and does not comply with App.R. 16. 

See App.R. 12(A)(2). Appellant has not separately argued how the trial court erred by 

entering judgment while she is working with Legal Helpers Debt Resolution. 

{¶ 7} Accordingly, we overrule appellant's assignment of error and decline to 

address the merits of the same. 

Judgment affirmed. 

KLATT and LUPER SCHUSTER, JJ., concur. 

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