Case Name: Donald ASHER, Plaintiff, v. BANK ONE and Carol Mackenzie, Defendants
Court: United States District Court for the Northern District of Illinois
Jurisdiction: United States
Decision Date: 2008-04-28
Citations: 553 F. Supp. 2d 965
Docket Number: No. 05 C 6225
Parties: Donald ASHER, Plaintiff, v. BANK ONE and Carol Mackenzie, Defendants.
Judges: 
Reporter: Federal Supplement 2d
Volume: 553
Pages: 965–966

Head Matter:
Donald ASHER, Plaintiff, v. BANK ONE and Carol Mackenzie, Defendants.
No. 05 C 6225.
United States District Court, N.D. Illinois, Eastern Division.
April 28, 2008.
John N. Dore, Chicago, IL, for Plaintiff.
Dabeer M. Roshanali, Jpmorgan Chase, Allyson R. Behm, Rosa Maria Tumialan-Landy, Dykema Gossett Rooks Pitts PLLC, Phillip J. Bartolementi, Attorney at Law, Chicago, IL, for Defendants.
Carol Mackenzie, Lynwood, IL, pro se.

Opinion:
MEMORANDUM OPINION AND ORDER
ELAINE E. BUCKLO, District Judge.
Plaintiff Donald Asher has filed a complaint against defendants Bank One Chase Bank USA, N.A. ("Chase") and Carol Mac-Kenzie. Defendant Chase has moved for summary judgment on plaintiffs claim under the Truth in Lending Act ("TILA"), 15 U.S.C. § 1643, which I granted. The parties have now filed cross motions for summary judgment on plaintiffs breach of contract claim. For the following reasons, defendant's motion is granted.
I.
Chase moves for summary judgment on plaintiffs breach of contract claim on the grounds that it did not owe plaintiff any of the duties alleged in the complaint and because MacKenzie had apparent authority to incur the charges at issue. With respect to the first ground, the complaint alleges that
[Chase] owed Plaintiff a duty to determine that the credit card application for payments and the charges thereon were signed and authorized by the Plaintiff. [Chase] owed the Plaintiff a duty, either personally or through its agents and representatives, to examine each charge and application for credit purchase to determine if the signature thereon was authentic and in accord with the authority set forth in the credit card agreements.
(Compl. at ¶ 14-15.) Plaintiff concedes it has failed to provide copies of any agreement or other record to support the alleged contract. In the absence of any evidence of the terms of the allegedly breached agreements, plaintiff cannot prove breach of a contract. Accordingly, I need not decide the issue of apparent authority.
II.
For the foregoing reasons, defendant's motion for summary judgment is granted and plaintiffs motion for summary judgement is denied.
ENTER ORDER:
. The statement of the facts and summary judgment standard are incorporated from this court's previous Memorandum Opinion and Order.