Opinion ID: 180506
Heading Depth: 3
Heading Rank: 1

Heading: Consumer

Text: I.C. System contends that the money at issue here was proceeds from a commercial sale in which Oppenheim was the seller. Since the FDCPA concerns the obligations of a consumer, [5] not a seller, I.C. System argues that the FDCPA cannot apply to Oppenheim's payment obligations to PayPal. However, I.C. System conflates two connected, but separate transactions. The first transaction concerned the laptop sale between Oppenheim, as seller, and the fraudulent Craigslist purchaser, as buyer. The second transactionand the relevant transaction for purposes of this action concerned the services provided by PayPal to Oppenheim, pursuant to the terms delineated in the User Agreement. In this second transaction, as purchaser of PayPal's services, Oppenheim embodies the role of consumer. The mere fact that he consumes PayPal's services in order to facilitate a separate sale does not thereby negate his consumer status with respect to PayPal.