Court Opinion

ID: 8678201
Source: CourtListenerOpinion
Date Created: 2022-11-25 03:30:29.041534+00
Date Added: 2024-06-11T16:57:26.916178
License: Public Domain

ORDER
Alfred McGee defaulted on his car loan. In a complaint bearing hallmarks of the “sovereign citizen” movement, see El v. AmeriCredit Fin. Services, Inc., 710 F.3d 748, 750 (7th Cir.2013); Bryant v. Washington Mutual Bank, 524 F.Supp.2d 753, 758-60 (W.D.Va.2007), McGee sued the lender, Nissan Motor Acceptance Corporation, because it would not honor a “bill of exchange” that, McGee said, made the United States Treasury responsible for his debt. Nissan counterclaimed for the loan balance and possession of the car. The district court granted Nissan judgment on the pleadings, and McGee appealed. We affirm in all respects the judgment in favor of Nissan.
McGee’s complaint theorizes that, under the Uniform Commercial Code as adopted in Illinois, Nissan’s refusal to recognize his bill of exchange operated as a discharge of the $13,009 debt. The complaint also alleges that Nissan’s silence about the bill of exchange in the company’s correspondence with him violated two criminal statutes, 18 U.S.C. § 241 (conspiracy against rights) and § 1341 (mail fraud). Nissan countered that McGee had breached the loan contract and also engaged in a deceptive practice by writing a bad check, see 720 ILCS 5/17 — 1(B), (E). The lender demanded the car and damages. In granting judgment for Nissan, the district court reasoned that McGee’s bill of exchange mimics those consistently rejected by other courts as worthless. The court awarded Nissan title to the car and $18,553, which includes costs and attorney fees.
McGee’s claims are frivolous. He does not state claims under § 241 or § 1341; both provisions are federal criminal statutes that do not provide a private right of action. See Central Bank of Denver, N.A. v. First Interstate Bank of Denver, N. A., 511 U.S. 164, 190, 114 S.Ct. 1439, 128 L.Ed.2d 119 (1994) (discussing reluctance to infer private right of action from criminal prohibitions); Andrews v. Heaton, 483 F.3d 1070, 1076 (10th Cir.2007) (concluding that § 241 does not provide private right of action); Wisdom v. First Midwest *556Bank, 167 F.3d 402, 408 (8th Cir.1999) (same for § 1341). McGee does not explicitly challenge the award on Nissan’s counterclaims, and we agree with the district court that McGee’s only defense to those counterclaims — that Nissan’s refusal to recognize his bill of exchange operated as a discharge — is likewise frivolous.
- Accordingly, the district court’s judgment is AFFIRMED.