Stallard v. Bank of America, N.A., No. 1:2015cv00416 - Document 21 (E.D. Va. 2015)
Court Description: MEMORANDUM OPINION: For the reasons stated above, the defendant's Motion for Summary Judgment will be granted by an appropriate Order to be issued with this Memorandum Opinion. Signed by District Judge Leonie M. Brinkema on 9/22/15. (yguy)
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Stallard v. Bank of America, N.A. Doc. 21 IN THE UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF VIRGINIA Alexandria Division JOSEPH A. STALLARD, Plaintiff, l:15-cv-416(LMB/JFA) V. BANK OF AMERICA, N.A., Defendant. MEMORANDUM OPINION Before the Court is defendant Bank of America's Motion for Summary Judgment [Dkt. No. 13]. For the reasons that follow, the motion will be granted. I. BACKGROUND This civil action concerns pro se plaintiff Joseph A. Stallard's allegations that defendant Bank of America ("Bank" or the "defendant") violated state and federal law by charging Stallard excessive interest rates. Complaint [Dkt. No. 1] ("Compl.") ^ 3. In March of 2006, Stallard opened an unsecured revolving credit account ("the account") with the defendant's predecessor, MBNA America ("MBNA"). Defendant Bank of America's Answer and Affirmative Defenses [Dkt. No. 3] ("Answer") at 2. Stallard alleges that MBNA and the defendant had already merged at that point, meaning that he opened the account with the Bankratherthan with its predecessor. Plaintiffs Opposition to Defendant's Motion for Summary Judgment [Dkt. No. 16] ("Opp'n") at 1. The account had an initial credit line of $5,000. Defendant Bank of America's Memorandimi in Support of its Motion for SummaryJudgment [Dkt. No. 14] ("MSJ Br.") at 3. Upon opening the account Stallard made a balance transfer to the account of $4,348. Id Dockets.Justia.com
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