IN THE UNITED STATES DISTRICT COURT

FOR THE EASTERN DISTRICT OF VIRGINIA

Alexandria Division

RUBY LAMBERT, individually and onbehalf of all others similarly situated,

Plaintiff,

NAVY FEDERAL CREDIT UNION,

Defendant.

Civil No. l:19-cv-103-LO-MSN

Hon. Liam O'Grady

MEMORANDUM OPINION AND ORDER

This matter comes before the Court on Defendant's Motion to Dismiss for Failure to

State a Claim (Dkt. 19). The Motion is fully briefed, and the Court heard oral argument on May

24,2019. For the reasons stated below, and for good cause shown. Defendant's Motion to

Dismiss for Failure to State a Claim (Dkt. 19) is hereby GRANTED.

I. BACKGROUND

Plaintiff Ruby Lambert alleges that Defendant Navy Federal Credit Union charges

multiple nonsufficient fund fees for multiple attempts to process a single payment request in

violation of contractual language implying that only a single nonsufficient fund fee would ever

be charged for a payment request, no matter how many times that payment request is declined

for nonsufficient funds.

FlaintifTs contract with Navy Federal states that Navy Federal "may" assess "[a] fee"

"for each returned debit item." Navy Fed. Credit Union Important Disclosures (hereinafter

"Important Disclosures") at 4. Plaintiffs insurer. Mutual of Omaha, attempted to automatically

Case 1:19-cv-00103-LO-MSN Document 37 Filed 08/14/19 Page 1 of 14 PageID# 245

Case 1:19-cv-00103-LO-MSN Document 37 Filed 08/14/19 Page 2 of 14 PageID# 246

Case 1:19-cv-00103-LO-MSN Document 37 Filed 08/14/19 Page 3 of 14 PageID# 247

Case 1:19-cv-00103-LO-MSN Document 37 Filed 08/14/19 Page 4 of 14 PageID# 248

Case 1:19-cv-00103-LO-MSN Document 37 Filed 08/14/19 Page 5 of 14 PageID# 249

Case 1:19-cv-00103-LO-MSN Document 37 Filed 08/14/19 Page 6 of 14 PageID# 250

Case 1:19-cv-00103-LO-MSN Document 37 Filed 08/14/19 Page 7 of 14 PageID# 251

Case 1:19-cv-00103-LO-MSN Document 37 Filed 08/14/19 Page 8 of 14 PageID# 252

Case 1:19-cv-00103-LO-MSN Document 37 Filed 08/14/19 Page 9 of 14 PageID# 253

Case 1:19-cv-00103-LO-MSN Document 37 Filed 08/14/19 Page 10 of 14 PageID# 254

Case 1:19-cv-00103-LO-MSN Document 37 Filed 08/14/19 Page 11 of 14 PageID# 255

Case 1:19-cv-00103-LO-MSN Document 37 Filed 08/14/19 Page 12 of 14 PageID# 256

Case 1:19-cv-00103-LO-MSN Document 37 Filed 08/14/19 Page 13 of 14 PageID# 257

Case 1:19-cv-00103-LO-MSN Document 37 Filed 08/14/19 Page 14 of 14 PageID# 258