COURT OF APPEALS
EIGHTH DISTRICT OF TEXAS
EL PASO, TEXAS
§
ROBERT G. HOULE, No. 08-16-00234-CV
§
Appellant, Appeal from
§
v. County Court at Law No. 5
§
CAPITAL ONE BANK (USA), N.A., of El Paso County, Texas
§
Appellee. (TC # 2015-CCV01442)
§
OPINION
We withdraw our Opinion of September 28, 2018, and substitute this opinion in its place.
We deny Appellant’s motion for rehearing.
This is a traditional summary judgment case arising from alleged non-payment of a credit
card account. Appellant Robert G. Houle appeals the trial court’s grant of summary judgment in
favor of Appellee, Capital One Bank (USA), N.A. (“Capital One”). We affirm the trial court’s
judgment.
PROCEDURAL BACKGROUND
Houle entered into a credit card account agreement with Capital One in 1998. In 2014,
Capital One filed its original petition in Justice Court, Precinct 3, Place 1 of El Paso County, and
therein asserted causes of action against Houle for breach of contract and account stated. Capital
One sought to recover $4007.72 from Houle on his account, which Capital One identified in its
petition as “XXXXXXXXXXXXXXXX.” Capital One also noted in its petition that Houle’s
account number had been redacted pursuant to Rule 21c(a)(2) and 508.2(a)(1)(B) of the Texas
Rules of Civil Procedure. TEX.R.CIV.P. 21c(a)(2)(Privacy Protection for Filed Documents),
508.2(a)(1)(B)(Debt Claim Cases, Petition, Contents, Credit Accounts). On July 31, 2015, the
Justice Court entered final judgment in favor of Capital One and awarded it the principal sum of
$4,007.72, without interest, and costs of court.
Houle appealed the Justice Court’s judgment to County Court at Law Number 5 (the trial
court), and Capital One filed a motion for summary judgment accompanied by a supporting brief.
In support of its motion for summary judgment, Capital One presented evidence in the form of an
affidavit executed by Diane Trittipoe, who averred that she is an employee of Capital One Services,
LLC, an agent and affiliate of Plaintiff Capital One Bank that provides services to Capital One in
relation to its credit card and banking practices. Trittipoe’s responsibilities as a Litigation Support
Representative provide her access to relevant Capital One systems and documents necessary for
validation of the information and statements made in her affidavit. In her affidavit, Trittipoe
states she has personal knowledge of the manner and method by which Capital One creates and
maintains certain business books and records, including computer records of customer accounts.
Trittipoe attached 183 pages of records to her affidavit as evidence of the applicable terms,
conditions, and activity related to the credit card account “ending in XXXXXXXXXXXXXXXX
issued to [Robert G. Houle] by [Capital One.]” Trittipoe does not represent that all records on the
account are attached to her affidavit nor represents that the records she has produced include all
records for a particular period of time. Although the account number on the statements has been
redacted, Trittipoe states that the records are originals or are exact duplicates of the originals.
2
The records include some, but not all, credit card account statements due in and between
the months of February 2008 and June 2013. The records show that the annual percentage rate
assessed on the account balance varied each month from a low of 13.43% to a high of 25.15%.
The rate often changed from month to month, and rarely remained constant for more than two or
more consecutive months. After Houle’s account became delinquent, the annual percentage rate
of 29.40% was applied to the account balance. The last account statement for the period of May
11, 2013 to June 10, 2013, shows a previous balance of $3,832.72, payment and credits of $0.00,
fees and interest charged in the sum of $175.00, and a new balance of $4,007.72, the sum which
Capital One sought to recover in its suit. That statement also includes contact information for
Capital One, a statement that Houle’s account has been “charged off,” which is described as a
status change from “past due,” as well as a notification that although Houle would remain
responsible for paying the balance on the account, Capital One would no longer charge Houle past
due, over limit, or membership fees.
In response, Houle asserted that Capital One’s motion for summary judgment should be
denied because a genuine issue of material fact exists regarding “the amount claimed by [Capital
One],” in part because the records attached to Trittipoe’s affidavit did not contain a statement for
the month of July 2010, and the interest rate on the account in June 2010 was shown to be 13.47%
but had increased to 29.40% in August 2010. Houle also complained of Trittipoe’s alleged lack
of personal knowledge to support the affidavit as well as the state of the records attached to the
affidavit.
The trial court granted final summary judgment in favor of Capital One. Houle appeals
the trial court’s judgment.
3
DISCUSSION
In his sole issue on appeal, Houle contends the trial court erred in granting Appellee’s
motion for summary judgment. This contention is based on Houle’s assertions that Capital One
failed to properly authenticate its business records through Trittipoe, that the records were
incomplete and contained conflicting inconsistencies, and that genuine issues of material fact exist
in relation to the interest rate assessed and changes thereto as well as the amount owed on his
Capital One account.
Standard of Review
We review a summary judgment de novo. Valence Operating Company v. Dorsett, 164
S.W.3d 656, 661 (Tex. 2005); Roth v. JPMorgan Chase Bank, N.A., 439 S.W.3d 508, 511-12
(Tex.App.--El Paso 2014, no pet.). To prevail on a summary judgment motion, the movant must
demonstrate that no genuine issues of material fact exist and that it is entitled to judgment as a
matter of law. TEX.R.CIV.P. 166a(c); Provident Life and Acc. Ins. Co. v. Knott, 128 S.W.3d 211,
215-16 (Tex. 2003); Nixon v. Mr. Property Management Company, Inc., 690 S.W.2d 546, 548
(Tex. 1985).
A movant for summary judgment must conclusively prove all elements of its cause of
action as a matter of law. TEX.R.CIV.P. 166a(c); see Rockwall Commons Associates, Ltd. v. MRC
Mortg. Grantor Trust I, 331 S.W.3d 500, 505-06 (Tex.App.--El Paso 2010, no pet.). If ordinary
minds could not differ as to the conclusion to be drawn from the evidence, a matter is conclusively
proven. Id. at 505. If the movant conclusively proves its right to summary judgment as a matter
of law, the burden then shifts to the non-movant to present evidence that raises a genuine issue of
material fact, precluding the summary judgment. Id.
4
When determining whether a disputed issue of material fact exists that would preclude
summary judgment, we regard all evidence in the summary judgment record in the light most
favorable to the non-movant, and indulge every reasonable inference and resolve any doubts in
favor of the non-movant. Walters v. Cleveland Regional Medical Center, 307 S.W.3d 292, 296
(Tex. 2010); Provident, 128 S.W.3d at 215-16. When a trial court’s summary judgment order
does not state the specific grounds for its ruling, we must affirm the judgment if any of the theories
advanced by Appellee’s motion are meritorious. Western Investments, Inc. v. Urena, 162 S.W.3d
547, 550 (Tex. 2005).
The standards for determining the admissibility of evidence is the same in a summary
judgment proceeding as at trial. See Seim v. Allstate Texas Lloyds, 551 S.W.3d 161, 163-64 (Tex.
2018)(per curiam), citing United Blood Servs. v. Longoria, 938 S.W.2d 29, 30 (Tex. 1997)(per
curiam); Rockwall Commons Associates, Ltd., 331 S.W.3d at 505-06. The admission or exclusion
of evidence rests in the sound discretion of the trial court. See Interstate Northborough
Partnership v. State, 66 S.W.3d 213, 220 (Tex. 2001), citing City of Brownsville v. Alvarado, 897
S.W.2d 750, 753 (Tex. 1995). Evidence presented in support of a summary judgment must be in
a form that would render the evidence admissible in a conventional trial. TEX.R.CIV.P. 166a(f);
see United Blood Services v. Longoria, 938 S.W.2d 29, 30 (Tex. 1997).
We apply an abuse of discretion standard when reviewing a trial court’s decision to admit
or exclude summary judgment evidence. Harris v. Showcase Chevrolet, 231 S.W.3d 559, 561
(Tex.App.--Dallas 2007, no pet.). The test for abuse of discretion is not whether, in our opinion,
the facts present an appropriate case for the trial court’s actions. Downer v. Aquamarine
Operators, Inc., 701 S.W.2d 238, 241-42 (Tex. 1985). Rather, it is a question of whether the trial
5
court acted without reference to any guiding rules and principles. Id. In other words, we must
determine whether the court’s rulings were arbitrary or unreasonable. Id. at 242. The mere fact
that a trial court may decide a matter within its discretionary authority in a different manner than
an appellate judge in a similar circumstance does not demonstrate that an abuse of discretion has
occurred. Id.
Preservation of Error
We first address Capital One’s assertion that Houle has failed to preserve this issue for our
review. The rules of error preservation applicable during trial also apply in summary-judgment
proceedings. TEX.R.APP.P. 33.1(a); see Seim, 551 S.W.3d at 164, citing Mansions in the Forest,
L.P. v. Montgomery Cty., 365 S.W.3d 314, 317-18 (Tex. 2012)(per curiam). Consequently, to
preserve a complaint for appellate review: (1) a party must complain to the trial court by way of a
timely request, objection, or motion; and (2) the trial court must rule or refuse to rule on the request,
objection, or motion. TEX.R.APP.P. 33.1(a); Mansions in the Forest, L.P., 365 S.W.3d. at 317.
The party asserting objections should obtain a written ruling at, before, or very near the time the
trial court rules on the motion for summary judgment or risk waiver. See TEX.R.APP.P. 33.1(a);
Dolcefino v. Randolph, 19 S.W.3d 906, 926 (Tex.App.--Houston [14th Dist.] 2000, pet. denied).
If the factual statements in an affidavit are “not obviously based on hearsay[,]” a defect is
purely formal. See Youngstown Sheet & Tube Co. v. Penn, 363 S.W.2d 230, 234 (Tex. 1962); see
also Ford Motor Co. v. Leggat, 904 S.W.2d 643, 645 (Tex. 1995)(affidavit not defective where
affiant swore before officer authorized to administer oaths that facts attested to were based on
personal knowledge; in absence of challenge to authenticity of affidavit, submission of a copy
provides no ground for rejection); Dolcefino v. Randolph, 19 S.W.3d 906, 927 (Tex.App.--Houston
6
[14th Dist.] 2000, pet. denied)(trial court may not consider hearsay evidence in ruling on motion
for summary judgment). When an affidavit suffers from a mere formal defect in form, a party
must object to the formal defect and secure a ruling from the trial court to preserve error.
TEX.R.CIV.P. 166a(f); see Seim, 551 S.W.3d at 166, citing Well Sols., Inc., 32 S.W.3d at 317.
Defects that are purely formal may not be raised for the first time on appeal. Well Sols., Inc. v.
Stafford, 32 S.W.3d 313, 317 (Tex.App.--San Antonio 2000, no pet.). Conversely, a party may
first complain on appeal about a purely substantive defect present in an affidavit. See Seim, 551
S.W.3d at 166, citing Well Sols., Inc., 32 S.W.3d at 317; Dailey v. Albertson’s, Inc., 83 S.W.3d
222, 225 (Tex.App.--El Paso 2002, no pet.). Unless an order sustaining the objection to summary-
judgment evidence is reduced to writing, signed, and entered of record, the evidence remains part
of the summary-judgment proof even if a party has objected to an opponent’s summary-judgment
evidence. See Seim, 551 S.W.3d at 166, citing Mitchell v. Baylor Univ. Med. Ctr., 109 S.W.3d
838, 842 (Tex.App.--Dallas 2003, no pet.).
Analysis
Houle asserts that he specifically objected in the trial court to information missing from
Diana Trittipoe’s affidavit when he observed that the affidavit “does not advise the court as to how
[Trittipoe] comes by that ‘personal knowledge.’” Houle also candidly acknowledges that the trial
court “did not comment on the objection.” Capital One counters that Houle not only failed to
secure the trial court’s ruling on this specific objection but also failed to obtain the trial court’s
ruling regarding his objection that Trittipoe failed to address the redaction of information in
account statements which she averred in her affidavit to be true and correct copies of original
documents. For these reasons, Capital One contends Houle has failed to preserve for our review
7
his trial court objections to Capital One’s summary judgment evidence. In reply, Houle asserts
that because the business records failed to satisfy the standard for summary judgment on the bases
that they were not properly authenticated, were incomplete, and contained conflicting
inconsistencies, “an actual objection was not necessary to preserve error.”
The record before us does not include a reporter’s record of any proceedings in the trial
court nor does it contain an express ruling by the trial court on Houle’s objections to Capital One’s
summary-judgment evidence. The trial court’s final summary judgment does include a Mother
Hubbard clause that declares “[a]ll relief not expressly granted is denied.” We look to Houle’s
response to Capital One’s motion for summary judgment to determine whether Houle preserved
error.
Conflicting Inconsistencies
On appeal, Houle complains in part that the business records used to support the summary
judgment “contained conflicting inconsistencies.” Houle’s brief includes a heading titled,
“Inconsistent Records,” in which he notes that the Capital One records attached to Trittipoe’s
affidavit are missing a record for July 2010, reflect an increased interest rate, and despite being
declared true and correct copies, have had the account number redacted. Unlike his appellate
complaint, in his response to Capital One’s motion for summary judgment, Houle did not globally
complain that the business records contain “conflicting inconsistencies.” To the extent that
Houle’s “conflicting inconsistencies” complaint may be deemed to stand independently of the
complaints set out under the “Inconsistent Records” portion of his brief, we find it is not preserved
for our consideration. TEX.R.APP.P. 33.1.
8
Defects of Form
In his response to the summary-judgment motion, Houle specifically complained in the
trial court:
Diana Trittipoe is not an employee of the Plaintiff, nor is she the custodian of
records for the Plaintiff. She is an employee of another company and simply
claims to have ‘personal knowledge of the manner and method by which Capital
One created and maintains certain business book and record, including computer
records of customer accounts.’ She does not advise the court as to how she comes
by that ‘personal knowledge.’ The Court should be suspicious of her affidavit
because she claims: ‘The attached records are the originals or exact duplicates of
the originals.’ She identifies the account as consisting of 16 ‘Xs.’ According to
the Defendant’s Affidavit, his account number did not consist of 16 ‘Xs’ but
contained a series of arabic numerals. It is apparent from examining the
documents attached as Plaintiff’s Exhibit A-1 that information has been redacted
from the original document and that these copies are not ‘exact duplicates’ which
is the express language of Rule 902 (10), Texas Rules of Evidence for
authentication by affidavit. The information set forth in the paragraph above has
already noted that the records are not complete, and now there are not the originals
or exact duplicates. The summary judgment evidence produced by Plaintiff will
not support a summary judgment.
On appeal, Houle complains that the records attached to Trittipoe’s affidavit were not properly
authenticated, were incomplete, and were not true and complete copies of the originals because
they bore redaction of Houle’s specific account number with Capital One.
These purported defects are purely formal. See Well Sols., Inc. v. Stafford, 32 S.W.3d 313,
317 (Tex.App.--San Antonio 2000, no pet.)(objection to deposition or affidavit, that is, statement
in writing of a fact or facts signed by party making statement, sworn to before officer authorized
to administer oaths, and officially certified to by officer under his seal of office, on basis that
statement does not establish foundation for statement is purely formal defect), citing Leggat, 904
S.W.2d at 645-46. Because Houle failed to object to the purported formal defects and secure a
ruling from the trial court in order to preserve error, he may not raise these complaints for the first
9
time on appeal. TEX.R.CIV.P. 166a(f); see Seim, 551 S.W.3d at 166, citing Well Sols., Inc., 32
S.W.3d at 317.
Although the Texas Supreme Court has recognized that an implicit ruling may be sufficient
to preserve an issue for appellate review, it has clarified that the trial court’s ruling must be clearly
implied by the record. See Seim, 551 S.W.3d at 166, citing In the Interest of Z.L.T., J.K.H.T.,
and Z.N.T., 124 S.W.3d 163, 165 (Tex. 2003). In Seim, the Court acknowledged the correct
reasoning of the San Antonio Court of Appeals in Well Sols., Inc. v. Stafford, 32 S.W.3d 313, 317
(Tex.App.--San Antonio 2000, no pet.) when that court declared:
[R]ulings on a motion for summary judgment and objections to summary
judgment evidence are not alternatives; nor are they concomitants. Neither
implies a ruling--or any particular ruling--on the other. In short, a trial court’s
ruling on an objection to summary judgment evidence is not implicit in its ruling
on the motion for summary judgment; a ruling on the objection is simply not
‘capable of being understood’ from the ruling on the motion for summary judgment.
See Seim, 551 S.W.3d at 165.
We agree that a trial court’s ruling on an objection to summary judgment evidence is not
implicit in its ruling on the motion for summary judgment. See Seim, 551 S.W.3d at 166, citing
Well Sols., Inc., 32 S.W.3d at 317. Moreover, that the trial court’s judgment in this case includes
a Mother Hubbard clause stating that “[a]ll other relief not expressly granted is denied[,]” does not
constitute a showing that the trial court ruled on Houle’s objections to Capital One’s summary
judgment evidence. See Lissiak v. SW Loan OO, L.P., 499 S.W.3d 481, 488 (Tex.App.--Tyler
2016, no pet.). We conclude the trial court did not implicitly rule on Houle’s objections to Capital
One’s summary-judgment evidence. See Seim, 551 S.W.3d at 166. As these complaints have
not been preserved, they are waived. TEX.R.APP.P. 33.1.
10
Personal Knowledge
Affidavits supporting a summary-judgment motion must be made on personal knowledge,
not supposition, and “shall set forth such facts as would be admissible in evidence, and shall show
affirmatively that the affiant is competent to testify to the matters stated therein.” TEX.R.CIV.P.
166a(f); TEX.R.EVID. 602 (“A witness may testify to a matter only if . . . the witness has personal
knowledge of the matter.”); Marks v. St. Luke’s Episcopal Hosp., 319 S.W.3d 658, 666 (Tex.
2010). An affidavit not based on personal knowledge is not legally sufficient. Id., 319 S.W.3d
at 666, citing Kerlin v. Arias, 274 S.W.3d 666, 668 (Tex. 2008)(per curiam).
Houle contends on appeal as he did in the trial court that Trittipoe failed to demonstrate
adequate personal knowledge underlying her testimony for proving up the attached Capital One
business records. We have previously held that a lack of personal knowledge, reflected in the
affiant’s testimony itself and not just as the lack of a formal recitation, is a defect of substance that
may be raised for the first time on appeal. Dailey v. Albertson’s, Inc., 83 S.W.3d 222, 226
(Tex.App.--El Paso 2002, no pet.).
To the extent Houle’s complaint may be said to constitute a defect of substance and may
be raised for the first time on appeal, we conclude it is without merit. The essence of his complaint
is that there is some reason to doubt whether Trittipoe’s testimony regarding Capital One’s record-
keeping procedures was based on her personal knowledge because she is employed by a Capital
One agent and affiliate rather than Capital One itself.
Trittipoe adequately demonstrates her competence to give the testimony she provided.
She testified that her responsibilities as a Litigation Support Representative provide her access to
all relevant systems and documents needed to validate the information she has supplied. Trittipoe
11
also explained that her personal knowledge of the manner and method by which Capital One
creates and maintains certain books and records, including computer records of customer accounts,
arises from the scope of her responsibilities as a Litigation Support Representative. In that
role, Trittipoe also declared that records of Houle’s credit card account ending in
“XXXXXXXXXXXXXXXX” were kept in the regular course of its business and that the account
is the subject of this suit.
The records are comprised of over 180 pages of documents that Trittipoe identifies as
related to Houle’s account with Capital One. Trittipoe identified the records as originals or exact
duplicates of the originals and established them to be Capital One’s business records containing
statements of activity on Houle’s account. The records reflect extensions of credit requested by
Houle and extended by Capital One, payments made by Houle and other credits, fees and interest
assessed on the account, installments due and owing, and account balances owed. Trittipoe
explained that the records contain the terms and conditions applicable to Houle’s account, and also
include the application Houle signed as well as copies of Houle’s payments on the account.
Trittipoe concludes her affidavit by stating, “As of the date of this affidavit, the amount due and
owing on the account is $4,007.72.”
Contrary to Houle’s suggestion, the rules of evidence do not require that the qualified
witness who lays the predicate for the admission of business records be their creator or have
personal knowledge of the contents of the record. See TEX.R.EVID. 803(6), 902(10)1; see also
Bridges v. Citibank (S.D.) N.A., No. 02-06-00081-CV, 2006 WL 3751404, at *2 (Tex.App.--Fort
1
Rule 902(10)(b) sets out a form affidavit to be used when introducing business records under Rule 803(6).
TEX.R.EVID. 902(10)(b), 803(6). Rule 902(10)(b) provides, however, that the form set out in the rule is not exclusive.
An affidavit that substantially complies with the affidavit set out in the rule will suffice. TEX.R.EVID. 902(10)(b);
see also Fullick v. City of Baytown, 820 S.W.2d 943, 944 (Tex.App.--Houston [1st Dist.] 1991, no writ).
12
Worth Dec. 21, 2006, no pet.)(mem.op.), citing In re K.C.P., 142 S.W.3d. 574, 578 (Tex.App.--
Texarkana 2004, no pet.). The witness is required only to have personal knowledge of the manner
in which the records were kept. See TEX.R.EVID. 803(6), 902(10); see also Bridges, 2006 WL
3751404, at *2.
We conclude that Trittipoe’s testimony adequately demonstrates the basis for her personal
knowledge of the manner and method by which Capital One kept its records and the other facts to
which she testified. Other Texas courts have considered similar affidavit testimony by such
personnel as adequate to establish the basis for the affiants’ personal knowledge and competence.
See, e.g., Damron v. Citibank (S. Dakota) N.A., 03-09-00438-CV, 2010 WL 3377777, at *3-4
(Tex.App.--Austin Aug. 25, 2010, pet. denied)(mem. op.); McFarland v. Citibank (S. Dakota),
N.A., 293 S.W.3d 759, 762 (Tex.App.--Waco 2009, no pet.)(affiant’s affidavit based on personal
knowledge derived from her work as a litigation analyst was not conclusory as it provided proper
basis for admitting business records); Wynne v. Citibank (S.D.) N.A., No. 07-06-000162-CV, 2008
WL 1848286, at *2 (Tex.App.--Amarillo Apr. 25, 2008, pet. denied)(mem.op.); Jones v. Citibank
(S.D.), N.A., 235 S.W.3d 333, 337 (Tex.App.--Fort Worth 2007, no pet.); Hay v. Citibank (S.D.)
N.A., No. 14-04-01131-CV, 2006 WL 2620089, at *3 (Tex.App.--Houston [14th Dist.] Sept. 14,
2006, no pet.)(substitute op.).
Genuine Issue of Material Fact
The four elements of a breach of contract claim are: (1) the existence of a valid contract;
(2) performance, or tendered performance, by the plaintiff; (3) breach of the contract by the
defendant; and (4) damages to the plaintiff resulting from that breach. Restrepo v. All. Riggers &
Constructors, Ltd., 538 S.W.3d 724, 740 (Tex.App.--El Paso 2017, no pet.), citing Velvet Snout,
13
LLC v. Sharp, 441 S.W.3d 448, 451 (Tex.App.--El Paso 2014, no pet.). A party is entitled to
relief for a stated account where: (1) transactions between the parties give rise to indebtedness of
one to the other; (2) an agreement, express or implied, between the parties fixes an amount due,
and (3) the one to be charged makes a promise, express or implied, to pay the indebtedness. Eaves
v. Unifund CCR Partners, 301 S.W.3d 402, 407-08 (Tex.App.--El Paso 2009, no pet.); McFarland
v. Citibank (South Dakota), N.A., 293 S.W.3d 759, 763 (Tex.App.--Waco 2009, no pet.); Dulong
v. Citibank (South Dakota), N.A., 261 S.W.3d 890, 893 (Tex.App.--Dallas 2008, no pet.).
Because an agreement on which an account stated claim is based can be express or implied, a
creditor need not produce a written contract to establish the agreement between the parties; an
implied agreement can arise from the acts and conduct of the parties. See Walker v. Citibank,
N.A., 458 S.W.3d 689, 692-93 (Tex.App.--Eastland 2015, no pet.), citing McFarland, 293 S.W.3d
at 763.
In response to Capital One’s motion for summary judgment, Houle filed an affidavit in
which he complained that Capital One’s documents were not original or exact duplicates of
account statements he had received, and noted both that his statements did not contain solid black
lines and his account number had numeric digits rather than the “Xs” contained in Capital One’s
summary judgment evidence. Houle acknowledged that although he had disputes with Capital
One regarding charges and credits to his account, Capital One later credited payment and refunded
a late penalty. Houle also complained that Capital One had increased its interest rate in an
arbitrary manner, specifically in July 2010 when he made a payment and Capital One purportedly
doubled the “interest rate,” and without specifying, he asserted in a conclusory manner that the
account is not true and correct and that he does not owe the amount Capital One claims is due.
14
There is no evidence in the record from Houle or Capital One regarding payments made in July
2010.
The evidence showed that Capital One and Houle entered into a credit card agreement, that
Capital One issued a credit card to Houle, that Houle used the credit card to make purchases, and
that Houle made payments on the account. Evidence of the card-member agreement was
presented to the trial court through Trittipoe’s affidavit. The agreement provides that Capital One
would allow Houle to purchase goods and services with credit in exchange for payment.
According to the terms of the agreement, Capital One would assess interest charges based on the
application of the annual percentage rate, which varies as the index for the rate increases or
decreases, and in the event of two late payments, the variable annual percentage rate would
increase to an unspecified “penalty annual percentage rate.” The June 2010 statement having a
July 2010 due date shows an annual percentage rate of 13.52%. Further, the record showed that
Houle’s account was past due for six consecutive months, from January 2013-June 2013, with an
annual percentage rate of 29.40%, incurred past due and over limit fees, and was thereafter
“charged off,” with a final balance of $4007.72.
Based on the card-member agreement, Capital One’s extension of credit on Houle’s
account, Houle’s usage of the credit card and failure to pay on the account in accordance with the
terms of the agreement, and Capital One’s resulting damages, we conclude that Capital One
satisfied each element of its breach of contract cause of action and, if necessary for the account-
stated cause of action, conclude or reasonably infer that Houle agreed to pay a fixed amount equal
to the purchases and cash advances he made, plus interest. See Dulong, 261 S.W.3d at 894;
McFarland, 293 S.W.3d at 763-64 (cases holding creditor could collect debt on account stated
15
where, based on series of transactions reflected on account statements, creditor established that
card holder agreed to full amount shown on statements and impliedly promised to pay
indebtedness). We conclude that no genuine issue of material fact exists as a matter of law as to
any element of Capital One’s causes of action against Houle. Taking Houle’s affidavit as true,
and indulging every reasonable inference and resolving any doubts in his favor, we conclude that
Houle failed to satisfy his burden of presenting evidence that raises a genuine issue of material
fact. See Nixon, 690 S.W.2d at 548-49.
Moreover, with limited exceptions, Rule 21c requires that unless the inclusion of sensitive
data is required by statute, court rule, or administrative regulation, a document containing sensitive
data, including credit card numbers, may not be filed with the court unless that data is redacted.
See TEX.R.CIV.P. 21c(a)(2), (b). The rule requires that sensitive data be redacted by using the
letter “X” in place of each omitted digit or character or by other means specified therein. See
TEX.R.CIV.P. 21c(c). The redaction of Houle’s credit cards account data from the records
attached to Trittipoe’s affidavit in compliance with Rule 21c does not raise a genuine issue of
material fact as to any element of Capital One’s breach of contract and account stated claims.
The trial court did not err in granting summary judgment in favor of Capital One. Houle’s
sole issue on appeal is overruled.
CONCLUSION
The trial court’s judgment is affirmed.
December 19, 2018
ANN CRAWFORD McCLURE, Chief Justice
Before McClure, C.J., Rodriguez, and Palafox, JJ.
16