RENDERED: APRIL 29, 2022; 10:00 A.M.
NOT TO BE PUBLISHED
Commonwealth of Kentucky
Court of Appeals
NO. 2021-CA-0199-MR
AMJAD ALKEISI APPELLANT
APPEAL FROM JEFFERSON CIRCUIT COURT
v. HONORABLE BARRY WILLETT, JUDGE
ACTION NO. 19-CI-002513
BANK OF AMERICA N.A. APPELLEE
OPINION
AFFIRMING
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BEFORE: ACREE, JONES, AND K. THOMPSON, JUDGES.
ACREE, JUDGE: Appellant, Amjad Alkeisi, appeals the Jefferson Circuit Court’s
order granting summary judgment in favor of Appellee, Bank of America. Having
reviewed the record, we affirm.
Bank of America filed this debt collection action on April 23, 2019,
alleging Alkeisi accumulated $30,434.69 in credit card debt and failed to make
payments on that credit card balance. Alkeisi filed his answer on May 9, 2019.
On November 17, 2020, about eighteen months after initiating the
action, Bank of America moved for summary judgment. A week later, on
November 25, Appellant served Bank of America with his response repeating the
substance of his answer to the complaint that he did not owe the money. He failed
to direct the circuit court to evidence in the record and presented no opposing
affidavit as permitted by CR1 56.03 to counter the bank’s proof for the
nonexistence of a genuine issue regarding the material facts. Instead, he noted his
simultaneous service of discovery on the bank and asserted his hope that, based on
the bank’s responses, he “may have a viable Counterclaim” and might learn that
Bank of America failed to pay for the “services/products [Alkeisi] allegedly
purchased . . . from the original creditor . . . .”
The circuit court granted summary judgment in favor of Bank of
America on December 30, 2020 – before Bank of America responded to Alkeisi’s
discovery requests. Alkeisi now appeals the order granting summary judgment,
arguing summary judgment was premature.
Bank of America argues summary judgment was proper because no
genuine issue of material fact existed as to the amount of Alkeisi’s liability. Bank
of America produced credit card records detailing the amount Alkeisi owed. An
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Kentucky Rules of Civil Procedure.
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accompanying affidavit showed the previous 27 months of credit card activity,
enumerating record of purchases, debits, credits, and payments on the account.
This affidavit showed a balanced owed of $30,434.69.
Alkeisi argues the circuit court granted summary judgment
prematurely and the discovery answers Bank of America failed to give would show
a genuine issue of material fact existed. Alkeisi argues, with no supporting
authority, the circuit court cannot grant summary judgment when discovery is
served on a party, that party has not responded to the discovery requests, and the
court had notice of this prior to granting summary judgment. We are not
persuaded by Alkeisi’s argument.
A circuit court properly grants summary judgment “if the pleadings,
depositions, answers to interrogatories, stipulations, and admissions on file,
together with the affidavits, if any, show that there is no genuine issue as to any
material fact and that the moving party is entitled to a judgment as a matter of
law.” CR 56.03. “An appellate court’s role in reviewing a summary judgment is
to determine whether the trial court erred in finding no genuine issue of material
fact exist[ed] and the moving party was entitled to judgment as a matter of law.”
Feltner v. PJ Operations, LLC, 568 S.W.3d 1, 3 (Ky. App. 2018). Thus, appellate
courts use de novo review when reviewing a circuit court’s order granting
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summary judgment. Cmty. Fin. Servs. Bank v. Stamper, 586 S.W.3d 737, 741 (Ky.
2019).
However, “where the movant shows that the adverse party could not
prevail under any circumstances” summary judgment is appropriate. Steelvest, Inc.
v. Scansteel Serv. Ctr., Inc., 807 S.W.2d 476, 480 (Ky. 1991). “[A] party opposing
a properly supported summary judgment motion cannot defeat that motion without
presenting at least some affirmative evidence demonstrating that there is a genuine
issue of material fact requiring trial.” Hubble v. Johnson, 841 S.W.2d 169, 171
(Ky. 1992) (citing Steelvest, 807 S.W.2d at 480). The nonmovant “cannot rely on
the hope that the trier of fact will disbelieve the movant’s denial of a disputed
fact . . . .” Steelvest, 807 S.W.2d at 481 (quoting Anderson v. Liberty Lobby, Inc.,
477 U.S. 242, 257, 106 S. Ct. 2505, 2514, 91 L. Ed. 2d 202 (1986)).
In debt collections matters, a plaintiff need only prove three elements
to be entitled to summary judgment. Bruner v. Discover Bank, 360 S.W.3d 774,
778 (Ky. App. 2012). The creditor must establish proof of the debt, proof of how
the debt was calculated, and proof the defendant is the person responsible for the
debt. Id. Bank of America’s motion and accompanying affidavit with Alkeisi’s
credit card record readily satisfy these three requirements. The evidence shows
Alkeisi owned the account, incurred debt on the account, and did not make
payments on the account. The 27-month ledger shows how Bank of America
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calculated the debt and how Alkeisi accumulated the debt. The credit card record
is 120 pages long.
In response to this evidence, Alkeisi must show a genuine issue of
material fact exists. Feltner, 568 S.W.3d at 3. Additionally, we are to view the
record in a light most favorable to Alkeisi, awarding summary judgment only if no
genuine issue as to any material fact exists which would make it impossible, as a
practical matter, for Alkeisi to prevail. Steelvest, 807 S.W.2d at 480, 483. “[T]he
term ‘impossible’ is to be used in a practical sense, not in an absolute sense.”
Patton v. Bickford, 529 S.W.3d 717, 723 (Ky. 2016). Additionally, Alkeisi has the
burden of showing what additional discovery is sought and why “facts essential to
justify his opposition” are not available. CR 56.06. Appellant failed to meet this
burden.
Appellant here may not rely on unanswered discovery requests to
overcome the evidence presented by Bank of America. Alkeisi argues that certain
pieces of requested discovery, if answered, could show a genuine issue of material
fact exists, and summary judgment should, therefore, not be granted until Bank of
America responds to those discovery requests. This argument merely relies on
“hope” that evidence creating a genuine issue will surface; it is insufficient to
overcome the summary judgment standard.
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Appellant has not stated any concrete reasons why these discovery
answers will provide evidence of a genuine dispute as to a material fact. Appellant
also has not advanced a theory of what potential evidence would be found that
defeats Bank of America’s motion. Appellant points to no authority suggesting the
circuit court must wait to grant summary judgment when there are discovery
requests gone unanswered. In reviewing Alkeisi’s response to summary judgment,
he merely hopes discovery will unearth evidence to reduce his credit card debt in
some way. Ultimately, Alkeisi advances no concrete evidence or potential
evidence hidden by discovery that could bring Bank of America’s debt collection
action into question.
Thus, the circuit court properly granted summary judgment.
Accordingly, we affirm.
ALL CONCUR.
BRIEFS FOR APPELLANT: BRIEF FOR APPELLEE:
Scott S. Simon Robert K. Hogan
Louisville, Kentucky Cincinnati, Ohio
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