Andrichyn v. TD Bank, N.A.

MEMORANDUM

JOYNER, District Judge.

Before the Court are Defendant’s Motion to Dismiss (Doc. No. 23), Plaintiffs’ Response in Opposition thereto (Doc. No. 25), and Defendant’s Reply in Further Support thereof (Doc. No. 27). For the reasons below, the Motion to Dismiss is GRANTED. An Order follows.

I. BACKGROUND

This putative class action arises from Defendant TD Bank’s processing of debits from so-called “payday lenders.” Plaintiffs claim that TD’s conduct violated (1) its contractual duties, (2) New York and Pennsylvania common law, and (3) those states’ consumer protection laws.

Payday loans are…