Mwantembe v. TD Bank, N.A.

MEMORANDUM OPINION

SAVAGE, District Judge.

Introduction

In moving to certify this putative consumer class action against two banks that allegedly failed to disclose the deduction of dormancy fees1 from gift cards prior to their expiration date, the plaintiffs seek to represent all Pennsylvania residents who pur*550chased from or received gift cards issued by Commerce Bank and TD Bank between 2004 and the present, and whose cards were assessed a dormancy fee. As characterized by the plaintiffs, the “core” issue is whether the banks violated Pennsylvania’s consumer protection law by failing to provide…