White v. Wells Fargo Bank, NA

MEMORANDUM OF OPINION AND ORDER

DAN AARON POLSTER, District Judge.

Before the Court is Defendant’s Motion to Dismiss (“Motion”) (Doc #: 7). The Court has reviewed the motion, the opposition brief (Doc # : 19), and the reply brief (Doc # : 22). For the following reasons, the Motion is GRANTED in part and DENIED in part.

I. Background

On October 24, 2008, Plaintiffs Laneeka White and Timothy Reese bought a *759car from Cresmont Chrsyler Jeep in Beachwood, Ohio. To finance the car, they entered into a Retail Installment Sales Contract with Cresmont. Cresmont subsequently assigned the contract to…