Citibank (South Dakota), N.A. v. Garabedian

Summary judgment was entered in this case for plaintiff Citibank (South Dakota), N.A (“Citibank”) on its claim for payment of the delinquent credit card account of defendant Charles Garabedian (“Garabedian”). Garabedian admitted that he applied for, received, and used the credit card in question, and did not dispute the account balance owed. Instead, Garabedian’s sole argument on this appeal is that this collection action by Citibank to recover his outstanding account balance was barred by the principles of res judicata.1

Citibank issued two credit cards to Garabedian: a MasterCard with a…