Gensmer v. Capital One N.A.

IN THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF ALABAMA SOUTHERN DIVISION MICHELLE GENSMER, ) ) Plaintiff, ) ) v. ) CIVIL ACTION 18-0361-WS-M ) CAPITAL ONE N.A., ) ) Defendant. ) ORDER This matter comes before the Court on defendant Capital One, N.A.’s Motion to Dismiss (doc. 8). The Motion has been briefed and is now ripe. I. Background. Plaintiff, Michelle Gensmer, brought this putative class action against defendant, Capital One N.A., alleging a violation of the Truth-in-Lending Act,

15 U.S.C. §§ 1601

et seq. (“TILA”). According to the well-pleaded factual allegations of the…