[Cite as Capital One Bank (USA) N.A. v. Ryan, 2014-Ohio-3932.]


                            IN THE COURT OF APPEALS OF OHIO

                                 TENTH APPELLATE DISTRICT

Capital One Bank (USA) N.A.,                       :

                Plaintiff-Appellee,                :
                                                                      No. 14AP-102
v.                                                 :              (M.C. No. 2013CVF-1810)

James M. Ryan, Jr.,                                :             (REGULAR CALENDAR)

                Defendant-Appellant.               :



                                        D E C I S I O N

                                 Rendered on September 11, 2014


                Javitch, Block & Rathbone, LLC, Stephanie F. Gilley,
                Mark Brncik and James Y. Oh, for appellee.

                James M. Ryan, Jr., pro se.

                      APPEAL from the Franklin County Municipal Court

CONNOR, J.
        {¶ 1} Defendant-appellant, James M. Ryan, Jr., appeals from a judgment of the
Franklin County Municipal Court granting the Civ.R. 56 motion for summary judgment
filed by plaintiff-appellee, Capital One Bank (USA), N.A. ("Capital One"). Because there
are no genuine issues of material fact and Capital One is entitled to judgment as a matter
of law, we affirm.
I. FACTS AND PROCEDURAL HISTORY

        {¶ 2} Capital One filed a complaint against Ryan on January 16, 2013, alleging
that Ryan owed Capital One $3,949.94 on a credit card account debt. Capital One alleged
that Ryan had defaulted on his repayment obligation, and that upon demand, Ryan had
failed to liquidate the balance due and owing.
No. 14AP-102                                                                                2


       {¶ 3} Capital One attached a credit card statement to the complaint. The credit
card statement covered the period from May to August 2012, and indicated that the
account was past due and that the outstanding balance on the account was $3,949.94. The
credit card statement instructed Ryan to make his checks payable to Capital One, and the
return address on the statement listed Capital One's name and address. The statement
also informed Ryan that his "account is being serviced by Capital One Services, LLC
unless you've been notified otherwise." (Complaint, exhibit A2.)
       {¶ 4} Ryan filed a Civ.R. 12(B)(6) motion to dismiss the complaint on April 3,
2013. Ryan noted that although Capital One was the plaintiff, the credit card statement
attached to the complaint referenced Capital One Services, LLC. Ryan thus asserted that
Capital One was not the real party in interest and did not have standing to bring the
action. Ryan further alleged that Capital One violated Civ.R. 10(D) by failing to attach a
copy of the account to the complaint. Capital One responded to the motion to dismiss on
April 15, 2013, noting that it was the real party in interest as it had issued the credit card
to Ryan and had never assigned the account to another party. Capital One noted that
Capital One Services, LLC was merely the servicing agent for Capital One.
       {¶ 5} On June 11, 2013, the trial court filed an entry stating that it would treat
Ryan's motion to dismiss as a Civ.R. 12(E) motion for a more definite statement. The trial
court noted that Capital One had attached a credit card statement reflecting the account
number and the balance due to the complaint, and denied the motion for a more definite
statement. On September 17, 2013, the trial court scheduled the case for an October 31,
2013 pretrial.
       {¶ 6} On October 31, 2013, Ryan filed a motion for leave to file a motion for
summary judgment and a motion for summary judgment. Ryan asserted in the motion for
summary judgment that Capital One had "not established any verification that Capital
One Bank (USA), N.A. was the original alleged lender or owner of the financial obligation
instrument that it alleges in its Complaint that Defendant Ryan entered into as an alleged
contract." (Emphasis sic.) (Motion for summary judgment, 3.) On November 15, 2013,
Capital One filed a memorandum in opposition to Ryan's motion for summary judgment,
noting that "there [was] no allegation of assignment in Plaintiff's complaint because there
has been no assignment." (Plaintiff's Memorandum in Opposition, 3.)
No. 14AP-102                                                                              3


       {¶ 7} On November 15, 2013, Capital One filed a motion for leave of court to file a
cross-motion for summary judgment instanter ("motion for leave"). The motion for leave
noted that a "copy of the Cross-Motion for Summary Judgment is attached hereto and
made a part hereof as if fully rewritten herein. Should the Court grant this Motion for
Leave, Plaintiff respectfully requests the Court deem the Cross-Motion for Summary
Judgment filed upon such date as the Motion for Leave is granted." (Motion for Leave, 1.)
The motion for leave does not contain a certificate of service indicating that it was served
on Ryan. On November 21, 2013, the trial court filed an order granting Capital One's
motion for leave. Accordingly, Capital One's cross-motion for summary judgment was
deemed filed on November 21, 2013.
       {¶ 8} In the cross-motion for summary judgment, Capital One noted that the
parties had entered into an agreement for the extension of credit in the form of a Capital
One Visa Platinum credit card account, account number xxxx-xxxx-xxxx-1642. Capital
One noted that Ryan thereafter received an extension of credit and "used the credit card
and accumulated a balance that remains due and owing." (Cross-Motion for Summary
Judgment, 4.)
       {¶ 9} Capital One supported its cross-motion for summary judgment with the
affidavit of Barbara S. Edwards. Edwards averred that she was an "employee of Capital
One Services, LLC (COSLLC), an agent and affiliate of Plaintiff Capital One Bank, (USA)
N.A. (Capital One)." (Edwards Affidavit, ¶ 1.) Edwards explained that "COSLLC provides
services to Capital One in connection with its credit card and related banking practices"
and that her "job responsibilities as Litigation Support Representative provided [her] with
access to all relevant systems and documents of Capital One needed to validate the below
information." (Edwards' Affidavit, ¶ 1.) Edwards noted that the business records
demonstrated that Ryan's credit card account had a balance of $3,949.94, that Capital
One had demanded payment, but that no part of the balance had been paid. Edwards'
affidavit incorporated by reference a copy of a customer agreement and one years worth
of credit card statements.
       {¶ 10} On November 25, 2013, Ryan filed a motion to strike plaintiff's cross-
motion for summary judgment because Capital One failed to serve the motion for leave on
Ryan. On December 4, 2013, Ryan filed a motion to vacate the trial court's order granting
No. 14AP-102                                                                               4


the motion for leave because Capital One had failed to attach a proof of service to the
motion for leave. Ryan thus asserted that, pursuant to Civ.R. 5(B)(3), the trial court could
not consider the motion for leave. Ryan attached his own affidavit to the motion to vacate,
averring that he did not receive service of the motion for leave but "[o]n November 25,
2013 [he] personally visited the Clerk of the Franklin County Municipal Court, Franklin
County Ohio and obtained a Certified copy of Plaintiff's Motion For Leave." (Ryan's
Affidavit, ¶ 3.)
       {¶ 11} Ryan filed a motion for an enlargement of time to file a memorandum in
opposition to plaintiff's cross-motion for summary judgment on December 5, 2013. On
December 20, 2013, Ryan filed another motion for an enlargement of time to file a
memorandum in opposition to the cross-motion for summary judgment. Ryan asserted
that he should not have to bear the expense of responding to the cross-motion for
summary judgment until the trial court ruled on his motion to strike and motion to
vacate.
       {¶ 12} On February 4, 2014, the trial court filed an entry granting Capital One's
cross-motion for summary judgment and denying Ryan's motion for summary judgment,
motion to strike, and motion to vacate. Regarding Ryan's contention that Capital One was
not the real party in interest, the trial court noted that "Capital One Bank is the Plaintiff
and the issuer of this card." (Entry, 2.) The trial court further noted that Capital One had
attached to its cross-motion for summary judgment credit card statements for the account
from May 2011 to May 2012, with a final statement sent in August 2012, depicting charges
and credits on the account. The trial court observed that Ryan "had ample time to file a
response" to the cross-motion for summary judgment, but "instead has chosen to file
frivolous motions with the court." (Entry, 3.) The trial court found no genuine issues of
material fact, and entered judgment for Capital One in the amount of $3,949.94 plus costs
and interest at the rate of three percent.
II. ASSIGNMENTS OF ERROR

       {¶ 13} Defendant appeals, assigning the following errors:

               [I.] The Trial Court committed reversible error pursuant to
               Ohio Rule of Civil Procedure 5(B)3 disregarding the fact that
               Capital One never served on Appellant its purported Plaintiff's
No. 14AP-102                                                                  5


           Motion For Leave of Court to File Cross-Motion For Summary
           Judgment INSTANTER (R@16); and Capital One failed to
           attach proof of service endorsed thereon or separately filed;
           and the Trial Court lacked jurisdiction to consider Capital
           One's purported Plaintiff's Motion For Leave of Court to File
           Cross-Motion For Summary Judgment INSTANTER(R@16).

           [II.] The Trial Court committed reversible error pursuant to
           Ohio Rule of Civil Procedure 56(A) disregarding the
           requirement that if the action has been set for pre-trial or
           trial, a motion for summary judgment may be made only with
           leave of court; and as the Trial Court lacked jurisdiction and
           could not consider Capital One's alleged Plaintiff's Motion For
           Leave of Court to File Cross-Motion For Summary Judgment
           INSTANTER (R@16) that violated Civ. R. 5(B) 3 and Civil R.
           5(B)(2) and was never served on Appellant; Capital One failed
           to obtain leave of court to file its PROPOSED Plaintiff's Cross-
           Motion For Summary Judgment (with tendered INSTANTER
           entry) (R@16).

           [III.] The Trial Court committed reversible error disregarding
           the response time created by the Ohio Rules of Civil
           Procedure to provide Appellant fourteen (14) days period of
           time for a reply to Capital One's alleged Motion For Leave of
           Court to File Plaintiff's PROPOSED Cross-Motion For
           Summary Judgment INSTANTER (R@16) thereby denying
           Appellant's fundamental substantive and/or procedural due
           process rights guaranteed by the Fourteenth Amendment of
           the United States Constitution and similar due process rights
           guaranteed by Article 1, Section 16 of the Ohio Constitution.

           [IV.] The Trial Court committed reversible error disregarding
           the fact that Capital One failed to serve on Appellant,
           Plaintiff's Cross-Motion For Summary Judgment (with
           tendered INSTANTER entry) (R@18) that should be dated
           11/19/2013, the date Plaintiff's Cross-Motion for Summary
           Judgment was "accepted as filed upon the date the Trial
           Court's Order was granted" on 11/19/2013 and filed on
           11/21/2013 (R@17).

           [V.] The Trial Court committed reversible error failing to hold
           Oral or Non Oral hearing according to Rule thereby denying
           Appellant's fundamental substantive and/or procedural due
           process rights guaranteed by the Fourteenth Amendment of
           the United States Constitution and similar due process rights
           guaranteed by Article 1, Section 16 of the Ohio Constitution.
No. 14AP-102                                                                            6



             [VI.] The Trial Court committed reversible error issuing a
             Judgment Entry (R@37) in favor of Capital One in the
             amount of $3,949.94 plus costs and interest at the rate of 3%
             as Capital One failed to prove "a provable [alleged] sum" of
             $3,402.35 failing to provide any evidence in the form of proof
             of any alleged debits or alleged credits that total $3,402.35 as
             an [alleged] beginning balance and Capital One did not allege
             a breach of contract claim in its Complaint (R@1).

             [VII.] The Trial Court committed reversible error by failing to
             strike the Affidavit of Barbara S. Edwards, Capital One's
             Exhibit '1 of Plaintiff's Cross-Motion For Summary Judgment
             (with tendered INSTANTER entry) (R@18) when presented
             with the contradictory written testimony evidence of Affiant,
             Barbara S. Edwards and Ms. Audra Funk, Esq. as to the true
             employee keeper of the records status of Affiant, Barbara S.
             Edwards on October 3, 2013, the date that Ms. Edwards
             attested; and genuine issues as to material fact were timely
             before the Trial Court pursuant to Civ. R. 56(C).

             [VIII.] Plaintiff's Cross-Motion For Summary Judgment (with
             tendered INSTANTER entry) (R@18) was against the
             manifest weight of the evidence in violation of Article IV,
             Section 3 of the Ohio Constitution.

             [IX.] The Trial Court erred in making its comment in its
             Judgment Entry (R@37) that Appellant "chose to file frivolous
             motions with the Court" the result of which is an unfounded
             inferring that Appellant engaged in conduct pursuant to ORC
             2323.51 which Appellant did not and strongly denies.

             [X.] The Trial Court erred by granting Plaintiff's Cross-Motion
             For Summary Judgment (with tendered INSTANTER entry)
             (R@18) because Capital One failed to establish a prima facie
             case for an action upon an account based on contract and the
             Trial Court's Judgment Entry (R@37) failed to address
             genuine issues of material fact.

      {¶ 14} For ease of discussion, we address Ryan's assignments of error out of order.
III. STANDARD OF REVIEW

      {¶ 15} Appellate review of summary judgment motions is de novo. Helton v.
Scioto Cty. Bd. of Commrs., 123 Ohio App.3d 158, 162 (4th Dist.1997). "When reviewing a
No. 14AP-102                                                                                7


trial court's ruling on summary judgment, the court of appeals conducts an independent
review of the record and stands in the shoes of the trial court." Mergenthal v. Star Bank
Corp., 122 Ohio App.3d 100, 103 (12th Dist.1997). We must affirm the trial court's
judgment if any of the grounds raised by the movant at the trial court are found to support
it, even if the trial court failed to consider those grounds. Coventry Twp. v. Ecker, 101
Ohio App.3d 38, 41-42 (9th Dist.1995).
       {¶ 16} Summary judgment is proper only when the party moving for summary
judgment demonstrates that: (1) no genuine issue of material fact exists, (2) the moving
party is entitled to judgment as a matter of law, and (3) reasonable minds could come to
but one conclusion and that conclusion is adverse to the party against whom the motion
for summary judgment is made, that party being entitled to have the evidence most
strongly construed in that party's favor. Civ.R. 56(C); State ex rel. Grady v. State Emp.
Relations Bd., 78 Ohio St.3d 181, 183 (1997).
       {¶ 17} When seeking summary judgment on the ground that the nonmoving party
cannot prove its case, the moving party bears the initial burden of informing the trial
court of the basis for the motion, and identifying those portions of the record that
demonstrate the absence of a genuine issue of material fact on an essential element of the
nonmoving party's claims. Dresher v. Burt, 75 Ohio St.3d 280, 293 (1996). A moving
party does not discharge this initial burden under Civ.R. 56 by simply making a
conclusory allegation that the nonmoving party has no evidence to prove its case. Id.
Rather, the moving party must affirmatively demonstrate by affidavit or other evidence
allowed by Civ.R. 56(C) that the nonmoving party has no evidence to support its claims.
Id. If the moving party meets this initial burden, then the nonmoving party has a
reciprocal burden outlined in Civ.R. 56(E) to set forth specific facts showing that there is a
genuine issue for trial and, if the nonmoving party does not so respond, summary
judgment, if appropriate, shall be entered against the nonmoving party. Id.
IV. FOURTH AND FIFTH ASSIGNMENTS OF ERROR – SERVICE OF CROSS
    MOTION FOR SUMMARY JUDGMENT

       {¶ 18} Ryan's fourth assignment of error asserts the trial court committed
reversible error by disregarding the fact that Capital One failed to serve the cross-motion
for summary judgment on Ryan. Ryan's fifth assignment of error asserts the trial court
No. 14AP-102                                                                               8


committed reversible error by failing to hold a hearing on the cross-motion for summary
judgment.
       {¶ 19} Ryan notes that the trial court granted Capital One's motion for leave on
November 21, 2013. The cross-motion for summary judgment was accordingly deemed
filed on that day. Ryan states that he "acknowledged receiving Capital One PROPOSED
Plaintiff's Cross-Motion For Summary Judgment (with tendered INSTANTER entry)
dated 11/15/2013," but states that he "was never served with Capital One's Cross-Motion
for Summary Judgment." (Appellant's brief, 27.)
       {¶ 20} Although Ryan refers to a "proposed" cross-motion for summary judgment,
there is no such document in the record. The record contains the motion for leave, the
order granting the motion, and the cross-motion for summary judgment. To the extent
Ryan's reference to a "proposed" cross-motion for summary judgment is meant to
indicate that Capital One had to refile the cross-motion for summary judgment after the
trial court granted Capital One's motion for leave, we note that "a trial court is within its
discretion to consider a pleading that is properly attached to a motion for leave to file
instanter." Lee v. Norton, 8th Dist. No. 88347, 2007-Ohio-534, ¶ 9.
       {¶ 21} The cross-motion for summary judgment contains a certificate of service
indicating that the motion was served on Ryan at the same address to which the
complaint was served, via regular U.S. mail on November 15, 2013. When the record
reflects that the Civil Rules pertaining to service have been followed, there is a
presumption of proper service. Potter v. Troy, 78 Ohio App.3d 372, 377 (2d Dist.1992).
"In the absence of evidence to the contrary, the address used by a plaintiff in a complaint
will be assumed to be an address where it is reasonable to anticipate that service will be
delivered to the defendant." In re Estate of Popp, 94 Ohio App.3d 640, 650 (8th
Dist.1994). Civ.R. 5(B)(2)(c) provides that service by mail is deemed completed once the
clerk has mailed the document. The certificate of service on the cross-motion for
summary judgment demonstrates that service was completed in accordance with Civ.R.
5. Accordingly, we may presume that the cross-motion for summary judgment was
properly served on Ryan.
No. 14AP-102                                                                             9


      {¶ 22} Under his fifth assignment of error, Ryan asserts that the trial court "failed
to hold an oral hearing" on the cross-motion for summary judgment. (Appellant's brief,
31.) Loc.R. 3.04(3) of the Franklin County Municipal Court provides as follows:
             All motions for summary judgment filed pursuant to Civil
             Rule 56 are hereby set for non-oral hearing on the fifteenth
             day following service of the motion upon the responding
             party. The adverse party shall serve and file opposing
             affidavits and memorandum prior to the day set for non-oral
             hearing. An oral hearing on a motion for summary judgment
             shall not be held or scheduled unless counsel so requests in
             accordance with paragraph (1) of this rule, or unless the judge
             assigned to the case so requires.

      {¶ 23} Capital One did not request an oral hearing on the cross-motion for
summary judgment, and the judge did not require it. Accordingly, the trial court was not
required to hold an oral hearing on the cross-motion for summary judgment. Ryan's
response to the cross-motion for summary judgment was due 14 days following service
of the motion. Civ.R. 56(C); Loc.R. 3.04(1) (noting that "[a]ll parties wishing to respond
in writing to a motion shall do so not later than the fourteenth day following service of
the motion upon the responding party"); Hooten v. Safe Auto Ins. Co., 100 Ohio St.3d 8,
2003-Ohio-4829, syllabus (noting that a court need not notify the parties of the date of
consideration of a motion for summary judgment if the court's local rules provide
sufficient notice of the hearing date). Although the motion was served on Ryan on
November 15, 2013, it was not deemed filed until November 21, 2013. Ryan thus had 14
days from November 21, 2013 to file a response to the cross-motion for summary
judgment. Ryan never filed a response to the cross-motion.
      {¶ 24} Ryan asserts, in the alternative, that at a January 27, 2013 hearing, the
trial court "altered the response time created by the Ohio Rules of Civil Procedure to
provide Appellant fourteen (14) days period of time for a reply to Plaintiff's Cross-
Motion For Summary Judgment * * * by stating that he * * * would be deciding the
motions." (Emphasis sic.) (Appellant's brief, 32.) By January 27, 2014, Ryan's 14-day
response period had already expired. Regardless, the trial court did not grant Ryan extra
time to respond to the cross-motion for summary judgment. At the January 2014
hearing, the trial court noted that it had several of Ryan's motions pending before the
No. 14AP-102                                                                                 10


trial court. The trial court asked Ryan if there were any other motions which he intended
to file, stating "[l]et's get it today, so I've got them all and I can deal with them, because I
have to deal with them first before we can start this trial, and there are quite a few." (Tr.
5-6.) The trial court did not indicate that it was providing Ryan with additional time to
respond to the cross-motion for summary judgment.
       {¶ 25} Based on the foregoing, Ryan's fourth and fifth assignments of error are
overruled.
V. FIRST, SECOND, AND THIRD ASSIGNMENTS OF ERROR – MOTION FOR
   LEAVE

       {¶ 26} Ryan's first assignment of error asserts that the trial court erred by
considering Capital One's motion for leave, as the motion did not contain proof of service
as required by Civ.R. 5(B)(3). Ryan's second assignment of error asserts that, because the
motion for leave was not served on Ryan, Capital One failed to obtain leave of court to file
its cross-motion for summary judgment. Ryan's third assignment of error asserts that the
trial court committed reversible error because it did not provide Ryan with 14 days to
respond to the motion for leave.
       {¶ 27} When a case "has been set for pretrial or trial, a motion for summary
judgment may be made only with leave of court." Civ.R. 56(A) and (B). When Capital One
sought to file its cross-motion for summary judgment on November 15, 2013, the case had
already been set for pretrial and trial. Accordingly, Capital One had to obtain leave of
court to file the cross-motion for summary judgment.
       {¶ 28} As Ryan asserts, there is no proof of service attached to the motion for leave.
Civ.R. 5(A) states that "every written motion other than one which may be heard ex parte
* * * shall be served upon each of the parties." Civ.R. 5(B)(3) provides that a "served
document shall be accompanied by a completed proof of service which shall state the date
and manner of service * * *. Documents filed with the court shall not be considered until
proof of service is endorsed thereon or separately filed." See also Nosal v. Szabo, 8th Dist.
No. 83974, 2004-Ohio-4076, ¶ 21 (noting that "[u]nlike the instances where an opposing
party has the burden to prove that it did not receive service of a filing even though there
was a properly signed proof of service, where there is no proof of service wither attached
No. 14AP-102                                                                                 11


to the filing or separately filed with the trial court, the trial court simply may not consider
the filing").
       {¶ 29} For the reasons that follow, however, we find the trial court's consideration
of the motion for leave to be harmless error. In a civil action, "[n]o error in * * * any ruling
or order or in anything done * * * by the court * * * is grounds for * * * disturbing a
judgment or order, unless refusal to take such action appears to the court inconsistent
with substantial justice." Civ.R. 61. "The court at every stage of the proceeding must
disregard any error or defect in the proceeding which does not affect the substantial rights
of the parties." Id. See also Grenga v. Smith, 11th Dist. No. 2001-T-0040 (Mar. 15, 2002)
(noting that while a party "may have technically violated Civ.R. 5(A), appellants have not
demonstrated how the failure to serve his motion upon the remaining appellees
prejudiced them" and concluding that any error in service "was harmless").
       {¶ 30} The granting of leave to file an untimely motion for summary judgment is
discretionary with the trial court. Brinkman v. Toledo, 81 Ohio App.3d 429, 432 (6th
Dist.1992); City Loan & Sav. Co. v. Howard, 16 Ohio App.3d 185, 189 (2d Dist.1984).
Accordingly, "a trial court's decision to grant leave to file will not be reversed absent an
abuse of discretion." Boyle v. City of Portsmith, 4th Dist. No. 99CA669 (Mar. 31, 2001).
See also Paramount Supply Co. v. Sherlin Corp., 16 Ohio App.3d 176, 180 (8th Dist.1984)
(noting that the party complaining about a court's decision to grant another party leave
must demonstrate prejudice).
       {¶ 31} A trial court may, "in exercise of its sound discretion, consider a motion for
summary judgment which has been filed, without express leave of court, after the action
has been set for pretrial or trial." Indermill v. United States, 5 Ohio App.3d 243 (9th
Dist.1982), paragraph one of the syllabus. This is so because "[l]eave of court may be
express or implied by the action of the court." Coney v. Youngstown Metro. Hous. Auth.,
7th Dist. No. 00-C.A.-251, 2002-Ohio-4371, ¶ 42. " '[W]here the acceptance of a motion
occurs by the grace of the court, the decision to accept is by itself leave of court.' " Meyer
v. Wabash Alloys, L.L.C., 8th Dist. No. 80884, 2003-Ohio-4400, ¶ 16, quoting Lachman
v. Wiermarschen, 1st Dist. No. C-020208, 2002-Ohio-6656. By "addressing [a] motion
for summary judgment [filed out of rule and without leave of court], the trial court
implicitly grant[s] leave to * * * file it." Smith v. Cincinnati Gas & Elec. Co., 75 Ohio
No. 14AP-102                                                                                 12


App.3d 567, 572 (1st Dist.2000); Meyer at ¶ 16 (when the court "acknowledged their
motion [for summary judgment filed without leave] and set a hearing date" the court
"showed that retroactive leave to file was granted"); Juergens v. Stang, Klkubnik and
Assoc., Inc., 96 Ohio App.3d 223, 234 (1994) (noting that "[t]he acceptance of the motion
[for leave to file a motion for summary judgment] by the court after the case has been set
for pretrial is in itself by leave of court albeit without the formal writing saying 'I seek the
leave of court' "); St. Paul Fire & Marine Ins. Co. v. Corwin, 6th Dist. No. WD-00-058
(May 18, 2001) (the trial court "impliedly granted Marx and Corwin leave to file their
motion for summary judgment when it considered and ruled on the motion").
       {¶ 32} Because the trial court could have implicitly granted Capital One leave to file
the cross-motion for summary judgment by simply accepting and acknowledging the
cross-motion, the trial court's order expressly granting the motion for leave filed without
proof of service amounts to harmless error. Moreover, Ryan fails to demonstrate how the
trial court's decision to grant the motion for leave prejudiced his case. After the trial court
granted Capital One's motion for leave and the cross-motion for summary judgment was
deemed filed, the trial court provided Ryan with well over 14 days to respond to the cross-
motion. As the trial court provided Ryan with a full and fair opportunity to respond to the
cross-motion for summary judgment, the trial court's decision to grant Capital One leave
to file the cross-motion did not prejudice Ryan's case or impair his substantial rights in
any way. Compare Boyle (noting that "[b]y allowing the appellee to file a late motion for
summary judgment and ruling on it before the deadline for filing a memorandum in
opposition to the motion, the trial court failed to allow appellants to properly prepare a
response" and thus abused its discretion); Duren v. Americare Columbus Nursing Ctr.,
10th Dist. No. 89AP-688 (June 28, 1990) (finding reversible error where the trial court
simultaneously granted a party leave to file a motion for summary judgment and ruled on
the motion for summary judgment); Capital One Bank v. Toney, 7th Dist. No. 06 JE 28,
2007-Ohio-1571, ¶ 50 (noting that "a mere four days after granting leave to seek summary
judgment instanter, the trial court entered summary judgment without waiting for a
response," thereby "violat[ing] Civ.R. 56(C), which requires the court provide the non-
movant at least fourteen days to respond and file opposing affidavits"); Cooper v.
Valvoline Instant Oil Change, 10th Dist. No. 07AP-392, 2007-Ohio-5930, ¶ 10 (noting
No. 14AP-102                                                                              13


that as "Valvoline filed its motion for summary judgment [out of rule and without leave of
court] two months prior to the scheduled trial date" and Cooper had "ample time to
respond to Valvoline's arguments in support of its motion for summary judgment," the
"[t]he record [was] devoid of any indication that the trial court's allowance of Valvoline's
motion for summary judgment prejudiced Cooper's case"); Coney at ¶ 44. Although the
trial court provided Ryan with ample time to do so, Ryan chose not to respond to the
cross-motion.
       {¶ 33} As Ryan's substantial rights were not affected by the trial court's order
granting the motion for leave which lacked proof of service, the trial court's consideration
of the motion for leave amounts to harmless error. We further find that the trial court did
not abuse its discretion in awarding Capital One leave to file the cross-motion for
summary judgment.
       {¶ 34} Based on the foregoing, Ryan's first, second, and third assignments of error
are overruled.
VI. SIXTH, EIGHTH, AND TENTH ASSIGNMENTS OF ERROR – SUMMARY
    JUDGMENT PROPERLY AWARDED ON AN ACCOUNT

       {¶ 35} Ryan's sixth assignment of error asserts that the trial court erred in entering
summary judgment in Capital One's favor, as Capital One failed to establish a provable
sum for the beginning balance on the credit card account. Ryan's eighth assignment of
error asserts that the cross-motion for summary judgment was against the manifest
weight of the evidence. Ryan's tenth assignment of error asserts that Capital One failed to
establish a prima facie case for an action based on an account.
       {¶ 36} In general, "[a]n action on an account is appropriate where the parties
have conducted a series of transactions for which a balance remains to be paid." Dept.
Stores Natl. Bank v. McGee, 7th Dist. No. 12 MA 103, 2013-Ohio-894, ¶ 16. Actions
seeking to collect on a credit card balance "constitute actions 'on an account.' " Id.,
quoting Toney at ¶ 34. "The purpose of an action on an account is 'to avoid the
multiplicity of suits necessary if each transaction between the parties (or item on the
account) would be construed as constituting a separate cause of action.' " Citibank v.
Lesnick, 11th Dist. No. 2005-L-103, 2006-Ohio-1448, ¶ 8, quoting Am. Sec. Serv., Inc. v.
Baumann, 32 Ohio App.2d 237, 242 (10th Dist.1972).
No. 14AP-102                                                                          14


      {¶ 37} In order to adequately plead and prove an account, the " 'account must
show the name of the party charged.' " Asset Acceptance Corp. v. Proctor, 156 Ohio
App.3d 60, 2004-Ohio-623, ¶ 12 (4th Dist.), quoting Brown v. Columbus Stamping &
Mfg. Co., 9 Ohio App.2d 123, 126 (10th Dist.1967). Although "[i]t begins with a balance
preferably at zero, or with a sum recited that can qualify as an account stated," the
balance "at least * * * should be a provable sum. Following the balance, the item or
items, dated and identifiable by number or otherwise, representing charges, or debits,
and credits, should appear." Brown. A summary "is necessary showing a running or
developing balance or an arrangement which permits the calculation of the balance
claimed to be due." Id. To constitute an account, "it is not necessary that every
transaction that has transpired between the parties be included during the entire
existence of their business relationship." Wolf Automotive v. Rally Auto Parts, Inc., 95
Ohio App.3d 130, 134 (10th Dist.1994). See Am. Express Travel Related Servs. v.
Silverman, 10th Dist. No. 06AP338, 2006-Ohio-6374, ¶ 9-10 (concluding 4 years worth
of credit card statements and copy of the cardmember agreement constituted sufficient
evidence of an account, as requiring American Express to produce 30 years worth of
statements constituted "an unreasonable burden").
      {¶ 38} " 'An account rendered by one person to another and not objected to by the
latter within a reasonable time becomes an account stated.' " Creditrust Corp. v.
Richard, 2d Dist. No. 99-CA-94 (July 7, 2000), quoting 1 Ohio Jurisprudence 3d,
Accounts and Accounting, Section 27, at 204 (1998). It is "the duty of the one to whom
the account is thus rendered to examine the same within a reasonable time and object if
he or she disputes its correctness." Id. (concluding the plaintiff pled a proper account,
even though the credit card statement attached to the complaint showed no debits or
credits, where the debtor did not timely object to the final balance within 60 days after
receiving the statement, as the cardholder agreement required).
      {¶ 39} The credit card statements attached to Capital One's cross-motion for
summary judgment begin with a statement reflecting a due date of June 12, 2011, and a
balance on the account of $3,463.60. The statement shows the previous balance was
$3,402.35, and that Ryan charged $96.35 in goods and services over the statement
period, previously paid $70.00 on the account, and incurred $34.90 in interest charges.
No. 14AP-102                                                                          15


Following the June 2011 statement, the monthly statements continue, reflecting five
months worth of purchases and payments. Thereafter, the statements reflect that Ryan
stopped making any payments on the account but continued to incur late fees. The last
statement reflects that the account was past due for the period from May 16 to
August 15, 2012, and reflects a balance of $3,949.94.
      {¶ 40} Every credit card statement Ryan received informed Ryan that, if he saw
an error on his statement, he was obligated to "contact us [Capital One] within 60 days
after the error appeared on your statement. You must notify us of any potential errors in
writing." (Edwards' Affidavit, exhibit A2.) Ryan failed to submit any evidence
demonstrating that he, at any time, objected to the $3,463.60 balance in June 2011.
After the June 2011 statement, the statements reflect that defendant continued to incur
expenses and make payments on the account, thereby indicating his assent to the
$3,463.60 balance as an account stated. See Crown Asset Mgt., L.L.C. v. Gaul, 4th Dist.
No. 08CA30, 2009-Ohio-2167, ¶ 10, fn. 1 (determining that a party's assent to an
account stated may be express or "implied when an account is rendered by the creditor
to the debtor and the debtor fails to object within a reasonable amount of time").
      {¶ 41} The trial court properly concluded that the credit card statements, spanning
over one year, qualified as an account. The documents reflect defendant's name, the last
four digits of the account number, the name of the credit card (Visa Platinum), a sum
recited to which defendant did not object, and itemized debits and credits which permit
calculation of the final amount due. We agree with the trial court that the materials
submitted by Capital One in support of its cross-motion for summary judgment were
sufficient to establish a prima facie case for money owed on an account. See Citibank,
N.A. v. Katz, 8th Dist. No. 98753, 2013-Ohio-1041, ¶ 12.
      {¶ 42} In his tenth assignment of error, Ryan asserts that that the "Record lacks a
copy of any alleged agreement clearly between Appellant and the Capital One Bank" and
contends that "[a] party cannot prevail on its claims without proving the existence of an
agreement." (Appellant's brief, 48.) This court has stated that "credit card agreements
are contracts whereby the issuance and use of a credit card creates a legally binding
agreement." Bank One, Columbus, N.A. v. Palmer, 63 Ohio App.3d 491, 493 (10th
Dist.1989). Capital One issued the credit card to Ryan, and Ryan thereafter used the
No. 14AP-102                                                                              16


credit card to purchase goods and services, thereby creating a contract. See Calvary SPV
I, L.L.C. v. Furtado, 10th Dist. No. 05AP-361, 2005-Ohio-6884, ¶ 18 (concluding that
although the "cardholder agreement [did] not bear defendant's signature, the bank's
issuance of the card and defendant's use of the card create[d] a binding contract").
       {¶ 43} Moreover, Capital One attached an unsigned copy of a customer
agreement to Edwards' affidavit. The customer agreement states "[w]elcome to Capital
One," and informs Ryan that the terms " 'we' 'us,' and 'our' " in the customer agreement
"means Capital One Bank." (Edwards' Affidavit, exhibit A1.) Through the agreement,
Ryan "promise[d] to pay [Capital One] * * * for all amounts due resulting from the
authorized use of your card or account" and informed Ryan that the payments he
"mail[ed] to [Capital One] at the address for payment stated on your periodic statement
will be credited to your account." (Edwards' Affidavit, exhibit A1.) All of the credit card
statements attached to the cross-motion for summary judgment instructed Ryan to make
his checks payable to Capital One, and the return address on the statements listed Capital
One's name and address.
       {¶ 44} Under his eighth assignment of error, Ryan asserts that the trial court erred
in granting the cross-motion for summary judgment because it "is unclear from the
Record that the alleged account set out in the Complaint * * * is and always has been
owned by Capital One Bank, (USA) N.A." (Appellant's brief, 40.) Capital One issued the
credit card to Ryan, and Ryan never presented evidence to establish that Capital One
assigned the account to another party. Ryan has "argued that Capital One Services LLC,
not Plaintiff, is the only entity referenced on the alleged agreement form Plaintiff attached
as Exhibit 'A3' to its Complaint." (Appellant's brief, 40.) The credit card statements
expressly informed Ryan that his "account is being serviced by Capital One Services,
LLC." (Complaint, exhibit A3.) Edwards explained in her affidavit that Capital One
Services, LLC was an agent of Capital One. The record thus demonstrates that Capital One
Services, LLC merely serviced Ryan's account as an agent of Capital One. There is no
evidence indicating that Capital One assigned Ryan's account to another party.
Accordingly, Ryan failed to present evidence which would establish a genuine issue of
material fact regarding Capital One's ownership of the credit card account.
No. 14AP-102                                                                                 17


       {¶ 45} Based on the foregoing, Ryan's sixth, eighth, and tenth assignments of
error are overruled.
VII. SEVENTH ASSIGNMENT OF ERROR – EDWARDS' AFFIDAVIT

       {¶ 46} Ryan's seventh assignment of error asserts that the trial court erred by
failing to strike Edwards' affidavit. Although Ryan filed a motion to strike the cross-
motion for summary judgment based on Capital One's failure to serve the motion for
leave on Ryan, Ryan never filed a motion asking the trial court to strike Edwards'
affidavit. It is well-settled that a litigant's failure to raise an issue before the trial court
waives the litigant's right to raise that issue on appeal. Gentile v. Ristas, 160 Ohio
App.3d 765, 2005-Ohio-2197, ¶ 74 (10th Dist.). Therefore, we conclude that Ryan has
waived this issue by failing to raise it before the trial court, and that he may not raise it
for the first time on appeal. Accordingly, Ryan's seventh assignment of error is
overruled.
VIII. NINTH ASSIGNMENT OF ERROR – "FRIVOLOUS MOTIONS"

       {¶ 47} Ryan's ninth assignment of error asserts that the trial court erred by
noting in its judgment entry that, instead of responding to the cross-motion for
summary judgment, Ryan "chose to file frivolous motions with the court." (Entry, 3.)
Ryan asserts that the trial court's comment indicates that the trial court believed that
Ryan had engaged in frivolous conduct under R.C. 2323.51. However, as Capital One did
not file a R.C. 2323.51 motion for an award of costs and fees, and as neither Capital One
nor the trial court sought to impose Civ.R. 11 sanctions on Ryan, we fail to see how the
court's characterization of Ryan's motions as frivolous prejudiced Ryan's case.
Accordingly, Ryan's ninth assignment of error is overruled.
IX. DISPOSITION

       {¶ 48} Having overruled Ryan's first, second, third, fourth, fifth, sixth, seventh,
eighth, ninth, and tenth assignments of error, we affirm the judgment of the Franklin
County Municipal Court.
                                                                          Judgment affirmed.
                       KLATT and LUPER SCHUSTER, JJ., concur.
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