                      NOTICE: NOT FOR OFFICIAL PUBLICATION.
  UNDER ARIZONA RULE OF THE SUPREME COURT 111(c), THIS DECISION IS NOT PRECEDENTIAL
                  AND MAY BE CITED ONLY AS AUTHORIZED BY RULE.




                                     IN THE
              ARIZONA COURT OF APPEALS
                                 DIVISION ONE


      AMERICAN EXPRESS CENTURION BANK, Plaintiff/Appellee,

                                         v.

                   ROBERT L. EARLE, Defendant/Appellant.

                              No. 1 CA-CV 16-0059
                                FILED 2-7-2017


            Appeal from the Superior Court in Yavapai County
                         No. V1300CV201580010
             The Honorable Jeffrey G. Paupore, Judge Pro Tem

                                   AFFIRMED


                                    COUNSEL

Zwicker & Associates, P.C., Tempe
By Sarah L. Jones, Douglas Christensen
Counsel for Plaintiff/Appellee

Robert L. Earle, Sedona
Appellant
                     AMERICAN EXPRESS v. EARLE
                        Decision of the Court



                      MEMORANDUM DECISION

Judge Jon W. Thompson delivered the decision of the Court, in which
Presiding Judge Diane M. Johnsen and Judge Paul J. McMurdie joined.


T H O M P S O N, Judge:

¶1           Robert Earle (Earle) appeals from the trial court’s grant of
summary judgment to American Express Centurion Bank (American
Express). For the following reasons, we affirm the decision of the trial court.

               FACTUAL AND PROCEDURAL HISTORY

¶2            In January 2015, American Express filed a complaint in
superior court alleging that Earle breached a contract and owed a debt to it
in the amount of $12,015.56 after Earle opened and used an American
Express credit card ending in 1005 and failed to make payments on the card.
American Express filed a second lawsuit against Earle in Verde Valley
Justice Court in February 2015 alleging another credit card debt of $3,011.23
(account ending in 2008). Earle filed a motion to consolidate the two cases
and the superior court granted the motion.

¶3            In August 2015, American Express filed a motion for
summary judgment. Earle opposed the motion. He did not provide an
affidavit in response to American Express’s sworn statement and the
arguments he made against the motion for summary judgment were non-
responsive. The trial court granted the motion and entered judgment in
favor of American Express for $15,026.79 plus costs. Earle timely appealed.
We have jurisdiction pursuant to Arizona Revised Statutes (A.R.S.) sections
12-120.21(A)(1) (2016) and -2101(A)(1) (2016).

                               DISCUSSION

¶4             Summary judgment is appropriate when there is no genuine
issue as to any material fact and the moving party is entitled to judgment
as a matter of law. Ariz. R. Civ. P. 56(a) (Rule 56(a)).1 We review the grant
of summary judgment de novo to determine whether any genuine issue of
material fact exists, and we view the evidence and all reasonable inferences

1     We cite the current version of the applicable rule unless revisions
material to this decision have occurred since the events in question.


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                      AMERICAN EXPRESS v. EARLE
                         Decision of the Court

in favor of the non-moving party. Chalpin v. Snyder, 220 Ariz. 413, 418, ¶
17, 207 P.3d 666, 671 (App. 2008) (citation omitted). “A plaintiff’s motion
must stand on its own and demonstrate by admissible evidence that the
plaintiff has met its burden of proof and that it is entitled to judgment as a
matter of law.” Wells Fargo Bank, N.A. v. Allen, 231 Ariz. 209, 211, ¶ 1, 292
P.3d 195, 197 (App. 2012). “An affidavit used to support or oppose a motion
[for summary judgment] must be made on personal knowledge, set out
facts that would be admissible in evidence, and show that the affiant is
competent to testify on the matters stated.” Ariz. R. Civ. P. 56(c)(5). “When
a summary judgment motion is made and supported as provided in [Rule
56], an opposing party may not rely merely on allegations or denials of its
own pleading. The opposing party must, by affidavits or as otherwise
provided in this rule, set forth specific facts showing a genuine issue for
trial. If the opposing party does not so respond, summary judgment, if
appropriate, shall be entered against that party.” Ariz. R. Civ. P. 56(e). See
also Nat’l Bank of Ariz. v. Thruston, 218 Ariz. 112, 119, ¶ 26, 180 P.3d 977, 984
(App. 2008) (“The non-moving party may not rest on its pleadings; it must
go beyond simply cataloging its defenses.”).

¶5            In an action based on breach of contract, the plaintiff has the
burden of proving the existence of a contract, breach of the contract, and
damages. Chartone, Inc. v. Bernini, 207 Ariz. 162, 170, ¶ 30, 83 P.3d 1103,
1111 (App. 2004) (citations omitted). In support of its motion for summary
judgment regarding the account ending in 1005, American Express
provided the affidavit of Linda Salas, assistant custodian of records for
American Express. Salas’s affidavit stated that she reviewed American
Express’s records pertaining to account 1005, that Earle opened the credit
card account on March 29, 1984, that consistent with American Express’s
standard business practices, American Express mailed the credit card to
Earle with a copy of its card member agreement, and as card member
agreements were periodically revised or updated, they were transmitted to
Earle. The affidavit further stated that Earle used the account, and after he
failed to make payments on the account, American Express closed it. At
that time Earle owed $12,015.56 on the account, exclusive of court costs and
attorneys’ fees. Along with the affidavit, American Express submitted a
card member agreement dated December 2010 and account records
detailing Earle’s use of the account.

¶6            In support of its motion for summary judgment regarding the
account ending in 2008, American Express provided a second affidavit from
Salas. This affidavit stated that Salas had reviewed American Express’s
records pertaining to account 2008, that Earle opened the account ending in
February 2000, that consistent with American Express’s standard business


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                     AMERICAN EXPRESS v. EARLE
                        Decision of the Court

practices American Express mailed the credit card to Earle with a copy of
its card member agreement, and as card member agreements were
periodically revised or updated, they were transmitted to Earle. The
affidavit further stated that Earle used the account and American Express
closed it after he failed to make payments on the account. At that time Earle
owed $3011.23 on the account, exclusive of court costs and attorneys’ fees.
Along with the affidavit, American Express submitted a card member
agreement dated December 2010 and account records detailing Earle’s use
of the account.

¶7           Earle argues that the trial court erred by granting summary
judgment to American Express because he disputed the assertions
contained in Salas’s affidavits, including the assertion that he received
account statements. He further complains, without citing any authority,
that American Express did not produce an original contract. The Salas
affidavits and attachments, which were admissible under the business-
records exception contained in Arizona Rule of Evidence 803(6), adequately
supported the motion for summary judgment. They showed that Earle
formed contracts with American Express which he breached by failing to
make payments and American Express incurred damages in the total
amount of $15,026.79 exclusive of costs and attorneys’ fees. Earle failed to
present controverting evidence establishing a genuine issue for trial.
Accordingly, we find no error in the trial court’s decision granting
summary judgment to American Express.

¶8            Earle requests an award of costs and legal document
preparers’ fees pursuant to A.R.S. §§ 12-341 and -341.02. Because he is not
the prevailing party, we deny the request for fees and costs.




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                AMERICAN EXPRESS v. EARLE
                   Decision of the Court

                         CONCLUSION

¶9       For the foregoing reasons, we affirm the decision of the trial
court.




                   AMY M. WOOD • Clerk of the Court
                   FILED: AA




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