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IN THE UNITED STATES DISTRICT COURT
FOR THE EASTERN DISTRICT OF VIRGINIA
Alexandria Division
RUBY LAMBERT, individually and onbehalf of all others similarly situated,
Plaintiff,
NAVY FEDERAL CREDIT UNION,
Defendant.
Civil No. l:19-cv-103-LO-MSN
Hon. Liam O'Grady
MEMORANDUM OPINION AND ORDER
This matter comes before the Court on Defendant's Motion to Dismiss for Failure to
State a Claim (Dkt. 19). The Motion is fully briefed, and the Court heard oral argument on May
24,2019. For the reasons stated below, and for good cause shown. Defendant's Motion to
Dismiss for Failure to State a Claim (Dkt. 19) is hereby GRANTED.
I. BACKGROUND
Plaintiff Ruby Lambert alleges that Defendant Navy Federal Credit Union charges
multiple nonsufficient fund fees for multiple attempts to process a single payment request in
violation of contractual language implying that only a single nonsufficient fund fee would ever
be charged for a payment request, no matter how many times that payment request is declined
for nonsufficient funds.
FlaintifTs contract with Navy Federal states that Navy Federal "may" assess "[a] fee"
"for each returned debit item." Navy Fed. Credit Union Important Disclosures (hereinafter
"Important Disclosures") at 4. Plaintiffs insurer. Mutual of Omaha, attempted to automatically
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