U.S. Court of Appeals for the Sixth Circuit
Veronica Gardner v. Flagstar Bank, FSB
This writing
- Type
- Opinion
- Author
- Chad Andrew Readler
- Filed
- June 20, 2025
- Case
- Veronica Gardner v. Flagstar Bank, FSB
- Case status
- Decided
Opening text
The first passage of the document, as extracted by the source provider.
NOT RECOMMENDED FOR PUBLICATION File Name: 25a0310n.06 No. 24-1436 UNITED STATES COURT OF APPEALS FOR THE SIXTH CIRCUIT FILED Jun 20, 2025 VERONICA GARDNER; CALVIN MORGAN, ) KELLY L. STEPHENS, Clerk on behalf of themselves and all others similarly ) ) situated, ) ON APPEAL FROM THE Plaintiffs-Appellants, ) UNITED STATES DISTRICT ) COURT FOR THE EASTERN v. ) DISTRICT OF MICHIGAN ) FLAGSTAR BANK, FSB, nka Flagstar Bank, N.A., ) OPINION Defendant-Appellee. ) ) Before: COLE, READLER, and RITZ, Circuit Judges. CHAD A. READLER, Circuit Judge. Veronica Gardner had a checking account with Flagstar Bank, FSB for several years. At issue here are two types of charges Flagstar billed Gardner during that period: (1) an overdraft fee for completed transactions that exceeded her available balance upon the transaction’s settlement, but not authorization; and (2) a nonsufficient funds fee assessed each time a merchant unsuccessfully tried to reprocess a transaction that had already been denied. These charges purportedly caught Gardner off guard. When her complaints to the bank went unresolved, she sued in federal court. Relevant here is her breach of contract claim against Flagstar, on which the di…
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