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|JAMES LOSSIA, JR.; ALEXANDRA PLAPCIANU,
individually and on behalf of others similarly situated,
FLAGSTAR BANCORP, INC., aka Flagstar Bank,
| No. 17-1468|
Appeal from the United States District Court
for the Eastern District of Michigan at Detroit.
No. 2:15-cv-12540—George Caram Steeh, District Judge.
Argued: June 5, 2018
Decided and Filed: July 6, 2018
Before: BOGGS, SILER, and SUTTON, Circuit Judges.
BOGGS, Circuit Judge. This is a breach-of-contract case arising from the order in which
Flagstar Bank (Flagstar) processes Automated Clearing House (ACH) transactions. James
Lossia, Jr. and Alexandra Plapcianu are former checking-account customers of Flagstar. Lossia
asserts that his checking-account agreement required Flagstar to process his ACH transactions in
the order that he initiated them, which Flagstar admittedly did not do. But because the plain
language of the agreement does not require Flagstar to process transactions in the order that the
customer initiated them, we affirm the district court’s grant of summary judgment to Flagstar.