Quimbee logo
DMCA.com Protection Status
From our private database of 17,600+ case briefs...

Wolfe v. MBNA America Bank

United States District Court for the Western District of Tennessee
485 F.Supp. 2d 874 (2007)


An identity thief applied for a credit card in Wolfe’s (plaintiff’s) name. MBNA America Bank (defendant) issued the card and mailed it out, even though Wolfe never lived at the address the identity thief provided. After the identity thief ran up $864, exceeding the card’s $500 limit, the bank turned the account over to collections. Wolfe told the bank his identity had been stolen, but the bank reported the debt as Wolfe’s to credit reporting agencies. The negative effects on Wolfe’s credit score prevented another bank from hiring him. When Wolfe continued to dispute the debt, the bank sent a notice of arbitration to the address supplied by the identity thief, resulting in an arbitration award against Wolfe. Wolfe sued the bank, claiming it had a duty (1) to verify the accuracy of the credit-card application before issuing credit in his name and (2) to investigate before turning the account over for collection and reporting it to credit reporting agencies. The bank moved to dismiss, arguing it had no duty to prevent the criminal acts of third parties.

Rule of Law


Holding and Reasoning (Donald, J.)

What to do next…

  1. Unlock this case brief with a free (no-commitment) trial membership of Quimbee.

    You’ll be in good company: Quimbee is one of the most widely used and trusted sites for law students, serving more than 458,000 law students since 2011. Some law schools—such as Yale, Vanderbilt, Berkeley, and the University of Illinois—even subscribe directly to Quimbee for all their law students. Read our student testimonials.

  2. Learn more about Quimbee’s unique (and proven) approach to achieving great grades at law school.

    Quimbee is a company hell-bent on one thing: helping you get an “A” in every course you take in law school, so you can graduate at the top of your class and get a high-paying law job. We’re not just a study aid for law students; we’re the study aid for law students. Read more about Quimbee.

Here's why 458,000 law students have relied on our case briefs:

  • Written by law professors and practitioners, not other law students. 17,600 briefs, keyed to 984 casebooks. Top-notch customer support.
  • The right amount of information, includes the facts, issues, rule of law, holding and reasoning, and any concurrences and dissents.
  • Access in your classes, works on your mobile and tablet. Massive library of related video lessons and high quality multiple-choice questions.
  • Easy to use, uniform format for every case brief. Written in plain English, not in legalese. Our briefs summarize and simplify; they don’t just repeat the court’s language.

Questions & Answers

Have a question about this case?

Sign up for a free 7-day trial and ask it

Sign up for a FREE 7-day trial