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IN THB COURT or COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
TRANSAMERICA I~SURANCE ) CIVIL ACTION - LAW
ADMINISTRATORS, INC., trading as )
ARCADIA INSURANCE SERVICES, )
) No.
plaintirf, )
)
v.. )
)
COMMERCE BANK / HARRISBURG, )
)
Defendant. )
PRAECIPE FOR WRIT or SUMMONS
TO: LAWRENCE E. WELKER, PROTHONOTARY
Kindly issue a writ of summons in the above-captioned matter.
Respectfully submitted,
VOLLMER RULONG & ASSOCIATES, P.C.
R. Ke ng
for Plaintiff
Sworn to and Subscribed
Before me this 28th day of
september, 1994.
~) . '. L\
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No ~ry Public
~ ,', I
My Commission Expires:
NcBIaI SooI
Reboa:a B, ~ NolaIy Pt.tlIc
b.~~~Counly
~'-"'-"n~~e,l996
..
Commonwealth of Pennsylvania
County of Cumberland
Transamerica Insurance
Adninistrators, Inc., trading as
Arcadia Insurance Services
Court of Common PI...
VI.
No. __.?!:~~~-L~J.,!g-.!'i!!1J1------------ 19____
Crnrnerce Bank I Harristurg
100 Senate Avenue, P. O. Box 8599
Canp lUll, Pa. 17011
In ____9J..'!U-Ac;ctl.0J1:t&lW.-- -------------------
To _._G.~c;e_~ols..J..J:lan:ieWrg--------n-
You are hereby notified that
Tr~~;;:!C;;1,I--l~~1!IJC~-.Ac;)J1J.nW.l:l:At9i'Jl.L-In.c;:...-tm1rul-O{l-A1;cM.i.o-1M\lI'Sln.c;:e-fum..j.s;,~_
the Plaintiff have commenced an action in n__.ci\Lil_Law______n______________________n_________
against you which you are required to defend or a default judgment may be entered againal you,
(SEAL)
._-----~ocjt-~.-lt~l~~--------------------
ProthonOlaJY
Date ___~!l.2~~~L~J_~_!ll..9_4._____ 19____
By --~~fl*"-~-~~~--------------------
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SHERIFF'S RETURN
~lli OF PENNSYLVANIA.
COlJlI1I'Y OF CLMBERLAND
In the Court of Common Pleas of
Cumberland County, Pennsylvania
No. 94-5566 Civil Term
Summons in Civil Action Law
Transamerica Insurance Administrators, Inc.
trading as Arcadia Insurance Services
;
VS
Commerce Bank / Harrisburg
WF!Alp.y Cook
, lliwRic66lJlr Deputy Sheriff of
Cunberland County, Pennsylvania, who being duly sworn according to law, says,
that he served the within Summons in Civil Action Law
upon rnmm,,\;ce Ranki Harrisburq
, the defendant, at
1:50
o'clock
P.M. -H;~x/ EDST, on the
3rd
day of October
, 19.2!.at
100 Senate Avenue. Camp Hill
, Cl.mberland County,
Pennsylvania, by handing to Beckv Bacher, Compliance Offtcer
a true and attested copy of the Summons inCivil Action Law
and at the serre time directing
her
attention to the contents thereof and
the "Notice to PI~" endorsed thereon.
Sheriff's Costs.
Docke t ing
Service
Affidavit
Surcharge
14.00
8.40
So answers.
r'"~~~
2.00
24.40
Pd. by Atty.
10-4 -94
R. Thomas Kline, Sheriff
Sworn and subscribed to before me
by .LIt/&' ':L t'~
DePutY~riff
this /3'!: day of [PJ;A.
19 "'f A.D.
. 1 '"\ '"M_ :.
"/IL..,. U I~ ~'J'
I '
Prothonotary
Commonwealth of Pennsylvania
County of Cumberland
Transamerica Insurance
Administrators, Tnc., tr,Kllng as
Arcadia Insurance Services
Cuurt o( Con!mon Plca.i
...
No, __.\'l.4..:??!i_~. _~_.l",::g_.!~P!'____... _____ 19..._
Connerce Bank / Harrisburg
100 Sendte Avenue, P. O. Box 8599
Camp Hill, Pa, 17011
In n__9J.'!H. ./>,c;.tJ.m:!-S!\'L._. .______._____.____
To ___~<mmr.Ge.Jliloll.J__U=i5bw:g---...-----
You are hereby notified that
Tran~~X!<;;g. J_Q~W_C!Q<;lt litt.Jlj.n.!!J .l:J:.iltQI"-'l.._ In';..L_j:J'.Rcj~(\~LiJ,,_ A:tc~:i.<:l_lM\II'pr&"'. ~.~~j.f:.~li!_
the I'laintiU h.ve commenced an action in n_.!:iviLI.il\>l._______..___. ___n_ .__..n____._ -----.--
aga.inn you which you iLn: rC'Iuirrd to deleud or a default judgment m.\y be entered against you.
(SEAL)
TRUE COpy FROM RECORD
~', T'Htlmony WhNaol, I h~ro cnto sctlny !l:>nd
'< the seal 01 said Ccur~.t Carlisle, PI.
li:ls :1'1;- day 01 ..4....t'~~"-19 qy
'--1t.....l.A-- {C. /)u..ll~~ A".C,.r.:.
" . ".....,
Prothonotary
... ", .I..i!'L'x<,o, ?_F:d'i.t,J~f'_r. ___,...,.. . .___..__.
Prothonotary
D.tr. ._.?!'.E~9;~~~.?.?..__~~.!-'~.____ 19.__.
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
TRANSAHERICA INSURANCE )
ADMINISTRATORS, INC., trading as )
ARCADIA INSURANCE SERVICES, )
)
plaintiff, )
)
vs. )
)
COMMERCE BANK / HARRISBURG, )
)
Defendant. )
CIVIL ACTION - LAW
No. 94 - 5566 - civil Term
NOTICE TO DEFEND
You have been sued in court. If you wish to defend against
the claim set forth in the following pages, you must take action
within twenty (20) days after this complaint and notice are
served, by entering a written appearance personally or by attorney
and filing in writing with the court your defenses or objections
to the claims set forth against you. You are warned that if you
fail to do so the case may proceed without you and a judgment may
be entered against you by the court without further notice for any
money claimed in the complaint or for any claim or relief
requested by the Plaintiff. You may lose money or property or
other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, THEN YOU SHOULD GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET
LEGAL HELP:
Court Administrator
4th Floor, Cumberland county Courthouse
Carlisle, PA 17013
(707) 240-6200
VOLLMER RULONG & ASSOCIATES, P.C.
A orney for Plaintiff
uite 1212, Grant Building
Pittsburgh, PA 15219
(412) 391-2121
.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
TRANSAMERICA INSURANCE ) CIVIL ACTION - LAW
ADMINISTRATORS, INC. , trading as )
ARCADIA INSURANCE SERVICES, )
) No. 94-5566-Civil Term
plaintiff, )
)
vs. )
)
COMMERCE BANK / HARRISBURG, )
)
Defendant. )
COMPLAINT IN CIVIL ACTION
1. Plaintiff, Arcadia Life Insurance Company ("Arcadia"), is
an affiliate of Transamercia Insurance Administrators, Inc. and is_
a company duly licensed to conduct business in the Commonwealth of
Pennsylvania with offices located at P.O. Box 880069, San Diego,
California 92768.
2. Defendant, Commerce Bank / Harrisburg ("Commerce") is a
bank organized and operating under the laws of the Commonwealth of
Pennsylvania with its main offices at 100 Senate Avenue, P.O. Box
8599, camp Hill, Cumberland County, Pennsylvania 17011.
3. On or about October 9, 1990, Apple Toyota/Mazda ("Apple")
issued its check No. 014360 payable to Plaintiff, Arcadia, in the
amount of $9,521.50 representing payment, in part, of insurance
premiums. A true and correct copy of the check is attached
hereto, made a part hereof and marked as Exhibit "A".
4. The check attached as Exhibit "A" was issued by Apple in
payment of insurance premiums due Arcadia, but was'delivered to
Key Warranty, Inc. ("Key"), an insurance broker and customer of
Commerce.
5. Key did not, at any time, have authority to endorse
checks on behalf of Arcadia, nor had Key endorsed any checks made
payable to Arcadia for deposit to Key's account with Commerce or
any other bank.
6. On or about October 12, 1990, Key endorsed the subject
check with its own name for deposit into Key's account with the
Defendant, Commerce. Commerce accepted the check and accordingly
credited Key's account, as evidenced on Exhibit "A," pagEl 2, being
the back of the check at issue.
7. Arcadia was unaware that the check attached as Exhibit
"A" was issued by Apple nor did it know that the check had been
deposited by Key until 1993 when Arcadia demanded payment from
Apple for insurance premiums due on the policies which had not
been paid. In response to Arcadia's demands, Apple produced a
copy of the check to Arcadia to show that the premium being sought
had been paid.
8. Arcadia has demanded that Commercs reimburse it for the
amount of the SUbject check since it had been wrongfully accepted
.
'.
by Commerce having only an unauthorized endorsement of its
customer, Key Warranty rather than its having been endorsed by
Arcadia, the designated payee. To date, Commerce has failed
and/or refused to make payment.
9. Key had no legal right or ability to endorse the check
that was made payable only to Arcadia. As such, it was in
reckless indifference to the rights of Arcadia for Commerce to
accept the check for deposit devoid of proper endorsement.
COUNT I - FAILURE TO EXERCISE ORDINARY CARE
10. Paragraphs 1 through 9 are incorporated herein as though
set forth at length.
11. Commerce is both a collectina bank "[a]ny bank handling
the item for collection except the payor bank" and a deoositorv
~ "[t]he first bank to which an item is transferred for
collection even though it is also the payor bank" as each are
defined in 13 Pa, C.S.A. 94i05.
12. The subject check is an "item" as defined in 13 Pa.
C.S.A. 94104 wherein an item is said to be "[a]ny instrument for
the payment of money even though it is not negotiable but does not
include money".
13. Commerce knew or should have known that the check was not
properly being deposited given the lack of the actual payee's
(Arcadia's) endorsement the check and the appearance of Key's
endorsement on the check when it was not a payee.
14. The endorsement by Key of the subject check was
unauthorized by Arcadia and, as such, is inoperative as to Arcadia
who never ratified the wrongful negotiation of the check. 13 Pa.
C.S.A. S3404(a).
15. Under the Pennsylvania Commercial Code, 13 Pa. C.B.A.
S4202(a), a collecting bank must exercise ordinary care in
presenting an item or sending it for presentment. Care was not
taken by Commerce with regard to the subject check since payment
was issued thereon by an unauthorized endorsement.
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16. Commerce failed to examine the check and accepted it for
deposit into one of its customer's account even though the
customer was not a payee. The check was payable to Arcadia and
yet was presented to and wrongfully accepted by Commerce bank with
the unauthorized endorsement by its customer, Key.
17. The Pennsylvania Commercial code, 13 Pa. C.S.A. S4103 (e)
provides n[tJhe measure of damages for failure to exercise
ordinary care in handling an item is the amount of the item
~
reduced by an ~mount that could not have been realized by the
exercise of ordinary care. If there is also bad faith it includes
any other damages the party suffered as a proximate consequence."
18. Due to Commerce's failure to exercise ordinary care in
the handling of the check made payable to Arcadia but improperly
accepted and deposited to Key, Arcadia is entitled to the amount
of the check as damages, $9,521.50.
"
WHEREFORE, Plaintiff, demands judgment in its favor and
against the Defendant in the amount of $9,521.50 plus interest at
the legal rate of 6% from October 12, 1990 plus cost.
COUNT II - FAILURE TO EXERCISE GOOD FAITH
19. Paragraphs 1 through 18 are incorporated herein as though
set forth at length.
20. Under the Pennsylvania Commercial Code, 13 Pa. C.S.A.
S1203, a collecting bank must exercise good faith in fulfilling
obligations imposed on it under the Pennsylvania Commercial Code.
21. Commerce is a collecting bank within the meaning of 13
Pa. C.S.A. S4103 and therefore subject to all obligations imposed
on such banks under the Pennsylvania Commercial Code, Title 13 of
the Pennsylvania Consolidated statutes.
. ,j
. ,
22. The Pennsylvania commercial code, 13 Pa. C.S.A. 13103 (a)
defines good faith as U[h]onesty in fact and the observance of
reasonable commercial standards of fair dealing.u
23. By accepting the draft made payable to Arcadia, but
presented, endorsed, and deposited by Key, Commerce failed to
observe the reasonable commercial standards of fair dealing with
regard to Arcadia, the payee of the draft. Its actions by
permitting the wrongful endorsement and deposit of the check has
resulted in a loss to Arcadia of the full amount of the check.
24. Due to Commerce's failure to exercise good faith in the
acceptance of the check made payable to Arcadia but improperly
endorsed and deposited to Key's account, Arcadia is entitled to
the amount of $9,521.50 in damages being the face amount of the
check wrongfully endorsed and negotiated.
WHEREFORE, Plaintiff, demands judgment in its favor and
against the Defendant in the amount of $9,521.50 plus interest at
the legal rate of 6% from October 12, 1990 plus cost.
COUNT III - NEGLIGENCE
25. Paragraphs 1 through 24 are incorporated herein as though
set forth at length.
26. Commerce, as the collecting bank for the check made
payable to Arcadia, owed a duty to Arcadia to insure that the
party seeking to deposit and/or cash that check was the payee of
the check.
27. By allowing Rey to endorse and deposit the check,
Commerce breached the duty it owes Arcadia as payee of the check
at issue and is liable for the consequential damages.
28. Because of Commerce's breach of duty, Arcadia was harmed
in the amount of $9,521.50, the amount of the check made payable
to Arcadia, but endorsed and deposited to Rey's account with
Commerce.
WHEREFORE, Plaintiff, demands judgment in its favor and
against the Defendant in the amount of $9,521.50 plus interest at
the legal rate of 6\ from October 12, 1990 plus cost.
COUNT IV - UNJUST ENRICHMENT
29. Paragraphs 1 through 28 are incorporated herein as though
set forth at length.
30. By accepting the check made payable to Arcadia, but
endorsed by Rey and deposited into Rey's account with Commerce,
Commerce then was able to present the check to the payor bank for
cash in the amount of $9,521.50.
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UNSWORN VERIFICA nON
~.
1.
I, Thomas E. Luacbcr, state that I am the Controller/Assistant SecretarY of
TRANSAMERICA INSURANCE ADMINISTRATORS, INC" lIa ARCADIA
INSURANCE SERVICES which is the Plaintiff, herein, I have reviewed the annexed
pleading and believe the faclS contained therein are true and correct to the best af my
knowledge. infonnation and belief, I believe that the corporation will be able to prove
these faclS at trial.
I"
This declaration is made by me with the knowledge that it is subject to the
penalties of 18 Pa" C,S, 4909, relating to unsworn falsification to authorities,
TRANSAMERlCA INSURANCE ADMINISTRATORS
INC,.lIa ARCADIA INSURANCE SERVICES
BY: /'~ --: r~ A
nTLE: /l:I."..t'rU~~~ ,iTJ'M'r, ou....
(I
.
CERTIFICATE OF SERVICE
I, the undersiqned counsel do hereby certify that a true end
correct copy of the foregoing Complaint in Civil Action was served
this 23rd day of November, 1994 by first class, U.S. mail, postage
prepaid to the defendant addressed as f.ollows:
THE COMMERCE BANK/HARRISBURG
James T. Gibson, President
100 Senate Avenue
P.O. Box 8599
MGlli88Hr~, PA 17011
C.......r- II, II
inq
. .
TRANS AMERICA INSURANCE
ADMINISTRATORS. INC" \rading as
ARCADIA INSURANCE SERVICES,
Plainti....
: IN 'TIm COURT OF COMMON PLEAS
: CUMBERLAND COUNTY. PENNSYLVANIA
v,
NO, 94-SS66-Civil Term
COMMERCE BANK/HARRISBURG, N,A,:
Defendant : CIVIL ACTION . LAW
PRELIMINARY OBJECTIONS OF DEFENDANT
COMMERCE BANKlHARRISBURG. N.A. TO PLAINTIFF'S COMPLAINT
De"endant Commerce Bank/Harrisburg, N.A.. by iL~ allorneys, Metle, Evans &
Woodside, files the "ollowing Preliminary Objections to Plaintiffs Complaint
PRELIMINARY OBJECTIONS RAISING OUESTIONS OF STANDING,
FAILURE TO JOIN INDISPENSABLE PARTY AND LACK
OF SUBJECT MAlTER JURISDICTION
I. Plaintiff lacks standing to assert Counts I, II, III, and IV against Defendant.
2. Plainti"f failed to join Mercantile-Sa"e Deposit & Trust Co" identified in
Plaintiffs Exbibit A as the payor bank, or Apple Toyota/Mazda, the maker of Check No,
014360, which are parties necessary to assert Counts I, II. III. and IV 0" Plaintiffs Complaint
against Defendant.
. .,
3. This coun lacks jurisdiction over the subject mailer of Counts I. II. III. and IV,
WHEREFORE. Defendant request.' that Counts I. II. III. and IV of Plaintiffs Complaint
be dismissed with prejudice,
PRELIMINARY OBJECfION IN WE NATURE
OF A DEMURRER
4, Plaintiff fails to allege facts in Counts I. II. III. and IV which state a claim against
Defendant upon which relief can be granted.
WHEREFORE. Defendant requests that Counts I. II. III. and IV of Plaintiffs Complaint
be dismissed with prejudice,
Karen N, Connelly. Esquire
Sup, Ct. J.D. #59205
METrE. EVANS & WOODSIDE
340 I N, Front Street
P,O. Box 5950
Harrisburg. PA 17110-0950
(717) 232-5000
Date: 12"lq.~1
Allomeys for Defendant.
Commerce Bank/Harrisburg. N,A.
,
TRANSAMERICA INSURANCE
ADMINISTRATORS. INC,. trading as
ARCADIA INSURANCE SERVICES.
Plaintiff
: IN TIlE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY. PENNSYLVANIA
v,
NO, 94-SS66-Civil Term
COMMERCE BANKlHARRISBURG. N,A.:
Defendant : CIVIL ACTION. LAW
CERTIFICATE OF SERVICE
I. Karen N, Cunnelly ,ertify that un De'ember\q~994. I served a cupy of the
Preliminary Obje,tions of Defendant Cummen:e Bank/Harrisburg. N.A, to Plaintiffs Complaint
upon the person and in the manner indkated below by depositing a copy of same in the United
States Mail. Harrisburg. Pennsylvania. with first-class pustage. prepaid. as folluws:
Juhn R. Keating. Esquire
VOLLMER RULONG & ASSOCIATES, P.C.
Suite 1212
Grant Building
310 Grmt Street
Pillsburgh. PA 15219
Respectfully submilted.
K en N. Connelly. Esquire
Sup, Ct, 1.0, #59205
METTE. EVANS & WooDSI
3401 N, Front Street
P,O, Box S9S0
Harrisburg. PA 1711O-09S0
(717) 232-SIXXI
Date: 12-IQ,Qi/
Altorneys for Defendant
Commerce Bank/Harrisburg. N.A.
- 3 .
TRANS AMERICA INSURANCE
ADMINISTRATORS. INC" lIa
ARCADIA INSURANCE SERVICES.
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY. PENNSYLVANIA
v.
NO, 94-5566 Civil Term
COMMERCE BANKlHARRISBURG. N,A,.
Defendant
PRAECIPE TO DISCONTINUE ACTION
To the ProthonoLary:
Please mark this action discontinued with prejudice as to all Defendants.
t:u
[~J
10 R, Keallng. Esquire
oHmer Rulong & Associates. P,C,
Suile 1212, Grant Building
310 Grant SlrCet
Pittsburgh. PA 15219
Dale: March 6. 1995