NIPPER v. SUNCOAST CREDIT UNION (2019)

Gregory Nipper appeals a summary judgment entered against him in a credit card collection case brought by Suncoast Credit Union (Suncoast). He argues that Suncoast was not entitled to summary judgment because it proffered no evidence or argument to refute his affirmative defenses that some of the charges to his credit card account were not authorized and that Suncoast failed to mitigate its damages. From our de novo review, we must conclude that Mr. Nipper's view of the record is correct. See ALS Maxim I LLC v. Katsenko, 218 So.3d 472, 473 (Fla. 2d DCA 2017) (noting that an appellate court reviews a trial court's entry of summary judgment de novo and that “[s]ummary judgment is appropriate ‘only if there is no genuine issue of material fact and if the moving party is entitled to judgment as a matter of law’ ” (quoting Reed v. Schutz Litig. LLC, 117 So.3d 486, 488 (Fla. 2d DCA 2013) ) ). In order “to establish irrefutably that the nonmoving party cannot prevail were a trial to be held,” id. (quoting Land Dev. Servs., Inc. v. Gulf View Townhomes, LLC, 75 So.3d 865, 868 (Fla. 2d DCA 2011) ), we have repeatedly said that a plaintiff moving for summary judgment “must conclusively refute the factual bases” for any asserted affirmative defenses “or establish that they are legally insufficient,” Lucey v. 1010 Logic, Inc., 208 So.3d 1236, 1238 (Fla. 2d DCA 2017) (emphasis omitted) (quoting Coral Wood Page, Inc. v. GRE Coral Wood, LP, 71 So.3d 251, 253 (Fla. 2d DCA 2011) ); see also Morroni v. Household Fin. Corp. III, 903 So.2d 311, 312 (Fla. 2d DCA 2005); Balun v. Tucci, 549 So.2d 257, 257-58 (Fla. 2d DCA 1989). Because Suncoast did not meet that burden here, we are compelled to reverse the circuit court's entry of summary judgment in Suncoast's favor and remand this case for further proceedings.

Reversed and remanded.

LUCAS, Judge.

VILLANTI and ROTHSTEIN-YOUAKIM, JJ., Concur.