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KRISTENSEN v. CREDIT PAYMENT SERVICES INC.

No. 16-15823.

879 F.3d 1010 (2018)

Flemming KRISTENSEN, Plaintiff-Appellant, v. CREDIT PAYMENT SERVICES INC., FKA mycashnow.com Inc.; Enova International, Inc.; Pioneer Financial Services, Inc.; LeadPile, LLC; Click Media, LLC, DBA ClickMedia 1240 Johnson Ferry Place, Ste. B75 Marietta, GA 30068, DBA Net1Promotions LLC, DBA Net 1 Promotions, LLC, Defendants-Appellees.

United States Court of Appeals, Ninth Circuit.

Filed January 10, 2018.

Attorney(s) appearing for the Case

Alexander G. Tievsky (argued), Roger Perlstadt , and Ryan D. Andrews , Edelson PC, Chicago, Illinois, for Plaintiff-Appellant.

James M. Lord (argued) and Asher M.B. Ritmiller , Inman Flynn Biesterfeld & Brentlinger P.C., Denver, Colorado, for Defendants-Appellees Credit Payment Services Inc. and Leadpile LLC.

Brian P. O'Meara (argued), Kevin R. Malloy , Joanne R. Driscoll , and Kevin M. Forde , Forde Law Offices LLP, Chicago, Illinois; Dan R. Waite , Lewis Roca Rothgerber LLP, Las Vegas, Nevada; for Defendant-Appellee Enova International Inc.

Kelly H. Dove and Chad R. Fears , Snell & Wilmer LLP, Las Vegas, Nevada; Robert V. Spake Jr. and Russell S. Jones Jr. , Polsinelli PC, Kansas City, Missouri; for Defendant-Appellee Pioneer Services Inc.

John H. Gutke and Tara H. Popova , Fox Rothschild LLP, Las Vegas, Nevada, for Defendant-Appellant Click Media LLC.

Before: Sandra S. Ikuta and Andrew D. Hurwitz, Circuit Judges, and James S. Gwin, District Judge.

OPINION

Flemming Kristensen received a text message from AC Referral that violated the Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227. In this class action against three lenders and two marketing companies, Kristensen claims that they had ratified the unlawful text messages. Because AC Referral (which...

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