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Doe v. TCF BANK ILLINOIS, FSB

Citations: 707 N.E.2d 220; 302 Ill. App. 3d 839; 236 Ill. Dec. 375Docket: 1-97-3832

Court: Appellate Court of Illinois; January 3, 1999; Illinois; State Appellate Court

Narrative Opinion Summary

The case involves a plaintiff who filed a complaint against a bank, alleging invasion of privacy after a loan officer disclosed his credit card debts to his spouse without consent. The trial court dismissed the complaint under section 2-615 of the Code of Civil Procedure, finding no actionable claim. The appellate court affirmed this dismissal, applying a de novo standard of review. It analyzed the public disclosure of private facts tort, emphasizing the need for information to be publicized beyond a limited audience. The court evaluated the 'special relationship' exception, referencing prior cases such as *Miller v. Motorola, Inc.* and *Roehrborn v. Lambert*, but determined that the spouse's legitimate interest in the financial information, as outlined in relevant statutes, precluded the application of this exception. Consequently, the disclosure did not meet the publicity requirement. The court further noted the plaintiff's waiver of the right to amend the complaint due to procedural deficiencies. The appellate court's decision ultimately upheld the trial court's dismissal, ruling that the spouse's interest rendered the disclosure non-public.

Legal Issues Addressed

Legitimate Interest in Disclosed Information

Application: The court held that the spouse's interest in the disclosed financial information was legitimate due to joint liability under the Rights of Married Persons Act, thus the publicity requirement was not met.

Reasoning: Plaintiff's spouse has a legitimate interest in knowing about plaintiff's credit card debt, as per the Rights of Married Persons Act (750 ILCS 65/15), which establishes joint liability for family expenses.

Public Disclosure of Private Facts

Application: The appellate court found that the disclosure of the plaintiff's credit card debts to his spouse did not satisfy the publicity requirement for the tort of public disclosure of private facts.

Reasoning: The appellate court affirmed the dismissal, stating that for a public disclosure of private facts claim, the plaintiff must demonstrate that the defendant publicized private information in an offensive manner, which is not of legitimate public concern.

Special Relationship Exception

Application: The court considered whether the special relationship exception applied, concluding that the spouse's legitimate interest in the information negated the publicity requirement.

Reasoning: An exception to the general rule regarding the publicity requirement for public disclosure of private facts allows disclosure to a limited number of individuals with whom the plaintiff has a 'special relationship,' such as family or coworkers.

Waiver of Amended Complaint

Application: The plaintiff's failure to include the proposed amendment in the appeal record resulted in waiver of the request to amend the complaint.

Reasoning: Additionally, plaintiff's request to amend his complaint was waived due to his failure to include the proposed amendment in the appeal record.