Opinions of the United
2005 Decisions                                                                                                             States Court of Appeals
                                                                                                                              for the Third Circuit


11-22-2005

English v. PNC Bank
Precedential or Non-Precedential: Non-Precedential

Docket No. 04-3464




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Recommended Citation
"English v. PNC Bank" (2005). 2005 Decisions. Paper 209.
http://digitalcommons.law.villanova.edu/thirdcircuit_2005/209


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                                                 NOT PRECEDENTIAL

         UNITED STATES COURT OF APPEALS
              FOR THE THIRD CIRCUIT

                      ___________

                      No. 04-3464
                      ___________


                 THERESA L. ENGLISH,

                             Appellant

                               v.

             PNC BANK; PNC BANK CORP

                      ___________


      On Appeal from the United States District Court
          for the Western District of Pennsylvania
                 (D.C. Civil No. 99-cv-00194)
      District Judge: The Honorable David S. Cercone

                      ___________

        Submitted Under Third Circuit LAR 34.1(a)
                    October 18, 2005

Before: SMITH, STAPLETON, and NYGAARD, Circuit Judges.




               (Filed: November 22, 2005)
                                       ___________

                               OPINION OF THE COURT
                                    ___________


NYGAARD, Circuit Judge.

       Appellant Theresa English was terminated from her thirty year employment with

Defendants PNC Bank and PNC Bank Corporation in January 1997. English filed this

action alleging age and disability discrimination. The District Court granted PNC Bank’s

motion for summary judgment.

       The District Court’s grant of summary judgment in favor of PNC Bank was based

on its conclusions that English was not disabled, and that she failed to produce evidence

from which a reasonable jury could find that PNC’s stated reason for her discharge was a

pretext for age and disability discrimination. We will affirm.

                                             I.

       In 1994, PNC Bank offered a new credit card product with an interest rate of 8.9%.

PNC Bank employees, including English, were authorized to possess and use these credit

cards. In 1996, PNC Bank raised the interest rate for cash transactions on the cards to

21.5% while leaving the rate for merchandise transactions at 8.9%. During 1996, English

inactivated her credit card so that she could not make any new charges. She later

reactivated it so that she could once again post charges to her account. After reactivating

her card, she noticed that certain transactions on her account were posted at the 21.5%



                                             2
interest rate. English believed that the charges were erroneously posted at this higher rate

because she had not received notice from PNC Bank of any change in interest rates. She

unsuccessfully attempted to contact the third party vendor in charge of customer service

for PNC Bank’s credit card department. English then directed a subordinate to access her

credit card account and transfer the transactions reported at the 21.5% cash transaction

interest rate to the 8.9% interest rate. On January 29, 1997, English and eleven other bank

employees were summoned to meet with supervisors regarding transactions in their

personal accounts. That same day, English was put on administrative leave for breaching

the Bank’s Code of Ethics when she engaged in personal transactions in her credit card

account.

       On January 31, 1997, English was placed on indefinite medical leave by her

psychiatrist, Dr. Friedman, who had treated her for depression and alcoholism. On

February 4, 1997, Patricia Purcell Mihalopoulos, a human resources representative, told

English by telephone that her employment with PNC was terminated effective

immediately. English responded that she could not be terminated because she was on

indefinite medical leave. Ms. Mihalopoulos answered that she would research this and

respond; however, she never did. Instead, PNC Bank sent English benefits applications.

English later received a $350.00 check. English then received an official termination

letter from Ms. Mihalopoulos, dated March 26, 1997, which stated that her dismissal was

effective February 4, 1997.



                                             3
       PNC Bank maintains that English was terminated because she conducted

transactions within her personal employee credit card account, an action forbidden by the

PNC Bank Code of Ethics Section 2.05 (Conflicts of Interest). PNC Bank specifically

asserts that English was fired for instructing a subordinate to transfer particular overdraft

transactions from “cash” to “merchandise” which carried the substantially lower interest

rate. English documented each step in the transfer to leave an audit trail. Her actions

caused her to underpay interest by approximately $40.00 1 by using an unauthorized credit

rate for her personal benefit.

       English argues that similarly situated younger individuals committed similar

infractions of the Code of Ethics and were not terminated and that she was replaced by a

younger employee. English submits that the reasons for her termination asserted by PNC

Bank were pretexts for discrimination based on her age and disability. English maintains

that she had no intent to deceive or defraud PNC Bank as evidenced by her creation of a

paper trail of her unauthorized and impermissible personal transactions.

       The District Court augmented and adopted the report and recommendation of the

Magistrate Judge. The District Court concluded that English was not disabled within the

meaning of the Americans with Disabilities Act or the Pennsylvania Human Relations




1.      It was initially documented that English had underpaid by $70.00; however, her
deposition testimony reveals that it was actually closer to $40.00.

                                              4
Act and that she had not met her burden of establishing that PNC Bank’s stated reasons

for her termination were pretextual. See 42 U.S.C. §§ 12101-12213; 43 Pa. Cons. Stat.

§§ 951-963. The District Court determined that she had failed to make out a prima facie

case of age discrimination under the Age Discrimination in Employment Act. 29 U.S.C.

§ 621 et seq.

                                             II.

       English is not disabled under the Americans with Disabilities Act or the

Pennsylvania Human Relations Act. See 42 U.S.C. §§ 12101-12213; 43 Pa. Cons. Stat.

§§ 951-963. She testified at her deposition that she had no limitations on her ability to

work at the time she was placed on administrative leave and subsequently terminated.

There is no evidence on the record to suggest that English’s abilities to think, learn and

concentrate were compromised at the time of her employment. Although English was in

counseling for depression and attending treatment meetings for alcoholism, there is

nothing to suggest that these conditions prevented her from attending to and successfully

performing her work. In fact, it was not until a full eighteen months after English’s

termination that her doctors said that she was having “some” problems thinking,

concentrating and remembering things. Dr. Friedman testified by affidavit that he had

treated English during the times she was still in PNC Bank’s employ and that her abilities

to think and learn were affected by her depression and alcoholism. However, he provided

no evidence to support his conclusions. “Merely having an impairment does not make



                                              5
one disabled for purposes of the ADA.” Toyota Motor Mfg. Ky., Inc. v. Williams, 

, 195 (2002). Instead, the plaintiff must demonstrate an impairment which

substantially limits major life activities – those of central importance to daily living. 

42 U.S.C. § 12102(2)(A). English is simply unable to show that she was

incapable of performing major life activities as a result of her impairments.

       English also points to no record evidence that PNC Bank’s stated reason for her

termination – violation of the Code of Ethics – was a pretext for age or disability

discrimination. See McDonnell Douglas Corp. v. Green, 

(1973); Simpson v.

Kay Jewelers, Div. of Sterling, Inc., 

(3d Cir. 1998). English’s problems

with alcohol and depression were known to her past supervisors and were in her

employee record. Nonetheless, there is no evidence that anyone at PNC Bank knew or

thought of English as being “disabled” when PNC Bank terminated her employment.

English did not notify anyone at PNC Bank that her doctor had placed her on indefinite

medical leave until after she had been told she was terminated. The people who made the

decision to terminate English did not know of any disability when they decided to

terminate her. Moreover, she testified that while she was still working, no impairment

affected her abilities.

       English also cannot make out a prima facie case of age discrimination under the

Age Discrimination in Employment Act. See 29 U.S.C. § 621 et seq. She fully admitted

that she violated the Code of Ethics section for which she was terminated. Similarly,



                                               6
although English alleges that she was replaced by a younger employee, her deposition

testimony reveals that she has “no idea of his title or anything like that.” In fact, the only

evidence proffered by English that she was replaced by a younger employee was hearsay

evidence.

       Some PNC Bank employees, younger than English, violated the same Code of

Ethics section as did she and were not terminated. However, PNC Bank produced

evidence that there were also nineteen individuals terminated for the same ethical

violation in 1997; thirteen of these individuals were under the age of forty. English cannot

simply choose to compare herself to people who help her case and ignore those who do

not. 

. She “cannot pick and choose a person she believes is

a valid comparator who was allegedly treated more favorably, and completely ignore a

significant group of comparators who were treated equally or less favorably than she.” 

to whom English compares herself had ethics violations that arose after

English’s termination and whose factual circumstances were substantially distinguishable

from her’s.




                                              7
                                            III.

       The record does not establish that PNC Bank’s asserted reasons for her termination

were pretextual. She simply cannot make out a prima facie case of age discrimination.

The order of the District Court will be affirmed.2




2.      Judge Stapleton would affirm the order of the District Court on the ground that
English has failed to proffer evidence from which a jury would infer that the reason for
her termination tendered by PNC Bank was a pretext for either disability or age
discrimination. Simpson, 

.

                                             8