BLD-390                                                        NOT PRECEDENTIAL

                        UNITED STATES COURT OF APPEALS
                             FOR THE THIRD CIRCUIT
                                  ___________

                                       No. 16-1042
                                       ___________

                          KHALEEM ASIATIC ALLAH-BEY,
                                         Appellant

                                             v.

    BRETT A. ROBERTS; STEVEN M. JONES; KENNETH S. BOOTH; DOUGLAS W.
                BUSK; CREDIT ACCEPTANCE CORPORATION
                   ____________________________________

                     On Appeal from the United States District Court
                        for the Eastern District of Pennsylvania
                         (D.C. Civil Action No. 2:15-cv-04540)
                      District Judge: Honorable Petrese B. Tucker
                      ____________________________________

    Submitted for Possible Dismissal for Jurisdictional Defect or Summary Action Under
                          Third Circuit LAR 27.4 and I.O.P. 10.6
                                      August 25, 2016

               Before: KRAUSE, SCIRICA, and FUENTES, Circuit Judges

                           (Opinion filed: September 16, 2016)
                                       ___________

                                        OPINION*
                                       ___________

PER CURIAM




*
 This disposition is not an opinion of the full Court and pursuant to I.O.P. 5.7 does not
constitute binding precedent.
       Khaleem Asiatic Allah-Bey appeals from the District Court’s order dismissing his

complaint. Because the appeal presents no substantial question, we will summarily

affirm. See 3d Cir. L.A.R. 27.4; I.O.P. 10.6.

       Allah-Bey filed a complaint in the District Court against Credit Acceptance

Corporation and several of its corporate officers (collectively “Credit Acceptance”). In

the complaint, Allah-Bey stated that he failed to make payments after entering into an

installment agreement with Credit Acceptance to purchase an automobile. Allah-Bey

alleged that the loan was deceptive and fraudulent because it “resembled” a process

“where the borrower funds his own loan,” that “no consideration was provided,” and that

“the loan was entered as a liability and an asset” by Credit Acceptance. Allah-Bey also

alleged that Credit Acceptance reported the delinquency to three credit bureaus, which

damaged Allah-Bey’s reputation and credit-worthiness.

       Credit Acceptance moved to dismiss the complaint for failure to state a claim upon

which relief could be granted. After briefing on the motion to dismiss, the District Court

dismissed Allah-Bey’s complaint with prejudice in a single order that also set out the

reasoning for the dismissal. In sum, the District Court observed that Allah-Bey’s legal

theory—i.e., that Credit Acceptance did not actually lend Allah-Bey any money since it

treated his promise to pay as an asset—is identical to the “vapor money” legal theory that

numerous federal courts have rejected as frivolous.

       After the District Court dismissed the complaint on December 3, 2015, Allah-Bey

filed a notice of appeal on January 7, 2016. On appeal, Credit Acceptance has argued
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that Allah-Bey’s appeal is untimely under Federal Rule of Appellate Procedure

4(a)(1)(A) because it was filed more than 30 days after the dismissal order, and has thus

moved that we dismiss the appeal for want of appellate jurisdiction.

       That motion, however, disregards Federal Rule of Civil Procedure 58(a), which

requires that District Courts set out their judgments in separate documents. When the

judgment is not set out in a separate document, the time of entry of judgment is deemed

to be when 150 days have run from order date in the civil docket. Fed. R. Civ. P.

58(c)(2)(B); Fed. R. App. P. 4(a)(7). Here, the District Court issued a single order on

December 3, 2015, that dismissed Allah-Bey’s complaint and explained its reasons for

the dismissal. See In re Cendant Corp., 

, 241 (3d Cir. 2006) (“[A]n order

will be treated as a separate document if it meets three criteria: first, the order must be

self-contained and separate from the opinion; second, the order must note the relief

granted; and third, the order must omit (or substantially omit) the District Court’s reasons

for disposing of the parties’ claims.”). Consequently, judgment was not deemed entered

until 150 days later, on May 1, 2016. Allah-Bey’s notice of appeal was therefore timely

filed on January 7, 2016.

       Although the appeal is timely, there is no substantial question that the District

Court was correct to dismiss Allah-Bey’s complaint for failure to state a claim. The

complaint was subject to dismissal “if the pleading [did] not plausibly suggest an

entitlement to relief,” and our review of that question is plenary. Huertas v. Galaxy Asset

Mgmt., 

, 32 (3d Cir. 2011) (per curiam). A complaint plausibly suggests an
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entitlement to relief when its factual allegations allow a court to draw the reasonable

inference that a defendant is liable for the harm alleged. Santiago v. Warminster Twp.,

, 128 (3d Cir. 2010). We construe Allah-Bey’s pro se pleadings liberally,

see Haines v. Kerner, 

, 520 (1972), and may affirm the judgment on any

basis that the record supports, see Murray v. Bledsoe, 

, 247 (3d Cir. 2011)

(per curiam). We will summarily affirm the District Court’s order if the appeal presents

no substantial question. See 3d Cir. L.A.R. 27.4; I.O.P. 10.6.

       In this case, Allah-Bey’s complaint conceded that Credit Acceptance offered him a

loan to purchase an automobile, and conceded that he stopped making payments under

that agreement. Allah-Bey’s justification for failing to make those payments was his

assertion that the installment agreement was deceptive and fraudulent, but that assertion

depended on “conclusory statements” that cannot support any viable cause of action. See

Ashcroft v. Iqbal, 

, 678 (2009). Allah-Bey offered no basis for his assertion

that Credit Acceptance essentially loaned his own money back to him, and the facts that

he set out did not support any valid legal theory entitling him to relief.

       Consequently, Credit Acceptance’s motion to dismiss the appeal is denied, but the

appeal presents no substantial question and we will affirm the District Court’s judgment.




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