OPINION AND ORDER

JAMES T. MOODY, District Judge.

Defendants Bank of New York Mellon Corporation (DE # 27) and Safeguard Properties, LLC (DE # 18) have both moved to dismiss Counts A, B, D, E, and F of plaintiffs Gerald Gordon and Tahara Brown's complaint. For the following reasons, those motions are granted in part and denied in part.

I. FACTUAL AND PROCEDURAL BACKGROUND

On November 22, 2010, plaintiffs purchased property in Newton County, IN, located at 1984 W. State Road 10, Lake Village, IN 46349. (DE # 8 at ¶ 9.) This property is referred to as Lots 2, 3, 4, and 6 of JL Walker's 6th Subdivision. (Id.) There is a single family residence on Lots 3 and 4. (Id.) Plaintiffs purchased this property with cash, and do not have any outstanding loans or mortgages associated with the property. (Id. at ¶ 10.) The property abutting plaintiffs' property to the north and the south was at one point owned by Steven Ashcraft. (Id. at ¶ 11.) In 2006, the CIT Group/Consumer Finance, Inc. foreclosed on the property owned by Ashcraft, and in 2009, the CIT Group/Consumer Finance, Inc. assigned its rights in the Ashcraft property to defendant Bank of New York Mellon Corporation ("BONY"). (Id. at ¶¶ 12-14.)

Plaintiffs moved into their house at 1984 W. State Road 10, Lake Village, IN in 2010. (Id. at ¶ 16.) Plaintiffs also own a house in Arizona, and in December 2010, plaintiffs left for Arizona. (Id. at ¶¶ 16-17.) Prior to leaving for Arizona, plaintiffs winterized and secured their house. (Id.) In May of 2011, while still in Arizona, plaintiffs learned that someone had mowed their lawn. (Id. at ¶ 18.) On June 2, 2011, plaintiffs had a friend check on the house for them. (Id. at ¶ 19.) Plaintiffs' friend found a sticker at the home, which identified defendant Safeguard Properties ("Safeguard") as a contractor which had been to the house to perform work. (Id. at ¶¶ 19-20.) Plaintiffs' friend also observed that the door to the house was unlocked, and went inside, where he discovered that much of plaintiffs' personal property had been removed from the home. (Id. at ¶¶ 21-22.) Additionally, the house itself was trashed, and there were dead animals inside. (Id. at ¶ 22.) Plaintiffs' friend informed plaintiffs of what he had found. (Id. at ¶¶ 21-22.)

After learning of the condition of the house, plaintiffs called the police and filed a police report. (Id. at ¶ 23.) Plaintiffs also called Safeguard and other entities to try to figure out who had been to the house and for what reason. (Id. at ¶ 24.) Safeguard and the other entities plaintiffs contacted were not forthcoming with information. (Id.) On June 7, 2011, plaintiffs had all of the locks at the house replaced. (Id. at ¶ 25.)

On August 11, 2011, plaintiffs returned from Arizona to find that the back door of the house had been broken and was standing open. (Id. at ¶ 26.) They also discovered that all of the doors in the house were damaged, and the inside of the house was trashed. (Id.) Most of plaintiffs' personal property was gone, and there were signs that the house had been winterized by a contractor. (Id.)

Plaintiffs eventually learned that their property had been listed by defendant BONY with a local realtor, Landmark Realty ("Landmark"). (Id. at ¶ 29.) Landmark had an online listing which contained pictures of plaintiffs' property. (Id.) The listing identified the house as being part of the property listed for sale. (Id.) Plaintiff Gerald Gordon contacted Landmark, and was told that Landmark had informed BONY that plaintiffs' house was not part of the property that BONY owned. (Id. at ¶ 30.) Mr. Gordon was also informed that Landmark had actually contacted the Newton County Building Inspector to confirm that BONY did not own the house. (Id.)

Plaintiffs allege that defendants BONY, and/or its agents and contractors, ordered the listing of plaintiffs' property with Landmark. (Id. at ¶ 31.) Additionally, plaintiffs allege that BONY and/or its agents and contractors knew that BONY had no legal interest in plaintiffs' property because of the assignment of the property, the recorded property records, and other information they obtained about the property.1 (Id.) Plaintiffs also allege that despite this knowledge, BONY ordered contractors to break into the house, change the locks, remove personal property, winterize the house, and cause other damage to plaintiffs' house. (Id.) Plaintiffs further allege that defendants hired agents and/or contractors, including defendant John Doe Corporation, to seize plaintiffs' home and property and set it for sale, despite knowing that these actions would cause injury to plaintiffs. (Id. at ¶ 32.)

On March 22, 2012, plaintiffs filed the current action against defendants. In their complaint, plaintiffs bring the following claims against all defendants: Civil conspiracy (Count A), violations of the Indiana Crime Victim's Relief Act (Count B), trespass (Count C), intentional infliction of emotional distress (Count D), invasion of privacy (Count E), violations of the fair Debt Collection Practices Act (Count F), and negligent hiring and supervision (Count H). Additionally, plaintiffs have brought a negligence claim against defendant BONY (Count G). Defendants Safeguard (DE # 18) and BONY (DE # 27) have now moved to dismiss Counts A, B, D, E, and F of plaintiffs' complaint.

II. LEGAL STANDARD

Defendants have moved to dismiss plaintiffs' claims under RULE 12(b)(6) of the FEDERAL RULES OF CIVIL PROCEDURE for failure to state a claim upon which relief may be granted. A judge reviewing a complaint under a RULE 12(b)(6) standard must construe it in the light most favorable to the non-moving party, accept well-pleaded facts as true, and draw all inferences in the non-movant's favor. Erickson v. Pardus, 551 U.S. 89, 93, 127 S.Ct. 2197, 167 L.Ed.2d 1081 (2007); Reger Dev., LLC v. Nat'l City Bank, 592 F.3d 759, 763 (7th Cir.2010). Under the liberal notice-pleading requirements of the FEDERAL RULES OF CIVIL PROCEDURE, the complaint need only contain "a short and plain statement of the claim showing that the pleader is entitled to relief." FED. R. CIV. P. 8(a)(2). To satisfy RULE 8(a), "the statement need only `give the defendant fair notice of what the... claim is and the grounds upon which it rests.'" Erickson, 551 U.S. at 93, 127 S.Ct. 2197 (quoting Bell Atl. Corp. v. Twombly, 550 U.S. 544, 555, 127 S.Ct. 1955, 167 L.Ed.2d 929 (2007)).

"While the federal pleading standard is quite forgiving, ... the complaint must contain sufficient factual matter, accepted as true, to state a claim to relief that is plausible on its face." Ray v. City of Chicago, 629 F.3d 660, 662-63 (7th Cir. 2011); Twombly, 550 U.S. at 555, 570, 127 S.Ct. 1955. A plaintiff must plead "factual content that allows the court to draw the reasonable inference that the defendant is liable for the misconduct alleged." Ashcroft v. Iqbal, 556 U.S. 662, 129 S.Ct. 1937, 1949, 173 L.Ed.2d 868 (2009). To meet this standard, a complaint does not need detailed factual allegations, but it must go beyond providing "labels and conclusions" and "be enough to raise a right to relief above the speculative level." Twombly, 550 U.S. at 555, 127 S.Ct. 1955 (citing Sanjuan v. Am. Bd. of Psychiatry & Neurology, 40 F.3d 247, 251 (7th Cir.1994) among other authorities). As the Seventh Circuit recently explained, a complaint must give "enough details about the subject-matter of the case to present a story that holds together." Swanson v. Citibank, N.A., 614 F.3d 400, 404 (7th Cir. 2010).

However, the plaintiff does not need to plead facts that establish each element of a cause of action and, "[a]t this stage the plaintiff receives the benefit of imagination, so long as the hypotheses are consistent with the complaint." Sanjuan, 40 F.3d at 251. Even if the truth of the facts alleged appears doubtful, and recovery remote or unlikely, the court cannot dismiss a complaint for failure to state a claim if, when the facts pleaded are taken as true, a plaintiff has "nudged their claims across the line from conceivable to plausible." Twombly, 550 U.S. at 555, 570, 127 S.Ct. 1955.

III. ANALYSIS2

A. Civil Conspiracy (Count A)

Plaintiffs contend that defendants engaged in a civil conspiracy to commit all of the other torts alleged in the complaint. (DE # 8 at 4.) Both Safeguard and BONY have now moved to dismiss plaintiffs' civil conspiracy claim. (DE # 19 at 9-10; DE # 28 at 4-5.) Specifically, defendants argue that plaintiffs have failed to allege sufficient factual support to put them on notice of the factual basis for plaintiffs' civil conspiracy claim. (DE # 19 at 9-10; DE # 28 at 4-5.)

As both defendants correctly point out, civil conspiracy is not an independent cause of action in Indiana. Heyser v. Noble Roman's Inc., 933 N.E.2d 16, 20 (Ind.Ct.App.2010). Instead, Indiana allows a cause of action for damages resulting from a civil conspiracy, Huntington Mortg. Co. v. Debrota, 703 N.E.2d 160, 168 (Ind.Ct.App.1998), and a "civil conspiracy must be alleged with an underlying tort." Noble Roman's Inc., 933 N.E.2d at 20. Indiana defines a civil conspiracy as "a combination of two or more persons, by concerted action, to accomplish an unlawful purpose or to accomplish some purpose, not in itself unlawful, by unlawful means." Debrota, 703 N.E.2d at 168. "It has been made clear that in order to state a claim upon which relief can be granted [on a civil conspiracy claim], a plaintiff `must allege a concerted action in the commission of a tort that resulted in damages.'" Smith v. Housing Authority of South Bend, 744 F.Supp.2d 775, 787 (N.D.Ind.2010) (quoting K.M.K. v. A.K., 908 N.E.2d 658, 663 (Ind.Ct.App.2009)); see also Iom Grain, LLC v. ZEA Global Seeds, SA, No. 1:10-CV-337, 2011 WL 5006314, at *14 (N.D.Ind. Oct. 20, 2011) ("As long as a complaint properly alleges damages resulting from a conspiracy to commit an underlying tort, it survives a motion to dismiss.").

In this case, plaintiffs have alleged that defendant BONY, despite possessing knowledge that it had no interest to plaintiffs' property, ordered its contractors and agents to break into plaintiffs' home, change the home's locks, remove personal belongings from the home, winterize the home, and generally cause damage to the home. (DE # 8 at ¶ 31.) Plaintiffs have also alleged that defendant Safeguard was one of the contractors that BONY had do this work for it, despite Safeguard having knowledge that BONY had no legal interest in the property3 (See id. at ¶¶ 20, 22, 31.) This is the alleged conduct that forms the basis for plaintiffs' tort claims, which plaintiffs have alleged resulted in damages. See Strauss v. Stratojac Corp., 810 F.2d 679, 684 n. 4 (7th Cir.1987) ("[L]iability in a civil conspiracy is for the damages arising from the acts committed pursuant to the conspiracy ...." (applying Indiana law)). Thus, plaintiffs have alleged a concerted action in the commission of a tort that resulted in damages, and plaintiffs' allegations are sufficient to state a claim for damages resulting from a civil conspiracy. Smith, 744 F.Supp.2d at 787.4

Defendant Safeguard also argues that plaintiffs' civil conspiracy claim must be dismissed because plaintiffs have failed to allege an unlawful purpose or allege any concerted acts between identifiable parties to accomplish that purpose. (DE # 19 at 10.) Plaintiffs, have, however, alleged that despite BONY and Safeguard having knowledge that BONY had no legal interest in plaintiffs' property, BONY instructed Safeguard to break into plaintiffs' home, dispose of the possessions inside the home, and ransack the home. (See DE # 8 at ¶ 31.) This sufficiently puts defendants on notice of the alleged unlawful purpose and concerted acts of the conspiracy, and Safeguard's argument therefore fails.5

Defendants' motions to dismiss will accordingly be denied as they relate to plaintiffs' civil conspiracy claim.

B. Indiana Crime Victim's Relief Act (Count B)

In Count B of their amended complaint, plaintiffs allege that defendants are liable for violations of the Indiana Crime Victim's Relief Act, IND.CODE § 34-24-3-1. (DE # 8 at 4-5.) "The Indiana Crime Victim's Relief Act ... permits victims of certain crimes who have suffered a pecuniary loss to recover treble damages from the perpetrator." Sharkey v. Cochran, No. 1:09-cv-0517, 2012 WL 967057, at *5 (S.D.Ind. Mar. 21, 2012). To recover under the Indiana Crime Victim's Relief Act, a plaintiff need not prove that a defendant was actually convicted of a crime. Quicken Loans, Inc. v. Downing, No. 1:10-cv-1565, 2012 WL 4762411, at *4 (S.D.Ind. Oct. 5, 2012). Instead, a plaintiff must prove that the defendant committed the alleged crime by a preponderance of the evidence. Gilliana v. Paniaguas, 708 N.E.2d 895, 899 (Ind.Ct.App.1999). "[B]ecause the statute is punitive, the Indiana Crime Victim's Relief Act is to be strictly construed." Downing, 2012 WL 4762411, at *4.

In their amended complaint, plaintiffs specifically allege that defendants violated the Indiana Crime Victim's Relief Act by committing the following crimes: criminal mischief (DE # 8 at ¶ 35), residential entry (id. at ¶ 36), criminal trespass (id. at ¶¶ 37-39), theft (id. at ¶ 40), and conversion (id. at ¶ 41). "A victim claiming relief under the [Indiana Crime Victim's Relief Act] must prove by a preponderance of the evidence all elements of the alleged criminal conversion, including the requisite criminal intent." Palmer Dodge, Inc. v. Long, 791 N.E.2d 788, 791 (Ind.Ct. App.2003). To prove their claims of residential entry (IND.CODE § 35-43-2-1.5), criminal trespass (IND.CODE § 35-43-2-2(a)), theft (IND.CODE § 35-43-4-2(a)), and conversion (IND.CODE § 35-43-4-3(a)), plaintiffs will have to show that defendants "knowingly or intentionally" committed those crimes by a preponderance of the evidence. For their criminal mischief claim, plaintiffs will have to prove that defendants committed that crime "recklessly, knowingly, or intentionally" by a preponderance of the evidence. IND.CODE § 35-43-1-2(a).

Defendant BONY (DE # 28 at 5-6) and defendant Safeguard (DE # 19 at 5-7) both argue that plaintiffs have failed to allege any facts to support their claims that defendants had the criminal intent required to be held liable for any of these claims. Both defendants correctly point out that the paragraphs under plaintiffs' Indiana Crime Victim's Relief Act Count (DE # 8 at ¶¶ 34-43) simply list the elements of the various crimes that provide the basis for plaintiffs' Indiana Crime Victims' Relief Act claims, which the court may disregard in evaluating defendants' motions to dismiss. (DE # 28 at 5; DE # 19 at 6); McCauley v. City of Chicago, 671 F.3d 611, 616 (7th Cir.2011). Plaintiffs, however, incorporate the factual allegations from the previous paragraphs into their Indiana Crime Victim's Relief Act Count, including the allegation that:

(DE # 8 at ¶ 31. (emphasis added)).

Neither BONY nor Safeguard have directly addressed this paragraph of plaintiffs' complaint. (See DE # 19, DE # 28.) These allegations, however, taken as true, which the court must do while reviewing defendants' motions to dismiss, are sufficient to allege that defendants BONY and Safeguard had the criminal intent required by the specific offenses under the Indiana Crime Victim's Relief Act. (See IND.CODE § 35-41-2-2(a) ("A person engages in conduct `intentionally' if, when he engages in the conduct, it is his conscious objective to do so."); IND.CODE § 35-41-2-2(b) ("A person engages in conduct `knowingly' if, when he engages in the conduct, he is aware of a high probability that he is doing so."). Therefore, defendants' argument on this issue fails.7

Defendant BONY also argues that plaintiffs have failed to allege facts sufficient to state a claim for criminal trespass under IND.CODE § 35-43-2-2(a)(1), which states that "[a] person who ... not having a contractual interest in the property, knowingly or intentionally enters the real property of another person after having been denied entry by the other person or that person's agent ... commits criminal trespass[.]" IND.CODE § 35-43-2-2(a) (1); (DE # 28 at 5.) Although BONY argues that plaintiffs' criminal trespass claim under IND.CODE § 35-43-2-2(a)(1) (DE # 8 at ¶ 37) has several deficiencies, the court need only address one: there is no allegation regarding who denied the bank entry into plaintiffs' home or even that there was a denial of entry at all.8 (See DE # 28 at 5.) The allegations in plaintiffs' complaint make clear that the alleged break-ins at their home occurred while they were in Arizona, and there are no allegations that the plaintiffs or anyone else ever denied any defendant entry into their home. Therefore, plaintiffs have failed to allege facts sufficient to state a claim for criminal trespass under IND.CODE § 35-43-2-2(a)(1), and that claim will be dismissed.9 (DE # 8 at ¶ 37.)

C. Intentional Infliction of Emotional Distress (Count D)

Plaintiffs also contend that defendants are liable for the tort of intentional infliction of emotional distress ("IIED"). (DE # 8 at 5-6.) In order to establish the tort of IIED under Indiana law, a plaintiff must show that the defendant "(1) engage[d] in extreme and outrageous conduct; (2) which intentionally or recklessly; (3) causes; (4) severe emotional distress to another." Waldrip v. Waldrip, 976 N.E.2d 102, 117 (Ind.Ct.App.2012). "The requirements to prove this tort are rigorous." Lachenman v. Stice, 838 N.E.2d 451, 456 (Ind.Ct.App.2005).

Defendant BONY first argues that the allegations regarding plaintiffs' IIED claim are insufficient to constitute "extreme and outrageous" conduct, as required by Indiana law. (DE # 28 at 6-7.) "Intentional infliction of emotional distress is found where conduct exceeds all bounds usually tolerated by a decent society and causes mental distress of a very serious kind." Stice, 838 N.E.2d at 457. Indiana courts look to the Restatement in determining whether conduct is "extreme and outrageous":

Lindsey v. DeGroot, 898 N.E.2d 1251, 1264 (Ind.Ct.App.2009) (quoting Restatement (Second) of Torts § 46, cmt. D). "[C]ourts applying Indiana law may, in appropriate cases, determine what constitutes extreme and outrageous conduct as a matter of law." Rowe v. Gary Hous. Auth., No. 2:06 CV 291, 2008 WL 754254, at *5 (N.D.Ind. Mar. 18, 2008).

In response to defendant BONY's argument, plaintiffs state that they and defendant BONY "have different opinions as to what is `outrageous.'" (DE # 35 at 6.) Unfortunately, in their initial briefs, neither defendant BONY nor plaintiffs cite any cases giving specific examples of what does or does not constitute "extreme and outrageous" conduct under Indiana law. (See DE # 28 at 6-7; DE # 35 at 6.) In its reply brief, defendant BONY does cite two cases in support of its argument that the alleged conduct in this case was not "extreme and outrageous." (DE # 38 at 3-4.) Those cases, however, discuss IIED claims regarding the treatment of human corpses, Johnson ex rel. Ind. Dep't of Child Servs. v. Marion Cnty. Coroner's Office, 971 N.E.2d 151 (Ind.Ct.App.2012); York v. Fredrick, 947 N.E.2d 969 (Ind.Ct.App. 2011), and are not sufficiently analogous to provide any real insight into analyzing the alleged conduct in this case.

Through its own research, the court was only able to find one case from Indiana or a federal court in the Seventh Circuit dealing with an IIED claim in the context of the alleged destruction of a home. In Honaker v. Smith, the plaintiff alleged that the defendant burned down the plaintiff's home in an attempt to get him to leave town.10 256 F.3d 477, 491-93 (7th Cir.2001). In that case, the Seventh Circuit analyzed whether the alleged conduct was "extreme and outrageous," and concluded that "intentionally causing a person's house to be set on fire in an effort to force him to leave town also would be deemed to `go beyond all possible bounds of decency ... and be regarded as intolerable in a civilized community.'" Id. at 492 (citing Kolegas v. Heftel Broad. Corp., 154 Ill.2d 1, 180 Ill.Dec. 307, 607 N.E.2d 201, 211 (1992)).

In this case, plaintiffs have alleged that defendants knew that BONY had no legal interest in plaintiffs' property, but BONY still instructed Safeguard to enter plaintiffs' home, remove personal property from the home, and basically trash the home. This alleged conduct, if true, is similar enough to the conduct in Honaker that the court cannot conclude, as a matter of law, that this conduct is not "extreme and outrageous." Therefore, defendant BONY's motion to dismiss plaintiffs' IIED claim is denied as it relates BONY's argument that the alleged conduct in this case was not "extreme and outrageous."

Both defendants also argue that plaintiffs have failed to allege that defendants intended to inflict emotional harm on plaintiffs through their actions. (DE # 19 at 7-8; DE # 28 at 6.) In response, plaintiffs contend that they have adequately alleged that defendants intended to cause them emotional harm. (See DE # 30 at 7; DE # 35 at 6.)

The Indiana Supreme Court adopted the tort of intentional infliction of emotional distress in Cullison v. Medley, 570 N.E.2d 27, 31 (Ind.1991); see also Lindsey v. DeGroot, 898 N.E.2d 1251, 1264 (2009). In that case, the court adopted the Restatement's definition of intentional infliction of emotional distress, which provides the elements listed above. Cullison, 570 N.E.2d at 31. In Cullison, the court also stated that "[i]t is the intent to harm one emotionally that constitutes the basis for the tort of an intentional infliction of emotional distress." Id. The intentional infliction of emotional distress occurs, however, "not only where an actor desires to inflict severe emotional distress, but also where he knows that such distress is certain, or substantially certain, to result from his conduct." Chivers v. Central Noble Comm. Schools, 423 F.Supp.2d 835, 857 (N.D.Ind.2006); see also Arizanovska v. Wal-Mart Stores, Inc., No. 1:09-cv-1404, 2011 WL 4402561, at *7 (S.D.Ind. Sept. 22, 2011) (same); Bradley v. Hall, 720 N.E.2d 747, 752 n. 6 (Ind.Ct.App.1999).

In this case, plaintiffs have alleged that defendant BONY knew that it had no interest in plaintiffs' property. (DE # 8 at ¶ 31.) Additionally, plaintiffs allege that, despite this knowledge, defendant BONY ordered contractors to break into plaintiffs' home, remove personal property, and otherwise generally ransack the home. (Id.) Although plaintiff may not have specifically alleged that defendant BONY intended to cause emotional harm by its alleged actions, these facts sufficiently allege that defendant BONY knew that severe emotional distress was "certain, or substantially certain, to result from [its] conduct." Chivers, 423 F.Supp.2d at 857. Therefore, defendant BONY's argument on this issue fails.

As for defendant Safeguard, as noted above, plaintiffs have alleged that Safeguard knew that BONY had no legal interest in plaintiffs' property. (See DE # 8 at ¶ 31.) Additionally, plaintiffs have alleged that despite this knowledge, defendant Safeguard followed BONY's instructions, broke into plaintiffs' house, removed personal property, and generally trashed the house. (DE # 8 at ¶ ¶ 19-22, 31.) As with defendant BONY, although plaintiffs have not alleged that defendant Safeguard intended to cause emotional harm by its alleged actions, these facts are sufficient to allege that defendant Safeguard knew that severe emotional distress was "certain, or substantially certain, to result from [its] conduct." Chivers, 423 F.Supp.2d at 857. Therefore, defendant Safeguard's argument on this issue fails.

Defendants' motions to dismiss will be denied as they relate to plaintiffs' intentional infliction of emotional distress claim.

D. Invasion of Privacy (Count E)

Both defendants have moved to dismiss plaintiffs' invasion of privacy claim. (DE # 19 at 8; DE # 28 at 7.) Plaintiffs do not contest the dismissal of this claim. (DE # 30 at 7; DE # 35 at 7.) Accordingly, plaintiffs' invasion of privacy claim will be dismissed.

E. Violations of the Fair Debt Collection Practices Act (Count F)

Plaintiffs have also alleged that defendants violated the Fair Debt Collection Practices Act through their alleged conduct. (DE # 8 at 7.) Congress enacted the Fair Debt Collection Practices Act ("FDCPA") to "eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses." 15 U.S.C. § 1692(e). The FDCPA therefore prohibits debt collectors from using "false, deceptive, or misleading representation[s] or means" and "unfair or unconscionable means" while collecting or attempting to collect any debt. Id. §§ 1692e & 1692f.

Defendant BONY first argues that plaintiffs' FDCPA claim must be dismissed because plaintiffs were not "consumers" as that word is defined under the FDCPA. (DE # 28 at 8-9.) The FDCPA defines "consumer" as "any natural person obligated or allegedly obligated to pay any debt." 15 U.S.C. § 1692a(3). BONY argues that plaintiffs have not alleged that they were obligated to pay a debt or that BONY has ever alleged that plaintiffs were obligated to pay a debt. (See DE # 28 at 8-9.) In response, plaintiffs correctly point out that the FDCPA protects not only those people who are obligated to pay a debt, but also those people who are allegedly obligated to pay a debt, even if there is not an actual debt. (DE # 35 at 7.) Plaintiffs argue that because they have alleged that BONY undertook collection activities by taking nonjudicial action to dispossess them of their property, they have properly alleged that they are consumers under the FDCPA. (DE # 35 at 7-8.)

It is important to first note that plaintiffs do not appear to contest defendant BONY's argument that there is no allegation that plaintiffs actually owed any debt. As defendant BONY correctly points out (DE # 28 at 8-9), plaintiffs have alleged that they purchased their property with cash and have no outstanding loans or mortgages on the property. (DE # 8 at ¶ 10.) Thus, plaintiffs argument that they meet the FDCPA's definition of "consumer" is limited to the argument that they were allegedly obligated to pay a debt. (DE # 35 at 7-8.) Plaintiffs argument is that because they have alleged that defendants undertook collection activities, specifically, that BONY took nonjudicial action to dispossess plaintiffs of their property, that this "presupposes that [BONY] alleged or asserted that the owner of [plaintiffs' property] was obligated to pay a debt." (Id.)

Plaintiffs base this argument on Bridge v. Ocwen Federal Bank, FSB, a case from the Sixth Circuit. 681 F.3d 355 (6th Cir. 2012). Plaintiffs direct the court to the following language from Bridge: "[T]he pursuit of collection activities presupposes that the collector alleges or asserts that the subject of those activities is obligated [to pay a debt]." Id. at 362. As BONY points out in its reply brief (DE # 38 at 4), however, the facts of the Bridge case are extremely different than the facts of the case at hand. In Bridge, the plaintiffs alleged that defendants sent them threatening letters, made "endless" collection phone calls, assessed late fees, and threatened to foreclose on the plaintiffs' property, despite the fact that there was no actual debt owed. Bridge, 681 F.3d at 358.

The court agrees with the Bridge court that in situations where conduct is inherently associated with the collection of a debt (i.e. debt collection letters, debt collection phone calls, other threats regarding collection of a debt), "the pursuit of collection activities presupposes that the collector alleges or asserts that the subject of those activities is obligated [to pay a debt.]" Bridge, 681 F.3d at 362. In this case, however, the alleged conduct that plaintiffs assert constitutes collection activity, that defendants broke into plaintiffs' home, removed plaintiffs' personal belongs, and trashed plaintiffs' home, is not inherently associated with the collection of a debt. Moreover, there has been no allegation that plaintiffs owed any debt, or that any defendant alleged that plaintiffs owed a debt, or even mentioned that a debt existed. All that has been alleged is that defendant BONY ordered contractors to break into plaintiffs' home, remove personal property, and trash the home. There are no allegations that any defendant made any sort of communication, threat, or any mention regarding a debt owed by plaintiffs. Without any sort of allegation that these acts were done in an attempt to collect a debt, they are not sufficient to bring plaintiffs under the protection of the FDCPA.11

Defendant BONY also argues that plaintiffs' FDCPA claim must be dismissed because there was no attempt to collect a debt in this case. (DE # 28 at 9-10.) This argument goes hand in hand with BONY's argument that plaintiffs were not consumers, but because plaintiffs raise additional arguments in support of their FDCPA claim while responding to this argument, the court will address this argument separately.

If there was no attempt to collect a debt in this case, plaintiffs do not have a claim for the violation of the FDCPA. Brown v. Budget Rent-A-Car Sys., Inc., 119 F.3d 922, 924 (11th Cir.1997) (noting a threshold requirement to an FDCPA claim is that "the prohibited practices alleged were used in an attempt to collect a debt as defined by the [FDCPA]."); Mabe v. G.C. Servs. Ltd. P'ship, 32 F.3d 86, 87-88 (4th Cir.1994) ("Congress enacted the FDCPA to protect consumers from unfair debt collection practices. Consequently, a threshold requirement for application of the FDCPA is that the prohibited practices are used in an attempt to collect a `debt.'" (citations omitted)); Zimmerman v. HBO Affiliate Grp., 834 F.2d 1163, 1167 (3d Cir.1987) ("A threshold requirement for application of the FDCPA is that the prohibited practices are used in an attempt to collect a `debt[.]'"); Isaacson v. Saba Comm. Servs. Corp., 636 F.Supp.2d 722, 724 (N.D.Ill.2009) ("To bring a successful claim under FDCPA, plaintiff must show: 1) that defendant was a `debt collector;' 2) that there was an attempt to collect a debt; and 3) the collection practice was abusive or unfair as defined under the FDCPA." (emphasis added)); Hill v. Mutual Hosp. Serv., Inc., 454 F.Supp.2d 779, 782 (S.D.Ind.2005) ("[T]he threshold requirement for enforcing the FDCPA is that the alleged prohibited practices have been used in an attempt to collect a debt.").

The FDCPA defines "debt" as "any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment." 15 U.S.C.A. § 1692a(5). In this case, plaintiffs have not alleged the existence of a debt, that either defendant BONY or defendant Safeguard were attempting to collect a debt, or even that defendant BONY or defendant Safeguard mistakenly believed that plaintiffs were obligated to pay a debt.

In response to this argument, plaintiffs direct the court to 15 U.S.C. § 1692f(6), which states:

15 U.S.C.A. § 1692f(6). Plaintiffs cite this provision for the proposition that "taking nonjudicial action to effect dispossession of property without a present right to possession of the property is collecting a debt." (DE # 35 at 8.)

This argument is not persuasive for two reasons. First, when § 1692f lists conduct that violates that section, it presupposes that the actions are used in an attempt to collect a debt. 15 U.S.C. § 1692f ("A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt." (emphasis added)). Second, defendants argument that anyone that takes any "nonjudicial action to effect dispossession of property without a present right to possession of the property" is actually collecting a debt would extend the protections of the FDCPA well beyond its intended purpose (DE # 35 at 8), to protect consumers from debt collection abuses, 15 U.S.C. § 1692(e), because it would make the FDCPA applicable to situations, like the case at hand, where there is no hint of any attempt to collect a debt or any attempt to collect an alleged debt. This is not what the FDCPA was intended to do, and plaintiffs' FDCPA claim (Count F) is therefore dismissed.12

IV. CONCLUSION

Defendants Bank of New York Mellon Corporation (DE # 27) and Safeguard Properties, LLC's (DE # 18) motions to dismiss are GRANTED as they relate to plaintiffs's criminal trespass claim under IND.CODE § 35-43-2-2(a)(1) (Count B, DE # 8 at DE ¶ 37),13 plaintiffs' invasion of privacy claim (Count E), and plaintiffs' claim under the Fair Debt Collection Practices Act (Count F), and DENIED as to plaintiffs' civil conspiracy claim (Count A), plaintiffs' remaining claims under the Indiana Crime Victim's Relief Act (Count B), and plaintiffs' intentional infliction of emotional distress claim (Count D.) Neither defendant moved to dismiss plaintiffs' trespass claim (Count C) or plaintiffs' negligent hiring claim (Count H), and defendant BONY did not move to dismiss plaintiffs' negligence claim (Count G), which plaintiffs' brought against BONY only. Therefore, those claims also remain pending.

SO ORDERED.