MEMORANDUM OPINION AND ORDER
JOAN B. GOTTSCHALL, District Judge.
Before the court is a motion by defendant Charter One Bank, N.A. ("Charter One") to dismiss the amended class action complaint pursuant to Federal Rule of Civil Procedure 12(b)(6). For the reasons stated below, the motion is granted in part and denied in part.
I. BACKGROUND1
Plaintiff Robert Green ("Green") received a Charter One...
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