The opinion of the court was delivered by: James F. Holderman, Chief Judge
MEMORANDUM OPINION AND ORDER
On June 1, 2005, plaintiffs Evelyn Clark, ("Clark"), and Bradley Eldred ("Eldred"), (collectively "plaintiffs"), on behalf of themselves and all others similarly situated, filed a second amended class action complaint against defendants Experian Information Solutions, Inc. ("Experian"), and ConsumerInfo.com (collectively "defendants"), alleging a violation of the Illinois Consumer Fraud Deceptive Practices Act, 815 ILCS 505/1 et seq., ("Consumer Fraud Act"), negligent misrepresentation and unjust enrichment. (Dkt. No. 143). Currently pending before the court are three motions filed on May 26, 2006: (1) the defendants' motion for summary judgment against Clark, (Dkt. No. 259), (2) the defendants' motion for summary judgment against Eldred, (Dkt. No. 262), and (3) the plaintiffs' joint motion for summary judgment against the defendants. (Dkt. No. 265). Also pending is the plaintiffs' motion filed July 10, 2006 to strike the defendants' declaration of Carol A. Scott ("Scott"). (Dkt. No. 289). For the reasons set forth below, this court grants the defendants' May 26, 2006 motions for summary judgment against plaintiffs Clark and Eldred. The granting of the defendants' pending motions for summary judgment moots the plaintiffs' motion for summary judgment (Dkt. No. 265) and motion to strike Scott's declaration. (Dkt. No. 289).
In essence, plaintiffs Clark and Eldred allege that the defendants have "engaged in an unfair and deceptive act and practice by luring customers onto various web sites they jointly operate with the promises of a 'free' credit report, ... [but] by accepting the 'free' credit report ... consumers [including the plaintiffs] unknowingly enroll in and commit themselves to pay for the defendants' CreditCheck Monitoring Service, ("CMS")." (Dkt. No. 143 at ¶ 2). A primary focus of the plaintiffs' argument is on the alleged deceptive nature of the defendants websites including evidence of action taken by the Federal Trade Commission ("FTC"), Better Business Bureau ("BBB") and credit card companies in response to the defendants' business practices on the websites. Basing their argument on a belief that the defendants' websites are deceptive, the plaintiffs assert that they too have been deceived and therefore are entitled to judgment on their claims. The defendants have responded that the plaintiffs have not provided any evidence to demonstrate that they have been deceived, nor incurred any damages, and therefore they are entitled to judgment.*fn2
SUBJECT MATTER JURISDICTION
This case was initially filed as a class action in the Circuit Court of Cook County and then was properly removed to this court on the basis of diversity jurisdiction pursuant to 28 U.S.C. §§ 1332, 1441. Complete diversity has existed at all times because the plaintiffs are Illinois citizens and the defendants are corporations with California and Ohio citizenship. At the time of the original removal, the plaintiffs' complaint originally sought equitable relief which would have required efforts by the defendants costing in excess of $75,000. Additionally, Clark sought individual damages of $104.90 and Eldred sought his individual damages of $274.80. The plaintiffs' second amended complaint eliminated the equitable demand due to an intervening agreement between the FTC and the defendants thus reducing the amount remaining in dispute to the $379.80 in individual claims. (Dkt. No. 143). However, this court continues to have subject matter jurisdiction in this case pursuant to diversity of citizenship because "post-removal events ... do not authorize remand of a suit that was within federal jurisdiction when removed." Rising-Moore v. Red Roof Inns, Inc., 435 F.3d 813, 816 (7th Cir. 2006) (citing St. Paul Mercury Indem. Co. v. Red Cab Co., 303 U.S. 283, 293 (1938)); see, e.g., Shaw v. Dow Brands, Inc., 994 F.2d 364, 368 (7th Cir. 1993), amended on other grounds by, Meridian Sec. Ins. Co. v. Sadowski, 441 F.3d 536 (7th Cir. 2006) ("Once removal is perfected, the plaintiff cannot suddenly decide that, after all, the amount in controversy is less than the jurisdiction amount so that the case must go shuffling back to state court.").
Under Rule 56, summary judgment is proper "if the pleadings, depositions, answers to interrogatories, and admissions on file, together with the affidavits, if any, show that there is no genuine issue as to any material fact and that the moving party is entitled to a judgment as a matter of law." Fed. R. Civ. P. 56(c). This court's function is not to weigh the evidence and determine the truth of the matter, but to determine whether there is a genuine issue for trial. See Albiero v. City of Kankakee, 246 F.3d 927, 932 (7th Cir. 2001) ("The primary purpose of summary judgment is to isolate and dispose of factually unsupported claims."). The evidence of the non-movant must be believed and all justifiable inferences must be drawn in the non-movant's favor. Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 255 (1986). A party who bears the burden of proof on a particular issue may not rest on its pleadings, but must affirmatively demonstrate, by specific factual allegations, that there is a genuine issue of material fact that requires trial. Celotex Corp. v. Catrett, 477 U.S. 317, 324 (1986); see, e.g., Koszola v. Bd. of Educ. of the City of Chicago, 385 F.3d 1104, 1111 (7th Cir. 2004) (citing Johnson v. Cambridge Indus., Inc., 325 F.3d 892, 901 (7th Cir. 2003); Schacht v. Wis. Dep't of Corr., 175 F.3d 497, 504 (7th Cir. 1999) (Summary judgment is the movement in the lawsuit "when a party must show what evidence it has that would convince a trier of fact to accept its version of events.")). In considering a motion for summary judgment, this court is not required to scour the record in search of evidence to defeat the motion; the nonmoving party must identify with reasonable particularity the evidence upon which the party relies. Johnson v. Cambridge Indus., Inc., 325 F.3d 892, 898 (7th Cir. 2003). The evidence relied upon in defending a motion for summary judgment must be competent evidence of a type otherwise admissible at trial. Stinnett v. Iron Work Gym/Exercise Health Spa, Inc., 301 F.3d 610, 613 (7th Cir. 2002).
Turning to the merits of the case, the plaintiffs claimed damages totaling $379.70 allegedly from defendants' violations of the Consumer Fraud Act, Illinois common law negligent misrepresentation and unjust enrichment. "To succeed in a private cause of action under the Consumer Fraud Act, a plaintiff must prove (1) a deceptive act or practice by the defendant, (2) the defendant's intent that the plaintiff rely on the deception, (3) the occurrence of the deception in the course of conduct involving trade or commerce, and (4) actual damages to the plaintiff (5) proximately caused by the deception." Avery v. State Farm Mut. Auto. Ins. Co., 835 N.E.2d 801, 856 (Ill. 2005) (citing Oliveira v. Amoco Oil Co., 776 N.E.2d 151, 160 (Ill. 2002)). "To prevail on a negligent misrepresentation claim a plaintiff must ... prove: (1) a false statement of material fact; (2) carelessness or negligence in ascertaining the truth of the statement by the party making it; (3) an intention to induce the other party to act; (4) action by the other party in reliance on the truth of the statement; (5) damages to the other party resulting from such reliance; and (6) when the party making the statement is under a duty to communicate accurate information." Equity Builders and Contractors, Inc. v. Russell, 406 F. Supp. 2d 882, 890 (N.D. Ill. 2005) (citing Roe v. Jewish Children's Bureau of Chicago, 790 N.E.2d 882, 893 (Ill. App. Ct. 2003)). "To state a valid claim for unjust enrichment, plaintiff must allege 'that there has been unjust retention of a benefit to the plaintiff's detriment.'" Taylor, Bean & Whitaker Mortgage Corp. v. Vincent Cebulak, No. 02 C 7424, 2004 WL 2106605, at *15 (N.D. Ill. Sept. 20, 2004) (quoting Dames & Moore v. Baxter & Woodman, Inc., 21 F. Supp. 2d 817, 827 (N.D. Ill. 1998)).
1. Defendants' Motion for Summary Judgment as to Clark
Clark purchased a $24.95 credit report and registered for a yearly credit monitoring service costing $79.95 resulting in the $104.90 in dispute. The question of whether the defendants websites are deceptive, or whether Clark was deceived, is irrelevant because she cannot demonstrate any actual damages, a required element for her claims. Clark admits that she has been fully refunded the $79.95 she paid for the credit monitoring service with $70.99 coming directly from the defendants and $8.96 coming from the defendants via her credit card company through a charge back leveled on the defendants. (Dkt. No. 283 at ¶¶ 28-32). She even received finance charge adjustments from her credit card company of $.20 and $1.17. (Id. at ¶ 33).
As for the $24.95 credit report, the court recognizes that Clark has not been reimbursed for that cost. However, Clark admits that she paid the $24.95 charge on her credit card bill, had reviewed her bill before paying it and did not take any action until her next month's bill included the $79.95 charge. (Id. at ¶¶ 19-23). Clark states that she attempted several times to collect reimbursement for the $24.95 charge but she ultimately abandoned it do to the defendants' alleged obstructionist response. However, Clark provides no evidence in the record to support her alleged efforts at a refund, the defendants' alleged obstructionist responses, or the defendants' alleged refusal to refund her money as to her alleged claim for the $24.95. See Stein v. Ashcroft, 284 F.3d 721, 726 (7th Cir. 2002) (noting that bald assertions by the non-moving party unsupported by proper evidence or testimony is not sufficient to defeat a motion for summary judgment). Clark argues that requiring her to follow through on her seeking a refund, when one was allegedly available for the defendants, would be an inappropriate burden shifting requirement. The burden has not been shifted in this case, instead Clark, as the party with the burden of proof on her claims, must demonstrate that there is evidence in the record to support her claims ...